Pinnacle Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Pinnacle Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Pinnacle Bank 20544 Hwy 370 Lincoln, NE 68028 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,896 |
| Total Mortgage Loan Application Amount | $167,058,000 |
| Average Mortgage Loan Application Amount | $168,050 |
| Highest Mortgage Loan Application Amount | $2,034,000 |
| Average Applicant Income | $120,350 |
| Highest Applicant Income | $873,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Pinnacle Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Pinnacle Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Pinnacle Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Pinnacle Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Pinnacle Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Pinnacle Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lancaster County Nebraska | 527 | $ 56,170,000 | $ 106,000 | $ 67,000 |
| Douglas County Nebraska | 213 | $ 26,576,000 | $ 124,000 | $ 70,000 |
| Sarpy County Nebraska | 201 | $ 19,051,000 | $ 94,000 | $ 63,000 |
| Colfax County Nebraska | 99 | $ 4,863,000 | $ 49,000 | $ 38,000 |
| Saline County Nebraska | 75 | $ 5,752,000 | $ 76,000 | $ 44,000 |
| Gage County Nebraska | 73 | $ 4,662,000 | $ 63,000 | $ 34,000 |
| Platte County Nebraska | 71 | $ 4,278,000 | $ 60,000 | $ 38,000 |
| Hamilton County Nebraska | 63 | $ 3,272,000 | $ 51,000 | $ 43,000 |
| Keith County Nebraska | 61 | $ 5,753,000 | $ 94,000 | $ 43,000 |
| Holt County Nebraska | 59 | $ 2,428,000 | $ 41,000 | $ 40,000 |
| Dawson County Nebraska | 56 | $ 4,457,000 | $ 79,000 | $ 41,000 |
| Merrick County Nebraska | 52 | $ 2,815,000 | $ 54,000 | $ 42,000 |
| Madison County Nebraska | 44 | $ 2,081,000 | $ 47,000 | $ 35,000 |
| Jackson County Missouri | 36 | $ 3,279,000 | $ 91,000 | $ 65,000 |
| Cuming County Nebraska | 32 | $ 1,285,000 | $ 40,000 | $ 27,000 |
| Polk County Nebraska | 18 | $ 864,000 | $ 48,000 | $ 31,000 |
| Perkins County Nebraska | 17 | $ 723,000 | $ 42,000 | $ 51,000 |
| Cass County Nebraska | 15 | $ 1,660,000 | $ 110,000 | $ 69,000 |
| Pottawattamie County Iowa | 14 | $ 1,479,000 | $ 105,000 | $ 75,000 |
| Antelope County Nebraska | 12 | $ 303,000 | $ 25,000 | $ 40,000 |
| Dodge County Nebraska | 12 | $ 235,000 | $ 19,000 | $ 29,000 |
| Butler County Nebraska | 8 | $ 335,000 | $ 41,000 | $ 32,000 |
| Jefferson County Nebraska | 8 | $ 326,000 | $ 40,000 | $ 32,000 |
| Knox County Nebraska | 8 | $ 231,000 | $ 28,000 | $ 33,000 |
| Saunders County Nebraska | 8 | $ 1,114,000 | $ 139,000 | $ 85,000 |
| Gosper County Nebraska | 6 | $ 257,000 | $ 42,000 | $ 41,000 |
| Otoe County Nebraska | 6 | $ 695,000 | $ 115,000 | $ 45,000 |
| Seward County Nebraska | 6 | $ 445,000 | $ 74,000 | $ 68,000 |
| Wayne County Nebraska | 6 | $ 382,000 | $ 63,000 | $ 50,000 |
| Hall County Nebraska | 4 | $ 483,000 | $ 120,000 | $ 40,000 |
| Pierce County Nebraska | 4 | $ 352,000 | $ 88,000 | $ 54,000 |
| Washington County Nebraska | 4 | $ 611,000 | $ 152,000 | $ 70,000 |
| York County Nebraska | 4 | $ 422,000 | $ 105,000 | $ 39,000 |
| Adams County Nebraska | 3 | $ 162,000 | $ 54,000 | $ 24,000 |
| Chase County Nebraska | 3 | $ 213,000 | $ 71,000 | $ 36,000 |
| Custer County Nebraska | 3 | $ 496,000 | $ 165,000 | $ 124,000 |
| Johnson County Nebraska | 3 | $ 80,000 | $ 26,000 | $ 34,000 |
| Lincoln County Nebraska | 3 | $ 119,000 | $ 39,000 | $ 56,000 |
| Nance County Nebraska | 3 | $ 217,000 | $ 72,000 | $ 38,000 |
| Eagle County Colorado | 2 | $ 639,000 | $ 319,000 | $ 638,000 |
| Okaloosa County Florida | 2 | $ 1,088,000 | $ 544,000 | $ 0 |
| Johnson County Kansas | 2 | $ 336,000 | $ 168,000 | $ 67,000 |
| Morgan County Missouri | 2 | $ 255,000 | $ 127,000 | $ 164,000 |
| Arthur County Nebraska | 2 | $ 191,000 | $ 95,000 | $ 63,000 |
| Boone County Nebraska | 2 | $ 230,000 | $ 115,000 | $ 49,000 |
| Buffalo County Nebraska | 2 | $ 246,000 | $ 123,000 | $ 53,000 |
| Clay County Nebraska | 2 | $ 200,000 | $ 100,000 | $ 58,000 |
| Garden County Nebraska | 2 | $ 862,000 | $ 431,000 | $ 301,000 |
| Howard County Nebraska | 2 | $ 208,000 | $ 104,000 | $ 44,000 |
| Kearney County Nebraska | 2 | $ 15,000 | $ 7,000 | $ 42,000 |
| Phelps County Nebraska | 2 | $ 23,000 | $ 11,000 | $ 23,000 |
| Jefferson County Alabama | 1 | $ 74,000 | $ 74,000 | $ 100,000 |
| Cochise County Arizona | 1 | $ 45,000 | $ 45,000 | $ 88,000 |
| Maricopa County Arizona | 1 | $ 32,000 | $ 32,000 | $ 273,000 |
| Hawaii County Hawaii | 1 | $ 334,000 | $ 334,000 | $ 599,000 |
| Buena Vista County Iowa | 1 | $ 34,000 | $ 34,000 | $ 70,000 |
| Harrison County Iowa | 1 | $ 89,000 | $ 89,000 | $ 55,000 |
| Mills County Iowa | 1 | $ 228,000 | $ 228,000 | $ 116,000 |
| Woodbury County Iowa | 1 | $ 153,000 | $ 153,000 | $ 48,000 |
| Cass County Missouri | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Johnson County Missouri | 1 | $ 17,000 | $ 17,000 | $ 55,000 |
| Boyd County Nebraska | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Burt County Nebraska | 1 | $ 41,000 | $ 41,000 | $ 96,000 |
| Cedar County Nebraska | 1 | $ 100,000 | $ 100,000 | $ 112,000 |
| Dawes County Nebraska | 1 | $ 160,000 | $ 160,000 | $ 80,000 |
| Fillmore County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Furnas County Nebraska | 1 | $ 826,000 | $ 826,000 | $ 55,000 |
| Garfield County Nebraska | 1 | $ 30,000 | $ 30,000 | $ 43,000 |
| Logan County Nebraska | 1 | $ 34,000 | $ 34,000 | $ 62,000 |
| Red Willow County Nebraska | 1 | $ 64,000 | $ 64,000 | $ 55,000 |
| Richardson County Nebraska | 1 | $ 19,000 | $ 19,000 | $ 59,000 |
| Stanton County Nebraska | 1 | $ 18,000 | $ 18,000 | $ 19,000 |
| Valley County Nebraska | 1 | $ 12,000 | $ 12,000 | $ 16,000 |
| Washington County Oregon | 1 | $ 275,000 | $ 275,000 | $ 93,000 |
| Yankton County South Dakota | 1 | $ 197,000 | $ 197,000 | $ 99,000 |
| Fremont County Wyoming | 1 | $ 140,000 | $ 140,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 968 | $91,103,000 | $108,500 | $2,034,000 | $56,250 | $563,000 |
| Home Purchase | 673 | $68,883,000 | $222,153 | $1,200,000 | $159,000 | $873,000 |
| Home Improvement | 255 | $7,072,000 | $13,000 | $351,000 | $38,333 | $330,000 |
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 | 1,611 | $141,866,000 | $144,363 | $2,034,000 | $136,363 | $873,000 |
| Hispanic | 123 | $4,408,000 | $27,500 | $231,000 | $30,500 | $102,000 |
| Not applicable | 102 | $14,326,000 | $212,000 | $1,200,000 | $750 | $211,000 |
| Not Provided | 27 | $2,802,000 | $63,333 | $452,000 | $49,333 | $409,000 |
| Asian | 19 | $2,827,000 | $198,500 | $729,000 | $223,750 | $599,000 |
| Black or African American | 9 | $601,000 | $66,000 | $150,000 | $54,000 | $148,000 |
| American Indian or Alaskan Native | 4 | $216,000 | $54,000 | $154,000 | $37,000 | $133,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $12,000 | $12,000 | $12,000 | $93,000 | $93,000 |
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) | 1,864 | $163,904,000 | $189,846 | $2,034,000 | $160,153 | $873,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,322,000 | $86,000 | $137,000 | $38,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,523,000 | $106,500 | $228,000 | $38,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $309,000 | $51,000 | $80,000 | $28,000 | $56,000 |
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 | 1,678 | $150,707,000 | $198,833 | $2,034,000 | $170,916 | $873,000 |
| Application Denied By Financial Institution | 145 | $8,751,000 | $48,250 | $452,000 | $46,250 | $409,000 |
| Application Withdrawn By Applicant | 39 | $4,202,000 | $114,500 | $388,000 | $55,500 | $275,000 |
| Application Approved But Not Accepted | 27 | $2,792,000 | $134,000 | $334,000 | $65,500 | $403,000 |
| Preapproval Denied by Financial Institution | 5 | $477,000 | $95,000 | $140,000 | $33,000 | $47,000 |
| Preapproval Approved but not Accepted | 1 | $124,000 | $124,000 | $124,000 | $58,000 | $58,000 |
| File Closed For Incompleteness | 1 | $5,000 | $5,000 | $5,000 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Pinnacle Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.