Mortgage lending in Sarpy County
6,142 mortgages were originated in Sarpy County, Nebraska, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,142
- Median rate
- 6.490%
- Median lender fees
- $3,539
- Median loan amount
- $255,000
- Median spread over APOR
- 0.082
- Paid discount points
- 28.8%
- Received lender credits
- 23.8%
- Purchases / refinances
- 54.5% / 27.2%
- Conventional / FHA / VA
- 70.6% / 9.9% / 19.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Sarpy County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| VERIDIAN CREDIT UNION | 422 | $1,860 | 6.490% |
| Rocket Mortgage, LLC | 314 | $4,198 | 6.875% |
| CENTRIS | 313 | $559 | 6.250% |
| Mortgage Research Center, LLC | 270 | $5,488 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 265 | $4,886 | 6.125% |
| First National Bank of Omaha | 261 | $3,053 | 7.150% |
| CHARTER WEST BANK | 226 | $3,722 | 6.375% |
| DHI MORTGAGE COMPANY, LTD. | 215 | $3,000 | 5.500% |
| Pinnacle Bank | 207 | $2,965 | 6.890% |
| Cobalt Credit Union | 157 | — | 6.990% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Sarpy County — not a rule of thumb.
From 4,462 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers