OCMBC in Nebraska vs the state
18.2%Denial rate+5.65 pts vs state
25.0%Decision denial rate+9.86 pts vs state
54.6%Origination rate-12.73 pts vs state
7.31%Median rate+0.69 pts vs state
0.91Rate spread (pts)+0.68 pts vs state
$89kMedian applicant income
12Loans originated
4Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 20.0% | 9.88% | #268 |
| 2024 | 11 | 4 | 63.6% | 7.44% | #217 |
| 2025 | 22 | 12 | 18.2% | 7.31% | #196 |
What OCMBC lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 12 | 6 | 2 | 16.7% |
| Lancaster County | 5 | 3 | 0 | 0.0% |
| Garden County | 1 | 0 | 1 | 100.0% |
| Dawson County | 1 | 1 | 0 | 0.0% |
| Sarpy County | 1 | 1 | 0 | 0.0% |
| Dawes County | 1 | 0 | 1 | 100.0% |
| Adams County | 1 | 1 | 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: 22 applications in 2025, of which 12 were originated and 4 denied.
18.2% of all applications, or 25.0% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans OCMBC originated in Nebraska in 2025 was 7.31%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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