Largest lenders in Otoe County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Firstbank of Nebraska | A | 35 | 33 | 0.0% | — |
| 2 | Rocket Mortgage | C | 30 | 19 | 13.3% | 6.50% |
| 3 | Arbor Bank | A | 30 | 28 | 0.0% | — |
| 4 | West Gate Bank | A | 23 | 22 | 0.0% | 6.19% |
| 5 | First Nebraska Bank | C | 17 | 13 | 5.9% | — |
| 6 | Mortgage Research Center | C | 13 | 6 | 15.4% | 6.56% |
| 7 | Union Bank and Trust | B | 12 | 9 | 16.7% | 6.63% |
| 8 | Pinnacle Bank | B | 12 | 12 | 0.0% | 6.69% |
| 9 | Gershman Investment | B | 12 | 10 | 8.3% | 5.94% |
| 10 | Liberty First Credit Union | C | 12 | 7 | 0.0% | 6.49% |
| 11 | Lincoln FSB of Nebraska | A | 11 | 11 | 0.0% | 6.25% |
| 12 | Coastal Community Bank | C | 10 | 5 | 0.0% | 10.49% |
| 13 | First National Bank of Omaha | C | 9 | 5 | 11.1% | 6.13% |
| 14 | Charter West Bank | C | 9 | 6 | 11.1% | 6.56% |
| 15 | Broker Solutions | D | 9 | 3 | 22.2% | 7.25% |
| 16 | Navy Federal Credit Union | D | 9 | 5 | 22.2% | 6.75% |
| 17 | Pennymac Loan Services | C | 8 | 5 | 12.5% | 6.49% |
| 18 | U.S. Bank | D | 8 | 1 | 62.5% | 6.63% |
| 19 | Freedom Mortgage | B | 8 | 3 | 12.5% | 6.13% |
| 20 | United Shore Financial Services | B | 8 | 6 | 25.0% | 5.81% |
| 21 | Sofi Bank | D | 8 | 5 | 12.5% | 8.24% |
| 22 | American National Bank | C | 7 | 5 | 28.6% | 6.00% |
| 23 | Everett Financial | C | 7 | 5 | 0.0% | 6.99% |
| 24 | Commercial State Bank | – | 7 | 7 | 0.0% | — |
| 25 | Cornhusker Bank | A | 7 | 4 | 28.6% | — |
What Otoe County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Otoe County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 402 | 263 | 16.4% | 7.23% | $125,000 |
| 2024 | 469 | 321 | 13.4% | 6.75% | $145,000 |
| 2025 | 507 | 368 | 9.9% | 6.50% | $175,000 |
Frequently asked questions
9.9% of applications in Otoe County were denied in 2025, against 12.5% statewide in Nebraska.
Firstbank of Nebraska, with 35 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Otoe County in 2025 was for $175,000; the median property value on originated loans was $265,000.