Applications / Mortgage Analytics / Lenders / Nebraska / Nebraska Bank of Commerce
Lincoln, NE · State non-member bank · FDIC · $226 million assets · 115 loans in 2025
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115
loans originated, 2025
136
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Nebraska Bank of Commerce lends to low- and moderate-income borrowers more than almost any bank of its size: they took 53.3% of its loans in 2025.
Similar lenders, state non-member banks making between half and twice as many loans, gave 27.9% of their loans to low- and moderate-income (LMI) borrowers. Its share was higher than at nearly all of them. LMI neighborhoods took 36.5% of its loans, about double the 18.1% at its peers. Five years before, LMI borrowers took just 5.9%.
Its loans rose 34%, from 86 to 115, against 9% at similar lenders and 10% across the whole market. It grew faster than about four in five of its peers. It made 40 loans in 2020.
Its share of the Lincoln market rose from 0.7% to 0.8%, placing it 28 of 249 lenders. The leaders there are Lincoln FSB of Nebraska, Pinnacle Bank and Union Bank and Trust Company. It has lent in Lincoln since 2009.
Home purchases were 64.3% of its loans and refinancing 27.8%. Its typical loan, $185,000, was close to its peers' $175,000. Every loan was conventional, with none backed by a government agency.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Nebraska Bank of Commerce took 136 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.3% · Refinance 27.8% · Home improvement 6.1% · Other 1.7%
Conventional 100.0% · of 115 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 | 111 | 96.5% |
| Iowa | 1 | 0.9% |
| Minnesota | 1 | 0.9% |
| Oklahoma | 1 | 0.9% |
| Wisconsin | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lincoln | 69 |
| Omaha | 32 |
| Minneapolis-St. Paul-Bloomington | 1 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900WNJM89PTUDS223 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3614846 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 418064 | 2009–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1718064 | 2011–2011 |
| Respondent ID (the HMDA filer code before 2018) | 358724 | 2012–2017 |
Established 3 December 2007. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Nebraska Bank of Commerce's data.
Nebraska Bank of Commerce's data
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Nebraska Bank of Commerce 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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