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Douglas County, Nebraska · 2025

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

396 lenders acted on 21,728 mortgage applications for properties in Douglas County in 2025. 12.8% were denied (Nebraska: 12.5%). Median rate on closed loans 6.50%; median loan $195,000; median property value $315,000.

22kApplications
12.8%Denial ratestate 12.5%
6.50%Median ratestate 6.63%
$195,000Median loan
$315,000Median property value

Largest lenders in Douglas County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 First National Bank of Omaha C 1,415839 21.0%7.15%
2 Veridian Credit Union B 1,279895 9.5%6.49%
3 Centris B 1,193771 16.7%6.25%
4 Rocket Mortgage C 909677 16.4%6.75%
5 Metro CU B 798459 26.6%5.75%
6 U.S. Bank D 769385 34.9%6.99%
7 Charter West Bank C 742532 5.5%6.63%
8 United Shore Financial Services B 659536 6.1%6.50%
9 Mortgage Research Center C 419251 11.2%6.25%
10 Pinnacle Bank B 389330 5.9%6.75%
11 Access Bank A 383338 2.6%6.38%
12 CMG Mortgage A 372268 3.8%6.50%
13 Pennymac Loan Services C 371215 10.2%6.50%
14 Guaranteed Rate B 368223 3.3%6.58%
15 Fairway Independent Mortgage B 368281 5.2%6.25%
16 West Gate Bank A 361290 3.6%6.50%
17 Guild Mortgage A 356256 3.9%6.38%
18 Churchill Mortgage B 305243 1.3%6.50%
19 Core Bank A 284229 4.9%6.38%
20 BMO Bank F 259137 28.6%8.73%
21 Newrez D 25492 17.3%6.63%
22 Arbor Bank A 252211 0.8%—
23 American National Bank C 246187 8.5%6.75%
24 Union Bank and Trust B 236178 7.6%6.50%
25 Freedom Mortgage B 22496 5.4%6.25%

Best approval odds in Douglas County

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

#LenderDecidedDecision denial rate
1Gershman Investment520.0%
2Gateway First Bank500.0%
3Frontier Bank1060.0%
4Gold Star Mortgage Financial Group870.0%
5Regent Financial Group1510.0%
6Flat Branch Mortgage1730.0%
7Arbor Bank2150.9%
8Churchill Mortgage2681.5%
9Dayspring Bank1271.6%
10Five Points Bank561.8%

What Douglas County borrowers applied for

By loan purpose

Home purchase 10,390 48% · 5.5% denied
Refinance 3,558 16% · 10.8% denied
Cash-out refinance 2,898 13% · 18.7% denied
Home improvement 2,242 10% · 23.8% denied
Other / HELOC 2,640 12% · 28.7% denied

By loan type

Conventional 17,723 82% · 13.1% denied
FHA 2,354 11% · 13.9% denied
VA 1,598 7% · 8.8% denied
USDA / RHS 53 0% · 5.7% denied

Why applications were denied

Debt-to-income ratio 934 34%
Credit history 768 28%
Collateral 390 14%
Incomplete application 330 12%
Other 141 5%
Unverifiable information 80 3%
Insufficient cash 73 3%
Employment history 35 1%

Douglas County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202317,15711,41614.3%6.88%$175,000
202419,08512,49214.6%6.88%$175,000
202521,72814,29412.8%6.50%$195,000

Frequently asked questions

12.8% of applications in Douglas County were denied in 2025, against 12.5% statewide in Nebraska.

First National Bank of Omaha, with 1,415 applications in 2025 and a denial rate of 21.0%.

The median mortgage application in Douglas County in 2025 was for $195,000; the median property value on originated loans was $315,000.