Holt County, NE Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 227 mortgage applications in Holt County, NE totaling $23.4 million, up 10% from 2017. The average application was for $103,000, and applicants reported an average income of $79,000. 52% of applications resulted in an originated loan and 20% were denied. The most active lender was Pinnacle Bank, with 62 applications, followed by Great Western Bank and US Bank, N.A..
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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 | 227 |
| Total Mortgage Loan Application Amount | $23,385,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $546,000 |
| 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 |
* | $ 4,594,004,000 | 62 | $ 5,750,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 36 | $ 2,120,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 22 | $ 1,900,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 9 | $ 965,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 1,215,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 8 | $ 580,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 491,903,000 | 7 | $ 825,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 525,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 1,360,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 3 | $ 325,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 485,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 3 | $ 315,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 3 | $ 435,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 310,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 180,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 230,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,836,505,000 | 2 | $ 100,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 80,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 380,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 2 | $ 270,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 95,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 787,150,000 | 1 | $ 25,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 185,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 65,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 65,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 95,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 105,000 |
| Midwest Bank National Association 114 WEST MAIN PIERCE, NE 68767 |
* | $ 703,422,000 | 1 | $ 215,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 20,351,074,000 | 1 | $ 355,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 155,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 125,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 145,000 |
| Metro Credit Union 14517 F STREET SUITE 211 OMAHA, NE 68137 |
* | $ 331,727,000 | 1 | $ 35,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 245,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 25,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 185,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 478,339,000 | 1 | $ 105,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 295,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 245,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ 308,742,000 | 1 | $ 205,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 933,081,000 | 1 | $ 55,000 |
The tables below break down 2018 mortgage applications in Holt 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 Holt 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 | 106 | $12,580,000 | $118,000 | $515,000 | $85,000 | $546,000 |
| Cash-out Refinancing | 40 | $5,390,000 | $134,000 | $295,000 | $73,000 | $166,000 |
| Refinancing | 39 | $3,275,000 | $83,000 | $285,000 | $79,000 | $215,000 |
| Home Improvement | 23 | $1,235,000 | $53,000 | $355,000 | $85,000 | $472,000 |
| Other Purpose | 16 | $690,000 | $43,000 | $125,000 | $50,000 | $125,000 |
| Not Applicable | 3 | $215,000 | $71,000 | $115,000 | $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 | 175 | $18,215,000 | $104,000 | $515,000 | $81,000 | $546,000 |
| Not applicable | 28 | $2,950,000 | $105,000 | $285,000 | $0 | $0 |
| Not Provided | 18 | $1,720,000 | $95,000 | $185,000 | $67,000 | $136,000 |
| Hispanic | 4 | $340,000 | $85,000 | $135,000 | $51,000 | $83,000 |
| Black or African American | 1 | $125,000 | $125,000 | $125,000 | $45,000 | $45,000 |
| 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 |
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) | 157 | $14,795,000 | $94,000 | $355,000 | $85,000 | $546,000 |
| FHA-insured (Federal Housing Administration) | 27 | $3,225,000 | $119,000 | $255,000 | $68,000 | $147,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $1,935,000 | $84,000 | $145,000 | $46,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,430,000 | $171,000 | $515,000 | $67,000 | $183,000 |
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 | 119 | $12,335,000 | $103,000 | $515,000 | $88,000 | $546,000 |
| Application Denied By Financial Institution | 45 | $4,095,000 | $91,000 | $355,000 | $57,000 | $171,000 |
| Loan Purchased By The Institution | 42 | $4,570,000 | $108,000 | $285,000 | $83,000 | $156,000 |
| Application Withdrawn By Applicant | 15 | $1,795,000 | $119,000 | $255,000 | $70,000 | $215,000 |
| File Closed For Incompleteness | 5 | $485,000 | $97,000 | $165,000 | $96,000 | $215,000 |
| Preapproval Approved but not Accepted | 1 | $105,000 | $105,000 | $105,000 | $51,000 | $51,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 | 180 | $18,980,000 | $105,000 | $515,000 | $85,000 | $546,000 |
| Credit History | 20 | $1,360,000 | $68,000 | $205,000 | $61,000 | $171,000 |
| Debt-To-Income Ratio | 15 | $1,855,000 | $123,000 | $355,000 | $57,000 | $160,000 |
| Collateral | 4 | $380,000 | $95,000 | $155,000 | $49,000 | $76,000 |
| Credit Application Incomplete | 2 | $340,000 | $170,000 | $185,000 | $61,000 | $77,000 |
| Other | 2 | $220,000 | $110,000 | $125,000 | $68,000 | $80,000 |
| Unverifiable Information | 2 | $80,000 | $40,000 | $75,000 | $49,000 | $86,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $67,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $65,000 | $65,000 |
| 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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