State report · HMDA 2025

Nebraska mortgages and home buyers, 2025

Incomes, down payments, rates, loan costs, denials and lenders across Nebraska's 93 counties, from official HMDA records.

HMDA 2025 data released June 23, 2026

In 2025, lenders reported 19,371 home-purchase mortgages for owner-occupied, single-family homes in Nebraska. The median buyer borrowed $255,000 on a home valued at $305,000 and reported a household income of $101,000.

Buyers financed a median 91.9% of the home's value (roughly 8.1% down), paid a median 6.624% on 30-year fixed conventional loans and faced median conventional loan costs of $3,100.

Lenders denied 5.9% of completed home-purchase applications.

Purchase loans

19,371

381 lenders active

Buyer income

$101,000

U.S. $116,000

Down payment

8.1%

U.S. 10%

30-yr fixed rate

6.624%

U.S. 6.625%

Loan costs

$3,100

Conventional · U.S. $5,570

FHA limit 2026

$541K–$604K

1-unit home, by county

Key facts

Home buyers' median income ($101,000) is 13% lower than the U.S. median ($116,000).
Median conventional loan costs ($3,100) were 44% lower than the U.S. median ($5,570).
The most common age bracket among borrowers was 25–34 (36.7% of purchase loans).
47.5% of purchase mortgages had a single borrower with no co-applicant.
The most-cited reason for denial was debt-to-income ratio (40.5% of denials with a stated reason).

The 2026 conforming limit is $832,750 for a one-unit home in every Nebraska county. See every Nebraska county's 2026 FHA and conforming loan limits.

Nebraska counties compared

Click a column to sort. Medians shown with at least 30 loans.

County	Purchase loans	Median loan	Buyer income	Down payment	30-yr rate	Loan costs	Denial rate	FHA limit
Adams County	232	$205,000	$78,000	6.8%	6.500%	$2,840	8.8%	$541,287
Antelope County	41	$165,000	$82,000	10.4%	—	—	10.4%	$541,287
Arthur County	3	—	—	—	—	—	—	$541,287
Banner County	0	—	—	—	—	—	—	$541,287
Blaine County	0	—	—	—	—	—	—	$541,287
Boone County	38	$195,000	$85,000	7.2%	—	—	2.4%	$541,287
Box Butte County	75	$165,000	$80,000	5.0%	6.625%	$3,460	11.6%	$541,287
Boyd County	3	—	—	—	—	—	—	$541,287
Brown County	9	—	—	—	—	—	—	$541,287
Buffalo County	375	$255,000	$100,000	10.0%	6.500%	$2,980	3.8%	$541,287
Burt County	77	$175,000	$84,000	5.0%	6.500%	$3,230	9.3%	$541,287
Butler County	51	$205,000	$78,000	5.0%	—	$3,140	8.5%	$541,287
Cass County	305	$255,000	$100,000	10.0%	6.625%	$3,220	4.3%	$541,287
Cedar County	34	$225,000	$86,000	—	—	—	2.7%	$541,287
Chase County	28	—	—	—	—	—	12.5%	$541,287
Cherry County	38	$165,000	$70,000	5.0%	—	—	7.3%	$541,287
Cheyenne County	56	$175,000	$83,000	6.7%	—	—	21.6%	$541,287
Clay County	52	$175,000	$78,000	6.3%	—	$2,950	9.7%	$541,287
Colfax County	59	$215,000	$88,000	5.0%	—	$3,180	18.2%	$541,287
Cuming County	43	$185,000	$87,000	10.9%	—	$3,110	4.3%	$541,287
Custer County	61	$165,000	$81,000	10.5%	—	$2,990	11.6%	$541,287
Dakota County	123	$255,000	$87,000	5.0%	6.500%	$4,070	9.5%	$541,287
Dawes County	63	$155,000	$77,000	10.0%	6.625%	$3,170	10.8%	$541,287
Dawson County	185	$185,000	$82,000	3.8%	6.750%	$2,750	9.2%	$603,750
Deuel County	10	—	—	—	—	—	—	$541,287
Dixon County	26	—	—	—	—	—	15.6%	$541,287
Dodge County	351	$195,000	$82,000	5.0%	6.500%	$3,150	10.2%	$541,287
Douglas County	6,329	$275,000	$108,000	9.0%	6.624%	$3,280	5.2%	$541,287
Dundy County	13	—	—	—	—	—	—	$541,287
Fillmore County	38	$155,000	$66,000	5.0%	—	—	7.1%	$541,287
Franklin County	24	—	—	—	—	—	—	$541,287
Frontier County	9	—	—	—	—	—	—	$541,287
Furnas County	36	$125,000	$64,000	3.5%	—	—	5.1%	$541,287
Gage County	210	$185,000	$80,000	5.0%	6.625%	$2,870	10.0%	$541,287
Garden County	12	—	—	—	—	—	—	$541,287
Garfield County	9	—	—	—	—	—	—	$541,287
Gosper County	12	—	—	—	—	—	—	$603,750
Grant County	1	—	—	—	—	—	—	$541,287
Greeley County	8	—	—	—	—	—	—	$541,287
Hall County	447	$235,000	$86,000	5.0%	6.625%	$3,060	5.8%	$541,287
Hamilton County	122	$235,000	$95,000	8.5%	6.625%	$2,800	3.8%	$541,287
Harlan County	14	—	—	—	—	—	—	$541,287
Hayes County	5	—	—	—	—	—	—	$541,287
Hitchcock County	19	—	—	—	—	—	—	$541,287
Holt County	59	$145,000	$69,000	14.6%	—	$3,070	13.0%	$541,287
Hooker County	3	—	—	—	—	—	—	$541,287
Howard County	43	$205,000	$82,000	3.5%	—	—	13.5%	$541,287
Jefferson County	74	$155,000	$69,000	5.0%	6.625%	$3,090	6.2%	$541,287
Johnson County	30	$225,000	$101,000	—	—	—	3.2%	$541,287
Kearney County	49	$215,000	$79,000	5.0%	—	—	9.1%	$541,287
Keith County	75	$205,000	$90,000	20.0%	6.875%	$3,470	14.3%	$541,287
Keya Paha County	2	—	—	—	—	—	—	$541,287
Kimball County	31	$155,000	$84,000	—	—	—	6.1%	$541,287
Knox County	31	$195,000	$91,000	—	—	—	17.9%	$541,287
Lancaster County	3,562	$255,000	$100,000	12.0%	6.500%	$2,820	3.5%	$541,287
Lincoln County	295	$195,000	$85,000	5.0%	6.625%	$3,280	10.2%	$541,287
Logan County	3	—	—	—	—	—	—	$541,287
Loup County	1	—	—	—	—	—	—	$541,287
McPherson County	0	—	—	—	—	—	—	$541,287
Madison County	267	$235,000	$94,000	5.0%	6.500%	$3,150	6.2%	$541,287
Merrick County	67	$205,000	$80,000	5.0%	—	$3,070	5.4%	$541,287
Morrill County	28	—	—	—	—	—	3.2%	$541,287
Nance County	16	—	—	—	—	—	—	$541,287
Nemaha County	46	$155,000	$79,000	5.0%	—	—	9.4%	$541,287
Nuckolls County	29	—	—	—	—	—	9.4%	$541,287
Otoe County	173	$235,000	$99,000	5.0%	6.500%	$3,170	3.3%	$541,287
Pawnee County	19	—	—	—	—	—	—	$541,287
Perkins County	17	—	—	—	—	—	—	$541,287
Phelps County	63	$205,000	$86,000	10.0%	—	$2,990	5.8%	$541,287
Pierce County	34	$185,000	$90,000	5.7%	—	—	9.8%	$541,287
Platte County	318	$245,000	$88,000	5.0%	6.625%	$3,110	8.0%	$541,287
Polk County	43	$145,000	$80,000	10.0%	—	—	4.3%	$541,287
Red Willow County	108	$155,000	$76,000	5.0%	6.500%	$2,950	8.4%	$541,287
Richardson County	38	$105,000	$66,000	5.0%	—	—	14.9%	$541,287
Rock County	5	—	—	—	—	—	—	$541,287
Saline County	125	$205,000	$75,000	5.0%	6.500%	$2,820	5.3%	$541,287
Sarpy County	2,952	$315,000	$121,000	10.0%	6.500%	$3,240	4.4%	$541,287
Saunders County	240	$275,000	$112,000	10.5%	6.500%	$3,160	6.4%	$541,287
Scotts Bluff County	148	$195,000	$85,000	5.0%	6.750%	$3,900	9.1%	$541,287
Seward County	178	$255,000	$96,000	10.0%	6.500%	$2,900	7.5%	$541,287
Sheridan County	19	—	—	—	—	—	—	$541,287
Sherman County	17	—	—	—	—	—	—	$541,287
Sioux County	4	—	—	—	—	—	—	$541,287
Stanton County	39	$215,000	$89,000	5.0%	—	—	15.2%	$541,287
Thayer County	29	—	—	—	—	—	21.1%	$541,287
Thomas County	1	—	—	—	—	—	—	$541,287
Thurston County	16	—	—	—	—	—	—	$541,287
Valley County	32	$175,000	$80,000	—	—	—	17.9%	$541,287
Washington County	204	$295,000	$112,000	12.3%	6.625%	$3,230	6.0%	$541,287
Wayne County	31	$215,000	$109,000	—	—	—	8.8%	$541,287
Webster County	25	—	—	—	—	—	—	$541,287
Wheeler County	1	—	—	—	—	—	—	$541,287
York County	111	$195,000	$81,000	5.0%	6.625%	$2,890	9.8%	$541,287

Who bought homes in Nebraska

Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.

Purchase loans

19,371

of 21,046 applications

Buyer income

$101,000

Middle half $71,000–$148,000

Home value

$305,000

Middle half $225,000–$415,000

Loan amount

$255,000

Middle half $195,000–$345,000

Down payment

8.1%

36.6% put 20%+ down

Single borrower

47.5%

No co-applicant

Values are medians; "middle half" is the 25th to 75th percentile.

Loan type

Conventional 70.5% 13,652

FHA 16.7% 3,229

VA 11.8% 2,286

USDA 1.1% 204

What the homes were for

Primary residence 93.5% 19,619

Second home 1.0% 206

Investment property 5.5% 1,163

All first-lien, closed-end purchase mortgages, including second homes and investors.

Borrower age

Under 25 10.4%

25–34 36.7%

35–44 24.4%

45–54 13.7%

55–64 8.7%

65–74 4.7%

75 and over 1.5%

Debt-to-income ratio

Under 20% 3.8%

20–29% 16.2%

30–35% 17.4%

36–42% 26.7%

43–49% 29.1%

50–60% 6.1%

Over 60% 0.6%

Monthly debts (including the new payment) as a share of income, as used in underwriting.

What borrowing cost in Nebraska

Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.

Measure	Nebraska	U.S.
30-year fixed rate · conventional	6.624%	6.625%
30-year fixed rate · FHA	6.250%	6.250%
30-year fixed rate · VA	6.250%	6.125%
15-year fixed rate · conventional	5.875%	5.875%
Rate spread vs. APOR · conventional	+0.13 pts	+0.13 pts
Total loan costs · conventional	$3,100	$5,570
Total loan costs · FHA	$7,780	$11,310
Total loan costs · VA	$4,670	$6,490
Origination charges (all loan types)	$1,250	$1,860
Borrowers paying discount points	32.0%	51.3%
Points paid, when paid (% of loan)	0.47%	0.87%
Borrowers receiving lender credits	30.2%	33.1%
Adjustable-rate mortgages	3.0%	7.4%
Jumbo loans (above conforming limit)	0.9%	3.8%

Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.

Approvals and denials

Nebraska: 1,236 of 21,046 completed home-purchase applications were denied (5.9%).

Denial rate

Application	Nebraska	U.S.
Home purchase	5.9%	8.5%
Conventional	4.8%	7.1%
FHA	10.5%	12.5%
VA	5.0%	8.0%
USDA	7.9%	12.5%
Refinance	13.2%	17.9%
Cash-out refinance	29.7%	33.6%

Main reason for purchase denials

Debt-to-income ratio 40.5%

Credit history 19.3%

Collateral (appraisal/property) 13.8%

Credit application incomplete 6.5%

Insufficient cash (down payment/closing costs) 6.1%

Other 5.7%

Unverifiable information 4.3%

Employment history 3.7%

Mortgage insurance denied 0.1%

First reason the lender reported.

Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.

Refinancing in Nebraska

Refinances

4,354

Median loan $265,000

Refi rate

6.375%

30-yr fixed, conv.

Refi loan costs

$2,850

Conventional

Cash-out refis

3,190

Median loan $195,000

Cash-out rate

6.875%

30-yr fixed, conv.

Cash-out income

$90,000

Median borrower

Top mortgage lenders in Nebraska

#	Lender	Loans	Share	Denial rate	30-yr rate*	Spread*	Costs*
1	Rocket Mortgage, LLC	1,721	6.4%	12.9%	6.750%	+0.36	$4,740
2	West Gate Bank	1,486	5.5%	3.3%	6.500%	−0.00	$2,820
3	Charter West Bank	1,473	5.5%	7.8%	6.625%	+0.27	$3,150
4	Pinnacle Bank	1,351	5.0%	2.4%	6.490%	+0.09	$2,740
5	United Wholesale Mortgage (UWM)	1,130	4.2%	4.0%	6.625%	+0.22	$3,970
6	Veterans United Home Loans	927	3.4%	6.6%	6.750%	+0.19	$2,240
7	Lincoln FSB of Nebraska	891	3.3%	2.2%	6.500%	−0.08	$2,510
8	First National Bank of Omaha	688	2.6%	6.9%	6.625%	+0.18	$3,150
9	Union Bank and Trust Company	622	2.3%	4.9%	6.500%	+0.02	$2,830
10	Veridian Credit Union	574	2.1%	3.7%	6.250%	−0.22	$1,990
11	U.S. Bank, N.A.	554	2.1%	6.1%	6.500%	+0.09	$2,890
12	CMG Mortgage, Inc.	527	2.0%	3.0%	6.750%	+0.23	$3,920
13	Fairway Independent Mortgage Corporation	481	1.8%	3.2%	6.625%	+0.35	$3,540
14	Rate	456	1.7%	4.1%	6.750%	+0.37	$3,900
15	Gershman Investment Corp.	447	1.7%	1.4%	6.625%	+0.17	$2,920
16	Churchill Mortgage Corporation	434	1.6%	1.7%	6.625%	+0.32	$4,850
17	Freedom Mortgage Corporation	410	1.5%	3.9%	—	—	—
18	Pennymac Loan Services, LLC	401	1.5%	6.7%	6.750%	+0.21	$3,480
19	Access Bank	387	1.4%	0.9%	6.500%	+0.04	$3,200
20	Guild Mortgage Company	364	1.4%	3.4%	6.625%	+0.23	$3,300
21	Core Bank	348	1.3%	3.1%	6.500%	+0.05	$2,800
22	Centris	329	1.2%	2.2%	6.500%	−0.11	$2,870
23	First Bank	312	1.2%	2.6%	6.625%	+0.22	$3,490
24	DHI Mortgage Company, Ltd.	308	1.1%	13.9%	5.500%	−1.01	$2,330
25	Plains Commerce Bank	305	1.1%	7.2%	6.625%	+0.33	$4,250

Largest lenders in Nebraska by 2025 originations. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).

Metro areas in Nebraska

Omaha, NE-IA · 11,345 purchases
Lincoln, NE · 3,740 purchases
Sioux City, IA-NE-SD · 1,161 purchases
Grand Island, NE · 557 purchases

Source: FFIEC/CFPB HMDA 2025 public LAR; FHFA and HUD 2026 loan limits. Methodology