Hamilton County, NE Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 344 mortgage applications in Hamilton County, NE totaling $60.3 million, down 20% from 2022. The average application was for $175,000, and applicants reported an average income of $99,000. 62% of applications resulted in an originated loan and 9% were denied. The most active lender was Pinnacle Bank, with 83 applications, followed by Cornerstone Bank and West Gate 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 | 344 |
| Total Mortgage Loan Application Amount | $60,270,000 |
| Average Mortgage Loan Application Amount | $175,000 |
| Highest Mortgage Loan Application Amount | $955,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $441,000 |
Top Mortgage Lenders in Hamilton County, NE (2023)
Ranked by the number of mortgage applications each lender reported in Hamilton County, NE in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Pinnacle Bank Lincoln, NE |
83 | $12,465,000 | $150,000 | $116,000 |
| 2 | Cornerstone Bank York, NE |
23 | $2,645,000 | $115,000 | $77,000 |
| 3 | West Gate Bank Lincoln, NE |
17 | $3,875,000 | $227,000 | $100,000 |
| 4 | Heartland Bank Geneva, NE |
17 | $2,175,000 | $127,000 | $105,000 |
| 5 | First National Bank of Omaha Omaha, NE |
16 | $4,080,000 | $255,000 | $129,000 |
| 6 | Peoples Mortgage Company Tempe, AZ |
15 | $3,235,000 | $215,000 | $80,000 |
| 7 | Archer Cooperative Credit Union Archer, NE |
11 | $1,345,000 | $122,000 | $79,000 |
| 8 | US Bank, N.A. Cincinnati, OH |
11 | $1,515,000 | $137,000 | $77,000 |
| 9 | PennyMac Loan Services LLC Westlake Village, CA |
10 | $1,770,000 | $177,000 | $83,000 |
| 10 | Equitable Bank Grand Island, NE |
8 | $2,340,000 | $292,000 | $150,000 |
The tables below break down 2023 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 2023
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 | 230 | $49,590,000 | $215,000 | $955,000 | $102,000 | $370,000 |
| Home Improvement | 38 | $1,920,000 | $50,000 | $225,000 | $97,000 | $441,000 |
| Other Purpose | 32 | $2,260,000 | $70,000 | $305,000 | $107,000 | $285,000 |
| Refinancing | 22 | $2,960,000 | $134,000 | $385,000 | $89,000 | $156,000 |
| Cash-out Refinancing | 22 | $3,540,000 | $160,000 | $325,000 | $78,000 | $130,000 |
| 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 | 268 | $46,690,000 | $174,000 | $955,000 | $103,000 | $441,000 |
| Not applicable | 37 | $6,835,000 | $184,000 | $355,000 | $64,000 | $64,000 |
| Hispanic | 17 | $3,085,000 | $181,000 | $355,000 | $75,000 | $129,000 |
| Not Provided | 13 | $2,115,000 | $162,000 | $325,000 | $69,000 | $156,000 |
| Asian | 4 | $660,000 | $165,000 | $505,000 | $94,000 | $160,000 |
| Black or African American | 4 | $660,000 | $165,000 | $205,000 | $50,000 | $68,000 |
| American Indian or Alaskan Native | 1 | $225,000 | $225,000 | $225,000 | $150,000 | $150,000 |
| 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) | 255 | $42,815,000 | $167,000 | $955,000 | $105,000 | $441,000 |
| FHA-insured (Federal Housing Administration) | 56 | $10,520,000 | $187,000 | $365,000 | $75,000 | $214,000 |
| VA-guaranteed (Veterans Administration) | 22 | $5,110,000 | $232,000 | $465,000 | $93,000 | $156,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,825,000 | $165,000 | $235,000 | $65,000 | $91,000 |
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 | 214 | $38,310,000 | $179,000 | $955,000 | $106,000 | $441,000 |
| Loan Purchased By The Institution | 49 | $10,065,000 | $205,000 | $555,000 | $89,000 | $200,000 |
| Application Withdrawn By Applicant | 33 | $6,785,000 | $205,000 | $725,000 | $111,000 | $312,000 |
| Application Denied By Financial Institution | 31 | $2,985,000 | $96,000 | $255,000 | $65,000 | $255,000 |
| Application Approved But Not Accepted | 9 | $955,000 | $106,000 | $235,000 | $61,000 | $118,000 |
| File Closed For Incompleteness | 7 | $1,005,000 | $143,000 | $295,000 | $69,000 | $103,000 |
| Preapproval Denied by Financial Institution | 1 | $165,000 | $165,000 | $165,000 | $42,000 | $42,000 |
| 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 | 264 | $49,760,000 | $188,000 | $725,000 | $103,000 | $441,000 |
| Debt-To-Income Ratio | 66 | $9,230,000 | $139,000 | $955,000 | $91,000 | $338,000 |
| Credit History | 9 | $645,000 | $71,000 | $165,000 | $71,000 | $120,000 |
| Collateral | 2 | $120,000 | $60,000 | $65,000 | $78,000 | $100,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $57,000 | $57,000 |
| Other | 1 | $255,000 | $255,000 | $255,000 | $80,000 | $80,000 |
| Employment History | 1 | $225,000 | $225,000 | $225,000 | $53,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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