Lower in Nebraska vs the state
16.7%Denial rate+4.14 pts vs state
22.2%Decision denial rate+7.08 pts vs state
58.3%Origination rate-8.95 pts vs state
6.63%Median rate0.00 pts vs state
0.46Rate spread (pts)+0.24 pts vs state
$76kMedian applicant income
42Loans originated
12Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 22 | 17.2% | 7.06% | #152 |
| 2024 | 58 | 37 | 22.4% | 6.87% | #116 |
| 2025 | 72 | 42 | 16.7% | 6.63% | #123 |
What Lower lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 14 | 6 | 3 | 21.4% |
| Lancaster County | 12 | 9 | 0 | 0.0% |
| Sarpy County | 7 | 3 | 2 | 28.6% |
| Platte County | 4 | 3 | 0 | 0.0% |
| Saline County | 4 | 4 | 0 | 0.0% |
| Buffalo County | 4 | 3 | 0 | 0.0% |
| Hall County | 4 | 2 | 2 | 50.0% |
| Madison County | 4 | 3 | 1 | 25.0% |
| Gage County | 2 | 0 | 1 | 50.0% |
| Stanton County | 2 | 2 | 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: 72 applications in 2025, of which 42 were originated and 12 denied.
16.7% of all applications, or 22.2% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Lower originated in Nebraska in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Lower'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