Applications / Mortgage Analytics / Lenders / Nebraska / Five Points Bank
Grand Island, NE · State member bank · FRS · $2.1 billion assets · 315 loans in 2025
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315
loans originated, 2025
362
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Five Points Bank ranks 8 of 112 lenders in Grand Island and gained share in Lincoln in 2025, as its loans grew larger.
In Lincoln it ranked 20 of 249, with its share up to 1.3% from 0.8%. In Grand Island its share fell to 4.4% from 5.8%; Pinnacle Bank led. Shares are counted in dollars, so a few loans move them in a market that small, and part of its lending may have shifted toward Lincoln.
It made 315 loans, up 2%, while similar lenders (state member banks making between half and twice as many loans) grew 7%. Its dollar lending rose to $88.1 million from $69.0 million as its typical loan rose to $195,000 from $155,000.
Low- and moderate-income (LMI) borrowers took 33.5% of its loans, against 27.7% at peers, a higher share than at about seven in ten similar lenders. In 2024 the figure was 25.2%.
It lent in 13 states and 39 counties, and in 2025 it entered non-metro Idaho, Rapid City and Sierra Vista-Douglas. Purchases made up 61.9% of its loans, all conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Five Points Bank took 362 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.9% · Refinance 24.1% · Other 7.9% · Home improvement 6.0%
Conventional 100.0% · of 315 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 | 299 | 94.9% |
| Arizona | 3 | 1.0% |
| California | 2 | 0.6% |
| Idaho | 2 | 0.6% |
| Colorado | 1 | 0.3% |
| Florida | 1 | 0.3% |
| Iowa | 1 | 0.3% |
| Kansas | 1 | 0.3% |
| Missouri | 1 | 0.3% |
| Nevada | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Island | 96 |
| Omaha | 76 |
| Lincoln | 64 |
| Kansas City | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Riverside-San Bernardino-Ontario | 2 |
| Las Vegas-Henderson-North Las Vegas | 1 |
| Milwaukee-Waukesha | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009DQQ81725XIJ49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 554857 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2554857 | 2011–2017 |
Established 10 September 1971. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Five Points Bank's data.
Five Points Bank's data
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