Largest lenders in Merrick County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Pinnacle Bank | B | 63 | 54 | 4.8% | 6.97% |
| 2 | Archer Cooperative Credit Union | – | 28 | 23 | 7.1% | — |
| 3 | Rocket Mortgage | C | 27 | 17 | 14.8% | 6.99% |
| 4 | West Gate Bank | A | 11 | 7 | 0.0% | 6.13% |
| 5 | Charter West Bank | C | 10 | 9 | 0.0% | 6.38% |
| 6 | Pennymac Loan Services | C | 8 | 4 | 12.5% | 5.56% |
| 7 | Moria Development | B | 8 | 8 | 0.0% | 6.00% |
| 8 | Coastal Community Bank | C | 8 | 4 | 0.0% | 14.24% |
| 9 | First National Bank of Omaha | C | 7 | 5 | 14.3% | 7.00% |
| 10 | Citizens Bank | C | 7 | 4 | 28.6% | 6.31% |
| 11 | Freedom Mortgage | B | 7 | 0 | 28.6% | — |
| 12 | Five Points Bank | A | 7 | 6 | 14.3% | — |
| 13 | Exchange Bank | A | 7 | 6 | 0.0% | 7.25% |
| 14 | United Shore Financial Services | B | 6 | 2 | 0.0% | 7.62% |
| 15 | Mortgage Research Center | C | 6 | 4 | 0.0% | 6.38% |
| 16 | Loandepot.Com | D | 6 | 3 | 16.7% | 6.13% |
| 17 | Mutual of Omaha Mortgage | C | 5 | 3 | 0.0% | 6.75% |
| 18 | Cornerstone Bank | C | 5 | 5 | 0.0% | — |
| 19 | Farm Credit Mid-America | D | 5 | 5 | 0.0% | 7.00% |
Best approval odds in Merrick County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Pinnacle Bank | 57 | 5.3% |
What Merrick County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Merrick County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 214 | 143 | 16.4% | 7.13% | $105,000 |
| 2024 | 242 | 169 | 18.2% | 6.99% | $135,000 |
| 2025 | 305 | 219 | 8.5% | 6.75% | $125,000 |
Frequently asked questions
8.5% of applications in Merrick County were denied in 2025, against 12.5% statewide in Nebraska.
Pinnacle Bank, with 63 applications in 2025 and a denial rate of 4.8%.
The median mortgage application in Merrick County in 2025 was for $125,000; the median property value on originated loans was $215,000.