Applications / Mortgage Analytics / Lenders / Nebraska / I3 Bank
Bennington, NE · State member bank · FRS · $218 million assets · 59 loans in 2025
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59
loans originated, 2025
64
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
I3 Bank, a Nebraska lender renamed from Bank of Bennington in 2021, grew its lending by 31% in 2025, much faster than similar banks.
It made 59 loans, up from 45, while similar lenders (state member banks making between half and twice as many loans) grew 7%. That is faster than about three-quarters of them. Its lending is still far below the 263 loans of 2020; since 2023 it has made between 44 and 59 a year.
Refinances made up 50.8% of its loans and purchases 49.2%. Its typical loan, $225,000, was larger than similar lenders' $175,000. Every loan was conventional, with no government backing.
Low- and moderate-income (LMI) borrowers took 29.4% of its loans and LMI neighborhoods 24.1%, both above similar lenders' 24.7% and 17.6%. Five years earlier those shares were 6.0% and 5.3%. With 59 loans, a handful of loans can move these shares.
Lincoln is its largest market, where it has lent since 2011. Its share there rose to 0.5% from 0.4%, ranking it 36 of 249 lenders, in a market led by Lincoln FSB of Nebraska and Pinnacle Bank. It has lent in Omaha since at least 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. I3 Bank took 64 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.8% · Purchase 49.2%
Conventional 100.0% · of 59 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 | 57 | 96.6% |
| Iowa | 2 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 29 |
| Lincoln | 23 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549004G86NS7ZIP2L97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 348159 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38595 | 1990–1996 |
| Respondent ID (the HMDA filer code before 2018) | 2348159 | 1999–2017 |
Established 28 January 1928. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: I3 Bank's data.
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