Mortgage Lenders and Brokers in Spalding, Nebraska
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Spalding, Nebraska mortgage lenders include Citizens State BankCitizens State Bank121 N Chestnut St, Spalding, NE 68665A+5.0 ★Texas Ratio: 3.39%, West Gate BankWest Gate Bank1004 Cornhusker Rd, Bellevue, NE 68123A+5.0 ★Texas Ratio: 1.69%, Equitable BankEquitable Bank113 N Locust St, Grand Island, NE 68801A+5.0 ★Texas Ratio: 1.90%, Cornerstone BankCornerstone Bank240 S 3rd St, Albion, NE 68620A5.0 ★Texas Ratio: 12.96%, Archer Cooperative Credit UnionArcher Cooperative Credit Union2121 Archer Rd, Archer, NE 68816A+5.0 ★Texas Ratio: 5.83%, Pathway BankPathway Bank817 H St, Burwell, NE 68823B-4.4 ★Texas Ratio: 22.68%, Charter West BankCharter West Bank20041 Manderson St, Elkhorn, NE 68022A+5.0 ★Texas Ratio: 2.29%, Lincoln Federal Svgs Bk of NeLincoln Federal Svgs Bk of Ne524 Chief St, Benkelman, NE 69021A+5.0 ★Texas Ratio: 3.23%, First Interstate BankFirst Interstate Bank423 W 3rd St, Alliance, NE 69301A+5.0 ★Texas Ratio: 4.72%, and Farm Credit Mid-America, Aca. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Spalding, Nebraska in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spalding are listed first, then lenders elsewhere in Nebraska, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Spalding, Nebraska
Market share is the lender's share of all home loans closed in Spalding, Nebraska. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2 offices in Spalding 121 N Chestnut St, Spalding, NE 68665 A+5.0 ★Texas Ratio: 3.39% |
Conventional | 1 | 6.2% | 100% | $375,000 | View |
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1004 Cornhusker Rd, Bellevue, NE 68123 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 3 | 18.8% | 100% | $251,666 | View |
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113 N Locust St, Grand Island, NE 68801 A+5.0 ★Texas Ratio: 1.90% |
Conventional | 1 | 6.2% | 100% | $85,000 | View |
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240 S 3rd St, Albion, NE 68620 A5.0 ★Texas Ratio: 12.96% |
Conventional | 1 | 6.2% | 100% | $25,000 | View |
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2121 Archer Rd, Archer, NE 68816 A+5.0 ★Texas Ratio: 5.83% |
Conventional | 1 | 6.2% | 100% | $35,000 | View |
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817 H St, Burwell, NE 68823 B-4.4 ★Texas Ratio: 22.68% |
Conventional | 1 | 6.2% | 100% | $135,000 | View |
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20041 Manderson St, Elkhorn, NE 68022 A+5.0 ★Texas Ratio: 2.29% |
FHA | 1 | 6.2% | 100% | $155,000 | View |
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524 Chief St, Benkelman, NE 69021 A+5.0 ★Texas Ratio: 3.23% |
FHA | 1 | 6.2% | 100% | $255,000 | View |
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★ 1 stars, 1 review 423 W 3rd St, Alliance, NE 69301 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Farm Credit Mid-America, Aca
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Conventional | 3 | 18.8% | 100% | $265,000 | |
Rocket Mortgage
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FHA | 1 | 6.2% | 100% | $155,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 6.2% | 100% | $105,000 | |
Mortgage Research Center
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VA | 1 | 6.2% | 100% | $145,000 |
Spalding Mortgage Rate Trends
Daily average mortgage rates for Nebraska compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Spalding, Nebraska
Looking for mortgage lenders near me or mortgage brokers near me in Spalding? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spalding in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spalding, NE
Use these to narrow the list above. Each category shows how many Spalding, NE lenders fit and what that kind of lender is usually best for.
Who Lends in Spalding, NE
Independent mortgage companies closed 37.5 percent of home loans in Spalding, Nebraska in 2025, banks 56.2 percent and credit unions 6.2 percent. Farm Credit Mid-America, Aca was the largest mortgage company, Citizens State Bank the largest bank and Archer Cooperative Credit Union the largest credit union. Among lenders headquartered in Nebraska, Citizens State Bank led with 1 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Nebraska. State documentary stamp tax paid by the seller of $3.32 per $1,000 of value effective July 18, 2026 under LB 1067 to fund workforce housing; the rate was $2.25 per $1,000 from 2005 through September 2, 2025 and $2.32 from September 3, 2025 to July 17, 2026, and it drops back to $2.32 on January 1, 2032. No mortgage recording tax.
More Nebraska Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Spalding, NE
By home loans closed in 2025, Citizens State Bank was the largest mortgage lender in Spalding, Nebraska with 1 loans, about 6.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Spalding, Nebraska in 2025, led by Charter West Bank with 1. 1 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 8 banks and 1 credit unions closed home loans in Spalding, Nebraska in 2025, alongside 4 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Spalding, Nebraska during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Spalding, Nebraska for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Spalding. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
