PlainLender

Pathway Bank

Cairo, NE

Pathway Bank processed 82 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 63 loans with a 23.2% denial rate. Home Purchase was the primary loan purpose. Based in Cairo, NE. The approval rate of 76.8% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Pathway Bank processed 82 HMDA-reported mortgage applications in 2024, originating 63 loans and denying 19 for a denial rate of 23.2%. The average loan amount was $148,537. The lender reports under LEI 549300RMLDF2S89MUC93 from Cairo, NE.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Pathway Bank's 76.8% origination rate tells you how often an application turned into funded money; the 23.2% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (82 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

82
Applications
63
Originated
23.2%
Denial Rate
$148,537
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 82 63 19 $148,537

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Pathway Bank (LEI: 549300RMLDF2S89MUC93) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
13
Debt-to-income ratio
10

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 35 23 $167,000
Cash-out Refinancing 23 17 $91,957
Refinancing 18 17 $217,222
Home Improvement 5 5 $49,000
Other 1 1 $65,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 46 71.7% 28.3%
Asian 2 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 44 72.7% 27.3%
Joint 2 0.0% 100.0%
Hispanic or Latino 1 100.0% 0.0%

Nearby Lenders in NE

Other HMDA-reporting lenders in NE with similar activity. Compare any two side-by-side.

FIRST NATIONAL BANK OF OMAHA

OMAHA, NE

7,537 apps 4,818 originated 17.0% denied

West Gate Bank

Lincoln, NE

3,589 apps 2,003 originated 3.0% denied

PINNACLE BANK

LINCOLN, NE

3,058 apps 2,573 originated 5.0% denied

Charter West Bank

West Point, NE

2,250 apps 1,580 originated 7.3% denied

Centris Federal Credit Union

Omaha, NE

2,107 apps 1,318 originated 19.9% denied
Compare Pathway Bank vs FIRST NATIONAL BANK OF OMAHA →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Pathway Bank process?
Pathway Bank processed 82 mortgage applications in the 2023 HMDA reporting year. Of these, 63 were originated (approved and funded), and 19 were denied.
What is Pathway Bank's mortgage approval rate?
Pathway Bank has an approval (origination) rate of 76.8%, meaning 76.8% of all applications resulted in a funded mortgage. The denial rate is 23.2%.
What is the average loan amount at Pathway Bank?
The average mortgage loan amount at Pathway Bank is $148,537.
What are the most common reasons for mortgage denial at Pathway Bank?
The most common reasons for mortgage denial at Pathway Bank are: Credit history, Debt-to-income ratio. In total, 19 applications were denied out of 82 total applications.
What types of mortgage loans does Pathway Bank offer?
Pathway Bank processes Conventional loans. The most common type is Conventional with 82 applications and an average loan amount of $148,537.
What loan purposes does Pathway Bank serve?
Pathway Bank serves the following loan purposes: Home Purchase (35 applications), Cash-out Refinancing (23 applications), Refinancing (18 applications), Home Improvement (5 applications), Other (1 applications). Home Purchase is the most common purpose.
Where is Pathway Bank located?
Pathway Bank is headquartered in Cairo, NE. The lender is identified by LEI 549300RMLDF2S89MUC93 in HMDA data.
How does Pathway Bank compare in lending across racial demographics?
Pathway Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 71.7% and denial rate of 28.3%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.