First-Citizens Bank & Trust in Nebraska vs the state
23.1%Denial rate+10.55 pts vs state
27.3%Decision denial rate+12.13 pts vs state
57.7%Origination rate-9.59 pts vs state
6.63%Median rate0.00 pts vs state
-0.13Rate spread (pts)-0.36 pts vs state
$137kMedian applicant income
15Loans originated
6Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 13 | 15.0% | 5.99% | #179 |
| 2024 | 39 | 27 | 20.5% | 5.99% | #142 |
| 2025 | 26 | 15 | 23.1% | 6.63% | #187 |
What First-Citizens Bank & Trust lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 12 | 7 | 1 | 8.3% |
| Lancaster County | 8 | 4 | 3 | 37.5% |
| Sarpy County | 2 | 1 | 1 | 50.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Platte County | 1 | 0 | 1 | 100.0% |
| Knox 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: 26 applications in 2025, of which 15 were originated and 6 denied.
23.1% of all applications, or 27.3% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans First-Citizens Bank & Trust originated in Nebraska in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens Bank & Trust'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