Nebraska Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Nebraska averaged
6.86%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.71% and
one month ago for the week of 2025-04-17, the
average rate was 7.03%.
Nebraska's average rate one year ago was 6.92%.
For refis of the same type during the week of 2025-05-22, the average rate
was 6.88%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Nebraska 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Nebraska 30 Year Fixed Rate Refi | 2025-05-22 | 6.88% |
| Nebraska 15 Year Fixed Rate | 2025-05-22 | 6.57% |
| Nebraska 15 Year Fixed Rate Refi | 2025-05-22 | 6.3% |
| Nebraska 30 Year FHA | 2025-05-22 | 6.48% |
| Nebraska 30 Year FHA Refi | 2025-05-22 | 6.29% |
| Nebraska 30 Year USDA | 2025-05-22 | 6.26% |
| Nebraska 30 Year USDA Refi | 2025-05-22 | 6.33% |
| Nebraska 30 Year VA | 2025-05-22 | 6.53% |
| Nebraska 30 Year VA Refi | 2025-05-22 | 6.03% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Nebraska.
Nebraska Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Nebraska market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Nebraska Average Closing Costs & Other Stats
Nebraska's 264 lenders originated 38,270
loans during 2024. The total origination value was $8,827,660,000, with an average loan value of
$230,668.
Nebraska's average closing costs are $3,796.
The top Nebraska lender as defined by loan originations is West Gate Bank, with
1,233 loans originated. Their average total fees are
$2,742, which is $630
lower than the next largest lender,
First National Bank of Omaha.
The lowest fee Nebraska lenders (with over 10 loans originated) are
Discover Bank ($0), SIRVA MORTGAGE, INC. ($393), PREMIA MORTGAGE, LLC ($1,847), VERIDIAN CREDIT UNION ($1,990) and Exchange Bank ($2,126).
The lowest rate Nebraska lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.72%), Deere Employees Credit Union (6.07%), South Metro Federal Credit Union (6.13%), Bank of America (6.17%) and VERIDIAN CREDIT UNION (6.23%).
Nebraska Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Pinnacle Bank | $225,000 | $646,935,000 | 287,426.7% | 7.3% |
| First National Bank of Omaha | $563,140,000 | $574,850,000 | 2.1% | 6.5% |
| West Gate Bank | $264,740,000 | $403,155,000 | 52.3% | 4.6% |
| QUICKEN LOANS, LLC | $277,855,000 | $349,655,000 | 25.8% | 4.0% |
| CHARTER WEST BANK | $298,410,000 | $346,300,000 | 16.0% | 3.9% |
| Union Bank and Trust Company | $241,390,000 | $253,915,000 | 5.2% | 2.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $190,110,000 | $244,865,000 | 28.8% | 2.8% |
| Mortgage Research Center, LLC | $191,975,000 | $228,295,000 | 18.9% | 2.6% |
| VERIDIAN CREDIT UNION | $152,800,000 | $223,520,000 | 46.3% | 2.5% |
| Lincoln FSB of Nebraska | $168,815,000 | $206,555,000 | 22.4% | 2.3% |
| U.S. Bank | $161,535,000 | $163,695,000 | 1.3% | 1.9% |
| Access Bank | $105,450,000 | $142,480,000 | 35.1% | 1.6% |
| CENTRIS FEDERAL CREDIT UNION | $123,925,000 | $136,705,000 | 10.3% | 1.5% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $4,485,000 | $135,700,000 | 2,925.6% | 1.5% |
| CMG MORTGAGE, INC. | $178,270,000 | $131,735,000 | -26.1% | 1.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $111,850,000 | $119,185,000 | 6.6% | 1.4% |
| GERSHMAN INVESTMENT CORP. | $109,020,000 | $113,285,000 | 3.9% | 1.3% |
| GUARANTEED RATE, INC. | $108,365,000 | $104,520,000 | -3.5% | 1.2% |
| Core Bank | $120,410,000 | $103,100,000 | -14.4% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $59,310,000 | $101,370,000 | 70.9% | 1.1% |
| GUILD MORTGAGE COMPANY | $85,900,000 | $99,250,000 | 15.5% | 1.1% |
| CORNHUSKER BANK | $83,405,000 | $97,365,000 | 16.7% | 1.1% |
| CHURCHILL MORTGAGE CORPORATION | $33,915,000 | $93,695,000 | 176.3% | 1.1% |
| DHI MORTGAGE COMPANY, LTD. | $46,885,000 | $86,765,000 | 85.1% | 1.0% |
| Frontier Bank | $78,250,000 | $85,730,000 | 9.6% | 1.0% |
| Prosperity Home Mortgage, LLC | $103,675,000 | $83,530,000 | -19.4% | 0.9% |
| Arbor Bank | $71,940,000 | $80,485,000 | 11.9% | 0.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $70,750,000 | $78,735,000 | 11.3% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $26,000,000 | $77,755,000 | 199.1% | 0.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $10,665,000 | $76,955,000 | 621.6% | 0.9% |
| First Bank | $49,590,000 | $75,785,000 | 52.8% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $54,970,000 | $75,535,000 | 37.4% | 0.9% |
| COLLIERS MORTGAGE LLC | $75,210,000 | n/a | 0.9% | |
| Plains Commerce Bank | $53,290,000 | $71,920,000 | 35.0% | 0.8% |
| Dundee Bank | $71,000,000 | n/a | 0.8% | |
| American National Bank | $129,375,000 | $70,760,000 | -45.3% | 0.8% |
| Regent Financial Group, Inc. | $92,935,000 | $70,190,000 | -24.5% | 0.8% |
| Wells Fargo Bank | $120,925,000 | $61,045,000 | -49.5% | 0.7% |
| MORIA DEVELOPMENT, INC. | $84,100,000 | $59,820,000 | -28.9% | 0.7% |
| Exchange Bank | $65,675,000 | $59,175,000 | -9.9% | 0.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $35,155,000 | $58,780,000 | 67.2% | 0.7% |
| Five Points Bank | $53,515,000 | $58,775,000 | 9.8% | 0.7% |
| LIBERTY FIRST | $73,875,000 | $58,135,000 | -21.3% | 0.7% |
| Security First Bank | $49,720,000 | $51,400,000 | 3.4% | 0.6% |
| METRO CU | $66,395,000 | $48,735,000 | -26.6% | 0.6% |
| NEWREZ LLC | $35,710,000 | $48,300,000 | 35.3% | 0.5% |
| Cobalt Credit Union | $78,355,000 | $48,290,000 | -38.4% | 0.5% |
| Northwest Bank | $42,880,000 | $47,260,000 | 10.2% | 0.5% |
| Gateway First Bank | $48,180,000 | $46,145,000 | -4.2% | 0.5% |
| First State Bank Nebraska | $29,710,000 | $45,000,000 | 51.5% | 0.5% |
| Bankers Trust Company | $45,460,000 | $42,225,000 | -7.1% | 0.5% |
| First State Bank | $43,130,000 | $41,795,000 | -3.1% | 0.5% |
| Ally Bank | $2,745,000 | $40,625,000 | 1,380.0% | 0.5% |
| Farm Credit Mid-America, ACA | $37,120,000 | $39,905,000 | 7.5% | 0.5% |
| BERKELEY POINT CAPITAL LLC | $36,705,000 | n/a | 0.4% | |
| CITY BANK & TRUST CO. | $45,795,000 | $36,275,000 | -20.8% | 0.4% |
| Equitable Bank | $48,330,000 | $36,040,000 | -25.4% | 0.4% |
| BMO Harris Bank | $28,500,000 | $35,960,000 | 26.2% | 0.4% |
| Home Federal Savings & Loan Association of Grand Island | $23,935,000 | $35,330,000 | 47.6% | 0.4% |
| JPMorgan Chase Bank | $27,330,000 | $33,305,000 | 21.9% | 0.4% |
| Premier Bank | $17,920,000 | $32,060,000 | 78.9% | 0.4% |
| BankFirst | $30,800,000 | $31,890,000 | 3.5% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $24,190,000 | $31,360,000 | 29.6% | 0.4% |
| Flagstar Bank, FSB | $28,575,000 | $31,175,000 | 9.1% | 0.4% |
| LOANDEPOT.COM, LLC | $26,470,000 | $31,005,000 | 17.1% | 0.4% |
| CASTLE & COOKE MORTGAGE, LLC | $25,310,000 | $30,110,000 | 19.0% | 0.3% |
| FLAT BRANCH MORTGAGE, INC. | $6,275,000 | $28,390,000 | 352.4% | 0.3% |
| USAA Federal Savings Bank | $27,215,000 | $27,155,000 | -0.2% | 0.3% |
| UNION HOME MORTGAGE CORP. | $3,815,000 | $24,805,000 | 550.2% | 0.3% |
| DELMAR FINANCIAL COMPANY | $17,750,000 | $24,170,000 | 36.2% | 0.3% |
| FIRST WESTROADS BANK, INC. | $30,855,000 | $23,680,000 | -23.3% | 0.3% |
| Citizens Bank | $45,310,000 | $22,195,000 | -51.0% | 0.3% |
| Adams Bank & Trust | $21,950,000 | $21,910,000 | -0.2% | 0.2% |
| BROKER SOLUTIONS, INC. | $16,835,000 | $21,605,000 | 28.3% | 0.2% |
| FirstBank of Nebraska | $20,745,000 | $21,485,000 | 3.6% | 0.2% |
| PNC Bank | $5,630,000 | $21,055,000 | 274.0% | 0.2% |
| NBKC BANK | $15,385,000 | $20,810,000 | 35.3% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $12,945,000 | $19,750,000 | 52.6% | 0.2% |
| First Interstate Bank | $25,685,000 | $19,730,000 | -23.2% | 0.2% |
| Discover Bank | $15,945,000 | $18,405,000 | 15.4% | 0.2% |
| WALKER & DUNLOP, LLC | $4,945,000 | $18,335,000 | 270.8% | 0.2% |
| Bank of America | $20,215,000 | $18,270,000 | -9.6% | 0.2% |
| Nebraska Bank of Commerce | $15,925,000 | $18,045,000 | 13.3% | 0.2% |
| Bank of Bennington | $15,020,000 | $16,810,000 | 11.9% | 0.2% |
| COMMUNITY STATE BANK | $16,595,000 | n/a | 0.2% | |
| First Nebraska Bank | $13,005,000 | $16,365,000 | 25.8% | 0.2% |
| FOUR POINTS | $6,900,000 | $15,520,000 | 124.9% | 0.2% |
| CATTLE BANK & TRUST | $28,915,000 | $15,140,000 | -47.6% | 0.2% |
| Security National Bank of Omaha | $19,245,000 | $14,830,000 | -22.9% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $7,535,000 | $14,615,000 | 94.0% | 0.2% |
| NEW DAY FINANCIAL, LLC | $9,235,000 | $14,355,000 | 55.4% | 0.2% |
| Cornerstone Bank | $17,485,000 | $14,270,000 | -18.4% | 0.2% |
| IOWA BANKERS MORTGAGE CORPORATION | $12,455,000 | $13,995,000 | 12.4% | 0.2% |
| The Federal Savings Bank | $11,035,000 | $13,955,000 | 26.5% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $2,470,000 | $13,490,000 | 446.2% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $4,955,000 | $13,405,000 | 170.5% | 0.2% |
| Washington County Bank | $20,335,000 | $13,375,000 | -34.2% | 0.2% |
| PLANET HOME LENDING, LLC | $1,540,000 | $12,625,000 | 719.8% | 0.1% |
| Heritage Bank | $185,000 | $12,365,000 | 6,583.8% | 0.1% |
| Central National Bank | $12,250,000 | $12,060,000 | -1.6% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $295,000 | $11,070,000 | 3,652.5% | 0.1% |
| Financial Funding Solutions, Inc. | $9,665,000 | $10,970,000 | 13.5% | 0.1% |
| State Bank of Table Rock | $9,320,000 | $10,880,000 | 16.7% | 0.1% |
| Foundation One Bank | $11,570,000 | $10,765,000 | -7.0% | 0.1% |
| GREYSTONE SERVICING COMPANY LLC | $39,030,000 | $10,730,000 | -72.5% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $9,040,000 | $10,655,000 | 17.9% | 0.1% |
| FirsTier Bank | $2,755,000 | $10,615,000 | 285.3% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $12,630,000 | $10,435,000 | -17.4% | 0.1% |
| Central Bank | $8,790,000 | $10,415,000 | 18.5% | 0.1% |
| Carrington Mortgage Services, LLC | $5,415,000 | $9,915,000 | 83.1% | 0.1% |
| Morgan Stanley Private Bank | $11,540,000 | $9,665,000 | -16.2% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $15,735,000 | $9,455,000 | -39.9% | 0.1% |
| Farmers and Merchants Bank of Ashland | $7,120,000 | $9,300,000 | 30.6% | 0.1% |
| Figure Lending LLC | $6,430,000 | $9,290,000 | 44.5% | 0.1% |
| Pathway Bank | $3,300,000 | $9,145,000 | 177.1% | 0.1% |
| JONES BANK | $10,205,000 | $9,105,000 | -10.8% | 0.1% |
| V.I.P. MORTGAGE, INC. | $1,135,000 | $9,000,000 | 693.0% | 0.1% |
| CBRE MULTIFAMILY CAPITAL, INC. | $11,055,000 | $8,435,000 | -23.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $4,080,000 | $8,315,000 | 103.8% | 0.1% |
| First Federal Bank | $3,235,000 | $8,145,000 | 151.8% | 0.1% |
| 21ST MORTGAGE CORPORATION | $6,555,000 | $7,960,000 | 21.4% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $9,960,000 | $7,910,000 | -20.6% | 0.1% |
| ORIX REAL ESTATE CAPITAL, LLC | $7,475,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $4,995,000 | $7,315,000 | 46.4% | 0.1% |
| FIRST NEBRASKA Credit Union | $10,270,000 | $7,170,000 | -30.2% | 0.1% |
| BETTER MORTGAGE CORPORATION | $6,180,000 | $7,095,000 | 14.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $4,035,000 | $6,885,000 | 70.6% | 0.1% |
| ARCHER COOPERATIVE CREDIT UNION | $4,920,000 | $6,745,000 | 37.1% | 0.1% |
| Cedar Rapids Bank and Trust Company | $74,420,000 | $6,675,000 | -91.0% | 0.1% |
| Servion, Inc. | $5,410,000 | $6,655,000 | 23.0% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $5,125,000 | $6,590,000 | 28.6% | 0.1% |
| Coastal Community Bank | $5,315,000 | $6,570,000 | 23.6% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $5,095,000 | $6,490,000 | 27.4% | 0.1% |
| PREMIA MORTGAGE, LLC | $5,475,000 | $6,405,000 | 17.0% | 0.1% |
| Deere Employees Credit Union | $5,525,000 | $6,100,000 | 10.4% | 0.1% |
| Availa Bank | $3,080,000 | $6,010,000 | 95.1% | 0.1% |
| EVERETT FINANCIAL, INC. | $2,275,000 | $5,855,000 | 157.4% | 0.1% |
| Wahoo State Bank | $8,240,000 | $5,690,000 | -30.9% | 0.1% |
| Primebank | $5,960,000 | $5,455,000 | -8.5% | 0.1% |
| TOWNE MORTGAGE COMPANY | $830,000 | $5,360,000 | 545.8% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,815,000 | $5,305,000 | 192.3% | 0.1% |
| PHH Mortgage Corporation | $1,585,000 | $5,250,000 | 231.2% | 0.1% |
| LPS Employees Federal Credit Union | $4,480,000 | $5,150,000 | 15.0% | 0.1% |
| SIOUXLAND FEDERAL CREDIT UNION | $6,520,000 | $5,145,000 | -21.1% | 0.1% |
| AMERICAN FINANCING CORPORATION | $2,250,000 | $4,960,000 | 120.4% | 0.1% |
| UMB Bank | $3,365,000 | $4,840,000 | 43.8% | 0.1% |
| TruHome Solutions, LLC | $4,675,000 | $4,795,000 | 2.6% | 0.1% |
| UBS Bank USA | $1,825,000 | $4,735,000 | 159.5% | 0.1% |
| GREENSTATE CREDIT UNION | $6,295,000 | $4,645,000 | -26.2% | 0.1% |
| Points West Community Bank | $3,400,000 | $4,550,000 | 33.8% | 0.1% |
| CLEARPATH LENDING | $2,015,000 | $4,535,000 | 125.1% | 0.1% |
| First Savings Bank | $565,000 | $4,410,000 | 680.5% | 0.0% |
| NexBank | $4,340,000 | n/a | 0.0% | |
| Truist | $1,220,000 | $4,325,000 | 254.5% | 0.0% |
| SIRVA MORTGAGE, INC. | $3,880,000 | $4,070,000 | 4.9% | 0.0% |
| The Loan Store, Inc. | $4,035,000 | n/a | 0.0% | |
| First-Citizens Bank & Trust Company | $11,965,000 | $3,915,000 | -67.3% | 0.0% |
| Farmers and Merchants Bank | $3,855,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $2,460,000 | $3,815,000 | 55.1% | 0.0% |
| Equity Prime Mortgage LLC | $430,000 | $3,730,000 | 767.4% | 0.0% |
| Northpointe Bank | $1,455,000 | $3,675,000 | 152.6% | 0.0% |
| Equity Bank | $3,520,000 | n/a | 0.0% | |
| Arvest Bank | $1,690,000 | $3,395,000 | 100.9% | 0.0% |
| Legacy Bank & Trust Company | $3,275,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $395,000 | $3,270,000 | 727.8% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $2,990,000 | $3,165,000 | 5.9% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,780,000 | $3,000,000 | 7.9% | 0.0% |
| LENDINGONE, LLC | $200,000 | $2,900,000 | 1,350.0% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $4,200,000 | $2,855,000 | -32.0% | 0.0% |
| Bank of Dixon County | $2,980,000 | $2,845,000 | -4.5% | 0.0% |
| BERKADIA COMMERCIAL MORTGAGE LLC | $2,245,000 | $2,845,000 | 26.7% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,695,000 | $2,840,000 | 67.6% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $970,000 | $2,790,000 | 187.6% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $2,765,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $245,000 | $2,750,000 | 1,022.4% | 0.0% |
| Farmers Bank & Trust | $2,200,000 | $2,740,000 | 24.5% | 0.0% |
| Peoples Bank | $370,000 | $2,705,000 | 631.1% | 0.0% |
| KELLOGG MIDWEST FEDERAL CREDIT UNION | $2,825,000 | $2,665,000 | -5.7% | 0.0% |
| OMAHA POLICE FEDERAL CREDIT UNION | $1,860,000 | $2,600,000 | 39.8% | 0.0% |
| Magnolia Bank | $1,580,000 | $2,500,000 | 58.2% | 0.0% |
| Armed Forces Bank | $1,040,000 | $2,495,000 | 139.9% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,055,000 | $2,475,000 | 134.6% | 0.0% |
| Community Mortgage Banc Corporation | $2,195,000 | $2,465,000 | 12.3% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $5,595,000 | $2,445,000 | -56.3% | 0.0% |
| SPRING EQ, LLC | $1,405,000 | $2,385,000 | 69.8% | 0.0% |
| Old National Bank | $365,000 | $2,380,000 | 552.1% | 0.0% |
| OMAHA FEDERAL CREDIT UNION | $1,425,000 | $2,380,000 | 67.0% | 0.0% |
| Bank of Colorado | $3,970,000 | $2,315,000 | -41.7% | 0.0% |
| AmeriHome Mortgage Company, LLC | $1,210,000 | $2,305,000 | 90.5% | 0.0% |
| Great Southern Bank | $2,815,000 | $2,305,000 | -18.1% | 0.0% |
| ALLIANT CREDIT UNION | $245,000 | $2,300,000 | 838.8% | 0.0% |
| University of Nebraska Federal Credit Union | $2,215,000 | $2,225,000 | 0.5% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $1,305,000 | $2,095,000 | 60.5% | 0.0% |
| Stifel Bank and Trust | $630,000 | $2,035,000 | 223.0% | 0.0% |
| Raymond James Bank | $2,205,000 | $2,030,000 | -7.9% | 0.0% |
| F&M Bank | $4,575,000 | $2,010,000 | -56.1% | 0.0% |
| First Dakota National Bank | $755,000 | $2,000,000 | 164.9% | 0.0% |
| Meridian Trust Federal Credit Union | $4,150,000 | $1,945,000 | -53.1% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $1,170,000 | $1,930,000 | 65.0% | 0.0% |
| First National Bank of America | $1,695,000 | $1,925,000 | 13.6% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,555,000 | $1,910,000 | 22.8% | 0.0% |
| Heritage Bank | $185,000 | $1,905,000 | 929.7% | 0.0% |
| South Metro Federal Credit Union | $2,700,000 | $1,905,000 | -29.4% | 0.0% |
| RCN Capital, LLC | $1,985,000 | $1,870,000 | -5.8% | 0.0% |
| Baxter Credit Union | $1,450,000 | $1,710,000 | 17.9% | 0.0% |
| Bell Bank | $1,925,000 | $1,710,000 | -11.2% | 0.0% |
| Wallick & Volk, Inc. | $490,000 | $1,710,000 | 249.0% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $710,000 | $1,670,000 | 135.2% | 0.0% |
| Ixonia Bank | $1,115,000 | $1,660,000 | 48.9% | 0.0% |
| Members Mortgage Services, L.L.C. | $280,000 | $1,610,000 | 475.0% | 0.0% |
| NEXERA HOLDING LLC | $1,780,000 | $1,580,000 | -11.2% | 0.0% |
| BANKWEST, INC. | $470,000 | $1,520,000 | 223.4% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $730,000 | $1,495,000 | 104.8% | 0.0% |
| Bethpage Federal Credit Union | $610,000 | $1,490,000 | 144.3% | 0.0% |
| INTERCAP LENDING INC. | $185,000 | $1,490,000 | 705.4% | 0.0% |
| CENTENNIAL LENDING, LLC | $2,230,000 | $1,465,000 | -34.3% | 0.0% |
| The Security National Bank of Sioux City, Iowa | $2,320,000 | $1,465,000 | -36.9% | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | $1,965,000 | $1,440,000 | -26.7% | 0.0% |
| Quontic Bank | $1,430,000 | n/a | 0.0% | |
| Dacotah Bank | $590,000 | $1,385,000 | 134.7% | 0.0% |
| M&T Bank | $1,105,000 | $1,365,000 | 23.5% | 0.0% |
| Merchants Bank | $840,000 | $1,355,000 | 61.3% | 0.0% |
| First Western Trust Bank | $115,000 | $1,345,000 | 1,069.6% | 0.0% |
| First International Bank & Trust | $175,000 | $1,320,000 | 654.3% | 0.0% |
| The Huntington National Bank | $5,035,000 | $1,310,000 | -74.0% | 0.0% |
| Devon Bank | $1,300,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $2,080,000 | $1,295,000 | -37.7% | 0.0% |
| BELEM SERVICING LLC | $675,000 | $1,290,000 | 91.1% | 0.0% |
| MUTUAL FIRST | $2,980,000 | $1,280,000 | -57.0% | 0.0% |
| Citibank | $1,365,000 | $1,265,000 | -7.3% | 0.0% |
| Fifth Third Bank | $760,000 | $1,260,000 | 65.8% | 0.0% |
| Renasant Bank | $1,290,000 | $1,240,000 | -3.9% | 0.0% |
| Emprise Bank | $13,690,000 | $1,230,000 | -91.0% | 0.0% |
| Oakstar Bank | $2,160,000 | $1,225,000 | -43.3% | 0.0% |
| Grand Bank for Savings, FSB | $1,010,000 | $1,220,000 | 20.8% | 0.0% |
| Granite Community Bank | $1,220,000 | n/a | 0.0% | |
| Brighton Bank | $1,210,000 | n/a | 0.0% | |
| Midwest Heritage Bank FSB | $2,405,000 | $1,210,000 | -49.7% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,205,000 | n/a | 0.0% | |
| The Central Trust Bank | $1,705,000 | $1,205,000 | -29.3% | 0.0% |
| LENDSURE MORTGAGE CORP. | $710,000 | $1,195,000 | 68.3% | 0.0% |
| S1L, Inc. | $1,190,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $2,310,000 | $1,150,000 | -50.2% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $95,000 | $1,135,000 | 1,094.7% | 0.0% |
| NBH Bank | $1,600,000 | $1,090,000 | -31.9% | 0.0% |
| City National Bank | $1,370,000 | $1,045,000 | -23.7% | 0.0% |
| FCB Banks | $840,000 | $1,030,000 | 22.6% | 0.0% |
| FIRST TECHNOLOGY | $1,005,000 | n/a | 0.0% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $885,000 | $1,000,000 | 13.0% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $345,000 | $995,000 | 188.4% | 0.0% |
| Merchants Bank of Indiana | $49,435,000 | $985,000 | -98.0% | 0.0% |
| DIGITAL Federal Credit Union | $4,745,000 | $970,000 | -79.6% | 0.0% |
| Cornerstone First Mortgage, Inc | $480,000 | $965,000 | 101.0% | 0.0% |
| American State Bank | $625,000 | $960,000 | 53.6% | 0.0% |
| BAY EQUITY LLC | $5,255,000 | $935,000 | -82.2% | 0.0% |
| BOKF | $930,000 | n/a | 0.0% | |
| Think Mutual Bank | $475,000 | $930,000 | 95.8% | 0.0% |
| Axos Bank | $665,000 | $925,000 | 39.1% | 0.0% |
| EVANSVILLE TEACHERS | $920,000 | n/a | 0.0% | |
| Academy Bank | $365,000 | $900,000 | 146.6% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $580,000 | $865,000 | 49.1% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $3,105,000 | $830,000 | -73.3% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $825,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $270,000 | $810,000 | 200.0% | 0.0% |
| OCMBC, INC. | $615,000 | $810,000 | 31.7% | 0.0% |
| CORTRUST MORTGAGE, INC. | $860,000 | $795,000 | -7.6% | 0.0% |
| Waterstone Mortgage Corporation | $1,910,000 | $770,000 | -59.7% | 0.0% |
| T2 FINANCIAL LLC | $715,000 | $760,000 | 6.3% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $730,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $740,000 | $685,000 | -7.4% | 0.0% |
| OAKTREE FUNDING CORP. | $680,000 | n/a | 0.0% | |
| Platte Valley Bank | $215,000 | $675,000 | 214.0% | 0.0% |
| First United Bank and Trust Company | $15,000 | $670,000 | 4,366.7% | 0.0% |
| Glenwood State Bank | $1,340,000 | $670,000 | -50.0% | 0.0% |
| Pinnacle Bank - Wyoming | $425,000 | $670,000 | 57.6% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $660,000 | n/a | 0.0% | |
| PREMIER MEMBERS CREDIT UNION | $255,000 | $650,000 | 154.9% | 0.0% |
| FIRST WESTERN MORTGAGE, INC. | $515,000 | $645,000 | 25.2% | 0.0% |
| Community First National Bank | $740,000 | $635,000 | -14.2% | 0.0% |
| Flanagan State Bank | $1,990,000 | $635,000 | -68.1% | 0.0% |
| First Horizon Bank | $55,000 | $615,000 | 1,018.2% | 0.0% |
| The Nodaway Valley Bank | $445,000 | $615,000 | 38.2% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $615,000 | $610,000 | -0.8% | 0.0% |
| SWBC MORTGAGE CORPORATION | $610,000 | n/a | 0.0% | |
| SPIRE Credit Union | $605,000 | n/a | 0.0% | |
| Bank Iowa | $155,000 | $585,000 | 277.4% | 0.0% |
| CHEVRON | $45,000 | $565,000 | 1,155.6% | 0.0% |
| SOUTHWEST FUNDING, LP | $565,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $560,000 | n/a | 0.0% | |
| NFM, INC. | $1,400,000 | $555,000 | -60.4% | 0.0% |
| First National Bank | $545,000 | $550,000 | 0.9% | 0.0% |
| THRIVENT Federal Credit Union | $215,000 | $550,000 | 155.8% | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $545,000 | n/a | 0.0% | |
| Service Federal Credit Union | $35,000 | $535,000 | 1,428.6% | 0.0% |
| TJC Mortgage, Inc. | $535,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,345,000 | $530,000 | -60.6% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $1,140,000 | $520,000 | -54.4% | 0.0% |
| COLORADO CREDIT UNION | $55,000 | $505,000 | 818.2% | 0.0% |
| INB | $245,000 | $505,000 | 106.1% | 0.0% |
| Toyota Financial Savings Bank | $550,000 | $505,000 | -8.2% | 0.0% |
| Peoples Bank | $370,000 | $500,000 | 35.1% | 0.0% |
| Allied First Bank,sb | $255,000 | $495,000 | 94.1% | 0.0% |
| Fortress Bank | $490,000 | n/a | 0.0% | |
| Bank of Springfield | $760,000 | $485,000 | -36.2% | 0.0% |
| Choice Financial Group | $325,000 | $485,000 | 49.2% | 0.0% |
| Connexus Credit Union | $205,000 | $485,000 | 136.6% | 0.0% |
| First National Bank of Central Texas | $475,000 | n/a | 0.0% | |
| EQUITABLE SAVINGS AND LOAN ASSOCIATION | $465,000 | $460,000 | -1.1% | 0.0% |
| The State Bank | $455,000 | n/a | 0.0% | |
| BLACK HILLS FEDERAL CREDIT UNION | $205,000 | $450,000 | 119.5% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $595,000 | $445,000 | -25.2% | 0.0% |
| EMBRACE HOME LOANS, INC. | $1,370,000 | $440,000 | -67.9% | 0.0% |
| First Bank & Trust | $1,010,000 | $440,000 | -56.4% | 0.0% |
| Citadel Servicing Corporation | $1,415,000 | $430,000 | -69.6% | 0.0% |
| MY MORTGAGE, INC. | $430,000 | n/a | 0.0% | |
| Nicolet National Bank | $430,000 | n/a | 0.0% | |
| Exchange Bank & Trust | $415,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $235,000 | $415,000 | 76.6% | 0.0% |
| A&D Mortgage LLC | $2,210,000 | $405,000 | -81.7% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $405,000 | n/a | 0.0% | |
| PERFORMANCE EQUITY PARTNERS, INC. | $180,000 | $395,000 | 119.4% | 0.0% |
| Telco Triad Community Credit Union | $685,000 | $390,000 | -43.1% | 0.0% |
| GEORGIA'S OWN | $655,000 | $380,000 | -42.0% | 0.0% |
| MID AMERICAN | $375,000 | n/a | 0.0% | |
| RCB Bank | $375,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $530,000 | $375,000 | -29.2% | 0.0% |
| GENEVA FINANCIAL, LLC | $565,000 | $370,000 | -34.5% | 0.0% |
| Mortgage Investment Services Corporation | $370,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $365,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $365,000 | n/a | 0.0% | |
| Pioneer Bank | $75,000 | $365,000 | 386.7% | 0.0% |
| Capital Bank | $360,000 | n/a | 0.0% | |
| Landmark National Bank | $590,000 | $340,000 | -42.4% | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | $335,000 | n/a | 0.0% | |
| Independent Bank | $720,000 | $335,000 | -53.5% | 0.0% |
| Midstates Bank | $1,400,000 | $335,000 | -76.1% | 0.0% |
| Stride Bank | $415,000 | $335,000 | -19.3% | 0.0% |
| Sunflower Bank | $265,000 | $335,000 | 26.4% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $75,000 | $330,000 | 340.0% | 0.0% |
| LIMA ONE CAPITAL, LLC | $555,000 | $330,000 | -40.5% | 0.0% |
| PEOPLES STATE BANK | $115,000 | $330,000 | 187.0% | 0.0% |
| Fidelity Bank | $320,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $315,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $355,000 | $315,000 | -11.3% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $645,000 | $315,000 | -51.2% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $835,000 | $315,000 | -62.3% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $295,000 | n/a | 0.0% | |
| Cornerstone National Bank & Trust Company | $295,000 | n/a | 0.0% | |
| First Savings Bank | $565,000 | $295,000 | -47.8% | 0.0% |
| Lincoln Savings Bank | $295,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $290,000 | n/a | 0.0% | |
| Chambers Bank | $285,000 | n/a | 0.0% | |
| Community National Bank | $320,000 | $285,000 | -10.9% | 0.0% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $285,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $575,000 | $285,000 | -50.4% | 0.0% |
| TOGETHER CREDIT UNION | $405,000 | $285,000 | -29.6% | 0.0% |
| Glacier Bank | $155,000 | $280,000 | 80.6% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $105,000 | $280,000 | 166.7% | 0.0% |
| Bank | $275,000 | n/a | 0.0% | |
| Community State Bank | $275,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $275,000 | n/a | 0.0% | |
| GARDNER FINANCIAL SERVICES, LTD. | $275,000 | n/a | 0.0% | |
| Gate City Bank | $225,000 | $275,000 | 22.2% | 0.0% |
| Bank of Whittier | $385,000 | $265,000 | -31.2% | 0.0% |
| United States Senate Federal Credit Union | $260,000 | n/a | 0.0% | |
| American Bank and Trust Company | $255,000 | n/a | 0.0% | |
| Assurance Financial Group, L.L.C. | $255,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $445,000 | $255,000 | -42.7% | 0.0% |
| Lake Forest Bank & Trust | $255,000 | n/a | 0.0% | |
| Logan Finance Corporation | $300,000 | $255,000 | -15.0% | 0.0% |
| TENNESSEE VALLEY | $255,000 | n/a | 0.0% | |
| ILLINOIS STATE CREDIT UNION | $245,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $225,000 | $245,000 | 8.9% | 0.0% |
| Security First Bank of North Dakota | $245,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $245,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $240,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $240,000 | n/a | 0.0% | |
| Centra Credit Union | $235,000 | n/a | 0.0% | |
| FRONTIER FINANCIAL, INC. | $235,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $235,000 | n/a | 0.0% | |
| FirstBank | $325,000 | $225,000 | -30.8% | 0.0% |
| Franklin Loan Corporation | $135,000 | $225,000 | 66.7% | 0.0% |
| Northwest Federal Credit Union | $205,000 | $225,000 | 9.8% | 0.0% |
| First PREMIER Bank | $425,000 | $215,000 | -49.4% | 0.0% |
| Royal Credit Union | $215,000 | n/a | 0.0% | |
| South State Bank | $215,000 | n/a | 0.0% | |
| United Nations Federal Credit Union | $215,000 | n/a | 0.0% | |
| American Bank & Trust | $570,000 | $205,000 | -64.0% | 0.0% |
| Chickasaw Community Bank | $2,920,000 | $205,000 | -93.0% | 0.0% |
| Quad City Bank and Trust Company | $205,000 | n/a | 0.0% | |
| Texana Bank | $205,000 | n/a | 0.0% | |
| MidFirst Bank | $345,000 | $200,000 | -42.0% | 0.0% |
| United Bank of Iowa | $280,000 | $195,000 | -30.4% | 0.0% |
| First National Bank Of Oklahoma | $175,000 | $185,000 | 5.7% | 0.0% |
| MASSMUTUAL | $185,000 | n/a | 0.0% | |
| KINECTA | $225,000 | $175,000 | -22.2% | 0.0% |
| North American Savings Bank, F.S.B. | $1,375,000 | $175,000 | -87.3% | 0.0% |
| Bank Midwest | $165,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $165,000 | $165,000 | 0.0% | 0.0% |
| ServisFirst Bank | $165,000 | n/a | 0.0% | |
| INOVA FEDERAL CREDIT UNION | $160,000 | n/a | 0.0% | |
| Southwest Airlines Federal Credit Union | $160,000 | n/a | 0.0% | |
| SeaTrust Mortgage Company | $225,000 | $155,000 | -31.1% | 0.0% |
| First State Bank of St. Charles, Missouri | $750,000 | $145,000 | -80.7% | 0.0% |
| Secured Investment Corp. | $125,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $165,000 | $120,000 | -27.3% | 0.0% |
| BancorpSouth | $375,000 | $115,000 | -69.3% | 0.0% |
| SERVICE FIRST FEDERAL CREDIT UNION | $115,000 | n/a | 0.0% | |
| SILVER HILL FUNDING, LLC | $1,245,000 | $115,000 | -90.8% | 0.0% |
| THOMPSON KANE & COMPANY, LLC | $105,000 | $115,000 | 9.5% | 0.0% |
| Hometown Equity Mortgage, LLC | $210,000 | $105,000 | -50.0% | 0.0% |
| Mid-America Bank | $175,000 | $105,000 | -40.0% | 0.0% |
| CBI Bank & Trust | $295,000 | $85,000 | -71.2% | 0.0% |
| Commercial Lender LLC | $655,000 | $85,000 | -87.0% | 0.0% |
| CONSTRUCTIVE LOANS, LLC | $105,000 | $85,000 | -19.0% | 0.0% |
| CorTrust Bank | $1,635,000 | $85,000 | -94.8% | 0.0% |
| Farmers State Bank | $75,000 | n/a | 0.0% | |
| Regions Bank | $295,000 | $75,000 | -74.6% | 0.0% |
| United Bank & Trust | $75,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $365,000 | $75,000 | -79.5% | 0.0% |
| FIRST HERITAGE BANK | $155,000 | $65,000 | -58.1% | 0.0% |
| Premier Credit Union | $65,000 | n/a | 0.0% | |
| Stockgrowers State Bank | $65,000 | n/a | 0.0% | |
| Chartwell Financial, LLC | $70,000 | $60,000 | -14.3% | 0.0% |
| Capitol Federal Savings Bank | $33,500,000 | $55,000 | -99.8% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $15,000 | $55,000 | 266.7% | 0.0% |
| United Community Bank | $35,000 | $55,000 | 57.1% | 0.0% |
| ASSEMBLIES OF GOD Credit Union | $165,000 | $45,000 | -72.7% | 0.0% |
| Community Bank | $45,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $140,000 | $35,000 | -75.0% | 0.0% |
| Elements Financial Federal Credit Union | $85,000 | $35,000 | -58.8% | 0.0% |
| UNITED | $25,000 | n/a | 0.0% | |
| VOYAGE FEDERAL CREDIT UNION | $25,000 | n/a | 0.0% |
Nebraska's top lender by overall market share is Pinnacle Bank, with 7.3% market share. In second place, with 6.5%, is First National Bank of Omaha, having originated $574,850,000 in loans. In third place, with 4.6%, is West Gate Bank, having originated $403,155,000 in loans. In fourth place, with 4.0%, is QUICKEN LOANS, LLC, having originated $349,655,000 in loans. In fifth place, with 3.9%, is CHARTER WEST BANK, having originated $346,300,000 in loans.
Nebraska Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 22,931 | $6,364,135,000 | $277,534 |
| Refi | 4,595 | $1,127,235,000 | $245,318 |
| Cash Out Refi | 3,872 | $738,700,000 | $190,780 |
| Other | 3,487 | $355,885,000 | $102,061 |
| Home Improvement | 3,384 | $241,360,000 | $71,324 |
| NA | 1 | $345,000 | $345,000 |
Nebraska's most frequently cited loan purpose was Home Purchase, with 22,931 originations. The 2nd most popular reason was Refi, with 4,595 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 15,461 | $3,997,775,000 | $258,572 |
| 7-8% | 7,120 | $1,730,440,000 | $243,039 |
| Over 8% | 5,770 | $700,590,000 | $121,419 |
| 5-6% | 4,776 | $1,491,510,000 | $312,293 |
| <2.5% | 1,258 | $19,850,000 | $15,779 |
| 4-5% | 280 | $131,310,000 | $468,964 |
| 3-4% | 106 | $18,410,000 | $173,679 |
| 2.5-3% | 53 | $11,235,000 | $211,981 |
During 2024, Nebraska's most frequently originated rate bucket was 6-7%, with 15,461 originations.
Loan Sizing (Nebraska MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 13,716 | $3,828,110,000 | $279,098 |
| $100,000 or less | 10,900 | $539,360,000 | $49,483 |
| $100k-200k | 9,902 | $1,486,090,000 | $150,080 |
| $400k-600k | 2,727 | $1,285,995,000 | $471,579 |
| $600k-1000k | 791 | $561,945,000 | $710,424 |
| $Over $1MM | 234 | $1,126,160,000 | $4,812,650 |
Nebraska's loan sizing saw the bucket of loans from $200k-400k with 13,716 originations, totaling $3,828,110,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 13,763 | $3,815,405,000 | $277,222 |
| 60-80% | 6,941 | $2,388,965,000 | $344,182 |
| Under 20% | 5,906 | $282,610,000 | $47,851 |
| 20-40% | 4,174 | $503,180,000 | $120,551 |
| 40-60% | 2,930 | $788,860,000 | $269,235 |
| Over 100% | 516 | $199,470,000 | $386,570 |
Nebraska's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 13,763 originations, totaling $3,815,405,000 in origination value.