Applications / Mortgage Analytics / Lenders / Nebraska / Cattle Bank and Trust
Seward, NE · State non-member bank · FDIC · $426 million assets · 125 loans in 2025
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125
loans originated, 2025
133
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cattle Bank and Trust, a small Nebraska bank lending in two counties, made 51% more loans in 2025 after two years of decline.
Its loans rose to 125 from 83, while the typical similar lender (a state non-member bank making between half and twice as many loans) grew 9% and the whole market 10%. That was faster than at about nine in ten of the 567 similar lenders. The bank is still below the 196 loans it made in 2022.
Low- and moderate-income (LMI) neighborhoods took 44.7% of its loans, against 17.6% at similar lenders, more than at about nineteen in twenty of them. LMI borrowers took 28.6%, close to its peers' 27.9%.
Only 1.2% of its loans were in majority-minority neighborhoods, against 6.1% at similar lenders. Its footprint, one metro and two counties in Nebraska, may hold few such neighborhoods.
In Lincoln, NE, its only market shown, it ranks 21 of 249 lenders, and its share rose 0.3 points to 1.2%. Lincoln FSB of Nebraska and Pinnacle Bank lead that market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cattle Bank and Trust took 133 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.0% · Refinance 33.6% · Other 9.6% · Home improvement 0.8%
Conventional 100.0% · of 125 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nebraska | 105 | 84.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lincoln | 105 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XA8J7Y4KR7AI02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 529659 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113431 | 2004–2017 |
Established 1 June 1873. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Cattle Bank and Trust's data.
Cattle Bank and Trust's data
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Cattle Bank and Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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