Largest lenders in Platte County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Pinnacle Bank | B | 179 | 161 | 2.8% | 7.25% |
| 2 | Charter West Bank | C | 114 | 84 | 10.5% | 6.50% |
| 3 | West Gate Bank | A | 64 | 48 | 12.5% | 6.38% |
| 4 | Plains Commerce Bank | B | 62 | 46 | 11.3% | 6.38% |
| 5 | First National Bank of Omaha | C | 59 | 37 | 22.0% | 7.15% |
| 6 | Rocket Mortgage | C | 53 | 42 | 7.6% | 6.50% |
| 7 | U.S. Bank | D | 38 | 14 | 50.0% | 7.73% |
| 8 | United Shore Financial Services | B | 28 | 19 | 14.3% | 6.25% |
| 9 | Pennymac Loan Services | C | 17 | 6 | 11.8% | 7.75% |
| 10 | BankFirst | B | 16 | 16 | 0.0% | — |
| 11 | Freedom Mortgage | B | 16 | 7 | 12.5% | 6.00% |
| 12 | Mortgage Research Center | C | 15 | 8 | 0.0% | 5.87% |
| 13 | Union Bank and Trust | B | 14 | 14 | 0.0% | 6.50% |
| 14 | Lendingone | F | 12 | 7 | 25.0% | 6.96% |
| 15 | First Nebraska Bank | C | 12 | 7 | 33.3% | — |
| 16 | Wells Fargo Bank | B | 10 | 7 | 10.0% | 6.25% |
| 17 | Kind Lending | C | 10 | 6 | 40.0% | 6.19% |
| 18 | Coastal Community Bank | C | 10 | 2 | 0.0% | 10.87% |
| 19 | Discover Bank | F | 9 | 1 | 11.1% | 7.08% |
| 20 | Nationstar Mortgage | C | 8 | 3 | 12.5% | 7.13% |
| 21 | Farm Credit Mid-America | D | 8 | 7 | 0.0% | 7.25% |
| 22 | BMO Bank | F | 8 | 4 | 50.0% | 9.24% |
| 23 | AmeriSave Mortgage | D | 7 | 1 | 71.4% | 11.75% |
| 24 | Guaranteed Rate | B | 7 | 6 | 0.0% | 6.38% |
| 25 | Baxter Credit Union | B | 7 | 6 | 0.0% | 6.81% |
Best approval odds in Platte County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Pinnacle Bank | 167 | 3.0% |
| 2 | West Gate Bank | 64 | 12.5% |
| 3 | Charter West Bank | 96 | 12.5% |
| 4 | Plains Commerce Bank | 53 | 13.2% |
| 5 | First National Bank of Omaha | 53 | 24.5% |
What Platte County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Platte County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 731 | 516 | 11.9% | 6.99% | $165,000 |
| 2024 | 826 | 551 | 16.0% | 6.88% | $185,000 |
| 2025 | 1,003 | 676 | 13.4% | 6.63% | $195,000 |
Frequently asked questions
13.4% of applications in Platte County were denied in 2025, against 12.5% statewide in Nebraska.
Pinnacle Bank, with 179 applications in 2025 and a denial rate of 2.8%.
The median mortgage application in Platte County in 2025 was for $195,000; the median property value on originated loans was $275,000.