Nebraska Mortgage Lending
472 lenders reporting under HMDA
Statewide mortgage activity. Lenders filed 67,379 HMDA-reported mortgage applications in Nebraska in 2024, originating 38,344 loans and denying 8,266. That puts the statewide denial rate at 12.3% and the approval (origination) rate at 56.9%. The average loan amount across Nebraska was $220,678 at an average note rate of 6.91%. 472 distinct institutions — banks, credit unions, and independent mortgage companies — filed HMDA data covering activity in the state. Applications span 93 counties and 5 metropolitan areas.
What drives state-level differences. State mortgage denial rates reflect applicant mix more than lender stance. Credit profiles, loan-to-value ratios, debt-to-income, property type, and rural-versus-urban composition all move the number before any lender policy does. Demographic lending data reported under HMDA shows variation across applicant groups — for example, White applicants had an approval rate of 63.2% and denial rate of 12.2%; while Black or African American applicants had an approval rate of 49.0% and denial rate of 21.1%. These are derived race categories as reported by applicants and do not by themselves prove causation; credit score, income, and loan-to-value are not reported in HMDA and drive much of the underlying variation. Top counties by volume include Douglas County, Lancaster County, Sarpy County.
How to read this page. These are aggregate 2024 HMDA disclosures published by the Consumer Financial Protection Bureau — a federal transparency dataset, not a real-time market feed. A state-level number is useful for context but cannot tell you what rate, fees, or underwriting any individual lender will offer a specific borrower. This page is informational data reporting, not financial, legal, or mortgage advice. Shop at least three lenders, compare Loan Estimates line-by-line, and consult a licensed mortgage professional before applying. Data reflects the CFPB HMDA 2024 Snapshot National Loan-Level Dataset; demographic fields reflect derived categories as reported by applicants.
Nearby Lenders in Nebraska
Top HMDA-reporting lenders active in Nebraska. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | FIRST NATIONAL BANK OF OMAHA | 2,548 | 6.6% |
| 2 | PINNACLE BANK | 2,303 | 6.0% |
| 3 | ROCKET MORTGAGE | 1,917 | 5.0% |
| 4 | West Gate Bank | 1,593 | 4.2% |
| 5 | Charter West Bank | 1,422 | 3.7% |
Lending by Race in Nebraska
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 47,352 | 63.2% | 12.2% |
| Black or African American | 2,005 | 49.0% | 21.1% |
| Asian | 1,837 | 57.6% | 14.8% |
| Joint | 1,311 | 62.4% | 11.9% |
| American Indian or Alaska Native | 400 | 45.3% | 22.5% |
| Native Hawaiian or Other Pacific Islander | 92 | 42.4% | 27.2% |
| 2 or more minority races | 69 | 39.1% | 33.3% |
Counties in Nebraska
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Douglas County | 22,001 | 12,490 | 12.7% | $246,945 |
| Lancaster County | 11,422 | 6,792 | 8.9% | $232,760 |
| Sarpy County | 9,591 | 5,508 | 11.1% | $251,444 |
| Hall County | 1,773 | 1,070 | 11.6% | $184,938 |
| Dodge County | 1,393 | 818 | 13.0% | $164,899 |
| Cass County | 1,344 | 760 | 11.8% | $217,344 |
| Buffalo County | 1,338 | 766 | 11.9% | $240,419 |
| Platte County | 1,031 | 551 | 12.8% | $215,524 |
| Lincoln County | 1,028 | 573 | 15.0% | $145,593 |
| Adams County | 960 | 534 | 12.7% | $182,896 |
| Saunders County | 913 | 595 | 9.1% | $246,369 |
| Washington County | 854 | 509 | 12.2% | $236,710 |
| Madison County | 836 | 482 | 13.3% | $197,584 |
| Scotts Bluff County | 812 | 324 | 18.5% | $155,222 |
| Gage County | 747 | 418 | 13.5% | $164,853 |
| Dawson County | 690 | 369 | 17.1% | $161,913 |
| Otoe County | 545 | 321 | 11.6% | $194,119 |
| Seward County | 532 | 316 | 9.4% | $218,966 |
| Dakota County | 435 | 258 | 17.0% | $157,023 |
| Saline County | 415 | 227 | 13.5% | $174,663 |
| Hamilton County | 404 | 241 | 11.1% | $179,282 |
| Red Willow County | 385 | 188 | 16.4% | $149,597 |
| York County | 378 | 218 | 13.0% | $153,148 |
| Cheyenne County | 304 | 162 | 15.1% | $139,539 |
| Merrick County | 291 | 169 | 15.1% | $163,522 |
| Box Butte County | 287 | 123 | 18.5% | $128,171 |
| Keith County | 286 | 158 | 17.5% | $169,021 |
| Phelps County | 240 | 129 | 16.3% | $159,208 |
| Burt County | 230 | 127 | 15.7% | $158,609 |
| Butler County | 224 | 115 | 12.1% | $163,616 |
| Colfax County | 221 | 115 | 14.9% | $174,774 |
| Jefferson County | 211 | 118 | 14.7% | $159,028 |
| Richardson County | 198 | 121 | 16.7% | $100,000 |
| Custer County | 195 | 113 | 14.4% | $135,256 |
| Howard County | 188 | 102 | 20.7% | $201,596 |
| Nemaha County | 187 | 101 | 11.8% | $123,449 |
| Kearney County | 180 | 101 | 13.3% | $160,056 |
| Clay County | 168 | 83 | 22.0% | $151,429 |
| Cuming County | 166 | 97 | 10.2% | $183,976 |
| Holt County | 165 | 103 | 12.1% | $124,879 |
| Fillmore County | 159 | 103 | 8.8% | $144,686 |
| Dawes County | 157 | 90 | 14.7% | $143,025 |
| Wayne County | 156 | 79 | 16.7% | $179,936 |
| Polk County | 154 | 85 | 12.3% | $169,156 |
| Dixon County | 147 | 92 | 14.3% | $128,741 |
| Stanton County | 140 | 91 | 13.6% | $175,786 |
| Furnas County | 117 | 60 | 6.0% | $125,769 |
| Kimball County | 116 | 54 | 19.0% | $183,879 |
| Knox County | 112 | 60 | 21.4% | $160,714 |
| Cherry County | 106 | 62 | 12.3% | $159,623 |
| Boone County | 104 | 51 | 16.4% | $183,750 |
| Pierce County | 102 | 46 | 11.8% | $136,275 |
| Cedar County | 101 | 47 | 15.8% | $142,426 |
| Chase County | 98 | 47 | 16.3% | $158,980 |
| Sheridan County | 93 | 54 | 20.4% | $105,323 |
| Nance County | 93 | 50 | 15.1% | $150,699 |
| Valley County | 88 | 45 | 15.9% | $126,591 |
| Webster County | 86 | 46 | 15.1% | $128,140 |
| Nuckolls County | 85 | 42 | 23.5% | $95,706 |
| Johnson County | 84 | 47 | 10.7% | $161,071 |
| Antelope County | 79 | 44 | 16.5% | $143,354 |
| Perkins County | 78 | 48 | 7.7% | $135,641 |
| Thayer County | 70 | 39 | 17.1% | $135,000 |
| Franklin County | 70 | 38 | 14.3% | $159,286 |
| Hitchcock County | 67 | 36 | 19.4% | $100,522 |
| Harlan County | 67 | 29 | 11.9% | $194,403 |
| Thurston County | 66 | 37 | 19.7% | $166,212 |
| Pawnee County | 65 | 39 | 13.8% | $136,231 |
| Gosper County | 65 | 35 | 16.9% | $176,231 |
| Morrill County | 59 | 26 | 20.3% | $108,898 |
| Brown County | 58 | 32 | 19.0% | $96,379 |
| Sherman County | 57 | 38 | 10.5% | $133,772 |
| Deuel County | 48 | 21 | 31.3% | $122,917 |
| Frontier County | 44 | 24 | 15.9% | $164,091 |
| Garden County | 35 | 17 | 22.9% | $123,000 |
| Garfield County | 33 | 21 | 12.1% | $151,061 |
| Dundy County | 28 | 13 | 17.9% | $107,857 |
| Greeley County | 26 | 14 | 19.2% | $148,077 |
| Rock County | 23 | 10 | 21.7% | $133,696 |
| Thomas County | 17 | 8 | 17.6% | $109,118 |
| Wheeler County | 14 | 11 | 7.1% | $168,571 |
| Boyd County | 14 | 7 | 28.6% | $164,286 |
| Hayes County | 14 | 5 | 28.6% | $231,429 |
| Sioux County | 13 | 2 | 23.1% | $115,769 |
| Banner County | 12 | 7 | 16.7% | $217,500 |
| Hooker County | 11 | 5 | 18.2% | $132,273 |
| Loup County | 9 | 5 | 22.2% | $163,889 |
| Keya Paha County | 8 | 4 | 50.0% | $283,750 |
| Logan County | 7 | 4 | 28.6% | $130,714 |
| Grant County | 4 | 1 | 75.0% | $67,500 |
| Arthur County | 2 | 2 | 0.0% | $115,000 |
| McPherson County | 2 | 1 | 0.0% | $185,000 |
| Blaine County | 1 | 1 | 0.0% | $25,000 |
Metro Areas in Nebraska
Frequently Asked Questions
How many mortgage applications were filed in Nebraska?
What is the mortgage denial rate in Nebraska?
What is the average mortgage loan amount in Nebraska?
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Mortgage Lending Guides
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.
