Recovering from a low
It made 205 loans, up 15% from 179, while similar lenders (state member banks making between half and twice as many loans) grew 7%. It made 143 loans in 2023 and 321 in 2020.
Applications / Mortgage Analytics / Lenders / Nebraska / First State Bank Nebraska
First State Bank Nebraska
Lincoln, NE · State member bank · FRS · $1.1 billion assets · 205 loans in 2025
First State Bank Nebraska's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
205
loans originated, 2025
283
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank Nebraska, a Lincoln bank that makes only conventional loans, mostly for home purchase, ranks 15th in its home market and grew faster in 2025 than most similar banks.
Plain conventional lending
Purchases were 59.5% of its loans and refinances 30.2%. Every loan was conventional and none was for a manufactured home. Its typical loan, $175,000, was near the $185,000 at similar lenders.
A fixture in Lincoln
It has lent in Lincoln since at least 1990 and ranks 15 of 249 lenders there, with a steady 1.5% share. Lincoln FSB of Nebraska and Pinnacle Bank lead the market. In non-metro Nebraska it ranks 29 of 341.
Few loans in poorer neighborhoods
Its share in low- and moderate-income (LMI) neighborhoods fell to 8.3% from 16.3%, below the 16.2% at similar lenders, and it made no loans in majority-minority areas, against their 4.9%. Its lending in non-metro Nebraska and the parts of Lincoln it serves may be reasons. Its share to LMI borrowers, 27.1%, was near the middle.
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
205 loans in 2025, against a peak of 323 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First State Bank Nebraska took 283 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
59.5% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 59.5% · Refinance 30.2% · Home improvement 5.9% · Other 4.4%
Conventional 100.0% · of 205 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
6 states, 5 metros, 26 counties
| State | Loans | Share |
|---|---|---|
| Nebraska | 197 | 96.1% |
| Missouri | 3 | 1.5% |
| Arizona | 2 | 1.0% |
| Alabama | 1 | 0.5% |
| Kansas | 1 | 0.5% |
| Texas | 1 | 0.5% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lincoln | 75 |
| Omaha | 29 |
| Grand Island | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Mobile | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F5TN705NCHGW39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 499453 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313868 | 1990–2003 |
| Respondent ID (the HMDA filer code before 2018) | 2499453 | 2004–2017 |
Established 12 December 1912. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First State Bank Nebraska's data.
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