Nebraska · HMDA 2025
Mortgage lenders in Clay County, NE
59 lenders reported 207 home-loan applications in Clay County in 2025. 114 closed as loans ($17.9M), 19 were denied — a 13.6% denial rate on decided applications, below the Nebraska rate of 15.1%. The three most active lenders handled 29% of applications, led by Pinnacle Bank. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 207
- Loans originated
- 114
- Purchase / refinance
- 57 / 38
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Pinnacle Bank 74 out of 100, Strong | 29 | 14.0% | 4.8% |
| 2 | WEST GATE BANK 72 out of 100, Strong | 17 | 8.2% | 4.8% |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 14 | 6.8% | 39.5% |
| 4 | Cornerstone Bank 56 out of 100, Moderate | 13 | 6.3% | 18.4% |
| 5 | Rocket Mortgage, LLC | 12 | 5.8% | — |
| 6 | CHARTER WEST BANK 68 out of 100, Moderate | 8 | 3.9% | 8.6% |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 7 | 3.4% | 32.5% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 6 | 2.9% | — |
| 9 | Mortgage Research Center, LLC | 6 | 2.9% | — |
| 10 | Farm Credit Mid-America | 5 | 2.4% | — |
| 11 | Coastal Community Bank 35 out of 100, Low | 5 | 2.4% | 3.0% |
| 12 | Broker Solutions, Inc. | 4 | 1.9% | — |
| 13 | MNB Bank 75 out of 100, Strong | 4 | 1.9% | 7.5% |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.9% | — |
| 15 | Heartland Bank 80 out of 100, Strong | 4 | 1.9% | 5.0% |
| 16 | FREEDOM MORTGAGE CORPORATION | 4 | 1.9% | — |
| 17 | NEWREZ LLC | 3 | 1.4% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 1.4% | 14.1% |
| 19 | Discover Bank | 3 | 1.4% | — |
| 20 | FIGURE LENDING LLC | 3 | 1.4% | — |
| 21 | Union Bank and Trust Company 76 out of 100, Strong | 3 | 1.4% | 11.7% |
| 22 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 1.0% | 22.2% |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 2 | 1.0% | — |
| 24 | GUARANTEED RATE, INC. | 2 | 1.0% | — |
| 25 | Home Federal Savings and Loan Association of Grand Island 80 out of 100, Strong | 2 | 1.0% | 9.6% |
| 26 | Heritage Bank | 2 | 1.0% | — |
| 27 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | 1.0% | — |
| 28 | PLANET HOME LENDING, LLC | 2 | 1.0% | — |
| 29 | Gateway First Bank 54 out of 100, Below average | 2 | 1.0% | 5.3% |
| 30 | NATIONSTAR MORTGAGE LLC | 2 | 1.0% | — |
| 31 | CENTENNIAL LENDING, LLC | 2 | 1.0% | — |
| 32 | MORIA DEVELOPMENT, INC. | 2 | 1.0% | — |
| 33 | FOUR POINTS | 2 | 1.0% | — |
| 34 | 21st Mortgage Corporation | 1 | 0.5% | — |
| 35 | AmeriSave Mortgage Corporation | 1 | 0.5% | — |
| 36 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.5% | — |
| 37 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.5% | 44.7% |
| 38 | SPRING EQ, LLC | 1 | 0.5% | — |
| 39 | Lendage, LLC | 1 | 0.5% | — |
| 40 | Frontier Bank | 1 | 0.5% | — |
Top 40 of 59 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Nebraska
- Douglas County 25,537 apps
- Lancaster County 13,061 apps
- Sarpy County 10,670 apps
- Hall County 2,041 apps
- Dodge County 1,507 apps
- Cass County 1,463 apps
- Buffalo County 1,435 apps
- Lincoln County 1,249 apps
- Platte County 1,226 apps
- Saunders County 1,056 apps
- Adams County 1,014 apps
- Madison County 976 apps