Mortgage lending in Howard County, Nebraska
Lenders in Howard County, Nebraska reported 201 mortgage applications for 2025, according to the CFPB.
201 mortgage applications and 129 loans originated in 2025; the denial rate was 17.4% of 167 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: Howard County, NE HUD Metro FMR Area.
- 201
- Applications
- 129
- Loans originated
- 17.4%
- Denial rate
- 29 denied of 167 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 201 | 129 |
| 2024 | 162 | 102 |
| 2023 | 145 | 99 |
| 2022 | 169 | 127 |
| 2021 | 296 | 212 |
| 2020 | 277 | 200 |
| 2019 | 192 | 135 |
| 2018 | 219 | 145 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Five Points Bank | 12 | 13 |
| Pinnacle Bank | 10 | 13 |
| Archer Cooperative Credit Union | 10 | 14 |
| Citizens Bank & Trust Col. | 8 | 9 |
| West Gate Bank | 8 | 10 |
| Home Federal Savings and Loan | 6 | 6 |
| Peoples Mortgage Company | 6 | 6 |
| First National Bank of Omaha | 6 | 11 |
| Rocket Mortgage | 5 | 11 |
| Charter West Bank | 5 | 5 |
| Pathway Bank | 5 | 7 |
| Heritage Bank | 4 | 4 |
| United Wholesale Mortgage | 4 | 6 |
| Farm Credit Mid-America, Aca | 3 | 5 |
| Castle & Cooke Mortgage, LLC | 3 | 3 |
| Equitable Bank | 3 | 4 |
| Centris Federal Credit Union | 3 | 5 |
| Exchange Bank | 2 | 2 |
| Plains Commerce Bank | 2 | 2 |
| Freedom Mortgage Corporation | 2 | 5 |
| Spring Eq, LLC | 2 | 3 |
| Union Bank and Trust Company | 2 | 3 |
| NBKC Bank | 1 | 1 |
| MNB Bank | 1 | 1 |
| Sofi Bank, National Association | 1 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| White | 181 | 17.8% of 152 decided |
| Joint | under 10 | |
| Race Not Available | 15 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 170 | 17.5% of 143 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 17 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 53 | no rate: base under 50 |
| Female | 38 | no rate: base under 50 |
| Joint | 98 | 15.7% of 83 decided |
| Sex Not Available | 12 | 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. 2030 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