Largest lenders in Hamilton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Pinnacle Bank | B | 100 | 84 | 4.0% | 7.25% |
| 2 | West Gate Bank | A | 23 | 22 | 0.0% | 6.44% |
| 3 | Cornerstone Bank | C | 20 | 13 | 15.0% | — |
| 4 | Rocket Mortgage | C | 20 | 14 | 15.0% | 7.06% |
| 5 | Churchill Mortgage | B | 16 | 14 | 0.0% | 6.50% |
| 6 | Equitable Bank | B | 13 | 11 | 7.7% | — |
| 7 | Charter West Bank | C | 13 | 10 | 15.4% | 6.75% |
| 8 | Mortgage Research Center | C | 13 | 9 | 7.7% | 6.50% |
| 9 | Moria Development | B | 12 | 10 | 0.0% | 6.63% |
| 10 | Freedom Mortgage | B | 11 | 7 | 18.2% | 6.25% |
| 11 | Heartland Bank | – | 11 | 9 | 9.1% | — |
| 12 | Union Bank and Trust | B | 10 | 7 | 0.0% | 6.88% |
| 13 | First National Bank of Omaha | C | 9 | 7 | 0.0% | 6.13% |
| 14 | U.S. Bank | D | 9 | 3 | 44.4% | 8.00% |
| 15 | Archer Cooperative Credit Union | – | 9 | 6 | 22.2% | — |
| 16 | Heritage Bank | B | 9 | 6 | 11.1% | — |
| 17 | Coastal Community Bank | C | 8 | 4 | 0.0% | 9.87% |
| 18 | Five Points Bank | A | 5 | 5 | 0.0% | — |
Best approval odds in Hamilton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Pinnacle Bank | 88 | 4.6% |
What Hamilton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hamilton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 296 | 216 | 10.5% | 7.00% | $145,000 |
| 2024 | 325 | 241 | 13.9% | 6.75% | $155,000 |
| 2025 | 398 | 296 | 9.1% | 6.75% | $175,000 |
Frequently asked questions
9.1% of applications in Hamilton County were denied in 2025, against 12.5% statewide in Nebraska.
Pinnacle Bank, with 100 applications in 2025 and a denial rate of 4.0%.
The median mortgage application in Hamilton County in 2025 was for $175,000; the median property value on originated loans was $280,000.