Guaranteed Rate in Nebraska vs the state
4.1%Denial rate-8.47 pts vs state
5.9%Decision denial rate-9.28 pts vs state
64.7%Origination rate-2.62 pts vs state
6.50%Median rate-0.13 pts vs state
0.21Rate spread (pts)-0.01 pts vs state
$102kMedian applicant income
558Loans originated
35Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 592 | 431 | 4.1% | 6.75% | #20 |
| 2024 | 639 | 460 | 3.8% | 6.53% | #22 |
| 2025 | 863 | 558 | 4.1% | 6.50% | #18 |
What Guaranteed Rate lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 368 | 223 | 12 | 3.3% |
| Sarpy County | 189 | 138 | 2 | 1.1% |
| Madison County | 89 | 59 | 7 | 7.9% |
| Lancaster County | 37 | 21 | 1 | 2.7% |
| Cass County | 24 | 19 | 0 | 0.0% |
| Dodge County | 16 | 11 | 0 | 0.0% |
| Wayne County | 13 | 7 | 1 | 7.7% |
| Stanton County | 12 | 10 | 0 | 0.0% |
| Gage County | 12 | 6 | 3 | 25.0% |
| Antelope County | 11 | 8 | 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: 863 applications in 2025, of which 558 were originated and 35 denied.
4.1% of all applications, or 5.9% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Guaranteed Rate originated in Nebraska in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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