Central Bank in Nebraska vs the state
6.0%Denial rate-6.53 pts vs state
7.1%Decision denial rate-8.00 pts vs state
78.0%Origination rate+10.72 pts vs state
6.38%Median rate-0.25 pts vs state
0.06Rate spread (pts)-0.16 pts vs state
$106kMedian applicant income
39Loans originated
3Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 63 | 44 | 12.7% | 6.25% | #111 |
| 2024 | 65 | 49 | 3.1% | 6.50% | #114 |
| 2025 | 50 | 39 | 6.0% | 6.38% | #143 |
What Central Bank lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Central Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dakota County | 34 | 24 | 3 | 8.8% |
| Douglas County | 9 | 8 | 0 | 0.0% |
| Dixon County | 4 | 4 | 0 | 0.0% |
| Sarpy County | 3 | 3 | 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: 50 applications in 2025, of which 39 were originated and 3 denied.
6.0% of all applications, or 7.1% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Central Bank originated in Nebraska in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Central Bank'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