First State Bank Nebraska 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%
40th12.3% deniedProcesswithdrawn + incomplete share, weight 15%
67th8.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 184 | 143 | 5.4% | 6.0% | — | $37M |
| 2024 | 249 | 179 | 5.2% | 5.8% | — | $45M |
| 2025 | 283 | 205 | 11.3% | 12.3% | — | $57M |
What First State Bank Nebraska 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, 103 investment properties.
Who gets approved at First State Bank Nebraska
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 16 | 21.7% |
| $50k – $100k | 66 | 46 | 17.2% |
| $100k – $150k | 67 | 50 | 16.1% |
| $150k – $250k | 24 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 48 | 36 | 15.9% |
| 35–44 | 25 | 19 | 16.7% |
| 45–54 | 47 | 30 | 20.0% |
| 55–64 | 30 | 23 | 3.7% |
| 65–74 | 24 | 22 | 4.4% |
Where First State Bank Nebraska lends
8 states and 35 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Nebraska | 270 | 197 | 10.7% | — | #64 |
Frequently asked questions
First State Bank Nebraska denied 12.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 40th percentile of small mortgage lenders.
In 2025, 56% of its applications were for home purchases, 34% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 100% 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.