Frontier County, NE Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 44 mortgage applications in Frontier County, NE totaling $3.8 million, down 29% from 2017. The average application was for $86,000, and applicants reported an average income of $55,000. 48% of applications resulted in an originated loan and 18% were denied. The most active lender was New Day Financial, Llc., with 4 applications, followed by Wells Fargo Bank NA and Franklin American Mortgage Company.
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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 | 44 |
| Total Mortgage Loan Application Amount | $3,800,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $245,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $140,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 350,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 4 | $ 390,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 3 | $ 365,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 3 | $ 245,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 240,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 2 | $ 60,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 170,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 150,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 220,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,836,505,000 | 2 | $ 70,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 650,256,000 | 1 | $ 35,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 124,488,000 | 1 | $ 65,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 491,852,000 | 1 | $ 85,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 95,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 85,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,384,000 | 1 | $ 135,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,594,004,000 | 1 | $ 205,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 961,180,000 | 1 | $ 15,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 1 | $ 55,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 736,916,000 | 1 | $ 25,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 1 | $ 45,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 491,903,000 | 1 | $ 135,000 |
The tables below break down 2018 mortgage applications in Frontier 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 Frontier County, NE in 2018
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 | 21 | $1,835,000 | $87,000 | $205,000 | $52,000 | $140,000 |
| Cash-out Refinancing | 13 | $1,335,000 | $102,000 | $165,000 | $52,000 | $92,000 |
| Refinancing | 4 | $330,000 | $82,000 | $245,000 | $80,000 | $107,000 |
| Other Purpose | 3 | $155,000 | $51,000 | $55,000 | $56,000 | $85,000 |
| Home Improvement | 2 | $60,000 | $30,000 | $45,000 | $43,000 | $43,000 |
| Not Applicable | 1 | $85,000 | $85,000 | $85,000 | $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 | 34 | $2,870,000 | $84,000 | $205,000 | $55,000 | $140,000 |
| Not applicable | 6 | $450,000 | $75,000 | $125,000 | $51,000 | $80,000 |
| Not Provided | 3 | $355,000 | $118,000 | $245,000 | $60,000 | $107,000 |
| Hispanic | 1 | $125,000 | $125,000 | $125,000 | $43,000 | $43,000 |
| 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) | 23 | $1,905,000 | $82,000 | $245,000 | $60,000 | $140,000 |
| FHA-insured (Federal Housing Administration) | 9 | $765,000 | $85,000 | $135,000 | $65,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 7 | $795,000 | $113,000 | $155,000 | $38,000 | $59,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $335,000 | $67,000 | $125,000 | $28,000 | $39,000 |
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 | 21 | $1,865,000 | $88,000 | $205,000 | $62,000 | $140,000 |
| Loan Purchased By The Institution | 10 | $930,000 | $93,000 | $245,000 | $66,000 | $107,000 |
| Application Denied By Financial Institution | 8 | $510,000 | $63,000 | $135,000 | $36,000 | $70,000 |
| Application Withdrawn By Applicant | 5 | $495,000 | $99,000 | $155,000 | $37,000 | $49,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 33 | $3,125,000 | $94,000 | $245,000 | $59,000 | $140,000 |
| Debt-To-Income Ratio | 5 | $335,000 | $67,000 | $95,000 | $63,000 | $91,000 |
| Collateral | 3 | $255,000 | $85,000 | $135,000 | $41,000 | $44,000 |
| Credit History | 3 | $85,000 | $28,000 | $35,000 | $20,000 | $43,000 |
| Credit Application Incomplete | 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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