Jefferson County, NE Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 211 mortgage applications in Jefferson County, NE totaling $33.6 million, up 9% from 2023. The average application was for $159,000, and applicants reported an average income of $93,000. 56% of applications resulted in an originated loan and 15% were denied. The most active lender was Union Bank and Trust Company, with 25 applications, followed by US Bank, N.A. 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 | 211 |
| Total Mortgage Loan Application Amount | $33,555,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $2,105,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $509,000 |
* 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 |
|---|---|---|---|---|
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ n/a | 25 | $ 2,985,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 13 | $ 1,885,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 12 | $ 2,060,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 10 | $ 1,290,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 2,185,000 |
| Heartland Bank 896 G ST, GENEVA, NE GENEVA, NE 68361 |
* | $ n/a | 8 | $ 3,230,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 7 | $ 2,405,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ n/a | 7 | $ 465,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 6 | $ 730,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 5 | $ 265,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 5 | $ 985,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 5 | $ 795,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 345,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 65,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 1,625,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ n/a | 3 | $ 415,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 295,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 285,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ n/a | 3 | $ 745,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 315,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ n/a | 3 | $ 225,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 135,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ n/a | 3 | $ 295,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 275,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 120,000 |
| City Bank & Trust Co. 1135 MAIN AVE. CRETE, NE 68333 |
* | $ n/a | 2 | $ 350,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 340,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 70,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 620,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 360,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 100,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ n/a | 2 | $ 270,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 810,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 150,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 1 | $ 215,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 135,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 75,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 155,000 |
| Cornhusker Bank 8310 O STREET LINCOLN, NE 68510 |
* | $ n/a | 1 | $ 35,000 |
| Brighton Bank 7663 HIGHWAY 51 S BRIGHTON, TN 38011 |
* | $ n/a | 1 | $ 445,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 255,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 105,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ n/a | 1 | $ 75,000 |
| First Nebraska Credit Union 10655 BEDFORD AVE OMAHA, NE 68134 |
* | $ n/a | 1 | $ 105,000 |
| Core Bank 12100 W CENTER RD OMAHA, NE 68118 |
* | $ n/a | 1 | $ 315,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 75,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 75,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 185,000 |
| Loanfront, LLC RED BANK, NJ 07701 |
* | $ n/a | 1 | $ 135,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ n/a | 1 | $ 25,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 105,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ n/a | 1 | $ 25,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ n/a | 1 | $ 65,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 125,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 105,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 195,000 |
The tables below break down 2024 mortgage applications in Jefferson 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 Jefferson County, NE in 2024
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 | 119 | $23,815,000 | $200,000 | $2,105,000 | $93,000 | $388,000 |
| Cash-out Refinancing | 36 | $4,710,000 | $130,000 | $475,000 | $71,000 | $192,000 |
| Home Improvement | 22 | $1,410,000 | $64,000 | $195,000 | $94,000 | $192,000 |
| Other Purpose | 20 | $1,240,000 | $62,000 | $215,000 | $94,000 | $249,000 |
| Refinancing | 14 | $2,380,000 | $170,000 | $745,000 | $163,000 | $509,000 |
| 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 | 170 | $26,310,000 | $154,000 | $2,105,000 | $92,000 | $509,000 |
| Not applicable | 17 | $3,385,000 | $199,000 | $725,000 | $0 | $0 |
| Not Provided | 15 | $2,605,000 | $173,000 | $605,000 | $96,000 | $388,000 |
| Hispanic | 6 | $790,000 | $131,000 | $255,000 | $73,000 | $201,000 |
| Black or African American | 2 | $260,000 | $130,000 | $185,000 | $150,000 | $181,000 |
| American Indian or Alaskan Native | 1 | $205,000 | $205,000 | $205,000 | $212,000 | $212,000 |
| Asian | 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) | 135 | $20,095,000 | $148,000 | $2,105,000 | $101,000 | $509,000 |
| FHA-insured (Federal Housing Administration) | 47 | $6,225,000 | $132,000 | $315,000 | $69,000 | $201,000 |
| VA-guaranteed (Veterans Administration) | 24 | $6,630,000 | $276,000 | $745,000 | $91,000 | $192,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $605,000 | $121,000 | $195,000 | $69,000 | $104,000 |
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 | 118 | $19,210,000 | $162,000 | $2,105,000 | $95,000 | $509,000 |
| Application Denied By Financial Institution | 31 | $3,955,000 | $127,000 | $505,000 | $93,000 | $231,000 |
| Loan Purchased By The Institution | 28 | $4,760,000 | $170,000 | $725,000 | $71,000 | $126,000 |
| Application Withdrawn By Applicant | 18 | $3,310,000 | $183,000 | $745,000 | $65,000 | $182,000 |
| File Closed For Incompleteness | 8 | $1,670,000 | $208,000 | $555,000 | $114,000 | $192,000 |
| Application Approved But Not Accepted | 8 | $650,000 | $81,000 | $255,000 | $134,000 | $388,000 |
| 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 | 168 | $25,380,000 | $151,000 | $745,000 | $92,000 | $509,000 |
| Debt-To-Income Ratio | 23 | $6,035,000 | $262,000 | $2,105,000 | $96,000 | $240,000 |
| Collateral | 8 | $710,000 | $88,000 | $185,000 | $90,000 | $231,000 |
| Credit History | 6 | $400,000 | $66,000 | $155,000 | $87,000 | $137,000 |
| Credit Application Incomplete | 3 | $665,000 | $221,000 | $475,000 | $146,000 | $192,000 |
| Other | 2 | $170,000 | $85,000 | $135,000 | $78,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $114,000 | $114,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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