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Pinnacle Bank · Nebraska · 2025

Pinnacle Bank in Nebraska: approval rate, denial rate and rates (2025)

Pinnacle Bank took 3,371 mortgage applications in Nebraska in 2025, ranking #2 of 565 lenders active in the state. It originated 85.3% of them and denied 4.3% (4.7% of the applications it decided), against a statewide denial rate of 12.5%.

3.4kApplicationsin NE
4.7%Decision denial ratestate 15.1%
6.95%Median ratestate 6.63%
$165,000Median loanstate $185,000
$819MVolume73 counties
Full Pinnacle Bank review All lenders in Nebraska

Pinnacle Bank in Nebraska vs the state

4.3%Denial rate-8.26 pts vs state
4.7%Decision denial rate-10.42 pts vs state
85.3%Origination rate+18.01 pts vs state
6.95%Median rate+0.33 pts vs state
0.44Rate spread (pts)+0.21 pts vs state
$110kMedian applicant income
2,875Loans originated
144Denied

Trend in Nebraska

YearApplicationsOriginatedDenial rateMedian rateRank in state
20232,6162,2095.5%7.60%#2
20242,7482,3035.1%7.50%#2
20253,3712,8754.3%6.95%#2

What Pinnacle Bank lends in Nebraska

By loan purpose

Home purchase 1,948 58% · 2.3% denied
Refinance 741 22% · 4.6% denied
Cash-out refinance 72 2% · 11.1% denied
Home improvement 339 10% · 6.8% denied
Other / HELOC 271 8% · 12.9% denied

By loan type

Conventional 3,092 92% · 4.3% denied
FHA 170 5% · 5.9% denied
VA 78 2% · 1.3% denied
USDA / RHS 31 1% · 3.2% denied

Why it denied Nebraska applicants

Debt-to-income ratio 79 55%
Credit history 40 28%
Collateral 16 11%
Employment history 4 3%
Other 2 1%
Unverifiable information 2 1%
Insufficient cash 1 1%

Where in Nebraska

Counties with the most Pinnacle Bank applications in 2025.

CountyApplicationsOriginatedDeniedDenial rate
Lancaster County 67461315 2.2%
Douglas County 38933023 5.9%
Buffalo County 2502057 2.8%
Sarpy County 2462079 3.7%
Dodge County 21617915 6.9%
Adams County 2031794 2.0%
Platte County 1791615 2.8%
Hall County 110963 2.7%
Hamilton County 100844 4.0%
Gage County 70573 4.3%

Other large lenders in Nebraska

LenderGradeApplicationsDenial rateMedian rate
Rocket MortgageC 3,38417.6%6.75%
First National Bank of OmahaC 2,90219.6%7.00%
Charter West BankC 2,2586.6%6.50%
U.S. BankD 2,16332.9%6.99%
Veridian Credit UnionB 2,0519.8%6.49%
West Gate BankA 2,0405.0%6.50%
CentrisB 2,00216.3%6.25%
Union Bank and TrustB 1,83510.0%6.50%
Mortgage Research CenterC 1,65112.5%6.25%
United Shore Financial ServicesB 1,5588.2%6.37%

Frequently asked questions

Nebraska: 3,371 applications in 2025, of which 2,875 were originated and 144 denied.

4.3% of all applications, or 4.7% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.

The median rate on loans Pinnacle Bank originated in Nebraska in 2025 was 6.95%, against a statewide median of 6.63%.

About this data. Figures are Pinnacle Bank'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