PlainLender
2024 data HMDA 2024 disclosure official source

Richardson County

198 mortgage applications, 16.7% denial rate. Verify FIPS 31147 with U.S. Census Bureau →

PlainLender home → About this data

Nebraska · FIPS 31147

Local mortgage market. Richardson County, Nebraska saw 198 HMDA-reported mortgage applications in 2024. Lenders originated 121 of those loans and denied 33, producing a denial rate of 16.7% and an approval (origination) rate of 61.1%. The average loan amount was $100,000 at an average note rate of 7.33%, with applicants self-reporting average annual income of $33K. 33 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.0x, meaning typical borrowers took on mortgages of about 3.0 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 31147 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

198
Applications
121
Originated
16.7%
Denial Rate
61.1%
Approval Rate
$100,000
Avg Loan Amount
7.33%
Avg Interest Rate
$33K
Avg Applicant Income
3.0x
Loan-to-Income Ratio

Nearby Lenders in Richardson 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 Frontier Bank 53 43.8%
2 West Gate Bank 9 7.4%
3 Rocket Mortgage 8 6.6%
4 State Bank of Table Rock 5 4.1%
5 First National Bank of Omaha 3 2.5%
Compare Frontier Bank vs West Gate Bank →

Frequently Asked Questions

How many mortgage applications were filed in Richardson County?
In the 2024 HMDA reporting year, 198 mortgage applications were filed in Richardson County, Nebraska. Of these, 121 were originated (approved and funded), while 33 were denied, resulting in a denial rate of 16.7%.
What is the mortgage denial rate in Richardson County?
The mortgage denial rate in Richardson County is 16.7%. The approval (origination) rate is 61.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Richardson County?
The average mortgage loan amount in Richardson County is $100,000. The average interest rate is 7.333%. The average applicant income is $33K.
What is the loan-to-income ratio in Richardson County?
The average loan-to-income ratio in Richardson County is 3.0x, meaning borrowers took on loans averaging 3.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Richardson County?
The top mortgage lenders in Richardson County by origination volume are Frontier Bank, West Gate Bank, Rocket Mortgage. In total, 33 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.