Commerce Home Mortgage in Nebraska vs the state
10.5%Denial rate-2.00 pts vs state
14.3%Decision denial rate-0.85 pts vs state
63.2%Origination rate-4.12 pts vs state
7.25%Median rate+0.63 pts vs state
0.75Rate spread (pts)+0.53 pts vs state
$132kMedian applicant income
12Loans originated
2Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 8 | 0.0% | 8.31% | #221 |
| 2024 | 11 | 4 | 9.1% | 9.00% | #216 |
| 2025 | 19 | 12 | 10.5% | 7.25% | #212 |
What Commerce Home Mortgage lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 11 | 7 | 1 | 9.1% |
| Lancaster County | 3 | 3 | 0 | 0.0% |
| Washington County | 1 | 0 | 1 | 100.0% |
| Scotts Bluff County | 1 | 0 | 0 | 0.0% |
| Dodge County | 1 | 1 | 0 | 0.0% |
| Platte County | 1 | 0 | 0 | 0.0% |
| Sarpy County | 1 | 1 | 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: 19 applications in 2025, of which 12 were originated and 2 denied.
10.5% of all applications, or 14.3% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Commerce Home Mortgage originated in Nebraska in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Commerce Home 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