PlainLender
2024 data HMDA 2024 disclosure official source

Furnas County

117 mortgage applications, 6.0% denial rate. Verify FIPS 31065 with U.S. Census Bureau →

PlainLender home → About this data

Nebraska · FIPS 31065

Local mortgage market. Furnas County, Nebraska saw 117 HMDA-reported mortgage applications in 2024. Lenders originated 60 of those loans and denied 7, producing a denial rate of 6.0% and an approval (origination) rate of 51.3%. The average loan amount was $125,769 at an average note rate of 6.91%, with applicants self-reporting average annual income of $35K. 27 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.6x, meaning typical borrowers took on mortgages of about 3.6 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 31065 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

117
Applications
60
Originated
6.0%
Denial Rate
51.3%
Approval Rate
$125,769
Avg Loan Amount
6.91%
Avg Interest Rate
$35K
Avg Applicant Income
3.6x
Loan-to-Income Ratio

Nearby Lenders in Furnas 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 Charter West Bank 18 30.0%
2 Rocket Mortgage 10 16.7%
3 Castle & Cooke Mortgage, LLC 3 5.0%
4 First National Bank of Omaha 2 3.3%
5 Us Bank, N.A. 2 3.3%
Compare Charter West Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Furnas County?
In the 2024 HMDA reporting year, 117 mortgage applications were filed in Furnas County, Nebraska. Of these, 60 were originated (approved and funded), while 7 were denied, resulting in a denial rate of 6.0%.
What is the mortgage denial rate in Furnas County?
The mortgage denial rate in Furnas County is 6.0%. The approval (origination) rate is 51.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Furnas County?
The average mortgage loan amount in Furnas County is $125,769. The average interest rate is 6.910%. The average applicant income is $35K.
What is the loan-to-income ratio in Furnas County?
The average loan-to-income ratio in Furnas County is 3.6x, meaning borrowers took on loans averaging 3.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Furnas County?
The top mortgage lenders in Furnas County by origination volume are Charter West Bank, Rocket Mortgage, Castle & Cooke Mortgage, LLC. In total, 27 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.