Farmers and Merchants Bank of Ashland in Nebraska vs the state
6.1%Denial rate-6.41 pts vs state
6.5%Decision denial rate-8.62 pts vs state
83.7%Origination rate+16.39 pts vs state
—Median rate
—Rate spread (pts)
$104kMedian applicant income
41Loans originated
3Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 30 | 2.5% | — | #133 |
| 2024 | 50 | 38 | 4.0% | — | #126 |
| 2025 | 49 | 41 | 6.1% | — | #145 |
What Farmers and Merchants Bank of Ashland lends in Nebraska
By loan purpose
By loan type
Where in Nebraska
Counties with the most Farmers and Merchants Bank of Ashland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 25 | 22 | 0 | 0.0% |
| Saunders County | 13 | 9 | 3 | 23.1% |
| Douglas County | 5 | 5 | 0 | 0.0% |
| Cass County | 3 | 2 | 0 | 0.0% |
| Sarpy County | 2 | 2 | 0 | 0.0% |
| Gage 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: 49 applications in 2025, of which 41 were originated and 3 denied.
6.1% of all applications, or 6.5% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Farmers and Merchants Bank of Ashland'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