Refinancing lenders in Douglas County
2,228 refinancing mortgages were made in Douglas County, Nebraska, in 2025, by 230 lenders. The median rate their borrowers got was 6.375% on a median loan of $225,000. Of 2,749 decisions, 384 were denials — 14.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First National Bank of Omaha | 199 | 7.840% | $95,000 | 21.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 145 | 5.625% | $315,000 | 10.7% |
| VERIDIAN CREDIT UNION | 142 | 6.490% | $110,000 | 7.8% |
| Rocket Mortgage, LLC | 128 | 5.990% | $265,000 | 21.3% |
| CENTRIS | 116 | 6.500% | $105,000 | 25.8% |
| Pinnacle Bank | 72 | 7.000% | $185,000 | 2.7% |
| Cobalt Credit Union | 69 | 7.240% | $75,000 | 6.8% |
| FREEDOM MORTGAGE CORPORATION | 57 | 6.250% | $275,000 | 2.9% |
| PENNYMAC LOAN SERVICES, LLC | 52 | 5.990% | $285,000 | 11.9% |
| CHARTER WEST BANK | 45 | 6.750% | $235,000 | 10.0% |
| Frontier Bank | 35 | 7.000% | $260,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 34 | 6.125% | $255,000 | 4.9% |
| Dundee Bank | 34 | 7.000% | $205,000 | 0.0% |
| Core Bank | 33 | 6.125% | $285,000 | 0.0% |
| Arbor Bank | 30 | Not published | $240,000 | 0.0% |
| Union Bank and Trust Company | 30 | 6.563% | $245,000 | 8.8% |
| WEST GATE BANK | 29 | 6.000% | $275,000 | 22.7% |
| Security National Bank of Omaha | 28 | Not published | $130,000 | 8.6% |
| Northwest Bank | 27 | 5.000% | $255,000 | 0.0% |
| Access Bank | 26 | 6.250% | $270,000 | 7.1% |
| NEWREZ LLC | 23 | 5.990% | $335,000 | 40.5% |
| U.S. Bank National Association | 23 | 6.625% | $255,000 | 23.3% |
| METRO CU | 23 | 4.875% | $305,000 | 14.3% |
| Dayspring Bank | 22 | 7.750% | $170,000 | 3.5% |
| Mortgage Research Center, LLC | 21 | 5.750% | $285,000 | 33.3% |
| GUARANTEED RATE, INC. | 21 | 6.125% | $305,000 | 0.0% |
| Premier Bank | 21 | Not published | $275,000 | 4.4% |
| CMG MORTGAGE, INC. | 20 | 6.988% | $170,000 | 11.1% |
| Lincoln FSB of Nebraska | 19 | 6.000% | $275,000 | 9.5% |
| REGENT FINANCIAL GROUP, INC. | 19 | 5.990% | $295,000 | 0.0% |
| First Bank | 18 | 6.375% | $245,000 | 0.0% |
| American National Bank | 17 | 8.000% | $95,000 | 10.5% |
| NATIONSTAR MORTGAGE LLC | 17 | 5.990% | $255,000 | 5.3% |
| Citizens Bank, National Association | 17 | 6.490% | $285,000 | 5.6% |
| Foundation One Bank | 16 | Not published | $110,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 5.990% | $325,000 | 11.1% |
| CHURCHILL MORTGAGE CORPORATION | 15 | 5.990% | $315,000 | 5.3% |
| UNION HOME MORTGAGE CORP. | 15 | 5.990% | $285,000 | 0.0% |
| Exchange Bank | 15 | 7.000% | $155,000 | 6.3% |
| Western National Bank | 15 | Not published | $125,000 | 0.0% |
| Loandepot.Com, LLC | 14 | 6.125% | $255,000 | 22.2% |
| Security First Bank | 14 | 7.000% | $120,000 | 0.0% |
| CORNHUSKER BANK | 13 | Not published | $145,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.125% | $315,000 | 0.0% |
| I3 Bank | 13 | Not published | $215,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 6.188% | $270,000 | 41.2% |
| Washington County Bank | 12 | Not published | $225,000 | 7.7% |
| RVR BANK | 12 | Not published | $210,000 | 7.7% |
| Discover Bank | 11 | 8.950% | $85,000 | 42.1% |
| NBKC BANK | 11 | 6.000% | $345,000 | 21.4% |
| Five Points Bank | 11 | Not published | $145,000 | 8.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 5.750% | $390,000 | 6.7% |
| FLAT BRANCH MORTGAGE, INC. | 10 | 6.313% | $455,000 | 0.0% |
| CLEARPATH LENDING | 10 | 5.750% | $310,000 | 0.0% |
| Equitable Bank | 10 | Not published | $295,000 | 0.0% |
| GREENSTATE Credit Union | 9 | Under 10 loans | Under 10 loans | 23.1% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 8.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Nebraska Bank of Commerce | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MORIA DEVELOPMENT, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Gateway First Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Midstates Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| First Westroads Bank, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Availa Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Interstate Bank | 5 | Under 10 loans | Under 10 loans | 40.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Westside State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Nebraska Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 4 | Under 10 loans | Under 10 loans | 28.6% |
| 549300MNG3C6WSZ0TB17 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FOUR POINTS | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Central National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bruning Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| F&M Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Funding Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Omaha Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual First Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank Nebraska | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549007DD9YRDBF18Z15 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BankFirst | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KELLOGG MIDWEST FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Bank of Ashland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Emprise Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| FIRST NEBRASKA Credit Union | 1 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Heritage Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SIOUXLAND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OMAHA POLICE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Glenwood State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIVERSTONE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESERVICES LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTENNIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abbott Laboratories Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank & Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Colorado | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frontier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Malvern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Oakstar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 80.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BAY-VALLEY MORTGAGE GROUP | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 30 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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.