Citizens Bank in Nebraska vs the state
17.9%Denial rate+5.40 pts vs state
21.2%Decision denial rate+6.08 pts vs state
64.8%Origination rate-2.45 pts vs state
6.88%Median rate+0.25 pts vs state
0.25Rate spread (pts)+0.02 pts vs state
$117kMedian applicant income
188Loans originated
52Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 301 | 202 | 24.6% | 6.88% | #43 |
| 2024 | 183 | 117 | 21.3% | 7.13% | #72 |
| 2025 | 290 | 188 | 17.9% | 6.88% | #58 |
What Citizens Bank lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 85 | 56 | 16 | 18.8% |
| Lancaster County | 83 | 54 | 18 | 21.7% |
| Sarpy County | 32 | 23 | 2 | 6.3% |
| Lincoln County | 8 | 5 | 2 | 25.0% |
| Merrick County | 7 | 4 | 2 | 28.6% |
| Cass County | 6 | 3 | 1 | 16.7% |
| Keith County | 5 | 3 | 1 | 20.0% |
| Platte County | 5 | 3 | 1 | 20.0% |
| Madison County | 5 | 2 | 0 | 0.0% |
| Buffalo County | 4 | 3 | 1 | 25.0% |
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: 290 applications in 2025, of which 188 were originated and 52 denied.
17.9% of all applications, or 21.2% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Citizens Bank originated in Nebraska in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Citizens 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