Cuming County, NE Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 172 mortgage applications in Cuming County, NE totaling $23.5 million, up 8% from 2018. The average application was for $136,000, and applicants reported an average income of $82,000. 63% of applications resulted in an originated loan and 12% were denied. The most active lender was West Gate Bank, with 35 applications, followed by Pinnacle Bank and Wells Fargo Bank NA.
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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 | 172 |
| Total Mortgage Loan Application Amount | $23,530,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $841,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 611,001,000 | 35 | $ 5,995,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,729,390,000 | 15 | $ 1,245,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 15 | $ 1,655,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 15 | $ 1,635,000 |
| Citizens State Bank 921 AVENUE E WISNER, NE 68791 |
* | $ 330,644,000 | 8 | $ 520,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ 706,600,000 | 7 | $ 715,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 750,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 5 | $ 615,000 |
| First Community Bank 201 MAIN ST BEEMER, NE 68716 |
* | $ 149,148,000 | 5 | $ 705,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 3 | $ 345,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 3 | $ 585,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 735,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 415,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 3 | $ 205,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,149,669,000 | 2 | $ 130,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 460,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 510,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 520,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 470,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 259,917,000 | 2 | $ 340,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 115,000 |
| Washington County Bank 1523 WASHINGTON ST. BLAIR, NE 68008 |
* | $ 432,110,000 | 1 | $ 75,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 75,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 1 | $ 295,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 714,892,000 | 1 | $ 205,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,145,422,000 | 1 | $ 75,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 1 | $ 255,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 105,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 255,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 95,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ -1,000 | 1 | $ 205,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 1 | $ 225,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 175,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 145,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 75,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 105,000 |
| First Nebraska Credit Union 10655 BEDFORD AVE OMAHA, NE 68134 |
* | $ 137,257,000 | 1 | $ 25,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 175,000 |
| F&M Bank 204 NORTH MAIN STREET WEST POINT, NE 68788 |
* | $ 293,391,000 | 1 | $ 295,000 |
The tables below break down 2019 mortgage applications in Cuming 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 Cuming County, NE in 2019
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 | 81 | $11,095,000 | $136,000 | $425,000 | $81,000 | $841,000 |
| Refinancing | 38 | $5,920,000 | $155,000 | $335,000 | $91,000 | $180,000 |
| Cash-out Refinancing | 33 | $5,175,000 | $156,000 | $415,000 | $76,000 | $139,000 |
| Home Improvement | 11 | $805,000 | $73,000 | $225,000 | $76,000 | $139,000 |
| Other Purpose | 9 | $535,000 | $59,000 | $115,000 | $83,000 | $176,000 |
| 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 | 129 | $18,915,000 | $146,000 | $425,000 | $85,000 | $841,000 |
| Not applicable | 26 | $2,880,000 | $110,000 | $245,000 | $65,000 | $141,000 |
| Not Provided | 9 | $1,265,000 | $140,000 | $345,000 | $78,000 | $162,000 |
| Hispanic | 8 | $470,000 | $58,000 | $105,000 | $47,000 | $88,000 |
| 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) | 138 | $18,160,000 | $131,000 | $425,000 | $85,000 | $841,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,155,000 | $143,000 | $245,000 | $62,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,385,000 | $216,000 | $405,000 | $62,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $830,000 | $103,000 | $135,000 | $46,000 | $51,000 |
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 | 109 | $14,665,000 | $134,000 | $425,000 | $86,000 | $841,000 |
| Loan Purchased By The Institution | 26 | $3,680,000 | $141,000 | $295,000 | $81,000 | $141,000 |
| Application Denied By Financial Institution | 20 | $2,310,000 | $115,000 | $295,000 | $62,000 | $139,000 |
| Application Withdrawn By Applicant | 11 | $2,205,000 | $200,000 | $405,000 | $86,000 | $162,000 |
| File Closed For Incompleteness | 4 | $620,000 | $155,000 | $295,000 | $82,000 | $174,000 |
| Application Approved But Not Accepted | 2 | $50,000 | $25,000 | $25,000 | $64,000 | $86,000 |
| 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 | 125 | $18,275,000 | $146,000 | $425,000 | $77,000 | $180,000 |
| Debt-To-Income Ratio | 31 | $3,565,000 | $115,000 | $325,000 | $111,000 | $841,000 |
| Credit History | 6 | $470,000 | $78,000 | $185,000 | $66,000 | $92,000 |
| Collateral | 5 | $455,000 | $91,000 | $225,000 | $69,000 | $107,000 |
| Other | 3 | $295,000 | $98,000 | $195,000 | $43,000 | $57,000 |
| Unverifiable Information | 1 | $295,000 | $295,000 | $295,000 | $139,000 | $139,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $70,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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