Cuming County, NE Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 166 mortgage applications in Cuming County, NE totaling $30.5 million, up 14% from 2023. The average application was for $183,000, and applicants reported an average income of $108,000. 58% of applications resulted in an originated loan and 10% were denied. The most active lender was West Gate Bank, with 20 applications, followed by Pinnacle Bank and Charter West Bank.
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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 | 166 |
| Total Mortgage Loan Application Amount | $30,540,000 |
| Average Mortgage Loan Application Amount | $183,000 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $635,000 |
| 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 |
* | $ n/a | 20 | $ 4,320,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 17 | $ 2,405,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 12 | $ 2,550,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 11 | $ 1,435,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 10 | $ 1,880,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 7 | $ 345,000 |
| Citizens State Bank 921 AVENUE E WISNER, NE 68791 |
* | $ n/a | 6 | $ 770,000 |
| First Community Bank 201 MAIN ST BEEMER, NE 68716 |
* | $ n/a | 6 | $ 1,010,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 5 | $ 1,235,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 970,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 4 | $ 250,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ n/a | 4 | $ 1,290,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 3 | $ 1,195,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 735,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 3 | $ 805,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 70,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 980,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 200,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 380,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 320,000 |
| Commercial State Bank 579 EAST BROADWAY P.O. BOX 179 WAUSA, NE 68786 |
* | $ n/a | 1 | $ 245,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 125,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ n/a | 1 | $ 265,000 |
| Cobalt Credit Union 7148 TOWNE CENTER PARKWAY PAPILLION, NE 68046 |
* | $ n/a | 1 | $ 145,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 1 | $ 185,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 75,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 105,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 175,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 275,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 125,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ n/a | 1 | $ 125,000 |
| Washington County Bank 1523 WASHINGTON ST. BLAIR, NE 68008 |
* | $ n/a | 1 | $ 445,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 135,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 75,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ n/a | 1 | $ 155,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 275,000 |
| Siouxland Federal Credit Union 3000 PLAZA DRIVE SO SIOUX CITY, NE 68776 |
* | $ n/a | 1 | $ 45,000 |
| First Nebraska Credit Union 10655 BEDFORD AVE OMAHA, NE 68134 |
* | $ n/a | 1 | $ 45,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 265,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 715,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 225,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 235,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 175,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 1 | $ 65,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 95,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 75,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 285,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 405,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 55,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ n/a | 1 | $ 55,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 305,000 |
The tables below break down 2024 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 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 | 92 | $19,600,000 | $213,000 | $635,000 | $102,000 | $318,000 |
| Refinancing | 29 | $6,325,000 | $218,000 | $805,000 | $126,000 | $423,000 |
| Cash-out Refinancing | 16 | $3,090,000 | $193,000 | $405,000 | $83,000 | $161,000 |
| Home Improvement | 15 | $755,000 | $50,000 | $125,000 | $148,000 | $635,000 |
| Other Purpose | 14 | $770,000 | $55,000 | $105,000 | $97,000 | $188,000 |
| 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 | 112 | $22,540,000 | $201,000 | $805,000 | $121,000 | $635,000 |
| Hispanic | 25 | $3,555,000 | $142,000 | $355,000 | $66,000 | $113,000 |
| Not applicable | 14 | $2,450,000 | $175,000 | $475,000 | $0 | $0 |
| Not Provided | 13 | $1,545,000 | $118,000 | $295,000 | $80,000 | $165,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $60,000 | $60,000 |
| Asian | 1 | $375,000 | $375,000 | $375,000 | $137,000 | $137,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 128 | $22,790,000 | $178,000 | $805,000 | $115,000 | $635,000 |
| FHA-insured (Federal Housing Administration) | 23 | $4,295,000 | $186,000 | $405,000 | $68,000 | $147,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,695,000 | $245,000 | $365,000 | $107,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $760,000 | $190,000 | $265,000 | $74,000 | $95,000 |
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 | 97 | $18,075,000 | $186,000 | $715,000 | $109,000 | $635,000 |
| Loan Purchased By The Institution | 18 | $3,360,000 | $186,000 | $485,000 | $86,000 | $172,000 |
| Application Denied By Financial Institution | 17 | $2,565,000 | $150,000 | $805,000 | $97,000 | $423,000 |
| Application Withdrawn By Applicant | 16 | $4,560,000 | $285,000 | $635,000 | $130,000 | $313,000 |
| File Closed For Incompleteness | 9 | $1,205,000 | $133,000 | $275,000 | $125,000 | $240,000 |
| Application Approved But Not Accepted | 9 | $775,000 | $86,000 | $275,000 | $86,000 | $147,000 |
| 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 | 136 | $25,700,000 | $188,000 | $715,000 | $112,000 | $635,000 |
| Debt-To-Income Ratio | 17 | $3,425,000 | $201,000 | $805,000 | $104,000 | $423,000 |
| Credit History | 8 | $620,000 | $77,000 | $215,000 | $81,000 | $172,000 |
| Credit Application Incomplete | 3 | $345,000 | $115,000 | $145,000 | $77,000 | $117,000 |
| Collateral | 2 | $450,000 | $225,000 | $225,000 | $84,000 | $84,000 |
| 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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