Largest lenders in Hall County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Exchange Bank | A | 120 | 114 | 0.8% | 7.50% |
| 2 | Fairway Independent Mortgage | B | 113 | 97 | 0.9% | 5.88% |
| 3 | Pinnacle Bank | B | 110 | 96 | 2.7% | 6.91% |
| 4 | Home Federal Savings and Loan Association of Grand Island | B | 99 | 81 | 6.1% | 7.00% |
| 5 | Five Points Bank | A | 93 | 78 | 5.4% | — |
| 6 | Charter West Bank | C | 89 | 62 | 13.5% | 6.38% |
| 7 | Centris | B | 80 | 47 | 23.8% | 6.50% |
| 8 | Rocket Mortgage | C | 79 | 56 | 20.3% | 6.69% |
| 9 | First National Bank of Omaha | C | 77 | 48 | 23.4% | 6.98% |
| 10 | Moria Development | B | 65 | 54 | 0.0% | 6.75% |
| 11 | Equitable Bank | B | 62 | 56 | 1.6% | — |
| 12 | U.S. Bank | D | 56 | 24 | 41.1% | 8.58% |
| 13 | Castle & Cooke Mortgage | C | 51 | 37 | 13.7% | 6.38% |
| 14 | Bruning Bank | C | 50 | 44 | 4.0% | — |
| 15 | Freedom Mortgage | B | 30 | 15 | 13.3% | 6.25% |
| 16 | Pennymac Loan Services | C | 29 | 17 | 6.9% | 7.63% |
| 17 | Churchill Mortgage | B | 29 | 25 | 0.0% | 6.63% |
| 18 | West Gate Bank | A | 27 | 25 | 3.7% | 6.13% |
| 19 | United Shore Financial Services | B | 27 | 18 | 14.8% | 6.13% |
| 20 | Union Bank and Trust | B | 25 | 19 | 16.0% | 6.88% |
| 21 | Pathway Bank | – | 25 | 16 | 24.0% | — |
| 22 | Coastal Community Bank | C | 22 | 5 | 0.0% | 9.24% |
| 23 | BMO Bank | F | 21 | 6 | 23.8% | 10.31% |
| 24 | Mortgage Research Center | C | 18 | 10 | 16.7% | 6.25% |
| 25 | Heritage Bank | B | 16 | 15 | 0.0% | — |
Best approval odds in Hall County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Moria Development | 54 | 0.0% |
| 2 | Exchange Bank | 116 | 0.9% |
| 3 | Fairway Independent Mortgage | 102 | 1.0% |
| 4 | Equitable Bank | 58 | 1.7% |
| 5 | Pinnacle Bank | 99 | 3.0% |
| 6 | Five Points Bank | 83 | 6.0% |
| 7 | Home Federal Savings and Loan Association of Grand Island | 90 | 6.7% |
| 8 | Charter West Bank | 74 | 16.2% |
| 9 | Rocket Mortgage | 75 | 21.3% |
| 10 | First National Bank of Omaha | 67 | 26.9% |
What Hall County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hall County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,509 | 1,042 | 13.4% | 6.99% | $155,000 |
| 2024 | 1,514 | 1,071 | 13.5% | 6.88% | $155,000 |
| 2025 | 1,753 | 1,224 | 12.3% | 6.75% | $155,000 |
Frequently asked questions
12.3% of applications in Hall County were denied in 2025, against 12.5% statewide in Nebraska.
Exchange Bank, with 120 applications in 2025 and a denial rate of 0.8%.
The median mortgage application in Hall County in 2025 was for $155,000; the median property value on originated loans was $275,000.