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2024 data HMDA 2024 disclosure official source

Nemaha County

233 mortgage applications, 12.9% denial rate. Verify FIPS 20131 with U.S. Census Bureau →

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Kansas · FIPS 20131

Local mortgage market. Nemaha County, Kansas saw 233 HMDA-reported mortgage applications in 2024. Lenders originated 150 of those loans and denied 30, producing a denial rate of 12.9% and an approval (origination) rate of 64.4%. The average loan amount was $167,489 at an average note rate of 6.93%, with applicants self-reporting average annual income of $36K. 36 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 20131 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

233
Applications
150
Originated
12.9%
Denial Rate
64.4%
Approval Rate
$167,489
Avg Loan Amount
6.93%
Avg Interest Rate
$36K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Nemaha County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 United Bank & Trust 35 23.3%
2 First Heritage Bank 26 17.3%
3 Community National Bank 23 15.3%
4 Rocket Mortgage 17 11.3%
5 Flagstar Bank NA 7 4.7%
Compare United Bank & Trust vs First Heritage Bank →

Frequently Asked Questions

How many mortgage applications were filed in Nemaha County?
In the 2024 HMDA reporting year, 233 mortgage applications were filed in Nemaha County, Kansas. Of these, 150 were originated (approved and funded), while 30 were denied, resulting in a denial rate of 12.9%.
What is the mortgage denial rate in Nemaha County?
The mortgage denial rate in Nemaha County is 12.9%. The approval (origination) rate is 64.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Nemaha County?
The average mortgage loan amount in Nemaha County is $167,489. The average interest rate is 6.926%. The average applicant income is $36K.
What is the loan-to-income ratio in Nemaha County?
The average loan-to-income ratio in Nemaha County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Nemaha County?
The top mortgage lenders in Nemaha County by origination volume are United Bank & Trust, First Heritage Bank, Community National Bank. In total, 36 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.