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2024 data HMDA 2024 disclosure official source

Gage County

747 mortgage applications, 13.5% denial rate. Verify FIPS 31067 with U.S. Census Bureau →

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Nebraska · FIPS 31067

Local mortgage market. Gage County, Nebraska saw 747 HMDA-reported mortgage applications in 2024. Lenders originated 418 of those loans and denied 101, producing a denial rate of 13.5% and an approval (origination) rate of 56.0%. The average loan amount was $164,853 at an average note rate of 6.83%, with applicants self-reporting average annual income of $36K. 79 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 31067 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

747
Applications
418
Originated
13.5%
Denial Rate
56.0%
Approval Rate
$164,853
Avg Loan Amount
6.83%
Avg Interest Rate
$36K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Gage 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 58 13.9%
2 First State Bank Nebraska 32 7.7%
3 Rocket Mortgage 29 6.9%
4 First National Bank of Omaha 27 6.5%
5 Security First Bank 19 4.5%
Compare Pinnacle Bank vs First State Bank Nebraska →

Frequently Asked Questions

How many mortgage applications were filed in Gage County?
In the 2024 HMDA reporting year, 747 mortgage applications were filed in Gage County, Nebraska. Of these, 418 were originated (approved and funded), while 101 were denied, resulting in a denial rate of 13.5%.
What is the mortgage denial rate in Gage County?
The mortgage denial rate in Gage County is 13.5%. The approval (origination) rate is 56.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Gage County?
The average mortgage loan amount in Gage County is $164,853. The average interest rate is 6.834%. The average applicant income is $36K.
What is the loan-to-income ratio in Gage County?
The average loan-to-income ratio in Gage County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Gage County?
The top mortgage lenders in Gage County by origination volume are Pinnacle Bank, First State Bank Nebraska, Rocket Mortgage. In total, 79 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.