Harlan County, NE Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 79 mortgage applications in Harlan County, NE totaling $9.5 million, up 7% from 2018. The average application was for $120,000, and applicants reported an average income of $77,000. 52% of applications resulted in an originated loan and 10% were denied. The most active lender was Plains Commerce Bank, with 10 applications, followed by First National Bank of Omaha 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 | 79 |
| Total Mortgage Loan Application Amount | $9,515,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $197,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 656,158,000 | 10 | $ 1,630,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 7 | $ 865,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 611,001,000 | 7 | $ 1,125,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 6 | $ 930,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 318,389,000 | 5 | $ 895,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 305,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 3 | $ 265,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 415,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 3 | $ 655,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 195,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ 526,482,000 | 2 | $ 50,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 190,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 140,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 292,321,000 | 2 | $ 200,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 35,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 25,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,149,669,000 | 1 | $ 95,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 105,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 1 | $ 65,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 185,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 1 | $ 105,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 1 | $ 55,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 780,385,000 | 1 | $ 65,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 65,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 45,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,729,390,000 | 1 | $ 245,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 282,020,000 | 1 | $ 55,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 75,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,706,292,000 | 1 | $ 65,000 |
The tables below break down 2019 mortgage applications in Harlan 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 Harlan County, NE in 2019
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 | 46 | $5,890,000 | $128,000 | $395,000 | $77,000 | $173,000 |
| Refinancing | 14 | $1,990,000 | $142,000 | $255,000 | $93,000 | $171,000 |
| Cash-out Refinancing | 13 | $1,275,000 | $98,000 | $285,000 | $56,000 | $197,000 |
| Home Improvement | 3 | $135,000 | $45,000 | $75,000 | $98,000 | $102,000 |
| Other Purpose | 2 | $180,000 | $90,000 | $95,000 | $84,000 | $88,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 58 | $6,990,000 | $120,000 | $395,000 | $75,000 | $197,000 |
| Not Provided | 8 | $1,200,000 | $150,000 | $255,000 | $91,000 | $171,000 |
| Not applicable | 7 | $715,000 | $102,000 | $145,000 | $0 | $0 |
| Hispanic | 4 | $560,000 | $140,000 | $235,000 | $105,000 | $173,000 |
| American Indian or Alaskan Native | 2 | $50,000 | $25,000 | $35,000 | $38,000 | $38,000 |
| 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) | 52 | $6,960,000 | $133,000 | $395,000 | $87,000 | $197,000 |
| FHA-insured (Federal Housing Administration) | 12 | $680,000 | $56,000 | $75,000 | $40,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,030,000 | $128,000 | $285,000 | $74,000 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $845,000 | $120,000 | $145,000 | $44,000 | $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 | 41 | $5,165,000 | $125,000 | $285,000 | $80,000 | $197,000 |
| Loan Purchased By The Institution | 15 | $2,295,000 | $153,000 | $265,000 | $116,000 | $173,000 |
| Application Withdrawn By Applicant | 10 | $1,330,000 | $133,000 | $395,000 | $72,000 | $147,000 |
| Application Denied By Financial Institution | 8 | $550,000 | $68,000 | $125,000 | $47,000 | $102,000 |
| Application Approved But Not Accepted | 3 | $85,000 | $28,000 | $35,000 | $29,000 | $38,000 |
| File Closed For Incompleteness | 2 | $90,000 | $45,000 | $65,000 | $75,000 | $99,000 |
| 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 | 67 | $8,715,000 | $130,000 | $395,000 | $81,000 | $197,000 |
| Debt-To-Income Ratio | 7 | $445,000 | $63,000 | $145,000 | $57,000 | $142,000 |
| Credit History | 4 | $320,000 | $80,000 | $125,000 | $48,000 | $70,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $102,000 | $102,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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