Dayspring Bank in Nebraska vs the state
5.8%Denial rate-6.75 pts vs state
6.3%Decision denial rate-8.87 pts vs state
82.4%Origination rate+15.09 pts vs state
6.75%Median rate+0.13 pts vs state
0.00Rate spread (pts)-0.22 pts vs state
$75kMedian applicant income
271Loans originated
19Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 256 | 218 | 6.6% | 6.50% | #52 |
| 2024 | 259 | 225 | 3.5% | 7.00% | #56 |
| 2025 | 329 | 271 | 5.8% | 6.75% | #54 |
What Dayspring Bank lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Dayspring Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 136 | 116 | 2 | 1.5% |
| Lincoln County | 110 | 88 | 11 | 10.0% |
| Dawson County | 29 | 24 | 3 | 10.3% |
| Sarpy County | 17 | 12 | 1 | 5.9% |
| Cass County | 6 | 5 | 0 | 0.0% |
| Frontier County | 5 | 4 | 1 | 20.0% |
| Lancaster County | 4 | 4 | 0 | 0.0% |
| Keith County | 3 | 2 | 0 | 0.0% |
| Custer County | 3 | 2 | 1 | 33.3% |
| Hooker County | 2 | 2 | 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: 329 applications in 2025, of which 271 were originated and 19 denied.
5.8% of all applications, or 6.3% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Dayspring Bank originated in Nebraska in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Dayspring 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