Mortgage lending in Clay County, Nebraska
Lenders in Clay County, Nebraska reported 169 mortgage applications for 2025, according to the CFPB.
169 mortgage applications and 114 loans originated in 2025; the denial rate was 13.6% of 140 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Clay County, NE.
- 169
- Applications
- 114
- Loans originated
- 13.6%
- Denial rate
- 19 denied of 140 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 169 | 114 |
| 2024 | 149 | 83 |
| 2023 | 158 | 107 |
| 2022 | 195 | 123 |
| 2021 | 245 | 170 |
| 2020 | 188 | 129 |
| 2019 | 136 | 91 |
| 2018 | 135 | 85 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Pinnacle Bank | 25 | 29 |
| West Gate Bank | 16 | 17 |
| Cornerstone Bank | 10 | 13 |
| Rocket Mortgage | 8 | 12 |
| US Bank, N.A. | 6 | 7 |
| Charter West Bank | 5 | 8 |
| MNB Bank | 4 | 4 |
| Coastal Community Bank | 4 | 5 |
| Heartland Bank | 3 | 4 |
| Farm Credit Mid-America, Aca | 3 | 5 |
| Mortgage Research Center | 3 | 6 |
| Heritage Bank | 2 | 2 |
| United Wholesale Mortgage | 2 | 2 |
| Peoples Mortgage Company | 2 | 2 |
| Union Bank and Trust Company | 2 | 3 |
| Pennymac Loan Services LLC | 2 | 3 |
| Lendage, LLC Dba Achieve Loans | 1 | 1 |
| Frontier Bank | 1 | 1 |
| Home Federal Savings and Loan | 1 | 2 |
| FirstBank of Nebraska | 1 | 1 |
| University of Nebraska Federal Credit Union | 1 | 1 |
| Figure Lending LLC | 1 | 1 |
| Nebraska Bank of Commerce | 1 | 1 |
| HomeBridge Financial Services, Inc | 1 | 1 |
| Gold Star Mortgage Financial Group, Corporation | 1 | 1 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 150 | 12.5% of 128 decided |
| Joint | under 10 | |
| Race Not Available | 16 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 143 | 13.3% of 120 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 18 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 54 | no rate: base under 50 |
| Female | 46 | no rate: base under 50 |
| Joint | 58 | 0.0% of 51 decided |
| Sex Not Available | 11 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2028 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved