Empeople Credit Union in Nebraska vs the state
27.1%Denial rate+14.59 pts vs state
36.4%Decision denial rate+21.22 pts vs state
45.8%Origination rate-21.52 pts vs state
6.49%Median rate-0.13 pts vs state
-0.14Rate spread (pts)-0.36 pts vs state
$100kMedian applicant income
27Loans originated
16Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 35 | 21.9% | 6.88% | #109 |
| 2024 | 52 | 38 | 11.5% | 6.99% | #123 |
| 2025 | 59 | 27 | 27.1% | 6.49% | #135 |
What Empeople Credit Union lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 10 | 7 | 3 | 30.0% |
| Phelps County | 5 | 1 | 4 | 80.0% |
| Sheridan County | 3 | 0 | 0 | 0.0% |
| Scotts Bluff County | 3 | 1 | 2 | 66.7% |
| Saunders County | 3 | 2 | 1 | 33.3% |
| Lincoln County | 3 | 2 | 0 | 0.0% |
| Lancaster County | 3 | 2 | 0 | 0.0% |
| Dawson County | 2 | 1 | 1 | 50.0% |
| Buffalo County | 2 | 1 | 0 | 0.0% |
| Adams 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: 59 applications in 2025, of which 27 were originated and 16 denied.
27.1% of all applications, or 36.4% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Empeople Credit Union originated in Nebraska in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Empeople Credit Union'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