Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Adams Bank & Trust | C | 112 | 87 | 8.0% | 6.88% |
| 2 | Centris | B | 111 | 80 | 9.9% | 6.63% |
| 3 | Dayspring Bank | A | 110 | 88 | 10.0% | 6.50% |
| 4 | Rocket Mortgage | C | 82 | 62 | 19.5% | 6.93% |
| 5 | Equitable Bank | B | 65 | 49 | 12.3% | — |
| 6 | First National Bank of Omaha | C | 64 | 43 | 14.1% | 6.88% |
| 7 | Mortgage Research Center | C | 45 | 22 | 31.1% | 6.25% |
| 8 | West Gate Bank | A | 33 | 30 | 6.1% | 6.50% |
| 9 | AmeriSave Mortgage | D | 22 | 11 | 40.9% | 7.88% |
| 10 | Triad Financial Services | D | 22 | 3 | 59.1% | 8.95% |
| 11 | Loandepot.Com | D | 18 | 7 | 55.6% | 5.99% |
| 12 | Broker Solutions | D | 15 | 5 | 6.7% | 7.25% |
| 13 | Pennymac Loan Services | C | 13 | 6 | 15.4% | 5.94% |
| 14 | Nationstar Mortgage | C | 13 | 9 | 0.0% | 8.13% |
| 15 | Charter West Bank | C | 13 | 9 | 0.0% | 6.63% |
| 16 | Coastal Community Bank | C | 13 | 5 | 0.0% | 12.24% |
| 17 | Primelending, a Plainscapital | A | 13 | 10 | 7.7% | 6.75% |
| 18 | Wells Fargo Bank | B | 12 | 10 | 8.3% | 5.94% |
| 19 | U.S. Bank | D | 12 | 5 | 33.3% | 6.63% |
| 20 | 21st Mortgage | F | 11 | 0 | 100.0% | — |
| 21 | Pinnacle Bank | B | 11 | 10 | 9.1% | 6.78% |
| 22 | BMO Bank | F | 11 | 3 | 54.6% | 9.20% |
| 23 | American Financial Network | C | 10 | 7 | 0.0% | 6.50% |
| 24 | Navy Federal Credit Union | D | 10 | 5 | 30.0% | 6.38% |
| 25 | Newrez | D | 9 | 3 | 11.1% | 8.38% |
Best approval odds in Lincoln County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Adams Bank & Trust | 96 | 9.4% |
| 2 | Dayspring Bank | 100 | 11.0% |
| 3 | Centris | 95 | 11.6% |
| 4 | Equitable Bank | 57 | 14.0% |
| 5 | First National Bank of Omaha | 53 | 17.0% |
| 6 | Rocket Mortgage | 79 | 20.3% |
What Lincoln County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lincoln County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 741 | 478 | 16.5% | 6.88% | $115,000 |
| 2024 | 893 | 573 | 17.3% | 6.75% | $125,000 |
| 2025 | 1,071 | 690 | 16.5% | 6.63% | $135,000 |
Frequently asked questions
16.5% of applications in Lincoln County were denied in 2025, against 12.5% statewide in Nebraska.
Adams Bank & Trust, with 112 applications in 2025 and a denial rate of 8.0%.
The median mortgage application in Lincoln County in 2025 was for $135,000; the median property value on originated loans was $225,000.