Gershman Investment in Nebraska vs the state
1.7%Denial rate-10.85 pts vs state
2.0%Decision denial rate-13.14 pts vs state
82.1%Origination rate+14.83 pts vs state
6.38%Median rate-0.25 pts vs state
0.16Rate spread (pts)-0.07 pts vs state
$85kMedian applicant income
537Loans originated
11Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 630 | 522 | 2.5% | 6.63% | #19 |
| 2024 | 591 | 499 | 1.7% | 6.50% | #24 |
| 2025 | 654 | 537 | 1.7% | 6.38% | #21 |
What Gershman Investment lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Gershman Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 450 | 365 | 7 | 1.6% |
| Douglas County | 55 | 52 | 0 | 0.0% |
| Sarpy County | 28 | 23 | 0 | 0.0% |
| Gage County | 23 | 20 | 1 | 4.3% |
| Saunders County | 14 | 12 | 0 | 0.0% |
| Saline County | 13 | 9 | 0 | 0.0% |
| Otoe County | 12 | 10 | 1 | 8.3% |
| Cass County | 9 | 8 | 0 | 0.0% |
| Seward County | 9 | 5 | 2 | 22.2% |
| Jefferson 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: 654 applications in 2025, of which 537 were originated and 11 denied.
1.7% of all applications, or 2.0% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Gershman Investment originated in Nebraska in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Gershman Investment'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