Hamilton County, NE Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 375 mortgage applications in Hamilton County, NE totaling $52.2 million, about the same as 2017. The average application was for $139,000, and applicants reported an average income of $92,000. 63% of applications resulted in an originated loan and 10% were denied. The most active lender was Pinnacle Bank, with 63 applications, followed by West Gate Bank and Cornerstone Bank.
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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 | 375 |
| Total Mortgage Loan Application Amount | $52,155,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $790,000 |
Top Mortgage Lenders in Hamilton County, NE (2018)
Ranked by the number of mortgage applications each lender reported in Hamilton County, NE in 2018.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Pinnacle Bank Lincoln, NE |
63 | $7,885,000 | $125,000 | $92,000 |
| 2 | West Gate Bank Lincoln, NE |
34 | $6,160,000 | $181,000 | $92,000 |
| 3 | Cornerstone Bank York, NE |
27 | $3,095,000 | $114,000 | $72,000 |
| 4 | US Bank, N.A. Cincinnati, OH |
25 | $2,765,000 | $110,000 | $91,000 |
| 5 | Five Points Bank Grand Island, NE |
12 | $2,680,000 | $223,000 | $361,000 |
| 6 | Franklin American Mortgage Company Franklin, TN |
11 | $1,365,000 | $124,000 | $67,000 |
| 7 | Wells Fargo Bank NA Minneapolis, MN |
11 | $1,505,000 | $136,000 | $83,000 |
| 8 | Home Federal Savings and Loan Grand Island, NE |
10 | $1,080,000 | $108,000 | $66,000 |
| 9 | First National Bank of Omaha Omaha, NE |
10 | $1,600,000 | $160,000 | $87,000 |
| 10 | Gateway Mortgage Group, LLC Jenks, OK |
8 | $910,000 | $113,000 | $56,000 |
The tables below break down 2018 mortgage applications in Hamilton 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 Hamilton County, NE in 2018
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 | 180 | $27,900,000 | $155,000 | $455,000 | $93,000 | $790,000 |
| Cash-out Refinancing | 75 | $11,275,000 | $150,000 | $435,000 | $79,000 | $352,000 |
| Refinancing | 66 | $9,880,000 | $149,000 | $675,000 | $96,000 | $392,000 |
| Other Purpose | 25 | $1,745,000 | $69,000 | $225,000 | $119,000 | $544,000 |
| Home Improvement | 25 | $1,165,000 | $46,000 | $125,000 | $84,000 | $204,000 |
| Not Applicable | 4 | $190,000 | $47,000 | $75,000 | $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 | 303 | $41,955,000 | $138,000 | $675,000 | $88,000 | $544,000 |
| Not applicable | 48 | $6,720,000 | $140,000 | $455,000 | $95,000 | $95,000 |
| Not Provided | 14 | $1,910,000 | $136,000 | $325,000 | $84,000 | $170,000 |
| Hispanic | 8 | $1,270,000 | $158,000 | $425,000 | $234,000 | $790,000 |
| American Indian or Alaskan Native | 2 | $300,000 | $150,000 | $155,000 | $61,000 | $77,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian 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) | 282 | $38,590,000 | $136,000 | $675,000 | $97,000 | $790,000 |
| VA-guaranteed (Veterans Administration) | 41 | $7,535,000 | $183,000 | $455,000 | $86,000 | $352,000 |
| FHA-insured (Federal Housing Administration) | 35 | $3,965,000 | $113,000 | $195,000 | $65,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,065,000 | $121,000 | $205,000 | $45,000 | $70,000 |
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 | 236 | $32,970,000 | $139,000 | $675,000 | $99,000 | $790,000 |
| Loan Purchased By The Institution | 63 | $9,295,000 | $147,000 | $455,000 | $72,000 | $170,000 |
| Application Denied By Financial Institution | 37 | $4,635,000 | $125,000 | $455,000 | $74,000 | $352,000 |
| Application Withdrawn By Applicant | 21 | $3,275,000 | $155,000 | $425,000 | $96,000 | $172,000 |
| File Closed For Incompleteness | 9 | $985,000 | $109,000 | $165,000 | $58,000 | $108,000 |
| Application Approved But Not Accepted | 8 | $840,000 | $105,000 | $275,000 | $78,000 | $130,000 |
| Preapproval Denied by Financial Institution | 1 | $155,000 | $155,000 | $155,000 | $15,000 | $15,000 |
| Preapproval 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 | 280 | $39,650,000 | $141,000 | $455,000 | $85,000 | $544,000 |
| Debt-To-Income Ratio | 69 | $9,795,000 | $141,000 | $675,000 | $125,000 | $790,000 |
| Collateral | 10 | $890,000 | $89,000 | $225,000 | $78,000 | $132,000 |
| Credit History | 8 | $900,000 | $112,000 | $305,000 | $104,000 | $352,000 |
| Other | 5 | $355,000 | $71,000 | $115,000 | $54,000 | $76,000 |
| Credit Application Incomplete | 3 | $565,000 | $188,000 | $275,000 | $61,000 | $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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