First Nebraska Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
21st19.3% deniedProcesswithdrawn + incomplete share, weight 15%
62nd9.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 102 | 75 | 15.7% | 17.6% | — | $15M |
| 2024 | 96 | 82 | 6.3% | 6.6% | — | $18M |
| 2025 | 120 | 87 | 17.5% | 19.3% | — | $24M |
What First Nebraska Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 23 investment properties.
Who gets approved at First Nebraska Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 36 | 29 | 14.7% |
| $150k – $250k | 23 | 15 | 25.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 33 | 21 | 31.3% |
| 55–64 | 21 | 16 | 15.8% |
Where First Nebraska Bank lends
6 states and 32 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Nebraska | 112 | 80 | 17.9% | — | #98 |
Frequently asked questions
First Nebraska Bank denied 19.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 21st percentile of small mortgage lenders.
In 2025, 52% of its applications were for home purchases, 42% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 98% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.