Exchange Bank in Nebraska vs the state
3.2%Denial rate-9.31 pts vs state
3.4%Decision denial rate-11.71 pts vs state
90.1%Origination rate+22.80 pts vs state
7.50%Median rate+0.88 pts vs state
1.56Rate spread (pts)+1.34 pts vs state
$96kMedian applicant income
336Loans originated
12Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 290 | 264 | 4.1% | 7.75% | #47 |
| 2024 | 309 | 281 | 2.3% | 8.21% | #53 |
| 2025 | 373 | 336 | 3.2% | 7.50% | #47 |
What Exchange Bank lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Exchange Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hall County | 120 | 114 | 1 | 0.8% |
| Douglas County | 60 | 52 | 2 | 3.3% |
| Lancaster County | 49 | 47 | 1 | 2.0% |
| Merrick County | 7 | 6 | 0 | 0.0% |
| Sarpy County | 6 | 3 | 0 | 0.0% |
| Cass County | 3 | 2 | 1 | 33.3% |
| Howard 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: 373 applications in 2025, of which 336 were originated and 12 denied.
3.2% of all applications, or 3.4% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Exchange Bank originated in Nebraska in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Exchange 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