21st Mortgage in Nebraska vs the state
49.9%Denial rate+37.38 pts vs state
67.1%Decision denial rate+51.95 pts vs state
23.3%Origination rate-43.94 pts vs state
10.22%Median rate+3.60 pts vs state
5.07Rate spread (pts)+4.85 pts vs state
$64kMedian applicant income
123Loans originated
263Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 453 | 95 | 52.5% | 10.39% | #30 |
| 2024 | 473 | 106 | 49.9% | 10.80% | #32 |
| 2025 | 527 | 123 | 49.9% | 10.22% | #31 |
What 21st Mortgage lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 144 | 43 | 60 | 41.7% |
| Douglas County | 109 | 17 | 60 | 55.0% |
| Dakota County | 65 | 24 | 29 | 44.6% |
| Sarpy County | 34 | 10 | 19 | 55.9% |
| Scotts Bluff County | 26 | 8 | 15 | 57.7% |
| Buffalo County | 24 | 0 | 14 | 58.3% |
| Adams County | 16 | 4 | 6 | 37.5% |
| Cass County | 16 | 2 | 12 | 75.0% |
| Washington County | 11 | 3 | 5 | 45.5% |
| Lincoln County | 11 | 0 | 11 | 100.0% |
Other large lenders in Nebraska
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,384 | 17.6% | 6.75% |
| Pinnacle Bank | B | 3,371 | 4.3% | 6.95% |
| First National Bank of Omaha | C | 2,902 | 19.6% | 7.00% |
| Charter West Bank | C | 2,258 | 6.6% | 6.50% |
| U.S. Bank | D | 2,163 | 32.9% | 6.99% |
| Veridian Credit Union | B | 2,051 | 9.8% | 6.49% |
| West Gate Bank | A | 2,040 | 5.0% | 6.50% |
| Centris | B | 2,002 | 16.3% | 6.25% |
| Union Bank and Trust | B | 1,835 | 10.0% | 6.50% |
| Mortgage Research Center | C | 1,651 | 12.5% | 6.25% |
Frequently asked questions
Nebraska: 527 applications in 2025, of which 123 were originated and 263 denied.
49.9% of all applications, or 67.1% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans 21st Mortgage originated in Nebraska in 2025 was 10.22%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Nebraska, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology