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Cass County, Nebraska · 2025

Mortgage lenders in Cass County, NE: denial rates and top lenders (2025)

152 lenders acted on 1,240 mortgage applications for properties in Cass County in 2025. 11.9% were denied (Nebraska: 12.5%). Median rate on closed loans 6.63%; median loan $185,000; median property value $345,000.

1.2kApplications
11.9%Denial ratestate 12.5%
6.63%Median ratestate 6.63%
$185,000Median loan
$345,000Median property value

Largest lenders in Cass County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 8261 15.9%6.63%
2 Pinnacle Bank B 5247 0.0%7.10%
3 Mortgage Research Center C 4221 7.1%6.50%
4 First National Bank of Omaha C 3825 13.2%6.99%
5 Veridian Credit Union B 3625 8.3%6.74%
6 Cobalt Credit Union B 3533 5.7%6.88%
7 Core Bank A 3325 6.1%6.49%
8 Centris B 3321 18.2%6.25%
9 Pennymac Loan Services C 3219 3.1%6.13%
10 U.S. Bank D 3216 37.5%6.93%
11 Everett Financial C 3126 6.5%6.50%
12 West Gate Bank A 2825 3.6%6.50%
13 Liberty First Credit Union C 2517 16.0%6.13%
14 United Shore Financial Services B 2518 16.0%6.25%
15 Navy Federal Credit Union D 2516 16.0%8.43%
16 Guaranteed Rate B 2419 0.0%6.23%
17 Union Bank and Trust B 2318 4.4%6.50%
18 Citizens State Bank – 2319 4.4%—
19 CMG Mortgage A 2214 0.0%6.56%
20 Ark-La-Tex Financial Services, LLC. A 1914 5.3%6.25%
21 Coastal Community Bank C 198 0.0%10.49%
22 Charter West Bank C 1812 11.1%6.50%
23 First State Bank Nebraska C 1816 0.0%—
24 Lincoln FSB of Nebraska A 1714 0.0%6.50%
25 Metro CU B 1710 17.7%5.88%

Best approval odds in Cass County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Rocket Mortgage7716.9%

What Cass County borrowers applied for

By loan purpose

Home purchase 509 41% · 6.1% denied
Refinance 263 21% · 10.7% denied
Cash-out refinance 220 18% · 19.1% denied
Home improvement 116 9% · 14.7% denied
Other / HELOC 132 11% · 22.0% denied

By loan type

Conventional 930 75% · 12.4% denied
FHA 128 10% · 15.6% denied
VA 167 13% · 6.6% denied
USDA / RHS 15 1% · 6.7% denied

Why applications were denied

Debt-to-income ratio 48 33%
Credit history 41 28%
Collateral 23 16%
Incomplete application 18 13%
Unverifiable information 7 5%
Other 4 3%
Insufficient cash 3 2%

Cass County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,04670413.7%6.99%$155,000
20241,15676013.8%6.88%$175,000
20251,24083111.9%6.63%$185,000

Frequently asked questions

11.9% of applications in Cass County were denied in 2025, against 12.5% statewide in Nebraska.

Rocket Mortgage, with 82 applications in 2025 and a denial rate of 15.9%.

The median mortgage application in Cass County in 2025 was for $185,000; the median property value on originated loans was $345,000.