Mortgage Refinancing in Nebraska
Real refinance data for Nebraska from federal sources, updated annually. See how your state compares to national averages.
Refinance Originations
3,024
2023 HMDA data
Avg Loan Amount
$199,785
National: $410,429
Denial Rate
16.6%
▲ Below national avg
Median Home Value
$223,800
U.S. Census Bureau
Source: HMDA 2023 via CFPB, U.S. Census Bureau ACS
Calculate your refinance savingsRefinance Trends in Nebraska
Originations by Year
Refinance originations in Nebraska by year. Source: HMDA via CFPB.
Loan Type Breakdown
Includes all refinance applications (originated, denied, and other outcomes). Source: HMDA via CFPB.
Home Price Trends in Nebraska
Source: FHFA House Price Index
Top Lenders in Nebraska
| # | Lender | HMDA Records | Avg Loan |
|---|---|---|---|
| 1 | First National Bank Of Omaha | 5,566 | - |
| 2 | U.s. Bank National Association | 5,450 | - |
| 3 | U.s. Bank National Association | 4,570 | - |
| 4 | First National Bank Of Omaha | 4,480 | - |
| 5 | Pinnacle Bank | 3,354 | - |
| 6 | Rocket Mortgage LLC | 3,298 | - |
| 7 | Wells Fargo Bank National Association | 3,088 | - |
| 8 | Pinnacle Bank | 2,616 | - |
| 9 | West Gate Bank | 2,542 | - |
| 10 | Veridian Credit Union | 2,250 | - |
Ranked by total HMDA filings in the state (2023). Source: HMDA via CFPB.
Compare all lenders →How Nebraska Compares
| Metric | Nebraska | National Avg |
|---|---|---|
| Refinance Originations | 3,024 | 435,709 |
| Avg Loan Amount | $199,785 | $410,429 |
| Denial Rate | 16.6% | 27.87% |
Green indicates the state performs better than the national average. Red indicates worse. Source: HMDA 2023, U.S. Census Bureau.
Current Mortgage Rates
30-Year Fixed
6.38%
▲ 6.22% prev
15-Year Fixed
5.75%
▲ 5.54% prev
5/1 ARM
6.06%
▲ 5.95% prev
National average rates updated daily from FRED (Federal Reserve Bank of St. Louis). Your rate depends on your credit score, loan amount, and lender.
Get personalized rates →Frequently Asked Questions
How many people refinanced in Nebraska in 2023?
In 2023, there were 3,024 refinance originations in Nebraska, according to HMDA data reported to the CFPB.
What is the average refinance loan amount in Nebraska?
The average refinance loan amount in Nebraska was $199,785 in 2023. This reflects originated loans reported through HMDA.
What is the refinance denial rate in Nebraska?
The refinance denial rate in Nebraska was 16.6% in 2023. This is calculated from originated and denied applications reported to the CFPB.
What are the top refinance lenders in Nebraska?
The most active lenders in Nebraska by HMDA filing volume include First National Bank Of Omaha, U.s. Bank National Association, U.s. Bank National Association. See the full list above for details.
Is it a good time to refinance in Nebraska?
Whether refinancing makes sense depends on your current rate, loan balance, and how long you plan to stay in your home. Use our refinance calculator and break-even calculator to estimate your potential savings based on current national rates.
Want a deeper analysis?
Read our full editorial guide on refinancing in Nebraska, including tips, regulations, and state programs.
Read the Nebraska Refinance GuideData sourced from HMDA (Home Mortgage Disclosure Act) via the CFPB and FRED (Federal Reserve Bank of St. Louis). Demographics from the U.S. Census Bureau American Community Survey. This page is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for personalized guidance.