Spring Eq in Nebraska vs the state
46.7%Denial rate+34.21 pts vs state
56.9%Decision denial rate+41.76 pts vs state
32.6%Origination rate-34.70 pts vs state
9.83%Median rate+3.20 pts vs state
3.98Rate spread (pts)+3.76 pts vs state
$108kMedian applicant income
115Loans originated
165Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 252 | 71 | 61.5% | 11.70% | #54 |
| 2024 | 270 | 106 | 50.0% | 9.60% | #55 |
| 2025 | 353 | 115 | 46.7% | 9.83% | #49 |
What Spring Eq lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Spring Eq applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 111 | 40 | 50 | 45.0% |
| Sarpy County | 74 | 17 | 40 | 54.1% |
| Lancaster County | 54 | 19 | 28 | 51.9% |
| Washington County | 10 | 3 | 3 | 30.0% |
| Scotts Bluff County | 9 | 4 | 4 | 44.4% |
| Madison County | 8 | 3 | 2 | 25.0% |
| Buffalo County | 8 | 3 | 5 | 62.5% |
| Lincoln County | 6 | 1 | 1 | 16.7% |
| Cass County | 6 | 3 | 2 | 33.3% |
| Seward County | 5 | 2 | 3 | 60.0% |
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: 353 applications in 2025, of which 115 were originated and 165 denied.
46.7% of all applications, or 56.9% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Spring Eq originated in Nebraska in 2025 was 9.83%, against a statewide median of 6.63%.
About this data. Figures are Spring Eq'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