Franklin County, NE Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 96 mortgage applications in Franklin County, NE totaling $13.0 million, up 37% from 2024. The average application was for $135,000, and applicants reported an average income of $86,000. 48% of applications resulted in an originated loan and 26% were denied. The most active lender was US Bank, N.A., with 11 applications, followed by Pinnacle Bank and Trius Federal Credit Union.
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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 | 96 |
| Total Mortgage Loan Application Amount | $13,030,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $715,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $540,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 11 | $ 1,125,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 11 | $ 875,000 |
| Trius Federal Credit Union 2915 2ND AVENUE KEARNEY, NE 68847 |
* | $ n/a | 8 | $ 370,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 6 | $ 950,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 590,000 |
| Bruning Bank 104 E MAIN STREET BRUNING, NE 68322 |
* | $ n/a | 3 | $ 425,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 475,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 545,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 290,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 880,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ n/a | 2 | $ 250,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 150,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 610,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 2 | $ 390,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ n/a | 2 | $ 480,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 310,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 75,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ n/a | 1 | $ 155,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 245,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 185,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ n/a | 1 | $ 55,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ n/a | 1 | $ 55,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 305,000 |
| Lincone Federal Credit Union 2500 N ST LINCOLN, NE 68503 |
* | $ n/a | 1 | $ 335,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 155,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 165,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 115,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 405,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 55,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ n/a | 1 | $ 185,000 |
| Firstier Bank BROOMFIELD, CO 82001 |
* | $ n/a | 1 | $ 45,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 145,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 95,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 65,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ n/a | 1 | $ 65,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 155,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ n/a | 1 | $ 65,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Franklin 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 Franklin County, NE in 2025
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 | 52 | $7,780,000 | $149,000 | $475,000 | $90,000 | $540,000 |
| Cash-out Refinancing | 20 | $2,520,000 | $126,000 | $405,000 | $65,000 | $102,000 |
| Refinancing | 10 | $1,990,000 | $199,000 | $715,000 | $99,000 | $212,000 |
| Other Purpose | 8 | $460,000 | $57,000 | $135,000 | $89,000 | $137,000 |
| Home Improvement | 6 | $280,000 | $46,000 | $105,000 | $93,000 | $200,000 |
| 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 | 85 | $11,555,000 | $135,000 | $715,000 | $87,000 | $540,000 |
| Not applicable | 5 | $735,000 | $147,000 | $185,000 | $0 | $0 |
| Not Provided | 3 | $395,000 | $131,000 | $155,000 | $67,000 | $102,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $73,000 | $73,000 |
| Black or African American | 1 | $155,000 | $155,000 | $155,000 | $58,000 | $58,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $39,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 60 | $6,990,000 | $116,000 | $475,000 | $96,000 | $540,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,275,000 | $192,000 | $715,000 | $61,000 | $114,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,260,000 | $141,000 | $405,000 | $67,000 | $109,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $505,000 | $168,000 | $185,000 | $86,000 | $92,000 |
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 | 46 | $6,560,000 | $142,000 | $715,000 | $92,000 | $540,000 |
| Application Denied By Financial Institution | 25 | $2,935,000 | $117,000 | $405,000 | $76,000 | $212,000 |
| Loan Purchased By The Institution | 14 | $2,180,000 | $155,000 | $335,000 | $82,000 | $127,000 |
| Application Withdrawn By Applicant | 6 | $670,000 | $111,000 | $185,000 | $59,000 | $90,000 |
| File Closed For Incompleteness | 3 | $455,000 | $151,000 | $165,000 | $108,000 | $125,000 |
| Application Approved But Not Accepted | 2 | $230,000 | $115,000 | $175,000 | $124,000 | $200,000 |
| 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 | 62 | $9,620,000 | $155,000 | $715,000 | $91,000 | $540,000 |
| Debt-To-Income Ratio | 20 | $1,920,000 | $96,000 | $405,000 | $77,000 | $212,000 |
| Collateral | 5 | $335,000 | $67,000 | $115,000 | $67,000 | $104,000 |
| Credit History | 5 | $835,000 | $167,000 | $235,000 | $94,000 | $118,000 |
| Credit Application Incomplete | 3 | $305,000 | $101,000 | $135,000 | $63,000 | $73,000 |
| Employment History | 1 | $15,000 | $15,000 | $15,000 | $51,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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