Franklin County, NE Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 70 mortgage applications in Franklin County, NE totaling $11.2 million, up 21% from 2023. The average application was for $159,000, and applicants reported an average income of $79,000. 54% of applications resulted in an originated loan and 14% were denied. The most active lender was US Bank, N.A., with 8 applications, followed by First National Bank of Omaha and Pinnacle 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 | 70 |
| Total Mortgage Loan Application Amount | $11,150,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $695,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $311,000 |
| 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 | 8 | $ 890,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 6 | $ 660,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 5 | $ 1,515,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 580,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 3 | $ 295,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 1,145,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ n/a | 3 | $ 465,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 3 | $ 875,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 280,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 430,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 120,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 210,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 1 | $ 165,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 1 | $ 155,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ n/a | 1 | $ 125,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ n/a | 1 | $ 145,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 155,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 115,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 125,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 145,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 165,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ n/a | 1 | $ 45,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 45,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ n/a | 1 | $ 155,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 325,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 165,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 365,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 165,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 125,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 15,000 |
The tables below break down 2024 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 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 | 54 | $8,350,000 | $154,000 | $695,000 | $77,000 | $184,000 |
| Cash-out Refinancing | 6 | $1,130,000 | $188,000 | $695,000 | $55,000 | $90,000 |
| Refinancing | 5 | $1,265,000 | $253,000 | $345,000 | $114,000 | $150,000 |
| Other Purpose | 4 | $330,000 | $82,000 | $265,000 | $125,000 | $311,000 |
| Home Improvement | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| 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 | 55 | $8,735,000 | $158,000 | $695,000 | $85,000 | $311,000 |
| Not applicable | 7 | $1,745,000 | $249,000 | $695,000 | $0 | $0 |
| Not Provided | 4 | $320,000 | $80,000 | $125,000 | $33,000 | $44,000 |
| Hispanic | 4 | $350,000 | $87,000 | $155,000 | $33,000 | $55,000 |
| 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) | 38 | $5,640,000 | $148,000 | $625,000 | $89,000 | $311,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,010,000 | $125,000 | $345,000 | $57,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 13 | $3,165,000 | $243,000 | $695,000 | $78,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $335,000 | $111,000 | $125,000 | $73,000 | $87,000 |
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 | 38 | $5,930,000 | $156,000 | $695,000 | $88,000 | $311,000 |
| Loan Purchased By The Institution | 11 | $2,175,000 | $197,000 | $695,000 | $56,000 | $96,000 |
| Application Denied By Financial Institution | 10 | $1,320,000 | $132,000 | $355,000 | $47,000 | $104,000 |
| Application Withdrawn By Applicant | 8 | $1,600,000 | $200,000 | $625,000 | $91,000 | $184,000 |
| Application Approved But Not Accepted | 2 | $20,000 | $10,000 | $15,000 | $86,000 | $119,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $90,000 | $90,000 |
| 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 | 58 | $9,500,000 | $163,000 | $695,000 | $85,000 | $311,000 |
| Credit History | 6 | $540,000 | $90,000 | $165,000 | $30,000 | $59,000 |
| Debt-To-Income Ratio | 4 | $820,000 | $205,000 | $355,000 | $95,000 | $150,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $44,000 | $44,000 |
| Credit Application Incomplete | 1 | $165,000 | $165,000 | $165,000 | $65,000 | $65,000 |
| 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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