Mostly refinancing
Refinancing made up 56.6% of its 53 loans and purchases 39.6%. Its typical loan was $85,000, down from $115,000 in 2024 and below the $95,000 at similar lenders (credit unions making between half and twice as many loans).
Applications / Mortgage Analytics / Lenders / Nebraska / Archer Cooperative Credit Union
Archer Cooperative Credit Union
Archer, NE · Credit union · NCUA · $105 million assets · 53 loans in 2025
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53
loans originated, 2025
75
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Archer Cooperative Credit Union, a Nebraska lender that mostly refinances, is gaining ground in the Grand Island market.
Growing a little faster
Its loans rose 13% from 47, while similar lenders grew 5%. It first reported in 2014. It filed no report for 2020 to 2022, so those years are a gap in the record; in 2019 it made 58 loans.
Gaining in Grand Island
In Grand Island, NE it ranked 17 of 112 lenders, with 1.6% of lending, up from 1.4%; Pinnacle Bank led. It also lends in non-metro Nebraska and in Lincoln, NE, where it ranked 153 of 249.
Few loans in poorer areas
Only 1.9% of its loans were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 17.8% at similar lenders, among the lowest tenth. A possible reason is that the 11 Nebraska counties it serves, much of them outside metros, hold few such neighborhoods. Its share of LMI borrowers, 31.2%, was near the middle of peers.
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
53 loans in 2025, against a peak of 58 in 2019.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Archer Cooperative Credit Union took 75 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
56.6% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 56.6% · Purchase 39.6% · Home improvement 1.9% · Not applicable 1.9%
Conventional 100.0% · of 53 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
1 state, 2 metros, 11 counties
| State | Loans | Share |
|---|---|---|
| Nebraska | 53 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Grand Island | 36 |
| Lincoln | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z00JCHOAK2QX89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 482099 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566270 | 2014–2017 |
Established 1 January 1984. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Archer Cooperative Credit Union's data.
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