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Hall County, Nebraska
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Hall County, Nebraska, saw 1,514 HMDA-reported applications and 1,071 originations ($197m) in 2024.
That is 43.6 originations per 1,000 households, against 48.1 for Nebraska and 48.0 nationally.
The county's denial rate was 15.7%, close to the state rate of 17.2%. The median rate spread on originated loans was 0.5 percentage points and 17.6% of originations were 1.5 points or more above the average prime offer rate.
19 lenders reached 25 applications in the county; the most active by originations were Exchange Bank (88), Five Points Bank (83) and First National Bank of Omaha (72).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Exchange Bank | 92 | 88 | $21m | 0.0% | — |
| 2 | Five Points Bank | 93 | 83 | $11m | 5.7% | — |
| 3 | First National Bank of Omaha | 112 | 72 | $11m | 20.7% | — |
| 4 | Pinnacle Bank | 88 | 69 | $14m | 11.4% | — |
| 5 | Peoples Mortgage Company | 76 | 65 | $14m | 0.0% | — |
| 6 | Home Federal Savings and Loan | 73 | 63 | $9.0m | 4.4% | — |
| 7 | Charter West Bank | 88 | 61 | $14m | 10.1% | — |
| 8 | Fairway Independent Mort Corp | 67 | 59 | $10m | 1.7% | — |
| 9 | Rocket Mortgage | 66 | 50 | $9.1m | 16.4% | — |
| 10 | Centris Federal Credit Union | 68 | 46 | $4.1m | 21.3% | — |
| 11 | Gateway First Bank | 49 | 42 | $8.2m | 6.7% | — |
| 12 | Bruning Bank | 44 | 40 | $12m | 2.4% | — |
| 13 | Equitable Bank | 48 | 39 | $6.7m | 9.1% | — |
| 14 | Pathway Bank | 39 | 33 | $4.0m | 15.4% | — |
| 15 | West Gate Bank | 32 | 29 | $6.1m | 0.0% | — |
| 16 | Union Bank and Trust Company | 28 | 17 | $2.9m | — | — |
| 17 | Us Bank, N.A. | 59 | 14 | $1.5m | 70.2% | — |
| 18 | Discover Bank | 37 | 10 | $790k | 69.7% | — |
| 19 | Wells Fargo Bank NA | 26 | 9 | $2.1m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 19. Denial rate is denials over decided applications in this county.
Compared with Nebraska and the nation
| Measure | This county | Nebraska | United States |
|---|---|---|---|
| Denial rate | 15.7% | 17.2% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.6% | 13.8% | 15.6% |
| Average originated loan | $184k | $231k | $329k |
| Originations per 1,000 households | 43.6 | 48.1 | 48.0 |
| Home purchase share of originations | 61.2% | 59.8% | 57.0% |
| FHA-insured share | 17.1% | 10.4% | 13.4% |
| VA-guaranteed share | 4.1% | 8.7% | 7.9% |
Rate spread distribution
Share of 706 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Nebraska). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 61% (655)Home improvement 9% (94)Refinancing 10% (109)Cash-out refinancing 11% (115)Other purpose 9% (98)
By type
Conventional 79% (843)FHA 17% (183)VA 4% (44)USDA 0% (1)
Trend by year
ApplicationsOriginations
This countyNebraska
Questions and answers
Which lenders are most active in Hall County, NE?
By 2024 originations: Exchange Bank (88), Five Points Bank (83), First National Bank of Omaha (72), Pinnacle Bank (69), Peoples Mortgage Company (65). 19 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Hall County?
15.7% of decided applications were denied in 2024, against 17.2% across Nebraska and 24.3% nationally.
How many mortgages were originated in Hall County in 2024?
1,071 loans totalling $197m, from 1,514 applications; 43.6 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 31079; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.