Applications / Mortgage Analytics / Lenders / Nebraska / Premier Bank
Omaha, NE · National bank · OCC · $337 million assets · 94 loans in 2025
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94
loans originated, 2025
113
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Premier Bank is a small Omaha lender that mostly finances home purchases with larger loans than its peers, and it has rebuilt its volume since a slump in 2022.
The bank made 24 loans in 2022, down from 109 in 2020. It has since climbed back to 94, a little above the 85 of a typical similar lender (national banks making between half and twice as many loans). Its growth of 2% last year was slower than the 6% of its peers and the 10% of the whole market.
Its typical loan was $295,000, against $175,000 at similar lenders, larger than at about four in five of them. Purchases made up 69.1% of its loans, and every loan was conventional, with no government backing. A book weighted to purchases, which tend to be larger than refinances or home-improvement loans, may account for part of the difference.
Low- and moderate-income (LMI) borrowers took 27.0% of its loans, up from 13.9% in 2024 and above the 22.5% of similar lenders. Its share in LMI neighborhoods was lower, 10.6% against 16.2%, below about seven in ten peers. A footprint of 13 counties, centered on Nebraska, may simply contain fewer such neighborhoods.
In Omaha its share of the market fell from 0.6% to 0.4%, placing it 52 of 417 lenders in a market led by JPMorgan Chase Bank. The whole market grew faster than the bank last year, which may account for the slip.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Premier Bank took 113 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.1% · Refinance 29.8% · Home improvement 1.1%
Conventional 100.0% · of 94 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 | 84 | 89.4% |
| Missouri | 3 | 3.2% |
| Colorado | 1 | 1.1% |
| Georgia | 1 | 1.1% |
| Kansas | 1 | 1.1% |
| Oregon | 1 | 1.1% |
| Pennsylvania | 1 | 1.1% |
| Texas | 1 | 1.1% |
| Wisconsin | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 81 |
| Lincoln | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Harrisburg-Carlisle | 1 |
| Marietta | 1 |
| Portland-Vancouver-Hillsboro | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930035WLX14VQW9V81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 860259 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312493 | 2012–2017 |
Established 1 August 1914. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Premier Bank's data.
Premier Bank's data
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