Nebraska · HMDA 2025
Mortgage lenders in Howard County, NE
58 lenders reported 228 home-loan applications in Howard County in 2025. 129 closed as loans ($21.5M), 29 were denied — a 17.4% denial rate on decided applications, above the Nebraska rate of 15.1%. The three most active lenders handled 18% of applications, led by ARCHER COOPERATIVE CREDIT UNION. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 228
- Loans originated
- 129
- Purchase / refinance
- 62 / 45
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Howard County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | ARCHER COOPERATIVE CREDIT UNION | 14 | 6.1% | — |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 13 | 5.7% | 39.5% |
| 3 | Pinnacle Bank 74 out of 100, Strong | 13 | 5.7% | 4.8% |
| 4 | Five Points Bank 76 out of 100, Strong | 13 | 5.7% | 2.5% |
| 5 | Rocket Mortgage, LLC | 11 | 4.8% | — |
| 6 | WEST GATE BANK 72 out of 100, Strong | 11 | 4.8% | 4.8% |
| 7 | First National Bank of Omaha 72 out of 100, Strong | 11 | 4.8% | 25.9% |
| 8 | Citizens Bank & Trust Company 54 out of 100, Below average | 9 | 3.9% | 2.4% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 8 | 3.5% | — |
| 10 | Pathway Bank 54 out of 100, Below average | 7 | 3.1% | 28.6% |
| 11 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 2.6% | 32.5% |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 2.6% | — |
| 13 | Home Federal Savings and Loan Association of Grand Island 80 out of 100, Strong | 6 | 2.6% | 9.6% |
| 14 | MORIA DEVELOPMENT, INC. | 6 | 2.6% | — |
| 15 | Mortgage Research Center, LLC | 5 | 2.2% | — |
| 16 | Farm Credit Mid-America | 5 | 2.2% | — |
| 17 | CHARTER WEST BANK 68 out of 100, Moderate | 5 | 2.2% | 8.6% |
| 18 | FREEDOM MORTGAGE CORPORATION | 5 | 2.2% | — |
| 19 | CENTRIS | 5 | 2.2% | — |
| 20 | Heritage Bank | 4 | 1.8% | — |
| 21 | Members Mortgage Services, L.L.C. | 4 | 1.8% | — |
| 22 | Equitable Bank 72 out of 100, Strong | 4 | 1.8% | 7.1% |
| 23 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 1.3% | 32.9% |
| 24 | NEWREZ LLC | 3 | 1.3% | — |
| 25 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 1.3% | 22.2% |
| 26 | SPRING EQ, LLC | 3 | 1.3% | — |
| 27 | SOFI BANK, NATIONAL ASSOCIATION | 3 | 1.3% | — |
| 28 | CASTLE & COOKE MORTGAGE, LLC | 3 | 1.3% | — |
| 29 | CARRINGTON MORTGAGE SERVICES, LLC | 3 | 1.3% | — |
| 30 | Union Bank and Trust Company 76 out of 100, Strong | 3 | 1.3% | 11.7% |
| 31 | Loandepot.Com, LLC | 2 | 0.9% | — |
| 32 | Exchange Bank 54 out of 100, Below average | 2 | 0.9% | 3.6% |
| 33 | PLANET HOME LENDING, LLC | 2 | 0.9% | — |
| 34 | Plains Commerce Bank 59 out of 100, Moderate | 2 | 0.9% | 10.0% |
| 35 | Texana Bank, National Association | 2 | 0.9% | — |
| 36 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 0.4% | 14.1% |
| 37 | GUARANTEED RATE, INC. | 1 | 0.4% | — |
| 38 | AmeriSave Mortgage Corporation | 1 | 0.4% | — |
| 39 | GUILD MORTGAGE COMPANY | 1 | 0.4% | — |
| 40 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.4% | — |
Top 40 of 58 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