Nebraska’s FHA denial rate in 2025 was 20.5% across 6,127 decisioned applications — ranking #38 of 52 states. Among high-volume lenders, the lowest observed denial rate was Peoples Mortgage Company at 3.0%; the highest was Amerisave Mortgage Company at 79.5%. The institutional spread inside Nebraska is 26.5×: the same FHA application faces a 3.0% observed denial rate at one high-volume door and 79.5% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Nebraska FHA apps | Denial rate |
|---|---|---|
| Peoples Mortgage Company | 132 | 3.0% |
| Gershman Investment Corp. | 160 | 3.1% |
| Cmg Mortgage Inc | 154 | 5.2% |
| Pinnacle Bank | 149 | 6.7% |
| Lincoln Federal Svgs Bk Of Ne | 149 | 6.7% |
| Fairway Independent Mort Corp | 222 | 7.7% |
| Plains Commerce Bank | 130 | 14.6% |
| Charter West Bank | 540 | 15.7% |
| Freedom Mortgage Corporation | 241 | 20.7% |
| United Wholesale Mortgage | 261 | 23.4% |
| Pennymac Loan Services LLC | 228 | 25.0% |
| Mutual Of Omaha Mortgage | 123 | 28.5% |
| Rocket Mortgage | 698 | 33.0% |
| Loandepot.Com LLC | 130 | 43.8% |
| Amerisave Mortgage Company | 151 | 79.5% |
Applications under $150K were denied 36.6% of the time versus 14.9% for loans of $250K+ — a 2.5× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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