Gosper County, NE Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 59 mortgage applications in Gosper County, NE totaling $8.8 million, down 26% from 2015. The average application was for $148,000, and applicants reported an average income of $90,000. 56% of applications resulted in an originated loan and 22% were denied. The most active lender was Pinnacle Bank, with 8 applications, followed by Security First 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 | 59 |
| Total Mortgage Loan Application Amount | $8,768,000 |
| Average Mortgage Loan Application Amount | $148,000 |
| Highest Mortgage Loan Application Amount | $620,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $545,000 |
| 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 |
* | $ 4,302,336,000 | 8 | $ 1,270,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 891,231,000 | 6 | $ 759,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 5 | $ 571,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 201,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 2 | $ 158,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,260,025,000 | 2 | $ 251,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 986,321,000 | 2 | $ 475,000 |
| Firstier Bank 115 S WALNUT STREET, PO BOX 730 KIMBALL, NE 69145 |
* | $ 235,870,000 | 2 | $ 395,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 2 | $ 482,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 181,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 206,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 188,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 301,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 70,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 229,172,000 | 1 | $ 35,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 52,653,111,000 | 1 | $ 447,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 112,000 |
| I3 Bank 12212 N 156TH ST BENNINGTON, NE 68007 |
* | $ 82,944,000 | 1 | $ 257,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 365,994,000 | 1 | $ 170,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 9,067,390,000 | 1 | $ 173,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 2,957,377,000 | 1 | $ 30,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 435,793,000 | 1 | $ 263,000 |
The tables below break down 2016 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 2016
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 | 31 | $4,366,000 | $140,000 | $620,000 | $72,000 | $545,000 |
| Refinancing | 23 | $4,086,000 | $177,000 | $447,000 | $114,000 | $389,000 |
| Home Improvement | 5 | $316,000 | $63,000 | $155,000 | $87,000 | $143,000 |
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 | 43 | $6,743,000 | $156,000 | $620,000 | $106,000 | $545,000 |
| Not applicable | 11 | $1,424,000 | $129,000 | $400,000 | $26,000 | $286,000 |
| Not Provided | 5 | $601,000 | $120,000 | $312,000 | $96,000 | $277,000 |
| 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 Hawaiin 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) | 49 | $7,460,000 | $152,000 | $620,000 | $96,000 | $545,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $750,000 | $125,000 | $215,000 | $51,000 | $267,000 |
| FHA-insured (Federal Housing Administration) | 3 | $455,000 | $151,000 | $196,000 | $70,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 1 | $103,000 | $103,000 | $103,000 | $80,000 | $80,000 |
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 | 33 | $5,413,000 | $164,000 | $620,000 | $120,000 | $545,000 |
| Application Denied By Financial Institution | 13 | $1,750,000 | $134,000 | $447,000 | $60,000 | $140,000 |
| Loan Purchased By The Institution | 11 | $1,187,000 | $107,000 | $180,000 | $37,000 | $286,000 |
| Application Approved But Not Accepted | 1 | $336,000 | $336,000 | $336,000 | $100,000 | $100,000 |
| File Closed For Incompleteness | 1 | $82,000 | $82,000 | $82,000 | $56,000 | $56,000 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $751,000 | $250,000 | $447,000 | $49,000 | $140,000 |
| Collateral | 1 | $76,000 | $76,000 | $76,000 | $76,000 | $76,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $39,000 | $39,000 |
| Credit History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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