Red Willow County
Nebraska · FIPS 31145
According to CFPB HMDA 2024 application volume among U.S. counties, Red Willow County ranks #2,187 of 3,210, and #22 of 93 in Nebraska.
Mortgage lending activity in Red Willow County, Nebraska based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Red Willow County, Nebraska saw 385 HMDA-reported mortgage applications in 2024. Lenders originated 188 of those loans and denied 63, producing a denial rate of 16.4% and an approval (origination) rate of 48.8%. The average loan amount was $149,597 at an average note rate of 7.12%, with applicants self-reporting average annual income of $36K. 34 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Red Willow County
In Red Willow County, lead originator Charter West Bank funded 26.6% of 188 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 66.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Red Willow County's 385 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Red Willow County's $149,597 average loan (deduped against volume peers).
Lenders active in Red Willow County
Charter West Bank funded 50 of the 188 loans originated in Red Willow County, 26.6% of the county. 34 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Charter West Bank | 50 | 26.6% |
| 2 | MNB Bank | 50 | 26.6% |
| 3 | Pinnacle Bank | 25 | 13.3% |
| 4 | Rocket Mortgage | 19 | 10.1% |
| 5 | First Interstate Bank | 4 | 2.1% |
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; does not constitute financial advice for Red Willow County borrowers.
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 Red Willow County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.