Largest lenders in Adams County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Pinnacle Bank | B | 203 | 179 | 2.0% | 6.95% |
| 2 | Charter West Bank | C | 71 | 44 | 15.5% | 6.38% |
| 3 | Rocket Mortgage | C | 45 | 30 | 26.7% | 6.63% |
| 4 | U.S. Bank | D | 41 | 20 | 46.3% | 8.45% |
| 5 | MNB Bank | B | 27 | 25 | 3.7% | — |
| 6 | West Gate Bank | A | 20 | 20 | 0.0% | 6.13% |
| 7 | Heritage Bank | B | 20 | 14 | 5.0% | — |
| 8 | Mortgage Research Center | C | 19 | 13 | 21.1% | 6.63% |
| 9 | Pennymac Loan Services | C | 17 | 8 | 17.7% | 8.69% |
| 10 | First National Bank of Omaha | C | 17 | 11 | 17.7% | 6.88% |
| 11 | 21st Mortgage | F | 16 | 4 | 37.5% | 10.22% |
| 12 | Home Federal Savings and Loan Association of Grand Island | B | 16 | 13 | 6.3% | 6.75% |
| 13 | Freedom Mortgage | B | 15 | 6 | 6.7% | 6.38% |
| 14 | AmeriSave Mortgage | D | 14 | 2 | 64.3% | 6.63% |
| 15 | Broker Solutions | D | 12 | 3 | 16.7% | 6.25% |
| 16 | Wells Fargo Bank | B | 11 | 8 | 0.0% | 6.25% |
| 17 | Moria Development | B | 11 | 7 | 0.0% | 6.50% |
| 18 | Triad Financial Services | D | 11 | 5 | 27.3% | 8.85% |
| 19 | Guaranteed Rate | B | 10 | 6 | 10.0% | 6.09% |
| 20 | First Interstate Bank | D | 10 | 3 | 20.0% | 7.34% |
| 21 | United Shore Financial Services | B | 9 | 5 | 11.1% | 6.13% |
| 22 | Fairway Independent Mortgage | B | 8 | 6 | 0.0% | 3.31% |
| 23 | Five Points Bank | A | 8 | 7 | 0.0% | — |
| 24 | Coastal Community Bank | C | 8 | 2 | 0.0% | 11.74% |
| 25 | Centris | B | 7 | 3 | 42.9% | 6.00% |
Best approval odds in Adams County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Pinnacle Bank | 186 | 2.2% |
| 2 | Charter West Bank | 55 | 20.0% |
What Adams County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Adams County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 729 | 505 | 14.3% | 6.88% | $125,000 |
| 2024 | 802 | 534 | 15.2% | 6.75% | $140,000 |
| 2025 | 817 | 549 | 14.2% | 6.63% | $145,000 |
Frequently asked questions
14.2% of applications in Adams County were denied in 2025, against 12.5% statewide in Nebraska.
Pinnacle Bank, with 203 applications in 2025 and a denial rate of 2.0%.
The median mortgage application in Adams County in 2025 was for $145,000; the median property value on originated loans was $225,000.