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2024 data HMDA 2024 disclosure official source

Hall County

1,773 mortgage applications, 11.6% denial rate. Verify FIPS 31079 with U.S. Census Bureau →

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Nebraska · FIPS 31079

Local mortgage market. Hall County, Nebraska saw 1,773 HMDA-reported mortgage applications in 2024. Lenders originated 1,070 of those loans and denied 205, producing a denial rate of 11.6% and an approval (origination) rate of 60.3%. The average loan amount was $184,938 at an average note rate of 6.95%, with applicants self-reporting average annual income of $39K. 77 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 31079 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,773
Applications
1,070
Originated
11.6%
Denial Rate
60.3%
Approval Rate
$184,938
Avg Loan Amount
6.95%
Avg Interest Rate
$39K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Hall 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 Exchange Bank 88 8.2%
2 Five Points Bank 83 7.8%
3 First National Bank of Omaha 72 6.7%
4 Pinnacle Bank 69 6.4%
5 Peoples Mortgage Company 65 6.1%
Compare Exchange Bank vs Five Points Bank →

Frequently Asked Questions

How many mortgage applications were filed in Hall County?
In the 2024 HMDA reporting year, 1,773 mortgage applications were filed in Hall County, Nebraska. Of these, 1,070 were originated (approved and funded), while 205 were denied, resulting in a denial rate of 11.6%.
What is the mortgage denial rate in Hall County?
The mortgage denial rate in Hall County is 11.6%. The approval (origination) rate is 60.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hall County?
The average mortgage loan amount in Hall County is $184,938. The average interest rate is 6.953%. The average applicant income is $39K.
What is the loan-to-income ratio in Hall County?
The average loan-to-income ratio in Hall 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 Hall County?
The top mortgage lenders in Hall County by origination volume are Exchange Bank, Five Points Bank, First National Bank of Omaha. In total, 77 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.