PlainLender
2024 data HMDA 2024 disclosure official source

Sarpy County

9,591 mortgage applications, 11.1% denial rate. Verify FIPS 31153 with U.S. Census Bureau →

PlainLender home → About this data

Nebraska · FIPS 31153

Local mortgage market. Sarpy County, Nebraska saw 9,591 HMDA-reported mortgage applications in 2024. Lenders originated 5,508 of those loans and denied 1,061, producing a denial rate of 11.1% and an approval (origination) rate of 57.4%. The average loan amount was $251,444 at an average note rate of 6.81%, with applicants self-reporting average annual income of $37K. 247 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.8x, meaning typical borrowers took on mortgages of about 6.8 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 31153 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

9,591
Applications
5,508
Originated
11.1%
Denial Rate
57.4%
Approval Rate
$251,444
Avg Loan Amount
6.81%
Avg Interest Rate
$37K
Avg Applicant Income
6.8x
Loan-to-Income Ratio

Nearby Lenders in Sarpy 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 First National Bank of Omaha 425 7.7%
2 Veridian Credit Union 371 6.7%
3 Centris Federal Credit Union 273 5.0%
4 Rocket Mortgage 219 4.0%
5 Mortgage Research Center 216 3.9%
Compare First National Bank of Omaha vs Veridian Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Sarpy County?
In the 2024 HMDA reporting year, 9,591 mortgage applications were filed in Sarpy County, Nebraska. Of these, 5,508 were originated (approved and funded), while 1,061 were denied, resulting in a denial rate of 11.1%.
What is the mortgage denial rate in Sarpy County?
The mortgage denial rate in Sarpy County is 11.1%. The approval (origination) rate is 57.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Sarpy County?
The average mortgage loan amount in Sarpy County is $251,444. The average interest rate is 6.813%. The average applicant income is $37K.
What is the loan-to-income ratio in Sarpy County?
The average loan-to-income ratio in Sarpy County is 6.8x, meaning borrowers took on loans averaging 6.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Sarpy County?
The top mortgage lenders in Sarpy County by origination volume are First National Bank of Omaha, Veridian Credit Union, Centris Federal Credit Union. In total, 247 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.