Metro CU in Nebraska vs the state
25.5%Denial rate+13.00 pts vs state
28.2%Decision denial rate+13.04 pts vs state
58.8%Origination rate-8.51 pts vs state
5.75%Median rate-0.88 pts vs state
-1.63Rate spread (pts)-1.85 pts vs state
$126kMedian applicant income
633Loans originated
275Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 830 | 551 | 16.0% | 4.75% | #14 |
| 2024 | 923 | 559 | 25.9% | 6.25% | #14 |
| 2025 | 1,077 | 633 | 25.5% | 5.75% | #14 |
What Metro CU lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Metro CU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 798 | 459 | 212 | 26.6% |
| Sarpy County | 202 | 129 | 44 | 21.8% |
| Washington County | 18 | 11 | 3 | 16.7% |
| Cass County | 17 | 10 | 3 | 17.6% |
| Saunders County | 14 | 11 | 2 | 14.3% |
| Lancaster County | 13 | 7 | 4 | 30.8% |
| Dodge County | 5 | 2 | 3 | 60.0% |
| Platte County | 2 | 1 | 0 | 0.0% |
| Otoe County | 2 | 0 | 2 | 100.0% |
| Burt County | 2 | 1 | 1 | 50.0% |
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: 1,077 applications in 2025, of which 633 were originated and 275 denied.
25.5% of all applications, or 28.2% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Metro CU originated in Nebraska in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Metro CU'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