Applications / Mortgage Analytics / Lenders / Nebraska / City Bank & Trust Company
Lincoln, NE · State non-member bank · FDIC · $334 million assets · 195 loans in 2025
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195
loans originated, 2025
248
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
City Bank & Trust Company leans on government-backed mortgages far more than similar banks, and it lends to more borrowers of modest means than nine in ten of them.
Loans insured by the Federal Housing Administration (FHA) made up 8.2% of its lending. Loans guaranteed by the Department of Veterans Affairs (VA) took 4.1%, and those guaranteed by the Department of Agriculture's Rural Housing Service (RHS) 3.6%. The typical similar lender (a state non-member bank making between half and twice as many loans) made none of any. Home purchases were 72.8% of its loans.
Borrowers with low or moderate incomes (LMI) took 43.0% of its loans, against 27.9% at similar lenders. LMI neighborhoods took only 9.7%, against 17.6%. Its government-backed purchase lending may account for some of the borrower figure. The neighborhood figure may reflect where poorer tracts lie in its markets.
It made 195 loans, up 13%, against 9% at similar lenders. It turned down 2.5% of home-purchase applications, against 5.7%. It filed no report for 2020 to 2022, a gap in the record rather than years without lending.
In Lincoln, its largest market, it ranked 14 of 249 lenders with 1.5%. Its share slipped by 0.1 points, a change a handful of loans could make. In 2025 it first lent in non-metro Minnesota, Wichita and non-metro Kansas.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. City Bank & Trust Company took 248 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.8% · Refinance 23.6% · Home improvement 2.6% · Other 1.0%
Conventional 84.1% · FHA 8.2% · VA 4.1% · USDA (RHS or FSA) 3.6% · of 195 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 | 180 | 92.3% |
| Arizona | 2 | 1.0% |
| Kansas | 2 | 1.0% |
| Minnesota | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lincoln | 137 |
| Omaha | 6 |
| Grand Island | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OUJRW41FX1L002 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 79855 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35396 | 1998–2017 |
Established 18 April 1910. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: City Bank & Trust Company's data.
City Bank & Trust Company's data
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