Discover Bank in Nebraska vs the state
45.7%Denial rate+33.21 pts vs state
70.8%Decision denial rate+55.66 pts vs state
18.6%Origination rate-48.68 pts vs state
8.77%Median rate+2.14 pts vs state
2.22Rate spread (pts)+1.99 pts vs state
$94kMedian applicant income
72Loans originated
177Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,153 | 201 | 42.9% | 9.49% | #10 |
| 2024 | 1,251 | 251 | 48.5% | 8.98% | #11 |
| 2025 | 387 | 72 | 45.7% | 8.77% | #45 |
What Discover Bank lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 119 | 28 | 51 | 42.9% |
| Lancaster County | 72 | 15 | 25 | 34.7% |
| Sarpy County | 56 | 10 | 31 | 55.4% |
| Buffalo County | 13 | 0 | 10 | 76.9% |
| Platte County | 9 | 1 | 1 | 11.1% |
| Cass County | 8 | 2 | 3 | 37.5% |
| Madison County | 7 | 0 | 5 | 71.4% |
| Dodge County | 7 | 1 | 4 | 57.1% |
| Hall County | 6 | 0 | 2 | 33.3% |
| Adams County | 6 | 0 | 4 | 66.7% |
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: 387 applications in 2025, of which 72 were originated and 177 denied.
45.7% of all applications, or 70.8% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Discover Bank originated in Nebraska in 2025 was 8.77%, against a statewide median of 6.63%.
About this data. Figures are Discover 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