PlainLender
2024 data HMDA 2024 disclosure official source

Saunders County

913 mortgage applications, 9.1% denial rate. Verify FIPS 31155 with U.S. Census Bureau →

PlainLender home → About this data

Nebraska · FIPS 31155

Local mortgage market. Saunders County, Nebraska saw 913 HMDA-reported mortgage applications in 2024. Lenders originated 595 of those loans and denied 83, producing a denial rate of 9.1% and an approval (origination) rate of 65.2%. The average loan amount was $246,369 at an average note rate of 6.80%, with applicants self-reporting average annual income of $35K. 102 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.0x, meaning typical borrowers took on mortgages of about 7.0 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 31155 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

913
Applications
595
Originated
9.1%
Denial Rate
65.2%
Approval Rate
$246,369
Avg Loan Amount
6.80%
Avg Interest Rate
$35K
Avg Applicant Income
7.0x
Loan-to-Income Ratio

Nearby Lenders in Saunders 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 FirstBank of Nebraska 44 7.4%
2 West Gate Bank 38 6.4%
3 First National Bank of Omaha 34 5.7%
4 Union Bank and Trust Company 34 5.7%
5 Veridian Credit Union 28 4.7%
Compare FirstBank of Nebraska vs West Gate Bank →

Frequently Asked Questions

How many mortgage applications were filed in Saunders County?
In the 2024 HMDA reporting year, 913 mortgage applications were filed in Saunders County, Nebraska. Of these, 595 were originated (approved and funded), while 83 were denied, resulting in a denial rate of 9.1%.
What is the mortgage denial rate in Saunders County?
The mortgage denial rate in Saunders County is 9.1%. The approval (origination) rate is 65.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Saunders County?
The average mortgage loan amount in Saunders County is $246,369. The average interest rate is 6.805%. The average applicant income is $35K.
What is the loan-to-income ratio in Saunders County?
The average loan-to-income ratio in Saunders County is 7.0x, meaning borrowers took on loans averaging 7.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Saunders County?
The top mortgage lenders in Saunders County by origination volume are FirstBank of Nebraska, West Gate Bank, First National Bank of Omaha. In total, 102 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.