Largest lenders in Seward County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | City Bank & Trust | B | 70 | 61 | 1.4% | — |
| 2 | West Gate Bank | A | 50 | 32 | 16.0% | 6.13% |
| 3 | Union Bank and Trust | B | 40 | 29 | 10.0% | 6.63% |
| 4 | Liberty First Credit Union | C | 33 | 21 | 9.1% | 7.38% |
| 5 | Jones Bank | – | 27 | 27 | 0.0% | — |
| 6 | Rocket Mortgage | C | 25 | 19 | 16.0% | 7.25% |
| 7 | Pinnacle Bank | B | 23 | 21 | 0.0% | 6.85% |
| 8 | Lincoln FSB of Nebraska | A | 22 | 18 | 4.6% | 6.00% |
| 9 | Cattle Bank & Trust | B | 22 | 19 | 13.6% | — |
| 10 | Newrez | D | 14 | 12 | 7.1% | 6.31% |
| 11 | U.S. Bank | D | 13 | 6 | 23.1% | 8.19% |
| 12 | Mortgage Research Center | C | 10 | 3 | 20.0% | 5.75% |
| 13 | Gershman Investment | B | 9 | 5 | 22.2% | 6.38% |
| 14 | Pennymac Loan Services | C | 8 | 6 | 0.0% | 9.63% |
| 15 | CMG Mortgage | A | 8 | 6 | 0.0% | 6.94% |
| 16 | United Shore Financial Services | B | 7 | 4 | 14.3% | 5.87% |
| 17 | Charter West Bank | C | 7 | 6 | 0.0% | 6.56% |
| 18 | Farmers and Merchants Bank | – | 6 | 6 | 0.0% | — |
| 19 | Farm Credit Mid-America | D | 6 | 5 | 16.7% | 7.05% |
| 20 | Spring Eq | D | 5 | 2 | 60.0% | 10.09% |
| 21 | Cornhusker Bank | A | 5 | 4 | 0.0% | — |
Best approval odds in Seward County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | City Bank & Trust | 62 | 1.6% |
| 2 | West Gate Bank | 50 | 16.0% |
What Seward County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Seward County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 396 | 300 | 8.1% | 6.63% | $160,000 |
| 2024 | 439 | 316 | 11.4% | 6.63% | $185,000 |
| 2025 | 525 | 390 | 10.3% | 6.75% | $185,000 |
Frequently asked questions
10.3% of applications in Seward County were denied in 2025, against 12.5% statewide in Nebraska.
City Bank & Trust, with 70 applications in 2025 and a denial rate of 1.4%.
The median mortgage application in Seward County in 2025 was for $185,000; the median property value on originated loans was $325,000.