DSCR Loans in Nebraska
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
Dominick Prevete arranges DSCR loans across Nebraska, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. In 2025 HMDA data, 235 lenders made 3,768 investment-property loans in Nebraska; the most active are in the table below, and 3 counties have their own page.
Nebraska investor market at a glance
| Statistic | Nebraska | National | State rank |
|---|---|---|---|
| Investor loans | 3,768 | 553,332 | 36th of 51 |
| Reporting lenders | 235 | 4,120 | 38th of 51 |
| Loan volume | $727.8M | $190.57B | 38th of 51 |
| Average loan | $193K | $344K | 43rd of 51 |
| Median loan | $155K | — | 38th of 51 |
| Purchases | 62.3% | 59.2% | 18th of 51 |
| Cash-out refinances | 7.5% | 18.8% | 47th of 51 |
| 2–4 unit properties | 21.9% | 17.3% | 17th of 51 |
| Top five lenders' share | 24.0% | 21.9% | 18th of 51 |
| Reported business-purpose | 54.6% | 70.8% | 48th of 51 |
Nebraska: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Nebraska
54.6% of Nebraska's investor loans were reported as business-purpose, the 4th-lowest share of the 50 states and DC (national figure: 70.8%).
Fewer investor loans here were reported as business-purpose than in most of the 50 states and DC. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
7.5% of Nebraska's investor loans were cash-out refinances, the 5th-lowest share of the 50 states and DC (national figure: 18.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The average investor loan in Nebraska was $193K, the 9th-lowest average of the 50 states and DC (national figure: $344K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Nebraska?
The most active investment-property lenders in Nebraska in 2025 HMDA data were Pinnacle Bank, Union Bank and Trust Company and Exchange Bank, out of 235 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Nebraska, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Nebraska's 2025 filings to closed-end loans on 1–4 unit investment properties: 3,768 loans totaling $0.73B across 235 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Pinnacle Bank | 432 | $76.0M | $176K | 63.9% |
| Union Bank and Trust Company | 127 | $24.1M | $190K | 81.9% |
| Exchange Bank | 126 | $25.7M | $204K | 67.5% |
| First National Bank of Omaha | 117 | $16.8M | $143K | 67.5% |
| Dayspring Bank | 103 | $21.2M | $206K | 63.1% |
| Frontier Bank | 100 | $34.8M | $348K | 69.0% |
| Five Points Bank | 98 | $18.6M | $190K | 76.5% |
| WEST GATE BANK | 94 | $21.3M | $226K | 61.7% |
| FOUR POINTS | 90 | $15.4M | $171K | 90.0% |
| CHARTER WEST BANK | 88 | $14.8M | $169K | 72.7% |
| Lincoln FSB of Nebraska | 80 | $17.7M | $222K | 55.0% |
| CORNHUSKER BANK | 74 | $12.1M | $164K | 39.2% |
| Nebraska Bank of Commerce | 73 | $15.3M | $209K | 65.8% |
| Security First Bank | 71 | $9.1M | $129K | 62.0% |
| Cattle Bank & Trust | 69 | $12.2M | $176K | 53.6% |
| BankFirst | 61 | $12.3M | $202K | 73.8% |
| VERIDIAN CREDIT UNION | 60 | $12.4M | $206K | 73.3% |
| First State Bank Nebraska | 56 | $9.1M | $163K | 53.6% |
| Dundee Bank | 55 | $11.9M | $216K | 56.4% |
| Equitable Bank | 48 | $12.2M | $254K | 58.3% |
| Rocket Mortgage, LLC | 45 | $6.6M | $147K | 48.9% |
| United Wholesale Mortgage | 44 | $8.4M | $192K | 52.3% |
| Bruning Bank | 44 | $8.2M | $187K | 68.2% |
| RVR BANK | 43 | $6.7M | $155K | 62.8% |
| Loan Funder LLC | 42 | $9.4M | $224K | 2.4% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 235 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Nebraska lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
DSCR loans by county in Nebraska
Each county page compares the county's 2025 HMDA investor-lending figures with Nebraska's and names its most active lenders. Counties are listed by investor loan count.
3 Nebraska counties have their own page so far.
- Douglas County1,310 loans
- Lancaster County824 loans
- Sarpy County258 loans
- Hall County (fewer than 25 reporting lenders in 2025)142 loans
- Dodge County (fewer than 25 reporting lenders in 2025)115 loans
- Buffalo County (fewer than 100 investor loans in 2025)73 loans
- Adams County (fewer than 100 investor loans in 2025)68 loans
- Platte County (fewer than 100 investor loans in 2025)59 loans
- Cass County (fewer than 100 investor loans in 2025)53 loans
- Madison County (fewer than 100 investor loans in 2025)53 loans
- Lincoln County (fewer than 100 investor loans in 2025)51 loans
- Dakota County (fewer than 100 investor loans in 2025)50 loans
- Gage County (fewer than 100 investor loans in 2025)49 loans
- Saunders County (fewer than 100 investor loans in 2025)44 loans
- Otoe County (fewer than 100 investor loans in 2025)29 loans
- Seward County (fewer than 100 investor loans in 2025)29 loans
- Dawson County (fewer than 100 investor loans in 2025)28 loans
- Hamilton County (fewer than 100 investor loans in 2025)27 loans
- Merrick County (fewer than 100 investor loans in 2025)23 loans
- Richardson County (fewer than 100 investor loans in 2025)21 loans
- Washington County (fewer than 100 investor loans in 2025)21 loans
- Saline County (fewer than 100 investor loans in 2025)20 loans
- York County (fewer than 100 investor loans in 2025)20 loans
- Red Willow County (fewer than 100 investor loans in 2025)18 loans
- Cheyenne County (fewer than 100 investor loans in 2025)16 loans
- Custer County (fewer than 100 investor loans in 2025)16 loans
- Keith County (fewer than 100 investor loans in 2025)16 loans
- Scotts Bluff County (fewer than 100 investor loans in 2025)12 loans
- Dawes County (fewer than 100 investor loans in 2025)11 loans
- Colfax County (fewer than 100 investor loans in 2025)10 loans
- Pierce County (fewer than 100 investor loans in 2025)10 loans
- Sheridan County (fewer than 100 investor loans in 2025)10 loans
- Wayne County (fewer than 100 investor loans in 2025)10 loans
- Butler County (fewer than 100 investor loans in 2025)9 loans
- Dixon County (fewer than 100 investor loans in 2025)9 loans
- Howard County (fewer than 100 investor loans in 2025)9 loans
- Jefferson County (fewer than 100 investor loans in 2025)9 loans
- Thurston County (fewer than 100 investor loans in 2025)9 loans
- Box Butte County (fewer than 100 investor loans in 2025)8 loans
- Cherry County (fewer than 100 investor loans in 2025)8 loans
- Holt County (fewer than 100 investor loans in 2025)8 loans
- Nemaha County (fewer than 100 investor loans in 2025)8 loans
- Johnson County (fewer than 100 investor loans in 2025)7 loans
- Kearney County (fewer than 100 investor loans in 2025)7 loans
- Knox County (fewer than 100 investor loans in 2025)7 loans
- Polk County (fewer than 100 investor loans in 2025)7 loans
- Burt County (fewer than 100 investor loans in 2025)6 loans
- Chase County (fewer than 100 investor loans in 2025)6 loans
- Cuming County (fewer than 100 investor loans in 2025)6 loans
- Webster County (fewer than 100 investor loans in 2025)6 loans
- Antelope County (fewer than 100 investor loans in 2025)5 loans
- Perkins County (fewer than 100 investor loans in 2025)5 loans
- Phelps County (fewer than 100 investor loans in 2025)5 loans
- Clay County (fewer than 100 investor loans in 2025)4 loans
- Furnas County (fewer than 100 investor loans in 2025)4 loans
- Thayer County (fewer than 100 investor loans in 2025)4 loans
- Deuel County (fewer than 100 investor loans in 2025)3 loans
- Garfield County (fewer than 100 investor loans in 2025)3 loans
- Greeley County (fewer than 100 investor loans in 2025)3 loans
- Harlan County (fewer than 100 investor loans in 2025)3 loans
- Kimball County (fewer than 100 investor loans in 2025)3 loans
- Nance County (fewer than 100 investor loans in 2025)3 loans
- Pawnee County (fewer than 100 investor loans in 2025)3 loans
- Valley County (fewer than 100 investor loans in 2025)3 loans
- Brown County (fewer than 100 investor loans in 2025)2 loans
- Cedar County (fewer than 100 investor loans in 2025)2 loans
- Fillmore County (fewer than 100 investor loans in 2025)2 loans
- Franklin County (fewer than 100 investor loans in 2025)2 loans
- Hooker County (fewer than 100 investor loans in 2025)2 loans
- Loup County (fewer than 100 investor loans in 2025)2 loans
- Nuckolls County (fewer than 100 investor loans in 2025)2 loans
- Stanton County (fewer than 100 investor loans in 2025)2 loans
- Wheeler County (fewer than 100 investor loans in 2025)2 loans
- Boyd County (fewer than 100 investor loans in 2025)1 loans
- Frontier County (fewer than 100 investor loans in 2025)1 loans
- Logan County (fewer than 100 investor loans in 2025)1 loans
- Morrill County (fewer than 100 investor loans in 2025)1 loans
- Sherman County (fewer than 100 investor loans in 2025)1 loans
- Sioux County (fewer than 100 investor loans in 2025)1 loans
- Thomas County (fewer than 100 investor loans in 2025)1 loans
Run the coverage test on your Nebraska deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Nebraska property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Nebraska's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 235 lenders and 3,768 loans: 2025 HMDA loan-level data.
- Nebraska investor-lender dataset (CSV) — Every Nebraska lender behind the table above, with volume, average loan and purchase share for each.
- Nebraska investor lending data, Dominick Prevete — The Nebraska table on its own, with the state's concentration figures and the method behind them.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.