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2024 data HMDA 2024 disclosure official source

Seward County

532 mortgage applications, 9.4% denial rate. Verify FIPS 31159 with U.S. Census Bureau →

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Nebraska · FIPS 31159

Local mortgage market. Seward County, Nebraska saw 532 HMDA-reported mortgage applications in 2024. Lenders originated 316 of those loans and denied 50, producing a denial rate of 9.4% and an approval (origination) rate of 59.4%. The average loan amount was $218,966 at an average note rate of 6.75%, with applicants self-reporting average annual income of $37K. 58 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.9x, meaning typical borrowers took on mortgages of about 5.9 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 31159 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

532
Applications
316
Originated
9.4%
Denial Rate
59.4%
Approval Rate
$218,966
Avg Loan Amount
6.75%
Avg Interest Rate
$37K
Avg Applicant Income
5.9x
Loan-to-Income Ratio

Nearby Lenders in Seward 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 City Bank & Trust Co. 59 18.7%
2 Jones Bank 31 9.8%
3 Union Bank and Trust Company 28 8.9%
4 West Gate Bank 22 7.0%
5 Liberty First Credit Union 21 6.6%
Compare City Bank & Trust Co. vs Jones Bank →

Frequently Asked Questions

How many mortgage applications were filed in Seward County?
In the 2024 HMDA reporting year, 532 mortgage applications were filed in Seward County, Nebraska. Of these, 316 were originated (approved and funded), while 50 were denied, resulting in a denial rate of 9.4%.
What is the mortgage denial rate in Seward County?
The mortgage denial rate in Seward County is 9.4%. The approval (origination) rate is 59.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Seward County?
The average mortgage loan amount in Seward County is $218,966. The average interest rate is 6.750%. The average applicant income is $37K.
What is the loan-to-income ratio in Seward County?
The average loan-to-income ratio in Seward County is 5.9x, meaning borrowers took on loans averaging 5.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Seward County?
The top mortgage lenders in Seward County by origination volume are City Bank & Trust Co., Jones Bank, Union Bank and Trust Company. In total, 58 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.