Dayspring Bank
Dayspring Bank received 366 applications in 2025 and made 305 mortgages, in 40 counties across 13 states. The median rate its borrowers got was 6.750% on a median loan of $165,000. Of 338 decisions, 19 were denials — 5.6%, most often for collateral.
| Legal Entity Identifier | 549300OYN1WD4APNOU82 |
|---|---|
| Applications received | 366 |
| Mortgages made | 305 |
| Denied | 19 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 28 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.014 points |
| FDIC-insured bank | Yes: Dayspring Bank, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 224 | 6.750% | $175,000 | 5.4% |
| Refinancing | 45 | 7.750% | $145,000 | 1.8% |
| Cash-out refinancing | 21 | 6.750% | $175,000 | 12.5% |
| Other purposes | 15 | 8.000% | $45,000 | 11.1% |
Where Dayspring Bank lends most
The 40 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Douglas County, NE | 116 | 7.500% | 1.6% |
| Lincoln County, NE | 88 | 6.500% | 11.0% |
| Dawson County, NE | 24 | 6.500% | 10.7% |
| Pottawattamie County, IA | 14 | 7.750% | 0.0% |
| Sarpy County, NE | 12 | 6.688% | 7.1% |
| Cass County, NE | 5 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 4 | Under 10 loans | 0.0% |
| Frontier County, NE | 4 | Under 10 loans | 20.0% |
| Lancaster County, NE | 4 | Under 10 loans | 0.0% |
| Custer County, NE | 2 | Under 10 loans | 33.3% |
| Dodge County, NE | 2 | Under 10 loans | 0.0% |
| Hooker County, NE | 2 | Under 10 loans | 0.0% |
| Keith County, NE | 2 | Under 10 loans | 0.0% |
| Logan County, NE | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| Morgan County, CO | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Mills County, IA | 1 | Under 10 loans | 0.0% |
| Polk County, IA | 1 | Under 10 loans | 0.0% |
| Union County, IA | 1 | Under 10 loans | 0.0% |
| Leavenworth County, KS | 1 | Under 10 loans | 0.0% |
| DeSoto County, MS | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Box Butte County, NE | 1 | Under 10 loans | 0.0% |
| Burt County, NE | 1 | Under 10 loans | 0.0% |
| Clay County, NE | 1 | Under 10 loans | 0.0% |
| Gosper County, NE | 1 | Under 10 loans | 0.0% |
| Perkins County, NE | 1 | Under 10 loans | 0.0% |
| Red Willow County, NE | 1 | Under 10 loans | 0.0% |
| Valley County, NE | 1 | Under 10 loans | 0.0% |
| Washington County, NE | 1 | Under 10 loans | 0.0% |
| Carteret County, NC | 1 | Under 10 loans | 0.0% |
| Multnomah County, OR | 1 | Under 10 loans | 0.0% |
| Hidalgo County, TX | 1 | Under 10 loans | 0.0% |
| Chaffee County, CO | 0 | Under 10 loans | 0.0% |
| Saunders County, NE | 0 | Under 10 loans | Not published |
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When Dayspring Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.