Mortgage lending in Phelps County, Nebraska

Lenders in Phelps County, Nebraska reported 229 mortgage applications for 2025, according to the CFPB.

229 mortgage applications and 140 loans originated in 2025; the denial rate was 18.5% of 178 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Phelps County, NE.

229
Applications: 140
Loans originated: 18.5%
Denial rate: 33 denied of 178 applications decided.

Every year

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Mortgage applications and loans originated in Phelps County, Nebraska, by year
Year	Applications	Originated	Denied
2025	229	140	33
2024	204	129	39
2023	145	89	23
2022	200	135	22
2021	284	180	45
2020	235	165	35
2019	188	135	31
2018	229	159	47

The largest lenders here

Lenders in Phelps County, Nebraska by loans originated, 2025
Lender	Originated	Applications
Rocket Mortgage	17	22
Pinnacle Bank	12	18
West Gate Bank	12	12
Lincoln Federal SVGS BK of NE	10	12
US Bank, N.A.	8	15
FirsTier Bank	7	8
Bruning Bank	7	12
Security First Bank	7	8
Mortgage Research Center	6	12
United Wholesale Mortgage	4	6
First Interstate Bank	4	5
Home Federal Savings and Loan	3	6
Plains Commerce Bank	3	3
Freedom Mortgage Corporation	3	6
Trius Federal Credit Union	2	7
Farm Credit Mid-America, Aca	2	2
Fairway Independent Mort Corp	2	2
Gershman Investment Corp.	2	2
First National Bank of Omaha	2	2
Empeople Credit Union	1	5
Union State Bank of Everest	1	1
Tomo Mortgage LLC	1	1
Figure Lending LLC	1	2
Primelending	1	2
Coastal Community Bank	1	2

Applications by race, ethnicity and sex, 2025

By race, Phelps County, Nebraska: applications and denial rate
Category	Applications	Denial rate
American Indian or Alaska Native	under 10
Asian	under 10
Black or African American	under 10
White	188	17.0% of 147 decided
Joint	under 10
Race Not Available	32	no rate: base under 50

By ethnicity, Phelps County, Nebraska: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	withheld
Not Hispanic or Latino	176	17.2% of 134 decided
Joint	under 10
Ethnicity Not Available	31	no rate: base under 50

By sex, Phelps County, Nebraska: applications and denial rate
Category	Applications	Denial rate
Male	63	no rate: base under 50
Female	38	no rate: base under 50
Joint	102	13.9% of 79 decided
Sex Not Available	26	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. 1801 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 October 22, 2026