Applications / Mortgage Analytics / Lenders / Nebraska / FirsTier Bank
Kimball, NE · State non-member bank · FDIC · $1.1 billion assets · 57 loans in 2025
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57
loans originated, 2025
66
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FirsTier Bank lends far more on manufactured homes and to low- and moderate-income (LMI) borrowers than most similar lenders, and its lending grew 16% in 2025.
It made 57 loans, up 16%, against 7% at similar lenders (state non-member banks making between half and twice as many loans) and 10% across the market. It filed no report for 2020 to 2022; those are gaps in the record, not years without lending. In the years it reported since 2018, its count stayed between 49 and 70.
Manufactured homes made up 15.8% of its loans, against 2.6% at peers, a higher share than at almost nine in ten. Refinances were 50.9% of its lending and purchases 35.1%, all conventional. Its typical loan was $155,000, against $170,000 at peers.
LMI borrowers took 42.5% of its loans, up from 30.3%, against 27.1% at peers, more than at more than four in five. LMI areas took 22.8%, against 18.6%. Majority-minority areas took 3.5%, against 6.6%, near the middle of peers.
Its largest market is Cheyenne, Wyoming, served since 2007, where it ranked 22 of 190 lenders; Fairway Independent Mortgage led, followed by Jonah Bank of Wyoming. In non-metro Nebraska it ranked 43 of 341, behind Pinnacle Bank.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. FirsTier Bank took 66 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.9% · Purchase 35.1% · Home improvement 7.0% · Other 7.0%
Conventional 100.0% · of 57 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 | 34 | 59.6% |
| Wyoming | 15 | 26.3% |
| Colorado | 8 | 14.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cheyenne | 13 |
| Denver-Aurora-Centennial | 7 |
| Fort Collins-Loveland | 1 |
| Grand Island | 1 |
| Lincoln | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SCAXHT20CVF122 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 536554 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317478 | 2006–2017 |
Established 15 July 1955. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: FirsTier Bank's data.
FirsTier Bank's data
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