American Heritage Lending in Nebraska vs the state
5.0%Denial rate-7.53 pts vs state
11.1%Decision denial rate-4.03 pts vs state
35.0%Origination rate-32.28 pts vs state
7.25%Median rate+0.63 pts vs state
—Rate spread (pts)
$118kMedian applicant income
7Loans originated
1Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 4 | 16.7% | 8.75% | #263 |
| 2024 | 10 | 3 | 0.0% | 8.38% | #221 |
| 2025 | 20 | 7 | 5.0% | 7.25% | #204 |
What American Heritage Lending lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 17 | 6 | 1 | 5.9% |
| Sarpy County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Hall County | 1 | 0 | 0 | 0.0% |
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: 20 applications in 2025, of which 7 were originated and 1 denied.
5.0% of all applications, or 11.1% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans American Heritage Lending originated in Nebraska in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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