Frontier County, NE Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 79 mortgage applications in Frontier County, NE totaling $9.3 million, down 11% from 2020. The average application was for $118,000, and applicants reported an average income of $78,000. 46% of applications resulted in an originated loan and 15% were denied. The most active lender was Charter West Bank, with 15 applications, followed by Amerihome Mortgage Company, LLC and Citizens Bank, NA.
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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 | 79 |
| Total Mortgage Loan Application Amount | $9,325,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $593,000 |
Top Mortgage Lenders in Frontier County, NE (2021)
Ranked by the number of mortgage applications each lender reported in Frontier County, NE in 2021.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Charter West Bank West Point, NE |
15 | $1,695,000 | $113,000 | $61,000 |
| 2 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
5 | $545,000 | $109,000 | $0 |
| 3 | Citizens Bank, NA Providence, RI |
5 | $565,000 | $113,000 | $62,000 |
| 4 | US Bank, N.A. Cincinnati, OH |
5 | $345,000 | $69,000 | $69,000 |
| 5 | Wells Fargo Bank NA Minneapolis, MN |
4 | $380,000 | $95,000 | $78,000 |
| 6 | Adams Bank & Trust Ogallala, NE |
3 | $245,000 | $81,000 | $78,000 |
| 7 | Mortgage Research Center Columbia, MO |
2 | $250,000 | $125,000 | $64,000 |
| 8 | West Gate Bank Lincoln, NE |
2 | $250,000 | $125,000 | $72,000 |
| 9 | Five Points Bank Grand Island, NE |
2 | $490,000 | $245,000 | $65,000 |
| 10 | American Financing Corporation Aurora, CO |
2 | $190,000 | $95,000 | $100,000 |
The tables below break down 2021 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 2021
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 | 35 | $4,025,000 | $115,000 | $365,000 | $65,000 | $147,000 |
| Refinancing | 29 | $3,815,000 | $131,000 | $365,000 | $103,000 | $593,000 |
| Cash-out Refinancing | 12 | $1,180,000 | $98,000 | $175,000 | $61,000 | $148,000 |
| Home Improvement | 1 | $115,000 | $115,000 | $115,000 | $48,000 | $48,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Other Purpose | 1 | $135,000 | $135,000 | $135,000 | $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 | 57 | $7,245,000 | $127,000 | $365,000 | $81,000 | $593,000 |
| Not applicable | 10 | $940,000 | $94,000 | $135,000 | $0 | $0 |
| Not Provided | 8 | $720,000 | $90,000 | $195,000 | $59,000 | $90,000 |
| American Indian or Alaskan Native | 3 | $205,000 | $68,000 | $85,000 | $97,000 | $138,000 |
| Hispanic | 1 | $215,000 | $215,000 | $215,000 | $52,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 62 | $7,670,000 | $123,000 | $365,000 | $86,000 | $593,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $665,000 | $95,000 | $135,000 | $42,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 5 | $475,000 | $95,000 | $195,000 | $47,000 | $72,000 |
| FHA-insured (Federal Housing Administration) | 5 | $515,000 | $103,000 | $135,000 | $57,000 | $90,000 |
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 | 36 | $4,460,000 | $123,000 | $365,000 | $72,000 | $165,000 |
| Loan Purchased By The Institution | 16 | $1,670,000 | $104,000 | $155,000 | $57,000 | $112,000 |
| Application Denied By Financial Institution | 12 | $1,040,000 | $86,000 | $215,000 | $64,000 | $147,000 |
| Application Withdrawn By Applicant | 9 | $1,465,000 | $162,000 | $365,000 | $129,000 | $593,000 |
| File Closed For Incompleteness | 3 | $315,000 | $105,000 | $155,000 | $75,000 | $81,000 |
| Application Approved But Not Accepted | 3 | $375,000 | $125,000 | $165,000 | $102,000 | $178,000 |
| 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 | 65 | $8,085,000 | $124,000 | $365,000 | $83,000 | $593,000 |
| Credit History | 5 | $485,000 | $97,000 | $215,000 | $66,000 | $147,000 |
| Debt-To-Income Ratio | 5 | $395,000 | $79,000 | $135,000 | $52,000 | $83,000 |
| Collateral | 3 | $225,000 | $75,000 | $115,000 | $84,000 | $136,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $24,000 | $24,000 |
| 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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