Dakota County, NE Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 538 mortgage applications in Dakota County, NE totaling $110.8 million, down 25% from 2021. The average application was for $205,000, and applicants reported an average income of $82,000. 55% of applications resulted in an originated loan and 20% were denied. The most active lender was Siouxland Federal Credit Union, with 61 applications, followed by 21st Mortgage and Central 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 | 538 |
| Total Mortgage Loan Application Amount | $110,810,000 |
| Average Mortgage Loan Application Amount | $205,000 |
| Highest Mortgage Loan Application Amount | $16,405,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $707,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Siouxland Federal Credit Union 3000 PLAZA DRIVE SO SIOUX CITY, NE 68776 |
* | $ 253,177,000 | 61 | $ 6,475,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 55 | $ 2,385,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,731,908,000 | 43 | $ 8,455,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 556,335,000 | 35 | $ 37,265,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 30 | $ 4,140,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ 857,401,000 | 27 | $ 4,945,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 20 | $ 2,290,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 15 | $ 2,575,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 1,461,478,000 | 14 | $ 870,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 2,278,779,000 | 14 | $ 1,870,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 11 | $ 1,785,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 11 | $ 2,655,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 9 | $ 2,005,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 5,455,015,000 | 8 | $ 650,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 8 | $ 790,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 8 | $ 1,260,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 8 | $ 860,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 7 | $ 1,545,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,000,660,000 | 6 | $ 1,390,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 6 | $ 1,120,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 495,000 |
| Telco Triad Community CU Hmda 2025 1420 TRI VIEW AVE SIOUX CITY, IA 51108 |
* | $ 119,088,000 | 5 | $ 315,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 935,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 467,757,000 | 4 | $ 620,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 4 | $ 1,010,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,889,083,000 | 4 | $ 370,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 3 | $ 335,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 595,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 3 | $ 205,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,502,665,000 | 3 | $ 295,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 575,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 3 | $ 345,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 645,000 |
| Bank of Whittier, NA 15141 E WHITTIER BLVD WHITTIER, CA 90603 |
* | $ 164,678,000 | 3 | $ 765,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 300,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 570,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 1,464,817,000 | 2 | $ 120,000 |
| Security National Bank of Sd 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ 248,058,000 | 2 | $ 260,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 210,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 540,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 600,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 349,214,000 | 2 | $ 310,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 7,852,003,000 | 2 | $ 170,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 320,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 405,261,000 | 2 | $ 150,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 370,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 420,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 352,941,000 | 1 | $ 85,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 255,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 85,000 |
| Midstates Bank NA 1851 MADISON AVE., STE. 732 COUNCIL BLUFFS, IA 51503 |
* | $ 650,335,000 | 1 | $ 175,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 175,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 1 | $ 145,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ 801,659,000 | 1 | $ 125,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 125,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 145,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 1 | $ 15,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,474,358,000 | 1 | $ 25,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 1,013,892,000 | 1 | $ 25,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,710,410,000 | 1 | $ 165,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 9,011,033,000 | 1 | $ 395,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 125,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 1,106,372,000 | 1 | $ 215,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,193,839,000 | 1 | $ 65,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 1 | $ 235,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 195,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 55,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 45,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 1 | $ 105,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 1,189,079,000 | 1 | $ 245,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 205,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,479,040,000 | 1 | $ 2,885,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 1 | $ 75,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 805,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 1,319,953,000 | 1 | $ 195,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 85,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 1 | $ 165,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,089,286,000 | 1 | $ 155,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 8,802,432,000 | 1 | $ 55,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 55,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 375,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 145,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 105,000 |
The tables below break down 2022 mortgage applications in Dakota 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 Dakota County, NE in 2022
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 | 243 | $60,035,000 | $247,000 | $16,405,000 | $82,000 | $707,000 |
| Refinancing | 128 | $30,940,000 | $241,000 | $14,005,000 | $75,000 | $604,000 |
| Cash-out Refinancing | 97 | $15,705,000 | $161,000 | $405,000 | $82,000 | $210,000 |
| Other Purpose | 33 | $1,885,000 | $57,000 | $175,000 | $93,000 | $225,000 |
| Home Improvement | 32 | $2,070,000 | $64,000 | $295,000 | $94,000 | $197,000 |
| Not Applicable | 5 | $175,000 | $35,000 | $85,000 | $37,000 | $37,000 |
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 | 221 | $33,915,000 | $153,000 | $805,000 | $92,000 | $707,000 |
| Hispanic | 169 | $25,945,000 | $153,000 | $445,000 | $72,000 | $285,000 |
| Not applicable | 71 | $39,145,000 | $551,000 | $16,405,000 | $45,000 | $53,000 |
| Not Provided | 42 | $5,500,000 | $130,000 | $275,000 | $83,000 | $242,000 |
| Black or African American | 22 | $4,570,000 | $207,000 | $315,000 | $63,000 | $113,000 |
| American Indian or Alaskan Native | 6 | $960,000 | $160,000 | $505,000 | $72,000 | $129,000 |
| Asian | 5 | $605,000 | $121,000 | $285,000 | $86,000 | $165,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $45,000 | $45,000 |
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) | 458 | $96,330,000 | $210,000 | $16,405,000 | $83,000 | $707,000 |
| FHA-insured (Federal Housing Administration) | 65 | $11,355,000 | $174,000 | $425,000 | $71,000 | $162,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,870,000 | $205,000 | $295,000 | $77,000 | $124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $255,000 | $255,000 | $255,000 | $84,000 | $84,000 |
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 | 295 | $82,915,000 | $281,000 | $16,405,000 | $88,000 | $707,000 |
| Application Denied By Financial Institution | 109 | $13,685,000 | $125,000 | $405,000 | $70,000 | $225,000 |
| Loan Purchased By The Institution | 53 | $3,445,000 | $65,000 | $295,000 | $60,000 | $77,000 |
| Application Withdrawn By Applicant | 48 | $7,020,000 | $146,000 | $405,000 | $75,000 | $242,000 |
| File Closed For Incompleteness | 26 | $3,080,000 | $118,000 | $305,000 | $82,000 | $145,000 |
| Application Approved But Not Accepted | 7 | $665,000 | $95,000 | $255,000 | $86,000 | $142,000 |
| 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 | 397 | $91,925,000 | $231,000 | $16,405,000 | $86,000 | $707,000 |
| Debt-To-Income Ratio | 63 | $9,605,000 | $152,000 | $405,000 | $59,000 | $159,000 |
| Credit History | 32 | $3,420,000 | $106,000 | $275,000 | $76,000 | $157,000 |
| Credit Application Incomplete | 17 | $2,395,000 | $140,000 | $345,000 | $72,000 | $162,000 |
| Collateral | 13 | $1,695,000 | $130,000 | $295,000 | $111,000 | $225,000 |
| Other | 7 | $735,000 | $105,000 | $195,000 | $81,000 | $142,000 |
| Unverifiable Information | 5 | $725,000 | $145,000 | $285,000 | $69,000 | $91,000 |
| Employment History | 3 | $255,000 | $85,000 | $135,000 | $37,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $72,000 | $72,000 |
| 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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