Largest lenders in Scotts Bluff County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 97 | 82 | 10.3% | 6.75% |
| 2 | First National Bank of Omaha | C | 74 | 40 | 17.6% | 6.75% |
| 3 | Meridian Trust Federal Credit Union | B | 64 | 36 | 9.4% | 6.50% |
| 4 | Freedom Mortgage | B | 37 | 14 | 16.2% | 5.93% |
| 5 | U.S. Bank | D | 36 | 14 | 47.2% | 7.19% |
| 6 | Mortgage Research Center | C | 35 | 16 | 20.0% | 6.75% |
| 7 | Castle & Cooke Mortgage | C | 28 | 18 | 7.1% | 6.75% |
| 8 | 21st Mortgage | F | 26 | 8 | 57.7% | 9.97% |
| 9 | Broker Solutions | D | 25 | 6 | 8.0% | 7.25% |
| 10 | Nationstar Mortgage | C | 17 | 14 | 5.9% | 8.13% |
| 11 | United Shore Financial Services | B | 16 | 6 | 31.3% | 5.94% |
| 12 | Coastal Community Bank | C | 15 | 1 | 0.0% | 14.99% |
| 13 | AmeriSave Mortgage | D | 14 | 2 | 64.3% | 8.19% |
| 14 | Loandepot.Com | D | 12 | 6 | 25.0% | 6.62% |
| 15 | Pennymac Loan Services | C | 11 | 5 | 27.3% | 6.13% |
| 16 | Primary Residential Mortgage | C | 10 | 8 | 10.0% | 6.69% |
| 17 | Spring Eq | D | 9 | 4 | 44.4% | 10.60% |
| 18 | Sofi Bank | D | 9 | 3 | 0.0% | 7.25% |
| 19 | Waterstone Mortgage | C | 8 | 6 | 0.0% | 7.37% |
| 20 | Guild Mortgage | A | 8 | 7 | 0.0% | 6.13% |
| 21 | New Day Financial | F | 7 | 2 | 14.3% | 7.12% |
| 22 | West Gate Bank | A | 7 | 7 | 0.0% | 6.38% |
| 23 | Newrez | D | 7 | 3 | 0.0% | 5.99% |
| 24 | Wells Fargo Bank | B | 6 | 2 | 66.7% | 6.75% |
| 25 | USAA Federal Savings Bank | C | 6 | 3 | 0.0% | 6.63% |
Best approval odds in Scotts Bluff County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 92 | 10.9% |
| 2 | First National Bank of Omaha | 54 | 24.1% |
What Scotts Bluff County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Scotts Bluff County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 560 | 289 | 21.6% | 6.75% | $115,000 |
| 2024 | 634 | 324 | 23.7% | 6.99% | $125,000 |
| 2025 | 768 | 407 | 19.9% | 6.75% | $135,000 |
Frequently asked questions
19.9% of applications in Scotts Bluff County were denied in 2025, against 12.5% statewide in Nebraska.
Rocket Mortgage, with 97 applications in 2025 and a denial rate of 10.3%.
The median mortgage application in Scotts Bluff County in 2025 was for $135,000; the median property value on originated loans was $215,000.