Applications / Mortgage Analytics / Lenders / Nebraska / Commercial State Bank
Wausa, NE · State non-member bank · FDIC · $246 million assets · 46 loans in 2025
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46
loans originated, 2025
47
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Commercial State Bank, based in Wausa, NE, lends almost only to home buyers, across 3 states. Its loan count has fallen each year since it began reporting again in 2023.
Purchases made up 89.1% of its lending and refinances the other 10.9%. All its loans were conventional. Its typical loan, $165,000, was the same as at similar lenders (state non-member banks making between half and twice as many loans).
It made 46 loans, down 23% from 60, while similar lenders grew 4% and the whole market 10%. It had made 75 in 2023. It filed no HMDA report for 2018 to 2022; those are gaps in the record, not years without lending.
It lent in 11 counties and 3 metros. Omaha, its largest market, is led by JPMorgan Chase Bank; there it ranked 130 of 417 and its share fell from 0.2% to 0.1%, in line with its lower volume. It ranked 101 of 341 in non-metro Nebraska and has lent in Phoenix-Mesa-Chandler, AZ since 2024.
Low- and moderate-income (LMI) neighborhoods took 17.4% of its loans and majority-minority areas 6.5%. Both were near the middle of similar lenders, at 18.5% and 5.6%, and close to its own shares in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Commercial State Bank took 47 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.1% · Refinance 10.9%
Conventional 100.0% · of 46 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 | 44 | 95.7% |
| Arizona | 1 | 2.2% |
| Iowa | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 28 |
| Lincoln | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900U65DCP595ABD45 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 479754 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313819 | 2015–2016 |
Established 1 December 1925. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Commercial State Bank's data.
Commercial State Bank's data
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