Franklin County, NE Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 68 mortgage applications in Franklin County, NE totaling $7.6 million, up 19% from 2019. The average application was for $111,000, and applicants reported an average income of $66,000. 57% of applications resulted in an originated loan and 9% were denied. The most active lender was US Bank, N.A., with 11 applications, followed by West Gate Bank and Plains Commerce 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 | 68 |
| Total Mortgage Loan Application Amount | $7,550,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $217,000 |
| 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 |
* | $ 486,004,220,000 | 11 | $ 955,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 8 | $ 740,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 7 | $ 735,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,734,584,000 | 6 | $ 180,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 6 | $ 290,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 1,380,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 288,563,000 | 2 | $ 150,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 2 | $ 350,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 200,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 290,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 307,643,000 | 1 | $ 65,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 75,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 75,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 1 | $ 115,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 2,663,225,000 | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 195,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 1,284,481,000 | 1 | $ 335,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 75,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 125,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 165,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,583,369,000 | 1 | $ 75,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 292,130,000 | 1 | $ 125,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 155,000 |
The tables below break down 2020 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 2020
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 | 34 | $3,250,000 | $95,000 | $975,000 | $63,000 | $217,000 |
| Refinancing | 21 | $3,205,000 | $152,000 | $405,000 | $70,000 | $119,000 |
| Cash-out Refinancing | 6 | $630,000 | $105,000 | $205,000 | $65,000 | $114,000 |
| Not Applicable | 3 | $195,000 | $65,000 | $75,000 | $0 | $0 |
| Other Purpose | 2 | $110,000 | $55,000 | $65,000 | $96,000 | $96,000 |
| Home Improvement | 2 | $160,000 | $80,000 | $105,000 | $61,000 | $75,000 |
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 | 46 | $5,870,000 | $127,000 | $975,000 | $68,000 | $217,000 |
| Not applicable | 13 | $915,000 | $70,000 | $125,000 | $94,000 | $94,000 |
| Not Provided | 6 | $600,000 | $100,000 | $205,000 | $62,000 | $114,000 |
| Hispanic | 2 | $90,000 | $45,000 | $85,000 | $28,000 | $28,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| 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 |
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) | 41 | $5,125,000 | $125,000 | $975,000 | $75,000 | $217,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,110,000 | $79,000 | $125,000 | $50,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,045,000 | $116,000 | $195,000 | $24,000 | $40,000 |
| FHA-insured (Federal Housing Administration) | 4 | $270,000 | $67,000 | $85,000 | $26,000 | $32,000 |
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 | 39 | $3,585,000 | $91,000 | $335,000 | $62,000 | $153,000 |
| Loan Purchased By The Institution | 13 | $1,075,000 | $82,000 | $165,000 | $89,000 | $94,000 |
| Application Withdrawn By Applicant | 7 | $1,005,000 | $143,000 | $405,000 | $73,000 | $110,000 |
| Application Denied By Financial Institution | 6 | $560,000 | $93,000 | $155,000 | $48,000 | $96,000 |
| File Closed For Incompleteness | 2 | $350,000 | $175,000 | $195,000 | $77,000 | $77,000 |
| Application Approved But Not Accepted | 1 | $975,000 | $975,000 | $975,000 | $217,000 | $217,000 |
| 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 | 55 | $6,475,000 | $117,000 | $975,000 | $69,000 | $217,000 |
| Debt-To-Income Ratio | 10 | $810,000 | $81,000 | $335,000 | $50,000 | $119,000 |
| Credit History | 2 | $160,000 | $80,000 | $95,000 | $68,000 | $96,000 |
| Credit Application Incomplete | 1 | $105,000 | $105,000 | $105,000 | $75,000 | $75,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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