UMB Bank in Nebraska vs the state
20.0%Denial rate+7.47 pts vs state
25.0%Decision denial rate+9.86 pts vs state
60.0%Origination rate-7.28 pts vs state
5.99%Median rate-0.63 pts vs state
-1.22Rate spread (pts)-1.44 pts vs state
$131kMedian applicant income
6Loans originated
2Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 9 | 14.3% | 5.99% | #196 |
| 2024 | 13 | 10 | 15.4% | 6.59% | #204 |
| 2025 | 10 | 6 | 20.0% | 5.99% | #253 |
What UMB Bank lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 8 | 6 | 1 | 12.5% |
| Sarpy County | 1 | 0 | 0 | 0.0% |
| Scotts Bluff County | 1 | 0 | 1 | 100.0% |
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: 10 applications in 2025, of which 6 were originated and 2 denied.
20.0% 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 UMB Bank originated in Nebraska in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are UMB 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