Frontier County, NE Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 44 mortgage applications in Frontier County, NE totaling $5.5 million, down 30% from 2022. The average application was for $125,000, and applicants reported an average income of $88,000. 50% of applications resulted in an originated loan and 20% were denied. The most active lender was Charter West Bank, with 5 applications, followed by Dayspring Bank and US Bank, N.A..
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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 | $5,510,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $212,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 415,343,000 | 5 | $ 595,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 982,277,000 | 5 | $ 1,165,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 5 | $ 335,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 3 | $ 285,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 7,724,198,000 | 2 | $ 210,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 28,274,145,000 | 2 | $ 270,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 210,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 200,000 |
| Mnb Bank 220 NORRIS AVE MCCOOK, NE 69001 |
* | $ 554,424,000 | 2 | $ 200,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 100,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 35,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 95,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 185,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 5,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 175,000 |
| Cornhusker Bank 8310 O STREET LINCOLN, NE 68510 |
* | $ 900,683,000 | 1 | $ 405,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 155,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 145,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 1 | $ 185,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 45,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 165,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2023 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 2023
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 | 24 | $3,880,000 | $161,000 | $405,000 | $75,000 | $179,000 |
| Other Purpose | 8 | $700,000 | $87,000 | $385,000 | $109,000 | $212,000 |
| Cash-out Refinancing | 5 | $425,000 | $85,000 | $135,000 | $78,000 | $98,000 |
| Refinancing | 4 | $300,000 | $75,000 | $175,000 | $40,000 | $40,000 |
| Home Improvement | 3 | $205,000 | $68,000 | $155,000 | $141,000 | $208,000 |
| 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 | 31 | $3,335,000 | $107,000 | $385,000 | $88,000 | $212,000 |
| Not applicable | 10 | $1,560,000 | $156,000 | $395,000 | $0 | $0 |
| Not Provided | 3 | $615,000 | $205,000 | $405,000 | $92,000 | $137,000 |
| 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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 27 | $3,265,000 | $120,000 | $405,000 | $98,000 | $212,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,630,000 | $135,000 | $185,000 | $77,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $440,000 | $110,000 | $145,000 | $60,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 1 | $175,000 | $175,000 | $175,000 | $64,000 | $64,000 |
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 | 22 | $3,090,000 | $140,000 | $405,000 | $79,000 | $212,000 |
| Application Denied By Financial Institution | 9 | $1,015,000 | $112,000 | $385,000 | $122,000 | $208,000 |
| Loan Purchased By The Institution | 8 | $1,020,000 | $127,000 | $185,000 | $55,000 | $61,000 |
| Application Approved But Not Accepted | 2 | $60,000 | $30,000 | $55,000 | $60,000 | $75,000 |
| File Closed For Incompleteness | 2 | $190,000 | $95,000 | $145,000 | $85,000 | $93,000 |
| Application Withdrawn By Applicant | 1 | $135,000 | $135,000 | $135,000 | $78,000 | $78,000 |
| 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 | 35 | $4,495,000 | $128,000 | $405,000 | $76,000 | $212,000 |
| Debt-To-Income Ratio | 3 | $585,000 | $195,000 | $385,000 | $129,000 | $179,000 |
| Collateral | 2 | $180,000 | $90,000 | $155,000 | $166,000 | $208,000 |
| Credit History | 2 | $40,000 | $20,000 | $25,000 | $121,000 | $125,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $90,000 | $90,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $51,000 | $51,000 |
| 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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