What people paid for mortgages in Douglas County, NE (2025)

Across 6,384 closed home-purchase loans in 2025, the median interest rate in Douglas was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $3,586 on a median loan of $275,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.75%
Median total loan costs: $3,586
Median loan amount: $275,000

6,384 loans, 2025.

Refinance

Median rate: 6.125%
Middle half of rates: 5.75%–6.75%
Median total loan costs: $4,509
Median loan amount: $245,000

2,240 loans, 2025.

Lowest median rates in Douglas (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.Metro Credit Union5%37 loans, median costs $2,721
2.DHI Mortgage Company, LTD.builder lender5.375%105 loans, median costs $3,015
3.GREENSTATE CREDIT UNION5.812%42 loans, median costs $2,396
4.VERIDIAN CREDIT UNION6%291 loans, median costs $2,009
5.Navy Federal Credit Union6.125%54 loans, median costs $2,425

Among lenders with at least 30 closed purchase loans in Douglas County in 2025.

Refinance

1.United Wholesale Mortgagebroker only5.75%187 loans, median costs $5,409
2.VERIDIAN CREDIT UNION5.875%92 loans, median costs $2,105
3.Mortgage Research Center5.875%31 loans, median costs $3,914
4.PENNYMAC LOAN SERVICES LLC5.999%82 loans, median costs $6,450
5.West Gate Bank6%31 loans, median costs $2,416

Among lenders with at least 30 closed refinance loans in Douglas County in 2025.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in Douglas

Every lender that closed at least 5 qualifying loans in Douglas County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	Charter West Bank	416	6.5%	$3,677	$1,258	$770
2	United Wholesale Mortgagebroker only	312	6.597%	$4,384	$1,620	$896
3	VERIDIAN CREDIT UNION	291	6%	$2,009	$500	$728
4	Access Bank	231	6.375%	$3,466	$1,195	$837
5	FIRST NATIONAL BANK OF OMAHA	231	6.5%	$3,024	$875	$413
6	Mortgage Research Center	214	6.25%	$5,185	$0	$1,767
7	West Gate Bank	209	6.5%	$2,985	$1,075	$815
8	Centris Federal Credit Union	187	6.5%	$2,867	$895	$608
9	FAIRWAY INDEPENDENT MORT CORP	186	6.49%	$4,385	$1,495	$984
10	CHURCHILL MORTGAGE CORPORATION	176	6.625%	$5,475	$2,348	$1,379
11	CMG MORTGAGE INC	165	6.5%	$4,802	$1,684	$1,267
12	GUILD MORTGAGE COMPANY	160	6.5%	$3,860	$1,593	$1,250
13	ROCKET MORTGAGE	158	6.5%	$5,182	$2,967	$2,629
14	GUARANTEED RATE, INC.	158	6.625%	$4,060	$1,640	$1,083
15	US BANK, N.A.	151	6.375%	$3,092	$1,020	$865
16	Core Bank	149	6.49%	$2,965	$1,195	$594
17	FLAT BRANCH MORTGAGE, INC.	148	6.625%	$3,625	$1,230	$744
18	Arbor Bank	141	n/a	n/a	n/a	n/a
19	PINNACLE BANK	125	6.375%	$3,284	$1,245	$1,532
20	ARK-LA-TEX FINANCIAL SERVICES LLC	123	6.5%	$4,375	$1,684	$2,593
21	First Bank	122	6.375%	$3,571	$1,270	$1,020
22	Regent Financial Group	105	6.49%	$5,519	$1,940	$2,129
23	DHI Mortgage Company, LTD.builder lender	105	5.375%	$3,015	$0	$2,456
24	Dundee Bank	99	6.625%	$4,807	$2,539	$2,570
25	AMERICAN NATIONAL BANK	94	6.5%	$3,315	$1,474	$804
26	Plains Commerce Bank	91	6.5%	$6,632	$1,779	$900
27	PEOPLES MORTGAGE COMPANY	77	6.625%	$5,459	$1,840	$907
28	LINCOLN FEDERAL SVGS BK OF NE	71	6.375%	$3,152	$984	$620
29	PENNYMAC LOAN SERVICES LLC	68	6.5%	$4,502	$1,090	$848
30	Union Bank and Trust Company	66	6.5%	$2,904	$1,139	n/a
31	Gold Star Mortgage Financial Group, Corporation	65	6.625%	$3,986	$1,850	$638
32	Union Home Mortgage Corp.	59	6.5%	$3,856	$1,786	$992
33	Navy Federal Credit Union	54	6.125%	$2,425	$0	$1,479
34	WELLS FARGO BANK NA	48	6.25%	$4,008	$1,626	$1,410
35	NORTHWEST BANK	46	6.5%	$2,851	$1,050	$2,551
36	Mutual of Omaha Mortgage	42	6.375%	$4,094	$1,289	$1,802
37	GREENSTATE CREDIT UNION	42	5.812%	$2,396	$725	$902
38	GERSHMAN INVESTMENT CORP.	41	6.49%	$3,471	$1,170	$439
39	JPMorgan Chase Bank, NA	39	6.375%	$3,266	$1,170	$1,370
40	Metro Credit Union	37	5%	$2,721	$1,095	$314

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights

Request quotes on LendingTree

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

What happens after you submit

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Douglas figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Douglas County in 2025?

The median interest rate on closed home-purchase loans in Douglas County, Nebraska in 2025 was 6.5%, across 6,384 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.75%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.