Pinnacle Bank Mortgage Lending & HMDA Data, 2020

In 2020, Pinnacle Bank of Lincoln, NE reported 5,011 mortgage applications totaling $1.2 billion, up 60% from 2019. The average application was for $246,893, and applicants reported an average income of $125,579. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (1,417), Lincoln, NE (1,390) and Grand Island, NE (175) (applications in parentheses).

Mortgage Company & Address Pinnacle Bank
20544 Hwy 370
Lincoln, NE 68508
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  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 5,011
Total Mortgage Loan Application Amount $1,237,185,000
Average Mortgage Loan Application Amount $246,893
Highest Mortgage Loan Application Amount $38,405,000
Average Applicant Income $125,579
Highest Applicant Income $5,100,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pinnacle Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Pinnacle Bank by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lancaster, Nebraska 1,358 $ 335,390,000 $ 246,973 $ 132,000
Douglas, Nebraska 774 $ 233,290,000 $ 301,408 $ 152,000
Sarpy, Nebraska 401 $ 151,765,000 $ 378,466 $ 132,000
Platte, Nebraska 248 $ 45,940,000 $ 185,241 $ 92,000
Adams, Nebraska 220 $ 39,270,000 $ 178,500 $ 97,000
Dodge, Nebraska 203 $ 41,105,000 $ 202,487 $ 115,000
Hamilton, Nebraska 128 $ 22,370,000 $ 174,765 $ 116,000
Cass, Nebraska 112 $ 21,390,000 $ 190,982 $ 124,000
Hall, Nebraska 97 $ 19,335,000 $ 199,329 $ 120,000
Gage, Nebraska 80 $ 13,860,000 $ 173,250 $ 101,000
Jasper, Missouri 79 $ 12,335,000 $ 156,139 $ 115,000
Saunders, Nebraska 74 $ 16,760,000 $ 226,486 $ 149,000
Colfax, Nebraska 71 $ 7,615,000 $ 107,253 $ 73,000
Merrick, Nebraska 68 $ 10,700,000 $ 157,352 $ 92,000
Keith, Nebraska 58 $ 6,260,000 $ 107,931 $ 205,000
Holt, Nebraska 56 $ 7,640,000 $ 136,428 $ 103,000
Buffalo, Nebraska 55 $ 33,445,000 $ 608,090 $ 148,000
Jackson, Missouri 54 $ 14,250,000 $ 263,888 $ 138,000
Dawson, Nebraska 52 $ 6,140,000 $ 118,076 $ 82,000
Saline, Nebraska 52 $ 7,890,000 $ 151,730 $ 105,000
Dickinson, Kansas 50 $ 6,290,000 $ 125,800 $ 108,000
Polk, Nebraska 41 $ 5,945,000 $ 145,000 $ 90,000
Pottawattamie, Iowa 32 $ 10,960,000 $ 342,500 $ 138,000
Seward, Nebraska 32 $ 6,450,000 $ 201,562 $ 97,000
Red Willow, Nebraska 30 $ 4,530,000 $ 151,000 $ 158,000
Johnson, Kansas 28 $ 8,450,000 $ 301,785 $ 177,000
Chase, Nebraska 27 $ 3,705,000 $ 137,222 $ 109,000
Newton, Missouri 25 $ 6,215,000 $ 248,600 $ 177,000
Butler, Nebraska 22 $ 2,840,000 $ 129,090 $ 77,000
Washington, Nebraska 22 $ 5,290,000 $ 240,454 $ 132,000
Otoe, Nebraska 21 $ 3,905,000 $ 185,952 $ 103,000
Gosper, Nebraska 20 $ 2,910,000 $ 145,500 $ 104,000
Madison, Nebraska 18 $ 6,790,000 $ 377,222 $ 87,000
Antelope, Nebraska 17 $ 2,255,000 $ 132,647 $ 83,000
Clay, Nebraska 16 $ 1,660,000 $ 103,750 $ 51,000
York, Nebraska 16 $ 2,200,000 $ 137,500 $ 78,000
Jefferson, Colorado 15 $ 5,535,000 $ 369,000 $ 107,000
Lincoln, Nebraska 14 $ 3,040,000 $ 217,142 $ 190,000
Nance, Nebraska 14 $ 1,420,000 $ 101,428 $ 65,000
Perkins, Nebraska 13 $ 745,000 $ 57,307 $ 69,000
Webster, Nebraska 13 $ 1,755,000 $ 135,000 $ 78,000
Maricopa, Arizona 12 $ 5,750,000 $ 479,166 $ 194,000
Cuming, Nebraska 12 $ 1,510,000 $ 125,833 $ 113,000
Arapahoe, Colorado 10 $ 3,670,000 $ 367,000 $ 117,000
Howard, Nebraska 10 $ 1,690,000 $ 169,000 $ 158,000
Knox, Nebraska 9 $ 1,645,000 $ 182,777 $ 103,000
Custer, Nebraska 8 $ 810,000 $ 101,250 $ 63,000
Cherokee, Kansas 7 $ 825,000 $ 117,857 $ 101,000
Greene, Missouri 7 $ 1,495,000 $ 213,571 $ 0
Cherry, Nebraska 7 $ 1,475,000 $ 210,714 $ 103,000
Denver, Colorado 5 $ 1,755,000 $ 351,000 $ 151,000
Dickinson, Iowa 5 $ 1,125,000 $ 225,000 $ 168,000
Kearney, Nebraska 5 $ 1,125,000 $ 225,000 $ 184,000
Adams, Colorado 4 $ 1,260,000 $ 315,000 $ 107,000
Saline, Kansas 4 $ 1,070,000 $ 267,500 $ 240,000
Hayes, Nebraska 4 $ 460,000 $ 115,000 $ 84,000
Hitchcock, Nebraska 4 $ 240,000 $ 60,000 $ 50,000
Jefferson, Nebraska 4 $ 560,000 $ 140,000 $ 107,000
Nuckolls, Nebraska 4 $ 460,000 $ 115,000 $ 77,000
Pinal, Arizona 3 $ 425,000 $ 141,666 $ 63,000
Wright, Iowa 3 $ 375,000 $ 125,000 $ 0
Geary, Kansas 3 $ 255,000 $ 85,000 $ 84,000
Brown, Nebraska 3 $ 525,000 $ 175,000 $ 107,000
Cheyenne, Nebraska 3 $ 355,000 $ 118,333 $ 59,000
Fillmore, Nebraska 3 $ 395,000 $ 131,666 $ 86,000
Furnas, Nebraska 3 $ 225,000 $ 75,000 $ 116,000
Garden, Nebraska 3 $ 135,000 $ 45,000 $ 66,000
Johnson, Nebraska 3 $ 415,000 $ 138,333 $ 71,000
Phelps, Nebraska 3 $ 245,000 $ 81,666 $ 75,000
Valley, Nebraska 3 $ 365,000 $ 121,666 $ 114,000
Wayne, Nebraska 3 $ 855,000 $ 285,000 $ 78,000
Tulsa, Oklahoma 3 $ 1,165,000 $ 388,333 $ 168,000
Benton, Arkansas 2 $ 670,000 $ 335,000 $ 430,000
Douglas, Colorado 2 $ 890,000 $ 445,000 $ 156,000
El Paso, Colorado 2 $ 640,000 $ 320,000 $ 121,000
Larimer, Colorado 2 $ 950,000 $ 475,000 $ 216,000
Lee, Florida 2 $ 840,000 $ 420,000 $ 312,000
Dallas, Iowa 2 $ 420,000 $ 210,000 $ 405,000
Ida, Iowa 2 $ 240,000 $ 120,000 $ 296,000
Polk, Iowa 2 $ 640,000 $ 320,000 $ 182,000
Crawford, Kansas 2 $ 240,000 $ 120,000 $ 58,000
Ramsey, Minnesota 2 $ 680,000 $ 340,000 $ 164,000
Camden, Missouri 2 $ 600,000 $ 300,000 $ 236,000
Cass, Missouri 2 $ 440,000 $ 220,000 $ 132,000
Johnson, Missouri 2 $ 170,000 $ 85,000 $ 141,000
Lawrence, Missouri 2 $ 130,000 $ 65,000 $ 70,000
Boone, Nebraska 2 $ 470,000 $ 235,000 $ 73,000
Boyd, Nebraska 2 $ 130,000 $ 65,000 $ 57,000
Burt, Nebraska 2 $ 590,000 $ 295,000 $ 90,000
Deuel, Nebraska 2 $ 40,000 $ 20,000 $ 132,000
Dixon, Nebraska 2 $ 300,000 $ 150,000 $ 67,000
Dundy, Nebraska 2 $ 250,000 $ 125,000 $ 115,000
Harlan, Nebraska 2 $ 270,000 $ 135,000 $ 442,000
Nemaha, Nebraska 2 $ 390,000 $ 195,000 $ 222,000
Pierce, Nebraska 2 $ 670,000 $ 335,000 $ 138,000
Scotts Bluff, Nebraska 2 $ 220,000 $ 110,000 $ 67,000
Cuyahoga, Ohio 2 $ 340,000 $ 170,000 $ 268,000
Charles Mix, South Dakota 2 $ 340,000 $ 170,000 $ 361,000
Denton, Texas 2 $ 550,000 $ 275,000 $ 193,000
Tarrant, Texas 2 $ 600,000 $ 300,000 $ 45,000
Dane, Wisconsin 2 $ 36,910,000 $ 18,455,000 $ 310,000
Pima, Arizona 1 $ 155,000 $ 155,000 $ 148,000
Carroll, Arkansas 1 $ 295,000 $ 295,000 $ 258,000
Cleburne, Arkansas 1 $ 215,000 $ 215,000 $ 0
Riverside, California 1 $ 245,000 $ 245,000 $ 179,000
Lincoln, Colorado 1 $ 55,000 $ 55,000 $ 75,000
Summit, Colorado 1 $ 485,000 $ 485,000 $ 336,000
Teller, Colorado 1 $ 435,000 $ 435,000 $ 0
Hillsborough, Florida 1 $ 345,000 $ 345,000 $ 169,000
Manatee, Florida 1 $ 125,000 $ 125,000 $ 198,000
Palm Beach, Florida 1 $ 325,000 $ 325,000 $ 117,000
Pinellas, Florida 1 $ 185,000 $ 185,000 $ 0
DeKalb, Georgia 1 $ 635,000 $ 635,000 $ 264,000
Kootenai, Idaho 1 $ 165,000 $ 165,000 $ 0
Clay, Iowa 1 $ 295,000 $ 295,000 $ 128,000
Harrison, Iowa 1 $ 65,000 $ 65,000 $ 45,000
Johnson, Iowa 1 $ 65,000 $ 65,000 $ 221,000
Mills, Iowa 1 $ 265,000 $ 265,000 $ 86,000
Monona, Iowa 1 $ 195,000 $ 195,000 $ 0
Montgomery, Iowa 1 $ 95,000 $ 95,000 $ 44,000
Page, Iowa 1 $ 165,000 $ 165,000 $ 400,000
Anderson, Kansas 1 $ 125,000 $ 125,000 $ 115,000
Ellis, Kansas 1 $ 55,000 $ 55,000 $ 24,000
Harvey, Kansas 1 $ 165,000 $ 165,000 $ 76,000
Marshall, Kansas 1 $ 135,000 $ 135,000 $ 96,000
Pottawatomie, Kansas 1 $ 85,000 $ 85,000 $ 115,000
Riley, Kansas 1 $ 305,000 $ 305,000 $ 0
Sedgwick, Kansas 1 $ 285,000 $ 285,000 $ 146,000
Smith, Kansas 1 $ 95,000 $ 95,000 $ 44,000
Wabaunsee, Kansas 1 $ 125,000 $ 125,000 $ 70,000
Wyandotte, Kansas 1 $ 1,285,000 $ 1,285,000 $ 0
Jefferson, Kentucky 1 $ 375,000 $ 375,000 $ 191,000
Hennepin, Minnesota 1 $ 305,000 $ 305,000 $ 120,000
Otter Tail, Minnesota 1 $ 335,000 $ 335,000 $ 0
Barry, Missouri 1 $ 235,000 $ 235,000 $ 92,000
Buchanan, Missouri 1 $ 155,000 $ 155,000 $ 0
Christian, Missouri 1 $ 115,000 $ 115,000 $ 0
Clay, Missouri 1 $ 385,000 $ 385,000 $ 0
Cole, Missouri 1 $ 115,000 $ 115,000 $ 66,000
St. Louis City, Missouri 1 $ 145,000 $ 145,000 $ 67,000
Stone, Missouri 1 $ 205,000 $ 205,000 $ 0
Arthur, Nebraska 1 $ 315,000 $ 315,000 $ 85,000
Box Butte, Nebraska 1 $ 235,000 $ 235,000 $ 132,000
Cedar, Nebraska 1 $ 25,000 $ 25,000 $ 109,000
Dakota, Nebraska 1 $ 215,000 $ 215,000 $ 57,000
Dawes, Nebraska 1 $ 35,000 $ 35,000 $ 138,000
Frontier, Nebraska 1 $ 85,000 $ 85,000 $ 39,000
Loup, Nebraska 1 $ 55,000 $ 55,000 $ 0
McPherson, Nebraska 1 $ 145,000 $ 145,000 $ 123,000
Pawnee, Nebraska 1 $ 325,000 $ 325,000 $ 72,000
Sherman, Nebraska 1 $ 85,000 $ 85,000 $ 69,000
Thurston, Nebraska 1 $ 65,000 $ 65,000 $ 0
Iredell, North Carolina 1 $ 225,000 $ 225,000 $ 197,000
Ottawa, Oklahoma 1 $ 145,000 $ 145,000 $ 125,000
Rogers, Oklahoma 1 $ 405,000 $ 405,000 $ 136,000
Bon Homme, South Dakota 1 $ 75,000 $ 75,000 $ 46,000
Gregory, South Dakota 1 $ 145,000 $ 145,000 $ 105,000
Tripp, South Dakota 1 $ 185,000 $ 185,000 $ 92,000
Wilson, Tennessee 1 $ 285,000 $ 285,000 $ 140,000
Bastrop, Texas 1 $ 375,000 $ 375,000 $ 165,000
Bell, Texas 1 $ 175,000 $ 175,000 $ 63,000
Bexar, Texas 1 $ 345,000 $ 345,000 $ 126,000
Dallas, Texas 1 $ 505,000 $ 505,000 $ 184,000
Harris, Texas 1 $ 305,000 $ 305,000 $ 86,000
Johnson, Texas 1 $ 335,000 $ 335,000 $ 118,000
Taylor, Texas 1 $ 265,000 $ 265,000 $ 60,000

Mortgage Loan Application Detail Totals for Pinnacle Bank in 2020

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 2,322 $523,660,000 $225,000 $21,005,000 $132,000 $1,954,000
Home Purchase 1,843 $558,235,000 $302,000 $38,405,000 $117,000 $5,100,000
Cash-out Refinancing 625 $141,825,000 $226,000 $515,000 $135,000 $600,000
Home Improvement 114 $5,710,000 $50,000 $385,000 $101,000 $750,000
Other Purpose 106 $7,650,000 $72,000 $425,000 $105,000 $1,019,000
Not Applicable 1 $105,000 $105,000 $105,000 $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 3,992 $796,170,000 $199,000 $2,375,000 $127,000 $5,100,000
Not applicable 429 $335,285,000 $781,000 $38,405,000 $0 $0
Not Provided 261 $55,045,000 $210,000 $905,000 $140,000 $916,000
Hispanic 216 $28,140,000 $130,000 $405,000 $76,000 $523,000
Asian 45 $10,105,000 $224,000 $435,000 $126,000 $468,000
Black or African American 28 $5,160,000 $184,000 $415,000 $102,000 $286,000
American Indian or Alaskan Native 22 $3,170,000 $144,000 $435,000 $96,000 $304,000
Native Hawaiian or Other Pacific Islander 1 $105,000 $105,000 $105,000 $40,000 $40,000

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) 4,715 $1,179,675,000 $250,000 $38,405,000 $129,000 $5,100,000
VA-guaranteed (Veterans Administration) 125 $32,785,000 $262,000 $505,000 $113,000 $596,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 93 $12,095,000 $130,000 $325,000 $51,000 $115,000
FHA-insured (Federal Housing Administration) 78 $12,630,000 $161,000 $325,000 $65,000 $172,000

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 4,370 $1,117,300,000 $255,000 $38,405,000 $126,000 $2,774,000
Application Withdrawn By Applicant 407 $83,715,000 $205,000 $2,375,000 $127,000 $1,097,000
Application Denied By Financial Institution 198 $30,460,000 $153,000 $1,205,000 $92,000 $780,000
Application Approved But Not Accepted 35 $5,605,000 $160,000 $955,000 $343,000 $5,100,000
Loan Purchased By The Institution 1 $105,000 $105,000 $105,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 4,813 $1,206,725,000 $250,000 $38,405,000 $127,000 $5,100,000
Debt-To-Income Ratio 93 $13,585,000 $146,000 $1,205,000 $74,000 $377,000
Credit History 60 $8,160,000 $136,000 $405,000 $89,000 $600,000
Collateral 23 $3,415,000 $148,000 $515,000 $106,000 $226,000
Other 9 $2,465,000 $273,000 $825,000 $199,000 $780,000
Unverifiable Information 5 $1,535,000 $307,000 $905,000 $159,000 $500,000
Credit Application Incomplete 4 $340,000 $85,000 $145,000 $63,000 $89,000
Employment History 3 $805,000 $268,000 $595,000 $217,000 $540,000
Insufficient Cash (Downpayment, Closing Cost) 1 $155,000 $155,000 $155,000 $157,000 $157,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank's 2020 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.
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