Boone County, NE Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 104 mortgage applications in Boone County, NE totaling $19.1 million, up 24% from 2023. The average application was for $183,000, and applicants reported an average income of $91,000. 49% of applications resulted in an originated loan and 16% were denied. The most active lender was Charter West Bank, with 14 applications, followed by Cornerstone Bank and US Bank, N.A..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 104 |
| Total Mortgage Loan Application Amount | $19,110,000 |
| Average Mortgage Loan Application Amount | $183,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $313,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 14 | $ 3,540,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ n/a | 13 | $ 1,415,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 9 | $ 1,765,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 6 | $ 1,300,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 580,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 475,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ n/a | 3 | $ 305,000 |
| City Bank & Trust Co. 1135 MAIN AVE. CRETE, NE 68333 |
* | $ n/a | 3 | $ 615,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 3 | $ 1,205,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 380,000 |
| Citizens State Bank 921 AVENUE E WISNER, NE 68791 |
* | $ n/a | 2 | $ 150,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 470,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 840,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 410,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 560,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 30,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 135,000 |
| Citizens Bank & Trust Col. PO BOX 385, 7217TH STREET ST. PAUL, NE 68873 |
* | $ n/a | 1 | $ 185,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 95,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 1 | $ 65,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 95,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 155,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 135,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 85,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 85,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 185,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 1 | $ 215,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 65,000 |
| Credit Union of Colorado, A Federal Credit Union 1390 LOGAN STREET DENVER, CO 80217 |
* | $ n/a | 1 | $ 255,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 45,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 95,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 165,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ n/a | 1 | $ 285,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 85,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 145,000 |
| Primis Bank GLEN ALLEN, VA 23060 |
* | $ n/a | 1 | $ 155,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 55,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 185,000 |
| Archer Cooperative Credit Union 2121 ARCHER RD ARCHER, NE 68816 |
* | $ n/a | 1 | $ 95,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ n/a | 1 | $ 605,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 195,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ n/a | 1 | $ 55,000 |
| Inova Federal Credit Union 358 S ELKHART AVENUE ELKHART, IN 46516 |
* | $ n/a | 1 | $ 35,000 |
The tables below break down 2024 mortgage applications in Boone County, NE by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Boone County, NE in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 60 | $12,720,000 | $212,000 | $555,000 | $99,000 | $313,000 |
| Cash-out Refinancing | 18 | $2,490,000 | $138,000 | $215,000 | $63,000 | $118,000 |
| Refinancing | 16 | $3,070,000 | $191,000 | $605,000 | $89,000 | $178,000 |
| Other Purpose | 5 | $575,000 | $115,000 | $255,000 | $110,000 | $150,000 |
| Home Improvement | 5 | $255,000 | $51,000 | $65,000 | $80,000 | $107,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 79 | $14,655,000 | $185,000 | $605,000 | $93,000 | $313,000 |
| Not applicable | 18 | $3,270,000 | $181,000 | $375,000 | $0 | $0 |
| Not Provided | 4 | $750,000 | $187,000 | $305,000 | $91,000 | $100,000 |
| Hispanic | 3 | $435,000 | $145,000 | $155,000 | $50,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 81 | $14,925,000 | $184,000 | $605,000 | $96,000 | $313,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,585,000 | $172,000 | $275,000 | $65,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,600,000 | $200,000 | $375,000 | $102,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 51 | $9,005,000 | $176,000 | $555,000 | $95,000 | $313,000 |
| Loan Purchased By The Institution | 20 | $4,100,000 | $205,000 | $375,000 | $83,000 | $117,000 |
| Application Denied By Financial Institution | 17 | $2,375,000 | $139,000 | $275,000 | $68,000 | $154,000 |
| Application Withdrawn By Applicant | 8 | $2,240,000 | $280,000 | $445,000 | $101,000 | $133,000 |
| Application Approved But Not Accepted | 5 | $965,000 | $193,000 | $605,000 | $110,000 | $163,000 |
| File Closed For Incompleteness | 3 | $425,000 | $141,000 | $175,000 | $147,000 | $260,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 65 | $14,205,000 | $218,000 | $605,000 | $102,000 | $313,000 |
| Debt-To-Income Ratio | 29 | $3,695,000 | $127,000 | $255,000 | $76,000 | $185,000 |
| Credit Application Incomplete | 5 | $445,000 | $89,000 | $195,000 | $68,000 | $100,000 |
| Credit History | 3 | $505,000 | $168,000 | $275,000 | $76,000 | $106,000 |
| Collateral | 2 | $260,000 | $130,000 | $175,000 | $90,000 | $118,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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