Home Federal Savings and Loan Association of Grand Island in Nebraska vs the state
8.9%Denial rate-3.65 pts vs state
9.8%Decision denial rate-5.31 pts vs state
79.9%Origination rate+12.64 pts vs state
6.88%Median rate+0.25 pts vs state
0.28Rate spread (pts)+0.06 pts vs state
$88kMedian applicant income
207Loans originated
23Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 161 | 5.6% | 7.25% | #68 |
| 2024 | 219 | 168 | 11.9% | 7.38% | #63 |
| 2025 | 259 | 207 | 8.9% | 6.88% | #67 |
What Home Federal Savings and Loan Association of Grand Island lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Home Federal Savings and Loan Association of Grand Island applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hall County | 99 | 81 | 6 | 6.1% |
| Dawson County | 44 | 32 | 11 | 25.0% |
| Lancaster County | 43 | 33 | 2 | 4.7% |
| Adams County | 16 | 13 | 1 | 6.3% |
| Howard County | 6 | 6 | 0 | 0.0% |
| Phelps County | 6 | 3 | 1 | 16.7% |
| Nuckolls County | 5 | 5 | 0 | 0.0% |
| Douglas County | 5 | 5 | 0 | 0.0% |
| Custer County | 3 | 2 | 0 | 0.0% |
| Cass County | 3 | 2 | 1 | 33.3% |
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: 259 applications in 2025, of which 207 were originated and 23 denied.
8.9% of all applications, or 9.8% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Home Federal Savings and Loan Association of Grand Island originated in Nebraska in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Home Federal Savings and Loan Association of Grand Island'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