Largest lenders in Lancaster County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Union Bank and Trust | B | 1,081 | 806 | 9.8% | 6.50% |
| 2 | Lincoln FSB of Nebraska | A | 880 | 751 | 1.7% | 6.38% |
| 3 | Pinnacle Bank | B | 674 | 613 | 2.2% | 6.99% |
| 4 | U.S. Bank | D | 493 | 286 | 24.5% | 6.86% |
| 5 | Liberty First Credit Union | C | 465 | 300 | 8.4% | 6.63% |
| 6 | Gershman Investment | B | 450 | 365 | 1.6% | 6.38% |
| 7 | Rocket Mortgage | C | 435 | 333 | 13.8% | 6.63% |
| 8 | West Gate Bank | A | 401 | 335 | 3.7% | 6.50% |
| 9 | Cornhusker Bank | A | 385 | 338 | 4.2% | — |
| 10 | CMG Mortgage | A | 273 | 212 | 1.5% | 6.50% |
| 11 | Charter West Bank | C | 207 | 167 | 1.9% | 6.50% |
| 12 | United Shore Financial Services | B | 194 | 138 | 15.0% | 6.13% |
| 13 | Mortgage Research Center | C | 184 | 83 | 16.3% | 6.25% |
| 14 | Pennymac Loan Services | C | 174 | 88 | 15.5% | 6.50% |
| 15 | Prosperity Home Mortgage | A | 163 | 131 | 1.8% | 6.13% |
| 16 | Freedom Mortgage | B | 146 | 69 | 10.3% | 6.25% |
| 17 | 21st Mortgage | F | 144 | 43 | 41.7% | 10.53% |
| 18 | Security First Bank | A | 144 | 126 | 0.7% | 6.56% |
| 19 | Newrez | D | 132 | 54 | 16.7% | 6.13% |
| 20 | First Bank | C | 129 | 109 | 3.1% | 6.50% |
| 21 | First National Bank of Omaha | C | 118 | 69 | 17.8% | 6.99% |
| 22 | Fairway Independent Mortgage | B | 118 | 90 | 3.4% | 6.38% |
| 23 | Lincone Federal Credit Union | C | 105 | 85 | 6.7% | 7.00% |
| 24 | First State Bank Nebraska | C | 103 | 72 | 7.8% | — |
| 25 | City Bank & Trust | B | 100 | 76 | 8.0% | — |
Best approval odds in Lancaster County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Frontier Bank | 62 | 0.0% |
| 2 | Five Points Bank | 64 | 0.0% |
| 3 | LPS Employees Federal Credit Union | 76 | 0.0% |
| 4 | Cattle Bank & Trust | 86 | 0.0% |
| 5 | Security First Bank | 139 | 0.7% |
| 6 | Coastal Community Bank | 78 | 1.3% |
| 7 | Nebraska Bank of Commerce | 74 | 1.4% |
| 8 | CMG Mortgage | 226 | 1.8% |
| 9 | Gershman Investment | 372 | 1.9% |
| 10 | Lincoln FSB of Nebraska | 772 | 1.9% |
What Lancaster County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lancaster County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 8,827 | 6,455 | 10.5% | 6.88% | $185,000 |
| 2024 | 9,592 | 6,796 | 10.6% | 6.88% | $195,000 |
| 2025 | 10,897 | 7,840 | 9.3% | 6.63% | $205,000 |
Frequently asked questions
9.3% of applications in Lancaster County were denied in 2025, against 12.5% statewide in Nebraska.
Union Bank and Trust, with 1,081 applications in 2025 and a denial rate of 9.8%.
The median mortgage application in Lancaster County in 2025 was for $205,000; the median property value on originated loans was $315,000.