Applications / Mortgage Analytics / Lenders / Nebraska / MNB Bank
McCook, NE · State member bank · FRS · $595 million assets · 135 loans in 2025
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135
loans originated, 2025
149
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MNB Bank, first reported in 2023, is a Nebraska lender of small loans, and one of the few similar banks to make loans backed by the Department of Agriculture.
Its typical loan, $85,000, was smaller than at nearly all similar lenders, state member banks making between half and twice as many loans, where it was $175,000. Refinances made up 43.7% of its 135 loans and purchases 30.4%. RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) were 5.2%; at the typical peer they were 0.0%.
It ranks 34 of 341 lenders in non-metro Nebraska, where Pinnacle Bank and West Gate Bank lead. In Grand Island its share slipped to 0.4% from 0.6%; for a lender of its size, a handful of loans can move a share that much.
It made 135 loans, up 5% from 129, a little below the 8% at similar lenders. Its dollar volume fell to $16.9 million from $20.4 million. The years 2018 to 2022 are gaps in the record, not years without lending. Its 2022 merger with Bank of Doniphan counts in its market figures.
Borrowers with low and moderate incomes (LMI) took 33.3% of its loans, against 27.2% at similar lenders. That was down from 41.0% the year before; on 135 loans, a change of that size can come from a small number of loans.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. MNB Bank took 149 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 43.7% · Purchase 30.4% · Home improvement 14.8% · Other 11.1%
Conventional 94.8% · USDA (RHS or FSA) 5.2% · of 135 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 | 122 | 90.4% |
| Colorado | 8 | 5.9% |
| Kansas | 4 | 3.0% |
| Arizona | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Island | 11 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549003Q4MH7EVI34Z09 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 575759 | 2023–2023 |
Established 1 October 1907. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: MNB Bank's data.
MNB Bank's data
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