Gosper County, NE Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 67 mortgage applications in Gosper County, NE totaling $13.7 million, down 28% from 2021. The average application was for $204,000, and applicants reported an average income of $107,000. 58% of applications resulted in an originated loan and 9% were denied. The most active lender was Pinnacle Bank, with 10 applications, followed by Security First Bank and Home Federal Savings and Loan.
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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 | 67 |
| Total Mortgage Loan Application Amount | $13,705,000 |
| Average Mortgage Loan Application Amount | $204,000 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $673,000 |
| 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 |
* | $ 7,852,003,000 | 10 | $ 2,520,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 1,463,879,000 | 6 | $ 680,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 402,951,000 | 4 | $ 1,350,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 405,261,000 | 4 | $ 830,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 26,812,859,000 | 4 | $ 510,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 3 | $ 445,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 515,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 785,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 330,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 390,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 2 | $ 350,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 2 | $ 530,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 175,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 1 | $ 165,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 162,963,000 | 1 | $ 145,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 85,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 858,139,000 | 1 | $ 155,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 225,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 395,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 235,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 1 | $ 135,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 1,181,623,000 | 1 | $ 125,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 1,925,807,000 | 1 | $ 435,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 1,266,449,000 | 1 | $ 105,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 115,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 175,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 275,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 6,586,972,000 | 1 | $ 445,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 295,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 165,000 |
The tables below break down 2022 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 2022
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 | 43 | $8,675,000 | $201,000 | $655,000 | $109,000 | $673,000 |
| Cash-out Refinancing | 18 | $3,320,000 | $184,000 | $335,000 | $112,000 | $354,000 |
| Refinancing | 3 | $795,000 | $265,000 | $435,000 | $85,000 | $172,000 |
| Home Improvement | 2 | $770,000 | $385,000 | $495,000 | $94,000 | $98,000 |
| Other Purpose | 1 | $145,000 | $145,000 | $145,000 | $69,000 | $69,000 |
| 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 | 54 | $10,800,000 | $200,000 | $655,000 | $116,000 | $673,000 |
| Not applicable | 5 | $1,355,000 | $271,000 | $505,000 | $0 | $0 |
| Not Provided | 5 | $875,000 | $175,000 | $275,000 | $46,000 | $90,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $77,000 | $77,000 |
| Black or African American | 1 | $335,000 | $335,000 | $335,000 | $94,000 | $94,000 |
| Hispanic | 1 | $235,000 | $235,000 | $235,000 | $22,000 | $22,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 47 | $9,785,000 | $208,000 | $655,000 | $121,000 | $673,000 |
| FHA-insured (Federal Housing Administration) | 11 | $2,415,000 | $219,000 | $335,000 | $91,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 5 | $885,000 | $177,000 | $235,000 | $58,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $620,000 | $155,000 | $165,000 | $50,000 | $57,000 |
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 | 39 | $8,635,000 | $221,000 | $655,000 | $120,000 | $673,000 |
| Loan Purchased By The Institution | 10 | $2,050,000 | $205,000 | $325,000 | $121,000 | $354,000 |
| Application Withdrawn By Applicant | 7 | $1,105,000 | $157,000 | $335,000 | $99,000 | $222,000 |
| Application Denied By Financial Institution | 6 | $920,000 | $153,000 | $235,000 | $40,000 | $72,000 |
| File Closed For Incompleteness | 4 | $770,000 | $192,000 | $325,000 | $98,000 | $192,000 |
| Preapproval Approved but not Accepted | 1 | $225,000 | $225,000 | $225,000 | $99,000 | $99,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 61 | $12,785,000 | $209,000 | $655,000 | $115,000 | $673,000 |
| Credit History | 2 | $220,000 | $110,000 | $135,000 | $53,000 | $65,000 |
| Debt-To-Income Ratio | 1 | $235,000 | $235,000 | $235,000 | $22,000 | $22,000 |
| Collateral | 1 | $155,000 | $155,000 | $155,000 | $72,000 | $72,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $43,000 | $43,000 |
| Unverifiable Information | 1 | $225,000 | $225,000 | $225,000 | $1,000 | $1,000 |
| Other | 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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