Wheeler County
Nebraska · FIPS 31183
According to CFPB HMDA 2024 application volume among U.S. counties, Wheeler County ranks #3,176 of 3,223, and #83 of 93 in Nebraska.
Mortgage lending activity in Wheeler 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. Wheeler County, Nebraska lenders denied 1 of the applications reported here, financing the rest at an average note rate of 5.86%, with applicants self-reporting average annual income of $47K. 7 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.6x, meaning typical borrowers took on mortgages of about 3.6 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 Wheeler County
In Wheeler County, lead originator First Interstate Bank funded 18.2% of 11 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 54.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Wheeler County's 14 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wheeler County's $168,571 average loan (deduped against volume peers).
Lenders active in Wheeler County
First Interstate Bank funded 2 of the 11 loans originated in Wheeler County, 18.2% of the county. 7 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First Interstate Bank | 2 | 18.2% |
| 2 | West Gate Bank | 2 | 18.2% |
| 3 | Rocket Mortgage | 2 | 18.2% |
| 4 | Farmers and Merchants Bank | 2 | 18.2% |
| 5 | Newrez LLC | 1 | 9.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Wheeler County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Wheeler County borrowers. 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.