Applications / Mortgage Analytics / Lenders / Nebraska / Farmers and Merchants Bank of Ashland
Ashland, NE · State member bank · FRS · $144 million assets · 43 loans in 2025
Farmers and Merchants Bank of Ashland's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
43
loans originated, 2025
51
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers and Merchants Bank of Ashland, a small Nebraska bank, sent nearly half its loans to poorer borrowers in 2025, more than almost all similar banks.
Low- and moderate-income (LMI) borrowers took 47.8% of its loans, against 23.7% at similar lenders, state member banks making between half and twice as many loans. That put it among the highest twentieth. In 2024 the share was 26.9%; with 43 loans, a few loans move it by several points. LMI neighborhoods took 23.3%, against 17.4%.
Purchases made up 53.5% of its loans and refinances 46.5%, all conventional. Its typical loan, $185,000, was the same as at similar lenders. Its loans rose 8%, to 43, near the middle of its peers.
In Lincoln it ranked 47 of 249 lenders with 0.3% of the market, unchanged from 2024. In Omaha it ranked 152 of 417. In 2025 it made its first loans in Des Moines-West Des Moines.
It filed no reports for 2020 to 2022. Since it began reporting again it has made 33, 40 and 43 loans a year, more than the 29 of 2019.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Farmers and Merchants Bank of Ashland took 51 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.5% · Refinance 46.5%
Conventional 100.0% · of 43 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 | 41 | 95.3% |
| Iowa | 2 | 4.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lincoln | 22 |
| Omaha | 18 |
| Des Moines-West Des Moines | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XRWSRSRH3E3804 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 398051 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113435 | 2004–2009 |
| Respondent ID (the HMDA filer code before 2018) | 2398051 | 2010–2017 |
Established 15 November 1883. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Farmers and Merchants Bank of Ashland's data.
Farmers and Merchants Bank of Ashland's data
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Farmers and Merchants Bank of Ashland 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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