First State Bank Nebraska in Nebraska vs the state
10.7%Denial rate-1.79 pts vs state
11.7%Decision denial rate-3.45 pts vs state
73.0%Origination rate+5.68 pts vs state
—Median rate
—Rate spread (pts)
$104kMedian applicant income
197Loans originated
29Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 170 | 130 | 5.9% | — | #73 |
| 2024 | 242 | 176 | 5.4% | — | #60 |
| 2025 | 270 | 197 | 10.7% | — | #64 |
What First State Bank Nebraska lends in Nebraska
By loan purpose
By loan type
Where in Nebraska
Counties with the most First State Bank Nebraska applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 103 | 72 | 8 | 7.8% |
| Gage County | 63 | 42 | 10 | 15.9% |
| Saline County | 24 | 20 | 2 | 8.3% |
| Cass County | 18 | 16 | 0 | 0.0% |
| Saunders County | 13 | 10 | 0 | 0.0% |
| Jefferson County | 9 | 7 | 2 | 22.2% |
| York County | 5 | 5 | 0 | 0.0% |
| Douglas County | 5 | 3 | 2 | 40.0% |
| Nemaha County | 5 | 3 | 0 | 0.0% |
| Otoe County | 4 | 4 | 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: 270 applications in 2025, of which 197 were originated and 29 denied.
10.7% of all applications, or 11.7% 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 First State Bank Nebraska'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