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.
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 CU5%37 loans, median costs $2,721
- 2.DHI MORTGAGE COMPANY, LTD.5.375%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 SHORE FINANCIAL SERVICES, LLCbroker only5.75%187 loans, median costs $5,409
- 2.VERIDIAN CREDIT UNION5.875%92 loans, median costs $2,105
- 3.Mortgage Research Center, LLC5.875%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.
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 SHORE FINANCIAL SERVICES, LLCbroker 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, LLC | 214 | 6.25% | $5,185 | $0 | $1,767 |
| 7 | WEST GATE BANK | 209 | 6.5% | $2,985 | $1,075 | $815 |
| 8 | CENTRIS | 187 | 6.5% | $2,867 | $895 | $608 |
| 9 | Fairway Independent Mortgage Corporation | 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, LLC | 158 | 6.5% | $5,182 | $2,967 | $2,629 |
| 14 | GUARANTEED RATE, INC. | 158 | 6.625% | $4,060 | $1,640 | $1,083 |
| 15 | U.S. Bank National Association | 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, INC. | 105 | 6.49% | $5,519 | $1,940 | $2,129 |
| 23 | DHI MORTGAGE COMPANY, LTD. | 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 | MORIA DEVELOPMENT, INC. | 77 | 6.625% | $5,459 | $1,840 | $907 |
| 28 | Lincoln FSB of Nebraska | 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, National Association | 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, INC. | 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, National Association | 39 | 6.375% | $3,266 | $1,170 | $1,370 |
| 40 | METRO CU | 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.
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.