Largest lenders in Sarpy County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Veridian Credit Union | B | 572 | 422 | 9.4% | 6.49% |
| 2 | Centris | B | 453 | 313 | 14.4% | 6.25% |
| 3 | First National Bank of Omaha | C | 429 | 261 | 20.1% | 7.13% |
| 4 | Rocket Mortgage | C | 419 | 314 | 16.5% | 6.88% |
| 5 | Mortgage Research Center | C | 394 | 270 | 9.1% | 6.25% |
| 6 | Dhi Mortgage Company | B | 336 | 215 | 11.0% | 5.50% |
| 7 | United Shore Financial Services | B | 315 | 265 | 3.5% | 6.13% |
| 8 | Charter West Bank | C | 300 | 226 | 2.3% | 6.38% |
| 9 | Pinnacle Bank | B | 246 | 207 | 3.7% | 6.89% |
| 10 | U.S. Bank | D | 230 | 120 | 31.3% | 6.99% |
| 11 | Pennymac Loan Services | C | 207 | 123 | 8.2% | 6.25% |
| 12 | Metro CU | B | 202 | 129 | 21.8% | 5.75% |
| 13 | CMG Mortgage | A | 194 | 138 | 4.6% | 6.63% |
| 14 | Guaranteed Rate | B | 189 | 138 | 1.1% | 6.25% |
| 15 | Navy Federal Credit Union | D | 187 | 107 | 15.5% | 6.88% |
| 16 | Cobalt Credit Union | B | 184 | 157 | 5.4% | 6.99% |
| 17 | Freedom Mortgage | B | 164 | 91 | 4.3% | 6.13% |
| 18 | Core Bank | A | 148 | 132 | 2.0% | 6.13% |
| 19 | Churchill Mortgage | B | 142 | 124 | 1.4% | 6.25% |
| 20 | Fairway Independent Mortgage | B | 138 | 109 | 5.8% | 6.13% |
| 21 | Access Bank | A | 123 | 107 | 0.8% | 6.38% |
| 22 | Guild Mortgage | A | 117 | 96 | 1.7% | 6.43% |
| 23 | West Gate Bank | A | 108 | 96 | 4.6% | 6.38% |
| 24 | American National Bank | C | 92 | 70 | 9.8% | 6.93% |
| 25 | Newrez | D | 92 | 34 | 15.2% | 6.69% |
Best approval odds in Sarpy County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Arbor Bank | 57 | 0.0% |
| 2 | Ark-La-Tex Financial Services, LLC. | 79 | 0.0% |
| 3 | Access Bank | 109 | 0.9% |
| 4 | Guaranteed Rate | 140 | 1.4% |
| 5 | Coastal Community Bank | 68 | 1.5% |
| 6 | Churchill Mortgage | 134 | 1.5% |
| 7 | Flat Branch Mortgage | 63 | 1.6% |
| 8 | Northwest Bank | 57 | 1.8% |
| 9 | Guild Mortgage | 100 | 2.0% |
| 10 | Core Bank | 135 | 2.2% |
What Sarpy County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sarpy County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 7,015 | 4,781 | 13.1% | 6.75% | $215,000 |
| 2024 | 8,251 | 5,510 | 12.9% | 6.63% | $225,000 |
| 2025 | 8,935 | 6,143 | 11.2% | 6.49% | $245,000 |
Frequently asked questions
11.2% of applications in Sarpy County were denied in 2025, against 12.5% statewide in Nebraska.
Veridian Credit Union, with 572 applications in 2025 and a denial rate of 9.4%.
The median mortgage application in Sarpy County in 2025 was for $245,000; the median property value on originated loans was $365,000.