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2024 data HMDA 2024 disclosure official source

Buffalo County

1,338 mortgage applications, 11.9% denial rate. Verify FIPS 31019 with U.S. Census Bureau →

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Nebraska · FIPS 31019

Local mortgage market. Buffalo County, Nebraska saw 1,338 HMDA-reported mortgage applications in 2024. Lenders originated 766 of those loans and denied 159, producing a denial rate of 11.9% and an approval (origination) rate of 57.2%. The average loan amount was $240,419 at an average note rate of 6.78%, with applicants self-reporting average annual income of $37K. 91 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.5x, meaning typical borrowers took on mortgages of about 6.5 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 31019 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,338
Applications
766
Originated
11.9%
Denial Rate
57.2%
Approval Rate
$240,419
Avg Loan Amount
6.78%
Avg Interest Rate
$37K
Avg Applicant Income
6.5x
Loan-to-Income Ratio

Nearby Lenders in Buffalo 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 Pinnacle Bank 171 22.3%
2 First National Bank of Omaha 119 15.5%
3 West Gate Bank 59 7.7%
4 Five Points Bank 52 6.8%
5 Rocket Mortgage 45 5.9%
Compare Pinnacle Bank vs First National Bank of Omaha →

Frequently Asked Questions

How many mortgage applications were filed in Buffalo County?
In the 2024 HMDA reporting year, 1,338 mortgage applications were filed in Buffalo County, Nebraska. Of these, 766 were originated (approved and funded), while 159 were denied, resulting in a denial rate of 11.9%.
What is the mortgage denial rate in Buffalo County?
The mortgage denial rate in Buffalo County is 11.9%. The approval (origination) rate is 57.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Buffalo County?
The average mortgage loan amount in Buffalo County is $240,419. The average interest rate is 6.784%. The average applicant income is $37K.
What is the loan-to-income ratio in Buffalo County?
The average loan-to-income ratio in Buffalo County is 6.5x, meaning borrowers took on loans averaging 6.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Buffalo County?
The top mortgage lenders in Buffalo County by origination volume are Pinnacle Bank, First National Bank of Omaha, West Gate Bank. In total, 91 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.