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Nebraska mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in Nebraska, with all 93 counties.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Record year 2024.
Nebraska had 57,754 HMDA-reported mortgage applications and 38,356 originations ($8.9bn) in 2024, from 172 lenders with at least 25 applications in the state.
The statewide denial rate was 17.2% (national 24.3%) and the median rate spread 0.3 percentage points (national 0.3). Originations ran at 48.1 per 1,000 households, against 48.0 nationally.
Originations in the state went from 45,748 in 2018 to 38,356 in 2024; the denial rate moved from 16.7% to 17.2%.
The most active lenders by originations were First National Bank of Omaha (2,548), Pinnacle Bank (2,303) and Rocket Mortgage (1,917).
Most active lenders in Nebraska
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | First National Bank of Omaha | 3,811 | 2,548 | $575m | 17.6% | 0.3 |
| 2 | Pinnacle Bank | 2,748 | 2,303 | $647m | 5.7% | 0.6 |
| 3 | Rocket Mortgage | 2,537 | 1,917 | $350m | 18.8% | 0.6 |
| 4 | West Gate Bank | 1,849 | 1,593 | $403m | 4.6% | -0.1 |
| 5 | Charter West Bank | 2,002 | 1,422 | $346m | 9.5% | 0.3 |
| 6 | Veridian Credit Union | 1,944 | 1,286 | $224m | 17.4% | -0.2 |
| 7 | Union Bank and Trust Company | 1,669 | 1,217 | $254m | 14.8% | -0.2 |
| 8 | Centris Federal Credit Union | 1,828 | 1,147 | $137m | 22.9% | 0.2 |
| 9 | Us Bank, N.A. | 2,082 | 1,069 | $164m | 39.5% | 0.8 |
| 10 | United Wholesale Mortgage | 1,048 | 837 | $245m | 10.0% | 0.2 |
| 11 | Mortgage Research Center | 1,369 | 823 | $228m | 16.0% | -0.1 |
| 12 | Lincoln Federal Svgs Bk of Ne | 993 | 805 | $207m | 3.3% | 0.0 |
| 13 | Fairway Independent Mort Corp | 673 | 565 | $119m | 3.9% | 0.4 |
| 14 | Metro Credit Union | 923 | 559 | $49m | 28.2% | 0.2 |
| 15 | CMG Mortgage Inc | 740 | 517 | $132m | 4.3% | 0.4 |
| 16 | Gershman Investment Corp. | 591 | 499 | $113m | 2.0% | 0.2 |
| 17 | Guaranteed Rate, Inc. | 639 | 460 | $105m | 4.9% | 0.3 |
| 18 | Pennymac Loan Services LLC | 804 | 426 | $101m | 13.6% | 0.2 |
| 19 | Cobalt Credit Union | 715 | 424 | $62m | 19.6% | 0.3 |
| 20 | Guild Mortgage Company | 583 | 424 | $99m | 5.2% | 0.2 |
| 21 | Access Bank | 504 | 422 | $142m | 3.4% | 0.1 |
| 22 | Liberty First Credit Union | 605 | 397 | $58m | 7.3% | 0.4 |
| 23 | Churchill Mortgage Corporation | 482 | 369 | $94m | 4.4% | 0.4 |
| 24 | Navy Federal Credit Union | 668 | 367 | $76m | 25.0% | 0.3 |
| 25 | Core Bank | 452 | 360 | $103m | 2.7% | 0.0 |
| 26 | Cornhusker Bank | 410 | 353 | $97m | 4.8% | 0.1 |
| 27 | Prosperity Home Mortgage, LLC | 436 | 352 | $84m | 5.4% | 0.1 |
| 28 | Arbor Bank | 424 | 351 | $80m | 4.0% | 0.2 |
| 29 | Regent Financial Group | 378 | 332 | $70m | 0.0% | 0.5 |
| 30 | Frontier Bank | 355 | 320 | $86m | 4.7% | 0.8 |
| 31 | Ark-La-Tex Financial Services LLC | 392 | 319 | $79m | 2.4% | 0.1 |
| 32 | Freedom Mortgage Corporation | 680 | 311 | $78m | 19.4% | 0.5 |
| 33 | Plains Commerce Bank | 479 | 306 | $72m | 9.5% | 0.5 |
| 34 | American National Bank | 415 | 286 | $71m | 18.1% | 0.5 |
| 35 | Peoples Mortgage Company | 361 | 286 | $60m | 2.7% | 0.6 |
| 36 | Five Points Bank | 315 | 285 | $59m | 3.1% | — |
| 37 | Exchange Bank | 309 | 281 | $59m | 2.4% | 0.3 |
| 38 | Crosscountry Mortgage, LLC | 409 | 273 | $77m | 2.8% | 0.6 |
| 39 | Security First Bank | 324 | 268 | $51m | 5.8% | 0.3 |
| 40 | DHI Mortgage Company, LTD. | 399 | 261 | $87m | 11.6% | -0.9 |
| 41 | Discover Bank | 1,251 | 251 | $18m | 70.4% | 2.6 |
| 42 | Wells Fargo Bank NA | 515 | 251 | $61m | 30.3% | 0.0 |
| 43 | First Bank | 312 | 251 | $76m | 3.8% | 0.2 |
| 44 | BMO Harris Bank NA | 527 | 248 | $36m | 36.8% | 1.1 |
| 45 | Mutual of Omaha Mortgage | 359 | 232 | $59m | 19.5% | 0.4 |
| 46 | Dayspring bank | 259 | 225 | $42m | 3.7% | 0.1 |
| 47 | Gateway First Bank | 254 | 217 | $46m | 2.2% | 0.2 |
| 48 | Northwest Bank | 257 | 208 | $47m | 6.6% | -0.3 |
| 49 | Newrez LLC | 495 | 198 | $48m | 30.7% | 0.4 |
| 50 | Nationstar Mortgage | 298 | 198 | $31m | 16.1% | 1.1 |
| 51 | First Interstate Bank | 403 | 196 | $20m | 40.4% | 1.3 |
| 52 | Dundee Bank | 228 | 194 | $71m | 4.8% | 0.2 |
| 53 | Loandepot.com, LLC | 428 | 191 | $31m | 41.2% | 0.8 |
| 54 | First State Bank Nebraska | 242 | 176 | $45m | 6.0% | — |
| 55 | Home Federal Savings and Loan | 219 | 168 | $35m | 13.3% | 0.6 |
| 56 | Equitable Bank | 205 | 168 | $36m | 6.0% | — |
| 57 | City Bank & Trust Co. | 214 | 161 | $36m | 5.3% | — |
| 58 | BankFirst | 176 | 158 | $32m | 4.8% | — |
| 59 | Figure Lending LLC | 354 | 156 | $9.3m | 29.1% | 3.7 |
| 60 | Adams Bank & Trust | 216 | 154 | $22m | 19.4% | 0.4 |
Top 60 of 172 lenders with at least 25 applications in the state, by originations. 94 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | Nebraska | United States |
|---|---|---|
| Denial rate | 17.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.8% | 15.6% |
| Average originated loan | $231k | $329k |
| Originations per 1,000 households | 48.1 | 48.0 |
| Home purchase share of originations | 59.8% | 57.0% |
| FHA-insured share | 10.4% | 13.4% |
| VA-guaranteed share | 8.7% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
NebraskaUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 65,034 | 45,748 | $7.8bn | 16.7% | 10.4% | 8.2% | 27.6% |
| 2019 | 74,804 | 53,547 | $10bn | 14.3% | 9.8% | 9.4% | 37.5% |
| 2020 | 115,027 | 84,457 | $18bn | 10.7% | 6.7% | 10.1% | 59.6% |
| 2021 | 108,024 | 78,611 | $16bn | 11.1% | 7.4% | 9.2% | 55.6% |
| 2022 | 67,749 | 46,626 | $11bn | 14.7% | 8.4% | 7.2% | 28.2% |
| 2023 | 52,314 | 35,437 | $7.7bn | 16.5% | 10.4% | 6.8% | 17.8% |
| 2024 | 57,754 | 38,356 | $8.9bn | 17.2% | 10.4% | 8.7% | 22.1% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 60% (22,943)Home improvement 9% (3,402)Refinancing 12% (4,602)Cash-out refinancing 10% (3,881)Other purpose 9% (3,527)
By type
Conventional 80% (30,804)FHA 10% (3,995)VA 9% (3,324)USDA 1% (233)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| Douglas County | 19,085 | 12,492 | 52.4 | 17.7% | 0.3 | 91 |
| Lancaster County | 9,592 | 6,796 | 50.7 | 12.6% | 0.2 | 60 |
| Sarpy County | 8,251 | 5,510 | 74.4 | 15.7% | 0.2 | 57 |
| Hall County | 1,514 | 1,071 | 43.6 | 15.7% | 0.5 | 19 |
| Dodge County | 1,210 | 818 | 53.9 | 17.3% | 0.4 | 9 |
| Buffalo County | 1,112 | 766 | 38.3 | 16.9% | 0.3 | 9 |
| Cass County | 1,156 | 760 | 70.2 | 16.7% | 0.4 | 11 |
| Saunders County | 805 | 594 | 66.7 | 11.9% | 0.2 | 8 |
| Lincoln County | 893 | 573 | 38.5 | 20.4% | 0.3 | 7 |
| Platte County | 826 | 551 | 40.3 | 18.7% | 0.5 | 8 |
| Adams County | 802 | 534 | 40.8 | 18.1% | 0.4 | 7 |
| Washington County | 765 | 509 | 60.4 | 16.1% | 0.3 | 7 |
| Madison County | 728 | 482 | 33.3 | 18.0% | 0.4 | 8 |
| Gage County | 646 | 422 | 45.2 | 18.3% | 0.4 | 5 |
| Dawson County | 600 | 369 | 40.3 | 23.4% | 0.6 | 8 |
| Scotts Bluff County | 634 | 324 | 21.5 | 30.2% | 0.6 | 7 |
| Otoe County | 469 | 321 | 50.3 | 15.9% | 0.3 | 2 |
| Seward County | 439 | 316 | 46.6 | 13.4% | 0.2 | 5 |
| Dakota County | 419 | 258 | 34.6 | 21.7% | 0.4 | 4 |
| Hamilton County | 325 | 241 | 66.4 | 15.5% | 0.5 | 1 |
| Saline County | 347 | 227 | 44.1 | 19.2% | 0.3 | 2 |
| York County | 324 | 218 | 38.2 | 17.3% | 0.2 | 4 |
| Red Willow County | 304 | 188 | 41.7 | 24.6% | 0.6 | 3 |
| Merrick County | 242 | 169 | 52.7 | 20.2% | 0.7 | 1 |
| Cheyenne County | 264 | 162 | 36.3 | 21.5% | 0.6 | 2 |
| Keith County | 247 | 158 | 39.0 | 23.8% | 0.6 | 3 |
| Phelps County | 204 | 129 | 32.9 | 22.2% | 0.4 | 1 |
| Burt County | 207 | 127 | 43.4 | 21.1% | 0.5 | 2 |
| Box Butte County | 235 | 123 | 27.3 | 29.4% | 0.6 | 2 |
| Richardson County | 178 | 121 | 34.0 | 20.6% | 1.0 | 1 |
| Jefferson County | 183 | 118 | 37.6 | 19.7% | 0.5 | 1 |
| Butler County | 185 | 115 | 32.6 | 18.1% | 0.2 | 0 |
| Colfax County | 191 | 115 | 31.0 | 20.6% | 0.6 | 2 |
| Custer County | 174 | 113 | 25.1 | 19.7% | 0.9 | 1 |
| Fillmore County | 144 | 103 | 43.7 | 11.4% | 0.2 | 1 |
| Holt County | 144 | 103 | 25.4 | 15.9% | 1.1 | 1 |
| Howard County | 162 | 102 | 40.7 | 27.3% | 0.5 | 0 |
| Kearney County | 151 | 101 | 35.9 | 18.8% | 0.2 | 1 |
| Nemaha County | 155 | 101 | 35.5 | 17.5% | 0.4 | 0 |
| Cuming County | 148 | 97 | 25.5 | 13.8% | 0.3 | 0 |
| Dixon County | 129 | 92 | 42.0 | 18.3% | 0.2 | 1 |
| Stanton County | 121 | 91 | 39.3 | 16.7% | 0.5 | 0 |
| Dawes County | 141 | 90 | 26.1 | 19.5% | 0.3 | 1 |
| Polk County | 129 | 85 | 40.2 | 17.3% | 0.6 | 1 |
| Clay County | 149 | 83 | 33.3 | 29.4% | 0.5 | 0 |
| Wayne County | 131 | 79 | 21.0 | 23.6% | 0.4 | 0 |
| Cherry County | 92 | 62 | 27.8 | 16.0% | 0.2 | 0 |
| Furnas County | 93 | 60 | 29.9 | 10.1% | 0.5 | 1 |
| Knox County | 103 | 60 | 17.5 | 28.2% | 0.5 | 0 |
| Kimball County | 102 | 54 | 36.3 | 27.2% | 0.6 | 0 |
| Sheridan County | 85 | 54 | 25.6 | 26.0% | 0.7 | 0 |
| Boone County | 84 | 51 | 23.3 | 23.3% | 0.4 | 0 |
| Nance County | 81 | 50 | 37.3 | 21.9% | 0.5 | 0 |
| Perkins County | 67 | 48 | 40.3 | 11.1% | 1.0 | 1 |
| Cedar County | 91 | 47 | 13.6 | 22.9% | 0.4 | 0 |
| Chase County | 83 | 47 | 31.8 | 24.6% | 1.1 | 0 |
| Johnson County | 73 | 47 | 27.5 | 15.8% | 0.3 | 0 |
| Pierce County | 85 | 46 | 16.2 | 20.0% | 0.3 | 0 |
| Webster County | 72 | 46 | 30.8 | 21.3% | 0.5 | 0 |
| Valley County | 77 | 45 | 25.1 | 22.6% | 0.2 | 0 |
| Antelope County | 67 | 44 | 16.7 | 22.8% | 0.2 | 0 |
| Nuckolls County | 76 | 42 | 21.9 | 31.3% | 0.5 | 0 |
| Pawnee County | 55 | 39 | 35.8 | 18.4% | — | 0 |
| Thayer County | 65 | 39 | 18.7 | 23.5% | 0.3 | 0 |
| Franklin County | 59 | 38 | 29.4 | 20.0% | 0.3 | 0 |
| Sherman County | 48 | 38 | 28.7 | 13.3% | — | 0 |
| Thurston County | 60 | 37 | 18.6 | 25.5% | 0.9 | 0 |
| Hitchcock County | 58 | 36 | 32.4 | 26.5% | — | 0 |
| Gosper County | 54 | 35 | 41.9 | 22.9% | 0.4 | 0 |
| Brown County | 49 | 32 | 25.1 | 25.0% | 0.0 | 0 |
| Harlan County | 58 | 29 | 24.2 | 19.0% | — | 0 |
| Morrill County | 46 | 26 | 13.6 | 31.6% | 0.4 | 0 |
| Frontier County | 38 | 24 | 22.3 | 21.9% | — | 0 |
| Deuel County | 45 | 21 | 25.1 | 39.5% | — | 0 |
| Garfield County | 29 | 21 | 30.0 | 15.4% | — | 0 |
| Garden County | 32 | 17 | 19.8 | 30.8% | — | 0 |
| Greeley County | 22 | 14 | 14.6 | — | — | 0 |
| Dundy County | 25 | 13 | 16.7 | — | — | 0 |
| Wheeler County | 12 | 11 | 30.6 | — | — | 0 |
| Rock County | 19 | 10 | 16.7 | — | — | 0 |
| Thomas County | 16 | 8 | 26.3 | — | — | 0 |
| Banner County | 10 | 7 | 23.0 | — | — | 0 |
| Boyd County | 14 | 7 | 9.4 | — | — | 0 |
| Hayes County | 12 | 5 | 13.3 | — | — | 0 |
| Hooker County | 10 | 5 | 15.3 | — | — | 0 |
| Loup County | 9 | 5 | 20.5 | — | — | 0 |
| Keya Paha County | 8 | 4 | 13.2 | — | — | 0 |
| Logan County | 7 | 4 | 13.4 | — | — | 0 |
| Arthur County | 2 | 2 | 10.8 | — | — | 0 |
| Sioux County | 12 | 2 | 4.1 | — | — | 0 |
| Blaine County | 1 | 1 | 5.1 | — | — | 0 |
| Grant County | 4 | 1 | 3.5 | — | — | 0 |
| McPherson County | 2 | 1 | 4.7 | — | — | 0 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Nebraska originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in Nebraska?
By 2024 originations: First National Bank of Omaha (2,548), Pinnacle Bank (2,303), Rocket Mortgage (1,917), West Gate Bank (1,593), Charter West Bank (1,422). 172 lenders had at least 25 applications in the state.
What is the mortgage denial rate in Nebraska?
17.2% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in Nebraska changed since 2018?
Originations went from 45,748 in 2018 to 38,356 in 2024; the denial rate moved from 16.7% to 17.2%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.