Largest mortgage lenders in Nebraska
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 3,384 | 2,480 | 17.6% | 6.75% |
| 2 | Pinnacle Bank | B | 3,371 | 2,875 | 4.3% | 6.95% |
| 3 | First National Bank of Omaha | C | 2,902 | 1,773 | 19.6% | 7.00% |
| 4 | Charter West Bank | C | 2,258 | 1,606 | 6.6% | 6.50% |
| 5 | U.S. Bank | D | 2,163 | 1,112 | 32.9% | 6.99% |
| 6 | Veridian Credit Union | B | 2,051 | 1,444 | 9.8% | 6.49% |
| 7 | West Gate Bank | A | 2,040 | 1,724 | 5.0% | 6.50% |
| 8 | Centris | B | 2,002 | 1,318 | 16.3% | 6.25% |
| 9 | Union Bank and Trust | B | 1,835 | 1,373 | 10.0% | 6.50% |
| 10 | Mortgage Research Center | C | 1,651 | 950 | 12.5% | 6.25% |
| 11 | United Shore Financial Services | B | 1,558 | 1,211 | 8.2% | 6.37% |
| 12 | Lincoln FSB of Nebraska | A | 1,294 | 1,077 | 2.8% | 6.38% |
| 13 | Pennymac Loan Services | C | 1,137 | 611 | 11.8% | 6.49% |
| 14 | Metro CU | B | 1,077 | 633 | 25.5% | 5.75% |
| 15 | CMG Mortgage | A | 968 | 701 | 3.5% | 6.50% |
| 16 | Freedom Mortgage | B | 898 | 419 | 9.1% | 6.25% |
| 17 | Fairway Independent Mortgage | B | 885 | 687 | 4.8% | 6.13% |
| 18 | Guaranteed Rate | B | 863 | 558 | 4.1% | 6.50% |
| 19 | Liberty First Credit Union | C | 659 | 415 | 9.6% | 6.63% |
| 20 | Newrez | D | 657 | 254 | 16.4% | 6.50% |
| 21 | Gershman Investment | B | 654 | 537 | 1.7% | 6.38% |
| 22 | Navy Federal Credit Union | D | 639 | 331 | 18.2% | 6.75% |
| 23 | Churchill Mortgage | B | 634 | 513 | 2.4% | 6.50% |
| 24 | Guild Mortgage | A | 626 | 468 | 3.5% | 6.38% |
| 25 | Coastal Community Bank | C | 624 | 188 | 1.1% | 10.62% |
Best approval odds in Nebraska
Lowest decision denial rate among lenders that decided at least 300 Nebraska applications in 2025.
| # | Lender | Decided | Decision denial rate | Median rate |
|---|---|---|---|---|
| 1 | Arbor Bank | 362 | 0.6% | — |
| 2 | Coastal Community Bank | 483 | 1.5% | 10.62% |
| 3 | Ark-La-Tex Financial Services, LLC. | 313 | 1.6% | 6.49% |
| 4 | Gershman Investment | 549 | 2.0% | 6.38% |
| 5 | Access Bank | 509 | 2.4% | 6.38% |
| 6 | Five Points Bank | 307 | 2.6% | — |
| 7 | Churchill Mortgage | 568 | 2.6% | 6.50% |
| 8 | Security First Bank | 365 | 2.7% | 6.75% |
| 9 | First Bank | 351 | 2.9% | 6.38% |
| 10 | Lincoln FSB of Nebraska | 1,122 | 3.2% | 6.38% |
Lowest median rates in Nebraska
Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.
| # | Lender | Priced loans | Median rate | Denial rate |
|---|---|---|---|---|
| 1 | Dhi Mortgage Company | 329 | 5.50% | 10.4% |
| 2 | Metro CU | 633 | 5.75% | 25.5% |
| 3 | Bank of America | 103 | 5.99% | 33.0% |
| 4 | Fairway Independent Mortgage | 687 | 6.13% | 4.8% |
| 5 | GREENSTATE Credit Union | 148 | 6.24% | 5.3% |
| 6 | Prosperity Home Mortgage | 254 | 6.25% | 3.3% |
| 7 | Core Bank | 408 | 6.25% | 3.9% |
| 8 | Freedom Mortgage | 419 | 6.25% | 9.1% |
| 9 | Mortgage Research Center | 949 | 6.25% | 12.5% |
| 10 | Centris | 1,318 | 6.25% | 16.3% |
What Nebraska borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why Nebraska applications were denied
Nebraska mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 52,314 | 35,437 | 13.9% | 6.88% | $155,000 | 558 |
| 2024 | 57,754 | 38,356 | 14.3% | 6.75% | $165,000 | 534 |
| 2025 | 65,283 | 43,920 | 12.5% | 6.63% | $185,000 | 565 |
Nebraska counties
Counties with at least 200 applications in 2025, most active first.
Frequently asked questions
12.5% of mortgage applications in Nebraska were denied in 2025 (15.1% of applications that reached a decision). Nationally the rate was 18.0%.
Rocket Mortgage handled the most applications in Nebraska in 2025: 3,384, with a denial rate of 17.6%.
Among lenders that decided at least 300 applications in Nebraska, Arbor Bank had the lowest decision denial rate at 0.6%.
The median interest rate on loans originated in Nebraska in 2025 was 6.63%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.