Mortgage lenders in Madison County
553 mortgages were made in Madison County, Nebraska, in 2025, by 97 lenders. The median rate their borrowers got was 6.500% on a median loan of $185,000. Of 677 decisions, 107 were denials — 15.8%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| WEST GATE BANK | 90 | 6.375% | $245,000 | 0.0% |
| GUARANTEED RATE, INC. | 59 | 6.250% | $205,000 | 10.6% |
| BankFirst | 47 | Not published | $185,000 | 6.0% |
| CHARTER WEST BANK | 46 | 6.500% | $225,000 | 13.2% |
| Rocket Mortgage, LLC | 35 | 6.750% | $145,000 | 22.2% |
| Frontier Bank | 35 | 7.125% | $165,000 | 18.6% |
| U.S. Bank National Association | 30 | 6.688% | $150,000 | 36.2% |
| First National Bank of Omaha | 27 | 7.280% | $105,000 | 18.2% |
| Pinnacle Bank | 15 | 6.500% | $155,000 | 15.8% |
| Mortgage Research Center, LLC | 15 | 6.250% | $265,000 | 6.3% |
| BMO Bank National Association | 13 | 8.480% | $105,000 | 31.6% |
| Heritage Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| First Nebraska Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Access Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Heritage Bank, FSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Central National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMERCIAL STATE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arbor Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equitable Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Availa Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank & Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUR POINTS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CENTENNIAL LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VERIDIAN CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Nebraska Bank of Commerce | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Members Mortgage Services, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MEGASTAR FINANCIAL CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONVENTUS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Centier Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 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.
Bank branches in Madison County
29 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Elkhorn Valley Bank & Trust | 5 | $804.2 million |
| BankFirst | 3 | $400.3 million |
| Madison County Bank | 3 | $308.0 million |
| Midwest Bank | 2 | $255.2 million |
| U.S. Bank National Association | 2 | $129.7 million |
| Equity Bank | 2 | $76.9 million |
| Citizens State Bank | 2 | $39.7 million |
| Heritage Bank | 2 | $8.5 million |
| Wells Fargo Bank, National Association | 1 | $123.4 million |
| First National Bank of Omaha | 1 | $88.5 million |
| Battle Creek State Bank | 1 | $60.7 million |
| Cornerstone Bank | 1 | $55.3 million |
| Pinnacle Bank | 1 | $54.6 million |
| BMO Bank National Association | 1 | $16.7 million |
| Security First Bank | 1 | $15.9 million |
| Stanton State Bank | 1 | $8.0 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- First Interstate Bank, 400 Braasch Ave, Norfolk
- Frontier Bank, 1106 Benjamin Ave, Ste 100, Norfolk
- Frontier Bank, 301 S Main St, Madison
Get told when this changes
When the next year’s lending figures are out for Madison County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.