Gosper County, NE Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 50 mortgage applications in Gosper County, NE totaling $9.6 million, down 23% from 2024. The average application was for $191,000, and applicants reported an average income of $117,000. 54% of applications resulted in an originated loan and 8% were denied. The most active lender was Pinnacle Bank, with 9 applications, followed by Charter West Bank and PennyMac Loan Services LLC.
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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 | 50 |
| Total Mortgage Loan Application Amount | $9,550,000 |
| Average Mortgage Loan Application Amount | $191,000 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $117,000 |
| Highest Applicant Income | $827,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 9 | $ 1,485,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 7 | $ 1,355,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 525,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 375,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 455,000 |
| Trius Federal Credit Union 2915 2ND AVENUE KEARNEY, NE 68847 |
* | $ n/a | 2 | $ 460,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 580,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 310,000 |
| Firstier Bank BROOMFIELD, CO 82001 |
* | $ n/a | 2 | $ 260,000 |
| Bruning Bank 104 E MAIN STREET BRUNING, NE 68322 |
* | $ n/a | 1 | $ 145,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 285,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 265,000 |
| Pathway Bank 306 S HIGH ST PO BOX 428 CAIRO, NE 68824 |
* | $ n/a | 1 | $ 755,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 125,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ n/a | 1 | $ 475,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ n/a | 1 | $ 235,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 125,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 115,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 95,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 1 | $ 255,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 105,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ n/a | 1 | $ 135,000 |
The tables below break down 2025 mortgage applications in Gosper 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 Gosper County, NE in 2025
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 | 33 | $6,385,000 | $193,000 | $475,000 | $118,000 | $827,000 |
| Cash-out Refinancing | 7 | $1,365,000 | $195,000 | $355,000 | $105,000 | $143,000 |
| Refinancing | 6 | $1,620,000 | $270,000 | $755,000 | $166,000 | $457,000 |
| Other Purpose | 2 | $90,000 | $45,000 | $75,000 | $64,000 | $64,000 |
| Home Improvement | 2 | $90,000 | $45,000 | $75,000 | $50,000 | $53,000 |
| 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 | 35 | $6,175,000 | $176,000 | $475,000 | $111,000 | $827,000 |
| Not applicable | 7 | $1,445,000 | $206,000 | $285,000 | $0 | $0 |
| Not Provided | 4 | $1,220,000 | $305,000 | $755,000 | $158,000 | $457,000 |
| Hispanic | 4 | $710,000 | $177,000 | $355,000 | $127,000 | $192,000 |
| 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) | 33 | $5,825,000 | $176,000 | $755,000 | $131,000 | $827,000 |
| FHA-insured (Federal Housing Administration) | 14 | $3,140,000 | $224,000 | $355,000 | $84,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $450,000 | $225,000 | $225,000 | $90,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 1 | $135,000 | $135,000 | $135,000 | $52,000 | $52,000 |
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 | 27 | $5,195,000 | $192,000 | $755,000 | $140,000 | $827,000 |
| Application Withdrawn By Applicant | 9 | $1,915,000 | $212,000 | $405,000 | $82,000 | $125,000 |
| Loan Purchased By The Institution | 8 | $1,510,000 | $188,000 | $285,000 | $91,000 | $143,000 |
| Application Denied By Financial Institution | 4 | $540,000 | $135,000 | $245,000 | $81,000 | $129,000 |
| Preapproval Approved but not Accepted | 1 | $205,000 | $205,000 | $205,000 | $59,000 | $59,000 |
| Preapproval Denied by Financial Institution | 1 | $185,000 | $185,000 | $185,000 | $68,000 | $68,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 40 | $7,060,000 | $176,000 | $405,000 | $94,000 | $308,000 |
| Debt-To-Income Ratio | 9 | $2,245,000 | $249,000 | $755,000 | $211,000 | $827,000 |
| Collateral | 1 | $245,000 | $245,000 | $245,000 | $129,000 | $129,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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