Grand Island Mortgage Lending in 2025

Explore mortgage lending activity in Grand Island (MSA/MD Code 24260) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 24260
732 Loans Originated
• Primary State: Nebraska (NE)
• $171.60 Million Originated Volume
• $225,000 Median Loan
Actionable Applications 883 +11.91% vs 2024
Approval Rate 86.75% +2.85 pp vs 2024
Denial Rate 13.25% -2.85 pp vs 2024
Loan Originations 732 +14.02% vs 2024
Originated Volume $171.60 Million +16.43% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 883 actionable applications (Actions 1, 2, and 3).

86.75%
13.25%
766 approved 117 denied
Action 1: Originated
732 (82.90%)
Action 2: Approved not accepted
34 (3.85%)
Action 3: Denied
117 (13.25%)
Action 4: Withdrawn (not in denominator)
152 —
Action 5: Incomplete (not in denominator)
46 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Grand Island Compares

Metro vs. State Baseline (2025)

Metric Grand Island Nebraska
Actionable Apps 883 29,455
Approval Rate 86.75% 87.99%
Denial Rate 13.25% 12.01%
Originations 732 25,093
Originated Volume $171.60 Million $7.03 Billion
Median Loan $225,000 $255,000
Compared against Nebraska statewide baseline in 2025.

Lending Trends in Grand Island

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 956 1,081 +13.08%
Actionable Apps 789 883 +11.91%
Originations 642 732 +14.02%
Approval Rate 83.90% 86.75% +2.85 pp
Denial Rate 16.10% 13.25% -2.85 pp
Median Loan $225,000 $225,000 0.00%
Dollar Volume $147.38 Million $171.60 Million +16.43%

Applications by Borrower Income (Grand Island)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 177 90.96% 9.04%
$150k+ 96 95.83% 4.17%
$50k–$99,999 435 85.75% 14.25%
<$50k 123 74.80% 25.20%
Income unavailable/entity 52 92.31% 7.69%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Nebraska (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 24260, anchored in Nebraska (NE).
Metro Share of State Apps 3.00%
Metro Share of State Volume 2.44%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Nebraska statewide mortgage activity

Grand Island is part of OpenFileData’s statewide coverage of Nebraska. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Nebraska Statewide Overview Active Profile
Statewide Actionable Applications: 29,455
Explore Nebraska State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Nebraska Profile

Compare all metropolitan areas located in Nebraska.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.