# Dayspring Bank

> **Canonical URL:** https://saferate.com/lenders/dayspring-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Dayspring Bank is a bank, headquartered in Gothenburg, NE, serving borrowers across 9 states, with 139 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300OYN1WD4APNOU82
- **Headquarters:** Gothenburg, NE
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AL, CO, FL, IA, MO, NE, NV, SC, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.091%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,355
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 139
- **Dollar Volume:** $34 million
- **Applications Received:** 163
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $242,914
- **Average Borrower Income:** $110,842
- **Average Property Value:** $309,820

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 120 | +0.098% | $1,419 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 112 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 129 | $31M | +0.107% | Sound ☺️ |
| Refinance | 20/100 | 10 | $3M | -0.256% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 125 | 0.58% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 74 | 56/100 |
| Omaha, NE | NE-IA | 55 | 68/100 |

## Where This Lender Ranks

Dayspring Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Omaha, NE Banks
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks)
- 🏆 **#14** in Nebraska Banks
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks)
- 🏆 **#14** in Nebraska for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#17** in Omaha, NE
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders)
- 🏆 **#18** in Nebraska
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Dayspring Bank offer?

Dayspring Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Dayspring Bank offer mortgages?

Dayspring Bank offers mortgages in 9 states: AL, CO, FL, IA, MO, NE, NV, SC, TX.

### How competitive are Dayspring Bank's mortgage rates?

Dayspring Bank has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.091% above market average.

### What type of lender is Dayspring Bank?

Dayspring Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Gothenburg, NE.

### What is Dayspring Bank's loan approval success rate?

Dayspring Bank has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/dayspring-bank

### How to Cite

> "Dayspring Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/dayspring-bank

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