Hayes County, NE Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 20 mortgage applications in Hayes County, NE totaling $2.5 million, up 82% from 2020. The average application was for $125,000, and applicants reported an average income of $78,000. 45% of applications resulted in an originated loan and 25% were denied. The most active lender was Pinnacle Bank, with 3 applications, followed by Charter West Bank and Wells Fargo Bank NA.
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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 | 20 |
| Total Mortgage Loan Application Amount | $2,500,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $245,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $167,000 |
| 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 |
* | $ 5,333,783,000 | 3 | $ 475,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 288,563,000 | 2 | $ 220,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 380,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 85,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 105,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 135,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 65,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 95,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 145,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 145,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 225,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 245,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 307,643,000 | 1 | $ 55,000 |
The tables below break down 2021 mortgage applications in Hayes 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 Hayes County, NE in 2021
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 | 8 | $1,220,000 | $152,000 | $245,000 | $109,000 | $167,000 |
| Refinancing | 6 | $960,000 | $160,000 | $245,000 | $79,000 | $125,000 |
| Other Purpose | 2 | $80,000 | $40,000 | $55,000 | $16,000 | $17,000 |
| Cash-out Refinancing | 2 | $190,000 | $95,000 | $105,000 | $38,000 | $46,000 |
| Home Improvement | 2 | $50,000 | $25,000 | $45,000 | $58,000 | $58,000 |
| 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 | 15 | $1,825,000 | $121,000 | $245,000 | $88,000 | $167,000 |
| Not applicable | 2 | $390,000 | $195,000 | $245,000 | $0 | $0 |
| Not Provided | 2 | $180,000 | $90,000 | $95,000 | $28,000 | $30,000 |
| Hispanic | 1 | $105,000 | $105,000 | $105,000 | $29,000 | $29,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 14 | $1,950,000 | $139,000 | $245,000 | $89,000 | $167,000 |
| FHA-insured (Federal Housing Administration) | 4 | $260,000 | $65,000 | $105,000 | $38,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 2 | $290,000 | $145,000 | $145,000 | $104,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 9 | $1,245,000 | $138,000 | $245,000 | $105,000 | $167,000 |
| Application Denied By Financial Institution | 5 | $475,000 | $95,000 | $175,000 | $45,000 | $98,000 |
| Loan Purchased By The Institution | 3 | $615,000 | $205,000 | $245,000 | $167,000 | $167,000 |
| Application Withdrawn By Applicant | 1 | $55,000 | $55,000 | $55,000 | $48,000 | $48,000 |
| File Closed For Incompleteness | 1 | $85,000 | $85,000 | $85,000 | $30,000 | $30,000 |
| Application Approved But Not Accepted | 1 | $25,000 | $25,000 | $25,000 | $16,000 | $16,000 |
| 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 | 15 | $2,025,000 | $135,000 | $245,000 | $91,000 | $167,000 |
| Collateral | 3 | $255,000 | $85,000 | $105,000 | $24,000 | $29,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $58,000 | $58,000 |
| Debt-To-Income Ratio | 1 | $175,000 | $175,000 | $175,000 | $98,000 | $98,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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