Lenders › Pinnacle Bank › Nebraska
Pinnacle Bank in Nebraska
HMDA record for properties in Nebraska, calendar year 2024. National record · Nebraska overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Pinnacle Bank's 2024 HMDA record for Nebraska covers 2,748 applications, 2,303 of them originated, worth $647m.
Its denial rate in the state was 5.7%, below the Nebraska rate of 17.2% across all lenders and compared with the lender's national rate of 5.6%.
The median rate spread on its Nebraska originations was 0.6 percentage points (state median 0.3).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Nebraska | Nebraska, all lenders | Pinnacle Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 5.7% | 17.2% | 5.6% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 24.9% | 13.8% | 25.2% | 15.6% |
| Average originated loan | $281k | $231k | $280k | $329k |
| Home purchase share | 60.8% | 59.8% | 60.2% | 57.0% |
| FHA-insured share | 4.6% | 10.4% | 4.4% | 13.4% |
| VA-guaranteed share | 2.0% | 8.7% | 1.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNebraska, all lenders
Loan purpose and loan type in Nebraska
By purpose
Home purchase 61% (1,400)Home improvement 13% (290)Refinancing 18% (407)Cash-out refinancing 1% (18)Other purpose 8% (188)
By type
Conventional 93% (2,131)FHA 5% (107)VA 2% (47)USDA 1% (18)
Denial reasons as coded
Share of 140 denials in Nebraska by first denial reason coded (outlined bar: all lenders in the state).
Counties in Nebraska
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Lancaster County | 590 | 512 | $130m | 4.0% |
| Douglas County | 301 | 250 | $203m | 5.3% |
| Sarpy County | 211 | 171 | $60m | 6.4% |
| Buffalo County | 202 | 171 | $40m | 1.7% |
| Dodge County | 152 | 128 | $18m | 7.2% |
| Platte County | 146 | 123 | $22m | 6.1% |
| Adams County | 123 | 110 | $38m | 3.5% |
| Hall County | 88 | 69 | $14m | 11.4% |
| Hamilton County | 75 | 66 | $11m | 7.0% |
| Gage County | 71 | 58 | $6.7m | 6.5% |
| Holt County | 59 | 52 | $4.7m | 3.7% |
| Dawson County | 58 | 43 | $6.5m | 15.7% |
| Colfax County | 51 | 39 | $3.6m | 11.1% |
| Merrick County | 37 | 35 | $4.0m | 0.0% |
| Keith County | 42 | 30 | $3.8m | 21.1% |
| Cass County | 41 | 30 | $5.9m | 6.1% |
| Kearney County | 29 | 26 | $4.5m | 0.0% |
| Saline County | 29 | 26 | $4.5m | 3.7% |
| Saunders County | 30 | 25 | $5.4m | 7.4% |
| Polk County | 28 | 25 | $3.4m | 7.1% |
| Perkins County | 27 | 25 | $2.5m | 0.0% |
| Red Willow County | 27 | 25 | $3.0m | 3.8% |
| Phelps County | 26 | 20 | $3.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Pinnacle Bank originate in Nebraska in 2024?
2,303 loans totalling $647m, from 2,748 applications reported for properties in Nebraska.
What is Pinnacle Bank's denial rate in Nebraska?
5.7% of decided applications in Nebraska were denied, against 17.2% for all lenders in the state and 5.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Nebraska counties does Pinnacle Bank lend in most?
By originations: Lancaster County (512), Douglas County (250), Sarpy County (171), Buffalo County (171), Dodge County (128).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Nebraska. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.