One market
Every loan it reported was in Cheyenne, WY, where it ranked 65 of 190 lenders; Fairway Independent Mortgage led. Its share there fell to 0.2% from 0.4%. With 27 loans, a few loans either way move that figure.
Applications / Mortgage Analytics / Lenders / Nebraska / Banner Capital Bank
Banner Capital Bank
Harrisburg, NE · State non-member bank · FDIC · $369 million assets · 27 loans in 2025
Banner Capital Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
27
loans originated, 2025
34
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Banner Capital Bank, a state bank with its head office in Harrisburg, Nebraska, does all its reported home lending in one Wyoming county, around Cheyenne, where it made 27 loans in 2025.
New to the record
Its first report was for 2023; it filed none for 2018 to 2022, which are gaps in the record, not years without lending. It made 29 loans in each of 2023 and 2024, and 27 in 2025. Similar lenders (state non-member banks making between half and twice as many loans) made a typical 38. Its loans fell 7% in 2025, against a typical 4% fall at those lenders, while the whole market grew 10%.
Small, conventional loans
Its typical loan was $145,000, against $172,500 at similar lenders, and every loan was conventional. Purchases made up 70.4%. Some 18.5% were on manufactured homes, against 2.1% at peers, but at 27 loans that is a handful of deals and too few to read much into.
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, 2023–2025
27 loans in 2025, against a peak of 29 in 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Banner Capital Bank took 34 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
70.4% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 70.4% · Home improvement 14.8% · Refinance 14.8%
Conventional 100.0% · of 27 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
1 state, 1 metro, 1 county
| State | Loans | Share |
|---|---|---|
| Wyoming | 9 | 33.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Cheyenne | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900A5K6I0R2E5GL87 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 275255 | 2023–2023 |
Established 10 October 1964. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Banner Capital Bank's data.
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Banner Capital Bank's data
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