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Howard 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.
Howard County, Nebraska, saw 162 HMDA-reported applications and 102 originations ($23m) in 2024.
That is 40.7 originations per 1,000 households, against 48.1 for Nebraska and 48.0 nationally.
The county's denial rate was 27.3%, above the state rate of 17.2%. The median rate spread on originated loans was 0.5 percentage points and 12.9% of originations were 1.5 points or more above the average prime offer rate.
Originations were about level with 2023.
Most active lenders
No lender reaches 25 applications in the county.
Compared with Nebraska and the nation
| Measure | This county | Nebraska | United States |
|---|---|---|---|
| Denial rate | 27.3% | 17.2% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.9% | 13.8% | 15.6% |
| Average originated loan | $223k | $231k | $329k |
| Originations per 1,000 households | 40.7 | 48.1 | 48.0 |
| Home purchase share of originations | 52.9% | 59.8% | 57.0% |
| FHA-insured share | 14.7% | 10.4% | 13.4% |
| VA-guaranteed share | 7.8% | 8.7% | 7.9% |
Rate spread distribution
Share of 70 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 53% (54)Home improvement 9% (9)Refinancing 14% (14)Cash-out refinancing 15% (15)Other purpose 10% (10)
By type
Conventional 77% (79)FHA 15% (15)VA 8% (8)
Trend by year
ApplicationsOriginations
This countyNebraska
Questions and answers
Which lenders are most active in Howard County, NE?
No lender reaches 25 applications in the county.
What is the mortgage denial rate in Howard County?
27.3% of decided applications were denied in 2024, against 17.2% across Nebraska and 24.3% nationally.
How many mortgages were originated in Howard County in 2024?
102 loans totalling $23m, from 162 applications; 40.7 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 31093; 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.