Applications / Mortgage Analytics / Lenders / Nebraska / Washington County Bank
Blair, NE · State non-member bank · FDIC · $629 million assets · 90 loans in 2025
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90
loans originated, 2025
160
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Washington County Bank of Blair, Nebraska, lends across four states, with Omaha its largest market, and its loans fell 24% in 2025 while similar banks grew.
It made 90 loans, against 119 in 2024 and 151 in 2023. Similar lenders, state non-member banks making between half and twice as many loans, grew 9% and the whole market 10%; its year was weaker than at more than nine in ten of them. Refinances made up 52.2% of its loans, so its volume may swing with borrowers' appetite to refinance.
Its loans spread over 21 counties across 4 states. In Omaha, where it has lent since at least 1990, it holds 0.2% and ranks 88th of 417, behind JPMorgan Chase Bank at the top. In non-metro Nebraska it ranks 83rd of 341. It made its first loans in Iowa City in 2025.
Its typical loan rose to $195,000 from $145,000 and is now above peers' $175,000. Borrowers with low or moderate incomes (LMI) took 13.4% of its loans, down from 26.8% and lower than at more than four in five similar banks. Larger loans tend to go to higher earners, which may explain part of the fall, and a share on 90 loans can move a lot in one year.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Washington County Bank took 160 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.2% · Purchase 42.2% · Home improvement 4.4% · Other 1.1%
Conventional 100.0% · of 90 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 | 63.3% |
| Iowa | 29 | 32.2% |
| Kansas | 2 | 2.2% |
| Missouri | 2 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 58 |
| Lawrence | 2 |
| Lincoln | 2 |
| Iowa City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XZ04HOB5HTR562 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1000052 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312241 | 1990–2017 |
| Respondent ID (the HMDA filer code before 2018) | 91000052 | 2011–2016 |
Established 1 July 1915. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Washington County Bank's data.
Washington County Bank's data
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Washington County Bank 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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