Nebraska · Q1 2026
What Nebraska borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 310 lenders.
Published 2026-04-29.
Nebraska · headline
The gap between Nebraska's lowest- and highest-cost ranked lenders in 2025 was $4,365 on a typical loan — borrowers using Fairway Independent Mortgage paid roughly 591% more than borrowers using Centris Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=28,928)
In 2025, 310 mortgage lenders originated 28,928 reportable loans in Nebraska according to FFIEC HMDA data. The median borrower paid $4,084 in total loan costs. That is 3.7% below the national median across all 50 states and DC.
Nebraska's median total loan cost was $4,084, 3.7% below the national median of $4,242. On a typical loan, that translates to roughly $158 less than borrowers paid in the average state.
Centris Federal Credit Union posted the lowest median total loan costs at $739, 81.9% below the Nebraska median. Across the ranked lenders, 10 earned an A grade against peer averages and 2 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Nebraska are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,000 | $3,196 | 2,476 | D |
| 2 | West Gate Bank | $2,741 | $1,100 | 1,611 | A |
| 3 | Pinnacle Bank | $2,604 | $1,245 | 1,559 | A |
| 4 | Charter West Bank | $3,654 | $1,330 | 1,534 | A |
| 5 | United Wholesale Mortgage | $4,940 | $2,343 | 1,147 | C |
| 6 | Lincoln FSB of Nebraska | $2,570 | $896 | 991 | A |
| 7 | Mortgage Research Center, LLC | $4,430 | $2,367 | 950 | B |
| 8 | First National Bank of Omaha | $3,086 | $1,280 | 853 | A |
| 9 | U.S. Bank National Association | $2,675 | $1,115 | 784 | A |
| 10 | Veridian Credit Union | $1,906 | $500 | 777 | A |
Nebraska median total loan cost
Nebraska borrowers paid a median $4,084 in total loan costs in 2025, based on 28,928 HMDA-reported loans across 310 lenders.
FFIEC HMDA 2025
Lender spread in Nebraska
In Nebraska, the gap between Centris Federal Credit Union ($739 median) and Fairway Independent Mortgage ($5,104 median) was $4,365 on a typical 2025 loan.
FFIEC HMDA 2025
Nebraska vs. national
Nebraska closing costs ran 3.7% below the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Nebraska was $1,678, with the typical lender clustering tightly around that figure. Discount points appeared on 38% of loans, with a median paid amount of $1,517 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 29% of loans, with a median credit of $323.
Avg $2,787
Median $1,517 when present
Median $323 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Nebraska) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Nebraska
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