Howard County, NE Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 229 mortgage applications in Howard County, NE totaling $39.9 million, up 22% from 2024. The average application was for $174,000, and applicants reported an average income of $98,000. 56% of applications resulted in an originated loan and 13% were denied. The most active lender was Archer Cooperative Credit Union, with 14 applications, followed by US Bank, N.A. and Five Points 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 | 229 |
| Total Mortgage Loan Application Amount | $39,925,000 |
| Average Mortgage Loan Application Amount | $174,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $350,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Archer Cooperative Credit Union 2121 ARCHER RD ARCHER, NE 68816 |
* | $ n/a | 14 | $ 1,950,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 13 | $ 1,975,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ n/a | 13 | $ 1,445,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 13 | $ 2,545,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 11 | $ 1,715,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 11 | $ 2,035,000 |
| Citizens Bank & Trust Col. PO BOX 385, 7217TH STREET ST. PAUL, NE 68873 |
* | $ n/a | 9 | $ 1,245,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 8 | $ 2,010,000 |
| Pathway Bank 306 S HIGH ST PO BOX 428 CAIRO, NE 68824 |
* | $ n/a | 7 | $ 1,035,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ n/a | 6 | $ 1,170,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ n/a | 6 | $ 1,260,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,820,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 6 | $ 1,390,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 695,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ n/a | 5 | $ 405,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 5 | $ 645,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 1,045,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 5 | $ 1,045,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ n/a | 4 | $ 600,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ n/a | 4 | $ 630,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ n/a | 4 | $ 1,260,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 205,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 3 | $ 485,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 3 | $ 385,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 575,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ n/a | 3 | $ 355,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ n/a | 3 | $ 685,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 565,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 535,000 |
| Exchange Bank 14 LABARRE STREET KEARNEY, NE 68847 |
* | $ n/a | 2 | $ 500,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 340,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 2 | $ 640,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 100,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 460,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 65,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 195,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 55,000 |
| US Home Mortgage, Inc. 5901 S 58TH ST A LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 75,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 205,000 |
| Mnb Bank 220 NORRIS AVE MCCOOK, NE 69001 |
* | $ n/a | 1 | $ 275,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 695,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 105,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 155,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 195,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 205,000 |
| Equitable Savings & Loan Assoc PO BOX 1726 STERLING, CO 80751 |
* | $ n/a | 1 | $ 355,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 85,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 75,000 |
| Cobalt Credit Union 7148 TOWNE CENTER PARKWAY PAPILLION, NE 68046 |
* | $ n/a | 1 | $ 75,000 |
| Firstier Bank BROOMFIELD, CO 82001 |
* | $ n/a | 1 | $ 255,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ n/a | 1 | $ 145,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 275,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 115,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 365,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 105,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 175,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 25,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 215,000 |
The tables below break down 2025 mortgage applications in Howard 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 Howard County, NE in 2025
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 | 102 | $20,110,000 | $197,000 | $605,000 | $97,000 | $350,000 |
| Cash-out Refinancing | 49 | $7,865,000 | $160,000 | $475,000 | $101,000 | $291,000 |
| Refinancing | 37 | $8,825,000 | $238,000 | $705,000 | $108,000 | $273,000 |
| Other Purpose | 24 | $1,620,000 | $67,000 | $235,000 | $94,000 | $294,000 |
| Home Improvement | 16 | $1,230,000 | $76,000 | $325,000 | $85,000 | $148,000 |
| Not Applicable | 1 | $275,000 | $275,000 | $275,000 | $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 | 186 | $32,230,000 | $173,000 | $705,000 | $97,000 | $350,000 |
| Not applicable | 14 | $3,090,000 | $220,000 | $605,000 | $251,000 | $251,000 |
| Hispanic | 14 | $2,130,000 | $152,000 | $465,000 | $107,000 | $218,000 |
| Not Provided | 11 | $1,955,000 | $177,000 | $325,000 | $101,000 | $200,000 |
| American Indian or Alaskan Native | 2 | $190,000 | $95,000 | $105,000 | $84,000 | $107,000 |
| Asian | 1 | $155,000 | $155,000 | $155,000 | $119,000 | $119,000 |
| Black or African American | 1 | $175,000 | $175,000 | $175,000 | $64,000 | $64,000 |
| 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) | 166 | $25,190,000 | $151,000 | $605,000 | $99,000 | $350,000 |
| FHA-insured (Federal Housing Administration) | 38 | $7,820,000 | $205,000 | $465,000 | $79,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 24 | $6,730,000 | $280,000 | $705,000 | $131,000 | $291,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $185,000 | $185,000 | $185,000 | $60,000 | $60,000 |
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 | 129 | $21,525,000 | $166,000 | $605,000 | $105,000 | $350,000 |
| Application Denied By Financial Institution | 29 | $4,605,000 | $158,000 | $475,000 | $82,000 | $291,000 |
| Loan Purchased By The Institution | 28 | $6,130,000 | $218,000 | $605,000 | $102,000 | $251,000 |
| Application Withdrawn By Applicant | 25 | $4,455,000 | $178,000 | $695,000 | $90,000 | $200,000 |
| File Closed For Incompleteness | 9 | $1,465,000 | $162,000 | $335,000 | $96,000 | $150,000 |
| Application Approved But Not Accepted | 9 | $1,745,000 | $193,000 | $705,000 | $74,000 | $100,000 |
| 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 | 152 | $28,130,000 | $185,000 | $705,000 | $98,000 | $294,000 |
| Debt-To-Income Ratio | 54 | $8,900,000 | $164,000 | $605,000 | $107,000 | $350,000 |
| Collateral | 7 | $885,000 | $126,000 | $235,000 | $57,000 | $115,000 |
| Credit Application Incomplete | 5 | $685,000 | $137,000 | $175,000 | $74,000 | $80,000 |
| Credit History | 5 | $405,000 | $81,000 | $165,000 | $102,000 | $291,000 |
| Other | 3 | $605,000 | $201,000 | $305,000 | $121,000 | $153,000 |
| Employment History | 2 | $140,000 | $70,000 | $135,000 | $51,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $175,000 | $175,000 | $175,000 | $72,000 | $72,000 |
| 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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