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Saunders County, Nebraska · 2025

Mortgage lenders in Saunders County, NE: denial rates and top lenders (2025)

139 lenders acted on 907 mortgage applications for properties in Saunders County in 2025. 9.9% were denied (Nebraska: 12.5%). Median rate on closed loans 6.50%; median loan $205,000; median property value $365,000.

907Applications
9.9%Denial ratestate 12.5%
6.50%Median ratestate 6.63%
$205,000Median loan
$365,000Median property value

Largest lenders in Saunders County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Union Bank and Trust B 5743 8.8%6.63%
2 Rocket Mortgage C 4032 5.0%6.38%
3 Pinnacle Bank B 3833 5.3%7.25%
4 Firstbank of Nebraska A 3027 3.3%—
5 West Gate Bank A 2824 7.1%6.44%
6 First National Bank of Omaha C 2617 11.5%7.84%
7 Wahoo State Bank – 2621 0.0%—
8 Pennymac Loan Services C 2114 14.3%6.44%
9 Lincoln FSB of Nebraska A 2016 10.0%5.88%
10 Centris B 2015 5.0%6.25%
11 Charter West Bank C 2011 0.0%6.50%
12 U.S. Bank D 187 44.4%8.35%
13 Liberty First Credit Union C 1811 11.1%5.88%
14 United Shore Financial Services B 1816 5.6%5.96%
15 Rvr Bank B 1614 0.0%—
16 Veridian Credit Union B 169 18.8%6.49%
17 CMG Mortgage A 1510 6.7%6.50%
18 Gershman Investment B 1412 0.0%6.75%
19 Mortgage Research Center C 146 28.6%6.13%
20 Arbor Bank A 149 0.0%—
21 Metro CU B 1411 14.3%5.25%
22 Farmers and Merchants Bank of Ashland – 139 23.1%—
23 First State Bank Nebraska C 1310 0.0%—
24 Broker Solutions D 121 0.0%7.25%
25 Churchill Mortgage B 128 8.3%6.44%

What Saunders County borrowers applied for

By loan purpose

Home purchase 403 44% · 5.0% denied
Refinance 179 20% · 5.6% denied
Cash-out refinance 138 15% · 16.7% denied
Home improvement 87 10% · 14.9% denied
Other / HELOC 100 11% · 24.0% denied

By loan type

Conventional 768 85% · 9.4% denied
FHA 81 9% · 13.6% denied
VA 53 6% · 11.3% denied
USDA / RHS 5 1% · 20.0% denied

Why applications were denied

Debt-to-income ratio 27 33%
Credit history 20 24%
Collateral 15 18%
Incomplete application 12 15%
Other 5 6%
Unverifiable information 2 2%
Insufficient cash 1 1%

Saunders County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202368948511.3%6.88%$175,000
202480559410.3%6.75%$175,000
20259076219.9%6.50%$205,000

Frequently asked questions

9.9% of applications in Saunders County were denied in 2025, against 12.5% statewide in Nebraska.

Union Bank and Trust, with 57 applications in 2025 and a denial rate of 8.8%.

The median mortgage application in Saunders County in 2025 was for $205,000; the median property value on originated loans was $365,000.