Dayspring Bank mortgage approval rate & lending review
Dayspring Bank decided 419 mortgage applications and funded 387 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Dayspring Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Dayspring Bank at a glance
Approval is 14.0 points above the 83.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 145 / 148 | 99% | $235K | 144 |
| Investment property purchase | 99% | 153 / 155 | 95% | $145K | 146 |
| Investment cash-out refinance | 100% | 29 / 29 | 97% | $135K | 28 |
| Investment refinance | 98% | 51 / 52 | 76% | $135K | 39 |
Dayspring Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Nebraska | 97% | $145K | 373 | 344 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Dayspring Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, NE | Investment property purchase | 98% | 126 | 118 |
| Douglas County, NE | Mortgage lenders | 98% | 90 | 88 |
| Sarpy County, NE | Mortgage lenders | 97% | 36 | 35 |
| Douglas County, NE | Investment refinance | 98% | 42 | 31 |
| Douglas County, NE | Investment cash-out refinance | 100% | 27 | 26 |
The county markets where Dayspring Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Dayspring Bank
What is Dayspring Bank's mortgage approval rate?
Dayspring Bank approved 97.6% of the 419 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.0 points above the 83.6% national rate for the same mix of loan types.
How often do borrowers take the loan Dayspring Bank offers?
Borrowers accepted 95% of the loans Dayspring Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Dayspring Bank make?
The typical investment property mortgage loan Dayspring Bank made was $145K; across all loan types its typical loan ran from $135K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Dayspring Bank lend?
Dayspring Bank decided applications in 16 of the states Fat Boy Data covers, most of them in Nebraska, Arizona and Florida.
Can I apply to Dayspring Bank directly?
Yes. Dayspring Bank is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Dayspring Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Dayspring Bank treats applications, then get a rate quote from the lender.