Applications / Mortgage Analytics / Lenders / Nebraska / Heritage Bank
Wood River, NE · State non-member bank · FDIC · $594 million assets · 93 loans in 2025
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93
loans originated, 2025
112
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage Bank, a Nebraska state bank, made 93 home loans in 2025, 16% more than a year before, and more than doubled its share of the Grand Island market.
Its loans rose 16% in 2025, against 9% at the typical similar lender (state non-member banks making between half and twice as many loans) and 10% for the whole market. It filed no HMDA report for 2020 to 2022, so the record has a gap there rather than a slump. Since it began reporting again in 2023 its loans have risen each year, from 49 to 93.
Its typical loan was $135,000, against $175,000 at similar lenders, so its 93 loans came to $16.8 million where peers typically lent $26.0 million. Every loan was conventional, with none backed by a government agency. Nearly a fifth (18.3%) were for home improvement, which may help explain the smaller sizes.
Its share of the Grand Island market rose from 0.6% to 1.4%, putting it 20th of 112 lenders in a market led by Pinnacle Bank and Exchange Bank. In rural Nebraska outside the metros it ranks 50 of 341.
Some 20.4% of its loans went to low- and moderate-income (LMI) neighborhoods, a little above the 18.3% at similar lenders. Its share to LMI borrowers, 23.7%, was a little below the 27.4% at peers. On 93 loans a handful either way moves these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Heritage Bank took 112 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.7% · Refinance 26.9% · Home improvement 18.3% · Other 2.2%
Conventional 100.0% · of 93 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 | 88 | 94.6% |
| Colorado | 2 | 2.2% |
| Missouri | 1 | 1.1% |
| South Dakota | 1 | 1.1% |
| Texas | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Island | 23 |
| Lincoln | 5 |
| Omaha | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000H7FLU47PQYQ10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 666554 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317145 | 2014–2017 |
Established 1 January 1884. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Heritage Bank's data.
Heritage Bank's data
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