Mortgage Approval and Denial Rates in Nebraska (2025 HMDA)
Mortgage denial rates in Nebraska: lenders acted on 64,991 mortgage applications in Nebraska in 2025 and denied 12.5% of them, down from 14.2% in 2024. The national denial rate was 17.7%.
Applications acted on
64,991
Loans originated
43,732
Denial rate
12.5%
Median loan
$185,000
Nebraska against the national picture
Most-reported denial reason in Nebraska: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Valley County | 108 | 28.7% | $110,000 |
| Sheridan County | 108 | 25.0% | $85,000 |
| Cheyenne County | 253 | 22.1% | $105,000 |
| Furnas County | 108 | 21.3% | $125,000 |
| Richardson County | 216 | 20.4% | $85,000 |
| Pierce County | 140 | 20.0% | $155,000 |
| Webster County | 100 | 20.0% | $85,000 |
| Scotts Bluff County | 768 | 19.9% | $135,000 |
| Box Butte County | 277 | 19.9% | $105,000 |
| Dixon County | 116 | 19.8% | $135,000 |
| Knox County | 136 | 19.1% | $125,000 |
| Colfax County | 238 | 18.1% | $135,000 |
| Fillmore County | 123 | 17.1% | $135,000 |
| Dawson County | 663 | 17.0% | $125,000 |
| Custer County | 192 | 16.7% | $115,000 |
| Kimball County | 132 | 16.7% | $105,000 |
| Cherry County | 126 | 16.7% | $135,000 |
| Lincoln County | 1,071 | 16.5% | $135,000 |
| Dakota County | 486 | 16.5% | $125,000 |
| York County | 388 | 15.7% | $145,000 |
| Butler County | 232 | 15.5% | $150,000 |
| Keith County | 287 | 15.3% | $155,000 |
| Burt County | 265 | 15.1% | $125,000 |
| Howard County | 192 | 15.1% | $150,000 |
| Nemaha County | 156 | 14.7% | $105,000 |
| Gage County | 746 | 14.5% | $125,000 |
| Phelps County | 229 | 14.4% | $145,000 |
| Adams County | 817 | 14.2% | $145,000 |
| Stanton County | 141 | 14.2% | $175,000 |
| Dodge County | 1,294 | 14.1% | $155,000 |
| Polk County | 137 | 13.9% | $125,000 |
| Platte County | 1,003 | 13.4% | $195,000 |
| Saline County | 397 | 13.1% | $155,000 |
| Madison County | 824 | 13.0% | $175,000 |
| Douglas County | 21,721 | 12.8% | $195,000 |
| Buffalo County | 1,256 | 12.7% | $185,000 |
| Wayne County | 126 | 12.7% | $165,000 |
| Hall County | 1,753 | 12.3% | $155,000 |
| Red Willow County | 302 | 12.3% | $125,000 |
| Holt County | 165 | 12.1% | $115,000 |
| Dawes County | 165 | 12.1% | $135,000 |
| Cass County | 1,239 | 11.8% | $185,000 |
| Cuming County | 146 | 11.6% | $155,000 |
| Washington County | 832 | 11.5% | $195,000 |
| Clay County | 168 | 11.3% | $135,000 |
| Sarpy County | 8,934 | 11.2% | $245,000 |
| Kearney County | 161 | 11.2% | $155,000 |
| Jefferson County | 220 | 10.5% | $105,000 |
| Antelope County | 133 | 10.5% | $135,000 |
| Seward County | 525 | 10.3% | $185,000 |
| Otoe County | 507 | 9.9% | $175,000 |
| Saunders County | 904 | 9.8% | $205,000 |
| Lancaster County | 10,849 | 9.3% | $205,000 |
| Cedar County | 119 | 9.2% | $135,000 |
| Hamilton County | 397 | 9.1% | $175,000 |
| Merrick County | 305 | 8.5% | $125,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.