Refinancing lenders in Sarpy County
1,023 refinancing mortgages were made in Sarpy County, Nebraska, in 2025, by 144 lenders. The median rate their borrowers got was 6.125% on a median loan of $255,000. Of 1,219 decisions, 130 were denials — 10.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| VERIDIAN CREDIT UNION | 87 | 6.490% | $105,000 | 2.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 86 | 5.625% | $335,000 | 3.2% |
| Cobalt Credit Union | 71 | 6.990% | $65,000 | 2.7% |
| Rocket Mortgage, LLC | 65 | 5.875% | $265,000 | 15.9% |
| CENTRIS | 57 | 6.250% | $75,000 | 14.9% |
| First National Bank of Omaha | 54 | 7.790% | $105,000 | 15.2% |
| FREEDOM MORTGAGE CORPORATION | 51 | 6.000% | $325,000 | 1.5% |
| Pinnacle Bank | 48 | 7.000% | $125,000 | 5.8% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 5.875% | $345,000 | 2.4% |
| Mortgage Research Center, LLC | 28 | 5.750% | $335,000 | 39.1% |
| GUARANTEED RATE, INC. | 26 | 5.738% | $315,000 | 0.0% |
| Core Bank | 23 | 6.375% | $315,000 | 0.0% |
| CMG MORTGAGE, INC. | 20 | 6.750% | $240,000 | 4.6% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 5.750% | $315,000 | 28.0% |
| CHARTER WEST BANK | 14 | 6.125% | $310,000 | 0.0% |
| NEWREZ LLC | 13 | 5.750% | $335,000 | 16.7% |
| CHURCHILL MORTGAGE CORPORATION | 13 | 6.125% | $265,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 12 | 5.870% | $285,000 | 14.3% |
| American National Bank | 12 | 7.600% | $105,000 | 13.3% |
| PLANET HOME LENDING, LLC | 12 | 5.688% | $365,000 | 13.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 8 | Under 10 loans | Under 10 loans | 16.7% |
| Northwest Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank and Trust Company | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Arbor Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| GREENSTATE Credit Union | 7 | Under 10 loans | Under 10 loans | 10.0% |
| First Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Westside State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Frontier Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| METRO CU | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Dundee Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| REGENT FINANCIAL GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Lincoln FSB of Nebraska | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Access Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 0.0% |
| F&M Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Central National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Security National Bank of Omaha | 2 | Under 10 loans | Under 10 loans | 33.3% |
| IOWA BANKERS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| I3 Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nebraska Bank of Commerce | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NEBRASKA Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUR POINTS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Westroads Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equitable Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dayspring Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Midstates Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Exchange Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Nebraska Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Glenwood State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Points Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capitol Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESERVICES LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Foundation One Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KELLOGG MIDWEST FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Omaha Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First PREMIER Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RVR BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500CBWD5B079K2C86 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Merchants Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Emprise Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flanagan State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Valley West Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| TruHome Solutions, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ZILLOW HOME LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Farm Credit Mid-America | 0 | Under 10 loans | Under 10 loans | Not published |
| OMAHA POLICE | 0 | Under 10 loans | Under 10 loans | Not published |
| LIBERTY FIRST CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| BankFirst | 0 | Under 10 loans | Under 10 loans | Not published |
| V.I.P. MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Washington County Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | Not published |
| UMB Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 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.
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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. 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.