Nebraska Mortgage Lending in 2025
Explore residential mortgage lending activity in Nebraska using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 29,455 actionable applications (Actions 1, 2, and 3).
How Nebraska Compares
Key metrics: Nebraska vs. U.S. (2025)
| Metric | Nebraska | U.S. |
|---|---|---|
| Actionable Apps | 29,455 | 5,197,320 |
| Approval Rate | 87.99% | 82.12% |
| Denial Rate | 12.01% | 17.88% |
| Originations | 25,093 | 4,052,301 |
| Originated Volume | $7.03 Billion | $1.58 Trillion |
| Median Loan | $255,000 | $325,000 |
Lending Trends in Nebraska
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 32,122 | 36,515 | +13.68% |
| Actionable Apps | 26,129 | 29,455 | +12.73% |
| Originations | 22,134 | 25,093 | +13.37% |
| Approval Rate | 87.17% | 87.99% | +0.82 pp |
| Denial Rate | 12.83% | 12.01% | -0.82 pp |
| Median Loan | $245,000 | $255,000 | +4.08% |
| Dollar Volume | $6.01 Billion | $7.03 Billion | +16.94% |
Applications by Borrower Income (Nebraska)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 7,036 | 91.91% | 8.09% |
| $150k+ | 6,139 | 94.14% | 5.86% |
| $50k–$99,999 | 11,462 | 87.31% | 12.69% |
| <$50k | 2,955 | 68.39% | 31.61% |
| Income unavailable/entity | 1,863 | 88.19% | 11.81% |
Metropolitan Areas in Nebraska
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Omaha | 17,176 | 14,828 | 89.14% |
| Lincoln | 5,228 | 4,581 | 90.65% |
| Sioux City | 1,835 | 1,426 | 79.13% |
| Grand Island | 883 | 732 | 86.75% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Nebraska (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | ROCKET MORTGAGE | 1,730 | 79.98% |
| 2 | WEST GATE BANK | 1,497 | 95.46% |
| 3 | Charter West Bank | 1,480 | 91.48% |
| 4 | PINNACLE BANK | 1,363 | 95.82% |
| 5 | United Wholesale Mortgage | 1,135 | 91.28% |
| 6 | Mortgage Research Center | 936 | 82.36% |
| 7 | LINCOLN FEDERAL SVGS BK OF NE | 894 | 96.76% |
| 8 | FIRST NATIONAL BANK OF OMAHA | 691 | 91.12% |
| 9 | Union Bank and Trust Company | 622 | 93.04% |
| 10 | VERIDIAN CREDIT UNION | 575 | 95.71% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
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