Applications / Mortgage Analytics / Lenders / Nebraska / Dayspring Bank
Gothenburg, NE · State non-member bank · FDIC · $1.2 billion assets · 305 loans in 2025
Dayspring Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
305
loans originated, 2025
366
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dayspring Bank, a home-purchase lender based in Nebraska, lends more to low- and moderate-income borrowers than almost any similar bank, and its loans rose 17% in 2025.
Its originations rose 17%, to 305, against 8% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. The amount it lent rose faster, to $83.8 million from $51.6 million.
Low- and moderate-income (LMI) borrowers took 52.5% of its loans, against 27.9% at similar lenders, a higher share than at nearly all of them. Five years before, the figure was 33.5%. Poorer neighborhoods (LMI tracts) took 29.5%, higher than at almost nine in ten peers.
Purchases made up 73.4% of its lending. It also made loans insured by the Federal Housing Administration (FHA), 6.6% of the total, and guaranteed by the Department of Veterans Affairs (VA), 3.3%, where the typical peer made none. Its typical loan, $165,000, and its typical rate, 6.75%, were close to its peers'.
It ranks 15 of 341 lenders in non-metro Nebraska and 48 of 417 in Omaha, where JPMorgan Chase Bank leads. In 2025 it made its first loans in Panama City, Huntsville and McAllen, each with a tiny share. It now lends in 13 states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dayspring Bank took 366 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.4% · Refinance 21.6% · Home improvement 3.9% · Other 1.0%
Conventional 88.5% · FHA 6.6% · VA 3.3% · USDA (RHS or FSA) 1.6% · of 305 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 | 271 | 88.9% |
| Iowa | 17 | 5.6% |
| Arizona | 4 | 1.3% |
| Florida | 3 | 1.0% |
| Missouri | 2 | 0.7% |
| Alabama | 1 | 0.3% |
| California | 1 | 0.3% |
| Colorado | 1 | 0.3% |
| Kansas | 1 | 0.3% |
| Mississippi | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 149 |
| Lincoln | 4 |
| Phoenix-Mesa-Chandler | 4 |
| Kansas City | 2 |
| Des Moines-West Des Moines | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Huntsville | 1 |
| McAllen-Edinburg-Mission | 1 |
| Memphis | 1 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OYN1WD4APNOU82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 151957 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313622 | 2002–2017 |
Established 1 January 1906. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Dayspring Bank's data.
Dayspring Bank's data
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