Gosper County, NE Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 93 mortgage applications in Gosper County, NE totaling $15.4 million, down 11% from 2020. The average application was for $166,000, and applicants reported an average income of $90,000. 69% of applications resulted in an originated loan and 11% were denied. The most active lender was Home Federal Savings and Loan, with 12 applications, followed by Pinnacle Bank and Wells Fargo 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 | 93 |
| Total Mortgage Loan Application Amount | $15,445,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $481,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 292,130,000 | 12 | $ 2,370,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 5,333,783,000 | 9 | $ 1,495,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 7 | $ 925,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 1,151,009,000 | 7 | $ 695,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 720,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 4 | $ 420,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 3 | $ 325,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 3 | $ 475,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 1,284,481,000 | 3 | $ 465,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 3 | $ 725,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 720,844,000 | 2 | $ 300,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 2 | $ 110,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 2 | $ 410,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 730,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 1 | $ 15,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 165,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,583,369,000 | 1 | $ 85,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 105,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 145,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 155,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 356,893,000 | 1 | $ 205,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 1 | $ 175,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 555,366,000 | 1 | $ 215,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 14,144,676,000 | 1 | $ 315,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 288,563,000 | 1 | $ 135,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 375,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 315,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 385,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 75,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 175,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 972,141,000 | 1 | $ 135,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 307,643,000 | 1 | $ 95,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 947,909,000 | 1 | $ 225,000 |
The tables below break down 2021 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 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 | 33 | $5,455,000 | $165,000 | $545,000 | $93,000 | $226,000 |
| Cash-out Refinancing | 30 | $6,570,000 | $219,000 | $605,000 | $102,000 | $481,000 |
| Refinancing | 26 | $3,000,000 | $115,000 | $225,000 | $67,000 | $155,000 |
| Other Purpose | 2 | $350,000 | $175,000 | $315,000 | $189,000 | $325,000 |
| Home Improvement | 2 | $70,000 | $35,000 | $45,000 | $47,000 | $55,000 |
| 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 | 74 | $11,620,000 | $157,000 | $605,000 | $90,000 | $481,000 |
| Not applicable | 7 | $1,395,000 | $199,000 | $465,000 | $0 | $0 |
| Hispanic | 7 | $1,525,000 | $217,000 | $455,000 | $87,000 | $226,000 |
| Not Provided | 5 | $905,000 | $181,000 | $315,000 | $89,000 | $141,000 |
| 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) | 79 | $13,315,000 | $168,000 | $605,000 | $93,000 | $481,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $890,000 | $148,000 | $175,000 | $39,000 | $41,000 |
| FHA-insured (Federal Housing Administration) | 5 | $555,000 | $111,000 | $185,000 | $49,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 3 | $685,000 | $228,000 | $375,000 | $92,000 | $123,000 |
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 | 64 | $10,330,000 | $161,000 | $605,000 | $91,000 | $481,000 |
| Loan Purchased By The Institution | 10 | $2,170,000 | $217,000 | $465,000 | $136,000 | $253,000 |
| Application Denied By Financial Institution | 10 | $1,260,000 | $126,000 | $225,000 | $71,000 | $150,000 |
| Application Withdrawn By Applicant | 6 | $820,000 | $136,000 | $315,000 | $69,000 | $119,000 |
| File Closed For Incompleteness | 2 | $690,000 | $345,000 | $375,000 | $65,000 | $67,000 |
| Application Approved But Not Accepted | 1 | $175,000 | $175,000 | $175,000 | $180,000 | $180,000 |
| 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 | 82 | $13,970,000 | $170,000 | $605,000 | $92,000 | $481,000 |
| Debt-To-Income Ratio | 4 | $480,000 | $120,000 | $215,000 | $63,000 | $111,000 |
| Credit Application Incomplete | 3 | $425,000 | $141,000 | $205,000 | $79,000 | $109,000 |
| Collateral | 2 | $290,000 | $145,000 | $225,000 | $97,000 | $150,000 |
| Credit History | 1 | $175,000 | $175,000 | $175,000 | $41,000 | $41,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $87,000 | $87,000 |
| 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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