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Washington County, Nebraska · 2025

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

119 lenders acted on 832 mortgage applications for properties in Washington County in 2025. 11.5% were denied (Nebraska: 12.5%). Median rate on closed loans 6.50%; median loan $195,000; median property value $365,000.

832Applications
11.5%Denial ratestate 12.5%
6.50%Median ratestate 6.63%
$195,000Median loan
$365,000Median property value

Largest lenders in Washington County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 West Gate Bank A 6856 7.4%6.38%
2 Rvr Bank B 6450 6.3%—
3 Rocket Mortgage C 3827 23.7%6.99%
4 First National Bank of Omaha C 3522 11.4%6.99%
5 Centris B 3423 23.5%6.25%
6 Veridian Credit Union B 3121 6.5%6.49%
7 Castle & Cooke Mortgage C 3128 3.2%6.69%
8 Washington County Bank D 2816 3.6%—
9 United Shore Financial Services B 1814 11.1%6.50%
10 Metro CU B 1811 16.7%6.00%
11 U.S. Bank D 179 35.3%7.63%
12 Cobalt Credit Union B 1614 0.0%6.68%
13 Pinnacle Bank B 1612 0.0%7.38%
14 Iowa Bankers Mortgage B 1511 13.3%6.63%
15 Mortgage Research Center C 156 6.7%6.06%
16 Freedom Mortgage B 149 7.1%6.25%
17 Churchill Mortgage B 1310 15.4%6.63%
18 Charter West Bank C 125 8.3%6.88%
19 21st Mortgage F 113 45.5%10.54%
20 Newrez D 114 27.3%7.38%
21 Regent Financial Group B 1110 0.0%6.63%
22 Spring Eq D 103 30.0%9.93%
23 Broker Solutions D 100 10.0%—
24 Figure Lending C 104 10.0%11.68%
25 Guaranteed Rate B 96 0.0%6.81%

Best approval odds in Washington County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Rvr Bank646.3%
2West Gate Bank687.4%

What Washington County borrowers applied for

By loan purpose

Home purchase 334 40% · 8.4% denied
Refinance 187 22% · 6.4% denied
Cash-out refinance 126 15% · 19.1% denied
Home improvement 86 10% · 15.1% denied
Other / HELOC 99 12% · 19.2% denied

By loan type

Conventional 698 84% · 11.8% denied
FHA 59 7% · 15.3% denied
VA 71 9% · 7.0% denied
USDA / RHS 4 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 27 31%
Collateral 19 22%
Incomplete application 15 17%
Credit history 15 17%
Other 8 9%
Insufficient cash 2 2%
Unverifiable information 1 1%
Employment history 1 1%

Washington County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202369744614.6%6.99%$185,000
202476550913.6%6.63%$185,000
202583255511.5%6.50%$195,000

Frequently asked questions

11.5% of applications in Washington County were denied in 2025, against 12.5% statewide in Nebraska.

West Gate Bank, with 68 applications in 2025 and a denial rate of 7.4%.

The median mortgage application in Washington County in 2025 was for $195,000; the median property value on originated loans was $365,000.