Applications / Mortgage Analytics / Lenders / Nebraska / F&M Bank
West Point, NE · State non-member bank · FDIC · $377 million assets · 47 loans in 2025
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47
loans originated, 2025
51
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
F&M Bank, a Nebraska community bank, raised its lending by 62% in 2025, faster than about nine in ten similar banks, and lends unusually often in majority-minority neighborhoods.
Its loans rose 62%, to 47 from 29, while similar lenders, banks of the same type making between half and twice as many loans, grew 3%. It filed no report for 2020 to 2022, and it made 74 loans in 2019. So 2024 looks like a low year rather than a starting point.
25.7% of its loans were in majority-minority neighborhoods, against 5.6% at similar lenders, higher than about four in five of them. Its share in low- and moderate-income (LMI) neighborhoods, 22.9%, was a little above their 18.3%. With 47 loans, a handful can move these shares.
Its lending split almost evenly between refinances and purchases, all conventional. Its total of $8.1 million was below similar lenders' $14.3 million: it made fewer loans than the typical similar bank, and slightly smaller ones.
In Sioux City, where it has lent since at least 1990, its share rose by 0.2 points to 0.4%, ranking 41 of 167 lenders. In Omaha and Lincoln its share rounds to 0.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. F&M Bank took 51 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.9% · Purchase 46.8% · Home improvement 2.1% · Other 2.1%
Conventional 100.0% · of 47 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 | 19 | 40.4% |
| Iowa | 15 | 31.9% |
| South Dakota | 1 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux City | 19 |
| Omaha | 12 |
| Lincoln | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300THLH8NJUNMGF13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 542153 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314922 | 2010–2017 |
Established 1 January 1931. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: F&M Bank's data.
F&M Bank's data
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F&M 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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