Applications / Mortgage Analytics / Lenders / Nebraska / Frontier Bank
Omaha, NE · State non-member bank · FDIC · $1.4 billion assets · 398 loans in 2025
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398
loans originated, 2025
447
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Frontier Bank, a Nebraska bank, grew faster than most similar banks in 2025, but its 398 loans were still well under half the 1,005 it made in 2020.
Its loans rose 13%, while similar lenders (banks of the same type making between half and twice as many loans) grew 8% and the whole market 10%. That was faster than about two-thirds of its peers. The boom years were far bigger: it made 1,005 loans in 2020, then fell to 339 in 2023 before recovering.
In Lincoln it ranks 16 of 249 lenders, with 1.5%, a touch lower than a year before; Lincoln FSB of Nebraska leads. In Omaha its share held at 0.8%, ranking it 32 of 417. It ranks 19 of 341 in non-metro Nebraska, and in 2025 it made its first loans in Knoxville and Bismarck.
Low- and moderate-income (LMI) neighborhoods took 21.9% of its loans, against 15.9% at similar lenders, a higher share than about three in four of them. Five years before, the figure was 10.8%. Its share to LMI borrowers rose to 25.8% from 17.8%, near the middle of its peers.
Its typical loan, $185,000, was close to peers' $175,000. Purchases made up 54.8% of its loans. On first-lien home-purchase applications it turned down 2.7%, lower than the 4.6% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Frontier Bank took 447 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.8% · Refinance 38.7% · Other 4.3% · Home improvement 2.3%
Conventional 97.2% · USDA (RHS or FSA) 2.3% · VA 0.5% · of 398 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 | 359 | 90.2% |
| Iowa | 14 | 3.5% |
| Missouri | 13 | 3.3% |
| Kansas | 3 | 0.8% |
| Arizona | 1 | 0.3% |
| Colorado | 1 | 0.3% |
| Illinois | 1 | 0.3% |
| Minnesota | 1 | 0.3% |
| North Dakota | 1 | 0.3% |
| Oregon | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 154 |
| Lincoln | 61 |
| St. Joseph | 4 |
| Springfield | 4 |
| Kansas City | 3 |
| Bend | 1 |
| Bismarck | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Columbia | 1 |
| Des Moines-West Des Moines | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900HEPQK96AEXHS12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 33857 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315545 | 2010–2017 |
Established 6 October 1937. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Frontier Bank's data.
Frontier Bank's data
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Frontier Bank 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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