Harlan County, NE Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 48 mortgage applications in Harlan County, NE totaling $6.1 million, down 47% from 2022. The average application was for $126,000, and applicants reported an average income of $78,000. 58% of applications resulted in an originated loan and 19% were denied. The most active lender was First National Bank of Omaha, with 5 applications, followed by Pinnacle Bank and Plains Commerce 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 | 48 |
| Total Mortgage Loan Application Amount | $6,050,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $201,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 28,274,145,000 | 5 | $ 855,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 7,724,198,000 | 4 | $ 470,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 4 | $ 470,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 3 | $ 395,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 115,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 2 | $ 640,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 450,000 |
| Firstier Bank BROOMFIELD, CO 82001 |
* | $ 871,148,000 | 2 | $ 130,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 110,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 7,608,489,000 | 2 | $ 60,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 120,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 2,373,745,000 | 1 | $ 45,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 205,000 |
| Firstbank of Nebraska 201 E 5TH ST WAHOO, NE 68066 |
* | $ 384,159,000 | 1 | $ 125,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 972,103,000 | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 135,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 1 | $ 245,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 55,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 982,277,000 | 1 | $ 195,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 839,698,000 | 1 | $ 15,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 415,343,000 | 1 | $ 205,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 426,464,000 | 1 | $ 125,000 |
The tables below break down 2023 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 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 | 24 | $3,890,000 | $162,000 | $415,000 | $100,000 | $201,000 |
| Cash-out Refinancing | 9 | $925,000 | $102,000 | $305,000 | $51,000 | $84,000 |
| Other Purpose | 7 | $355,000 | $50,000 | $85,000 | $31,000 | $75,000 |
| Refinancing | 4 | $780,000 | $195,000 | $355,000 | $99,000 | $131,000 |
| Home Improvement | 4 | $100,000 | $25,000 | $35,000 | $81,000 | $144,000 |
| 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 | 36 | $4,500,000 | $125,000 | $415,000 | $82,000 | $201,000 |
| Not Provided | 6 | $600,000 | $100,000 | $205,000 | $57,000 | $85,000 |
| Not applicable | 5 | $885,000 | $177,000 | $355,000 | $0 | $0 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $62,000 | $62,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 41 | $4,985,000 | $121,000 | $415,000 | $80,000 | $201,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,065,000 | $152,000 | $305,000 | $69,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 28 | $3,910,000 | $139,000 | $415,000 | $91,000 | $201,000 |
| Application Denied By Financial Institution | 9 | $795,000 | $88,000 | $305,000 | $50,000 | $150,000 |
| Application Withdrawn By Applicant | 6 | $570,000 | $95,000 | $185,000 | $63,000 | $138,000 |
| Loan Purchased By The Institution | 3 | $605,000 | $201,000 | $245,000 | $195,000 | $195,000 |
| File Closed For Incompleteness | 2 | $170,000 | $85,000 | $135,000 | $34,000 | $48,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 35 | $4,965,000 | $141,000 | $415,000 | $84,000 | $195,000 |
| Collateral | 5 | $575,000 | $115,000 | $305,000 | $78,000 | $150,000 |
| Debt-To-Income Ratio | 4 | $290,000 | $72,000 | $125,000 | $104,000 | $201,000 |
| Credit Application Incomplete | 2 | $110,000 | $55,000 | $55,000 | $0 | $0 |
| Other | 2 | $110,000 | $55,000 | $75,000 | $32,000 | $40,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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