Applications / Mortgage Analytics / Lenders / Nebraska / RVR Bank
Fremont, NE · State non-member bank · FDIC · $557 million assets · 222 loans in 2025
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222
loans originated, 2025
281
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RVR Bank's lending rose 41% in 2025, faster than at about nine in ten similar banks, and 40.2% of its loans went to low- and moderate-income borrowers.
It made 222 loans, up from 158, against growth of 9% at similar banks (state non-member banks making between half and twice as many loans) and 10% for the whole market. The dollars it lent rose to $47.4 million from $26.6 million. It first reported in 2023, so earlier years are gaps in the record.
Purchases and refinances were each 38.3% of its loans and home improvement 15.8%, all conventional. Its typical loan, $115,000, was smaller than at more than four in five similar banks, where it was $175,000. Its home-improvement lending is a possible reason.
Those low- and moderate-income (LMI) borrowers compare with 27.9% at similar banks, a share higher than at about nine in ten of them. Its share in LMI neighborhoods, 9.5% against 17.6%, was lower; the non-metro Nebraska markets it serves are a possible reason.
Its share of Omaha rose to 0.3% from 0.2%, a rank of 57 of 417 lenders; JPMorgan Chase Bank leads. It ranks 23 of 341 in non-metro Nebraska, where Pinnacle Bank leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. RVR Bank took 281 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.3% · Refinance 38.3% · Home improvement 15.8% · Other 7.7%
Conventional 100.0% · of 222 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 | 214 | 96.4% |
| Iowa | 7 | 3.2% |
| Missouri | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 102 |
| Lincoln | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZRFLUGALHJF092 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1155 | 2023–2023 |
Established 30 July 1956. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: RVR Bank's data.
RVR Bank's data
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RVR 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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