West Gate Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
West Gate Bank 2016 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 | West Gate Bank 6003 Old Cheney Road Lincoln, NE 68516 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 2003 |
| Total Number of Mortgage Applications | 3,175 |
| Total Mortgage Loan Application Amount | $555,446,000 |
| Average Mortgage Loan Application Amount | $166,666 |
| Highest Mortgage Loan Application Amount | $7,500,000 |
| Average Applicant Income | $97,666 |
| Highest Applicant Income | $1,739,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with West Gate 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 West Gate Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down West Gate 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 West Gate Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by West Gate 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 West Gate Bank's mortgage activity for 2016.
| 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 | 672 | $ 123,062,000 | $ 183,000 | $ 94,000 |
| Douglas County Nebraska | 374 | $ 82,137,000 | $ 219,000 | $ 152,000 |
| Buffalo County Nebraska | 302 | $ 55,938,000 | $ 185,000 | $ 94,000 |
| Hall County Nebraska | 131 | $ 18,988,000 | $ 144,000 | $ 80,000 |
| York County Nebraska | 93 | $ 13,845,000 | $ 148,000 | $ 88,000 |
| Sarpy County Nebraska | 84 | $ 18,918,000 | $ 225,000 | $ 117,000 |
| Scotts Bluff County Nebraska | 69 | $ 10,757,000 | $ 155,000 | $ 81,000 |
| Adams County Nebraska | 68 | $ 10,436,000 | $ 153,000 | $ 88,000 |
| Seward County Nebraska | 66 | $ 10,370,000 | $ 157,000 | $ 80,000 |
| Otoe County Nebraska | 56 | $ 8,537,000 | $ 152,000 | $ 88,000 |
| Cedar County Nebraska | 55 | $ 7,256,000 | $ 131,000 | $ 67,000 |
| Washington County Nebraska | 55 | $ 10,794,000 | $ 196,000 | $ 92,000 |
| Dodge County Nebraska | 49 | $ 7,017,000 | $ 143,000 | $ 82,000 |
| Hamilton County Nebraska | 45 | $ 7,904,000 | $ 175,000 | $ 117,000 |
| Madison County Nebraska | 45 | $ 8,161,000 | $ 181,000 | $ 99,000 |
| Dawson County Nebraska | 44 | $ 7,286,000 | $ 165,000 | $ 93,000 |
| Pierce County Nebraska | 38 | $ 6,398,000 | $ 168,000 | $ 82,000 |
| Custer County Nebraska | 34 | $ 5,288,000 | $ 155,000 | $ 89,000 |
| Wayne County Nebraska | 33 | $ 5,331,000 | $ 161,000 | $ 83,000 |
| Cass County Nebraska | 31 | $ 5,772,000 | $ 186,000 | $ 140,000 |
| Fillmore County Nebraska | 31 | $ 3,340,000 | $ 107,000 | $ 67,000 |
| Larimer County Colorado | 30 | $ 7,234,000 | $ 241,000 | $ 93,000 |
| Cuming County Nebraska | 30 | $ 4,284,000 | $ 142,000 | $ 65,000 |
| Kearney County Nebraska | 29 | $ 4,026,000 | $ 138,000 | $ 69,000 |
| Platte County Nebraska | 29 | $ 3,986,000 | $ 137,000 | $ 70,000 |
| Saunders County Nebraska | 28 | $ 5,287,000 | $ 188,000 | $ 95,000 |
| Howard County Nebraska | 25 | $ 4,337,000 | $ 173,000 | $ 92,000 |
| Knox County Nebraska | 24 | $ 2,448,000 | $ 102,000 | $ 71,000 |
| Dixon County Nebraska | 22 | $ 2,135,000 | $ 97,000 | $ 67,000 |
| Lincoln County Nebraska | 22 | $ 3,763,000 | $ 171,000 | $ 99,000 |
| Cheyenne County Nebraska | 19 | $ 2,825,000 | $ 148,000 | $ 77,000 |
| Polk County Nebraska | 18 | $ 2,167,000 | $ 120,000 | $ 71,000 |
| Richardson County Nebraska | 18 | $ 1,650,000 | $ 91,000 | $ 65,000 |
| Burt County Nebraska | 16 | $ 2,534,000 | $ 158,000 | $ 86,000 |
| Dakota County Nebraska | 16 | $ 2,747,000 | $ 171,000 | $ 90,000 |
| Harlan County Nebraska | 16 | $ 1,723,000 | $ 107,000 | $ 88,000 |
| Saline County Nebraska | 16 | $ 9,456,000 | $ 591,000 | $ 59,000 |
| Merrick County Nebraska | 15 | $ 2,163,000 | $ 144,000 | $ 67,000 |
| Phelps County Nebraska | 14 | $ 1,889,000 | $ 134,000 | $ 88,000 |
| Clay County Nebraska | 13 | $ 1,270,000 | $ 97,000 | $ 63,000 |
| Page County Iowa | 12 | $ 753,000 | $ 62,000 | $ 36,000 |
| Boone County Nebraska | 12 | $ 2,324,000 | $ 193,000 | $ 100,000 |
| Thayer County Nebraska | 12 | $ 1,916,000 | $ 159,000 | $ 62,000 |
| Gage County Nebraska | 11 | $ 1,353,000 | $ 123,000 | $ 70,000 |
| Holt County Nebraska | 11 | $ 1,756,000 | $ 159,000 | $ 91,000 |
| Stanton County Nebraska | 10 | $ 1,532,000 | $ 153,000 | $ 82,000 |
| Laramie County Wyoming | 10 | $ 2,352,000 | $ 235,000 | $ 86,000 |
| Weld County Colorado | 9 | $ 2,769,000 | $ 307,000 | $ 117,000 |
| Antelope County Nebraska | 9 | $ 829,000 | $ 92,000 | $ 57,000 |
| Jefferson County Nebraska | 9 | $ 893,000 | $ 99,000 | $ 88,000 |
| Morrill County Nebraska | 9 | $ 1,796,000 | $ 199,000 | $ 103,000 |
| Nance County Nebraska | 9 | $ 922,000 | $ 102,000 | $ 51,000 |
| Natrona County Wyoming | 9 | $ 1,438,000 | $ 159,000 | $ 92,000 |
| Maricopa County Arizona | 8 | $ 2,179,000 | $ 272,000 | $ 229,000 |
| Harrison County Iowa | 8 | $ 1,108,000 | $ 138,000 | $ 66,000 |
| Pottawattamie County Iowa | 8 | $ 946,000 | $ 118,000 | $ 83,000 |
| Woodbury County Iowa | 8 | $ 917,000 | $ 114,000 | $ 87,000 |
| Saline County Kansas | 8 | $ 948,000 | $ 118,000 | $ 53,000 |
| Butler County Nebraska | 8 | $ 1,162,000 | $ 145,000 | $ 75,000 |
| Red Willow County Nebraska | 8 | $ 856,000 | $ 107,000 | $ 66,000 |
| Dawes County Nebraska | 7 | $ 798,000 | $ 114,000 | $ 62,000 |
| Furnas County Nebraska | 7 | $ 675,000 | $ 96,000 | $ 76,000 |
| Union County Iowa | 6 | $ 507,000 | $ 84,000 | $ 34,000 |
| Sedgwick County Kansas | 6 | $ 928,000 | $ 154,000 | $ 77,000 |
| Colfax County Nebraska | 6 | $ 1,025,000 | $ 170,000 | $ 82,000 |
| Nemaha County Nebraska | 6 | $ 889,000 | $ 148,000 | $ 103,000 |
| Nuckolls County Nebraska | 6 | $ 389,000 | $ 64,000 | $ 47,000 |
| Valley County Nebraska | 6 | $ 656,000 | $ 109,000 | $ 96,000 |
| Fremont County Iowa | 5 | $ 649,000 | $ 129,000 | $ 67,000 |
| Taylor County Iowa | 5 | $ 497,000 | $ 99,000 | $ 46,000 |
| McPherson County Kansas | 5 | $ 557,000 | $ 111,000 | $ 65,000 |
| Box Butte County Nebraska | 5 | $ 662,000 | $ 132,000 | $ 89,000 |
| Garfield County Nebraska | 5 | $ 325,000 | $ 65,000 | $ 38,000 |
| Union County South Dakota | 5 | $ 1,264,000 | $ 252,000 | $ 120,000 |
| Washington County Kansas | 4 | $ 584,000 | $ 146,000 | $ 64,000 |
| Franklin County Nebraska | 4 | $ 220,000 | $ 55,000 | $ 39,000 |
| Hitchcock County Nebraska | 4 | $ 368,000 | $ 92,000 | $ 25,000 |
| Rock County Nebraska | 4 | $ 566,000 | $ 141,000 | $ 110,000 |
| Sweetwater County Wyoming | 4 | $ 610,000 | $ 152,000 | $ 130,000 |
| Denver County Colorado | 3 | $ 1,038,000 | $ 346,000 | $ 743,000 |
| Decatur County Kansas | 3 | $ 159,000 | $ 53,000 | $ 58,000 |
| Johnson County Kansas | 3 | $ 1,076,000 | $ 358,000 | $ 92,000 |
| Shawnee County Kansas | 3 | $ 391,000 | $ 130,000 | $ 70,000 |
| Loup County Nebraska | 3 | $ 968,000 | $ 322,000 | $ 283,000 |
| Sherman County Nebraska | 3 | $ 344,000 | $ 114,000 | $ 60,000 |
| Albany County Wyoming | 3 | $ 345,000 | $ 115,000 | $ 60,000 |
| Platte County Wyoming | 3 | $ 476,000 | $ 158,000 | $ 141,000 |
| Jefferson County Colorado | 2 | $ 475,000 | $ 237,000 | $ 150,000 |
| Routt County Colorado | 2 | $ 775,000 | $ 387,000 | $ 147,000 |
| Appanoose County Iowa | 2 | $ 380,000 | $ 190,000 | $ 191,000 |
| Dickinson County Iowa | 2 | $ 779,000 | $ 389,000 | $ 654,000 |
| Montgomery County Iowa | 2 | $ 200,000 | $ 100,000 | $ 53,000 |
| Dickinson County Kansas | 2 | $ 104,000 | $ 52,000 | $ 43,000 |
| Reno County Kansas | 2 | $ 78,000 | $ 39,000 | $ 38,000 |
| Scott County Minnesota | 2 | $ 647,000 | $ 323,000 | $ 310,000 |
| Buchanan County Missouri | 2 | $ 223,000 | $ 111,000 | $ 71,000 |
| Jackson County Missouri | 2 | $ 445,000 | $ 222,000 | $ 78,000 |
| Garden County Nebraska | 2 | $ 204,000 | $ 102,000 | $ 50,000 |
| Keith County Nebraska | 2 | $ 386,000 | $ 193,000 | $ 52,000 |
| Sheridan County Nebraska | 2 | $ 179,000 | $ 89,000 | $ 116,000 |
| Clark County Nevada | 2 | $ 403,000 | $ 201,000 | $ 80,000 |
| Clay County South Dakota | 2 | $ 256,000 | $ 128,000 | $ 71,000 |
| Goshen County Wyoming | 2 | $ 377,000 | $ 188,000 | $ 75,000 |
| Arapahoe County Colorado | 1 | $ 105,000 | $ 105,000 | $ 163,000 |
| Broomfield County Colorado | 1 | $ 280,000 | $ 280,000 | $ 114,000 |
| El Paso County Colorado | 1 | $ 148,000 | $ 148,000 | $ 102,000 |
| Fremont County Colorado | 1 | $ 300,000 | $ 300,000 | $ 83,000 |
| Grand County Colorado | 1 | $ 293,000 | $ 293,000 | $ 245,000 |
| Phillips County Colorado | 1 | $ 122,000 | $ 122,000 | $ 73,000 |
| New Castle County Delaware | 1 | $ 120,000 | $ 120,000 | $ 80,000 |
| Charlotte County Florida | 1 | $ 312,000 | $ 312,000 | $ 212,000 |
| Flagler County Florida | 1 | $ 412,000 | $ 412,000 | $ 470,000 |
| Blaine County Idaho | 1 | $ 417,000 | $ 417,000 | $ 240,000 |
| Adair County Iowa | 1 | $ 51,000 | $ 51,000 | $ 14,000 |
| Crawford County Iowa | 1 | $ 304,000 | $ 304,000 | $ 85,000 |
| Dallas County Iowa | 1 | $ 348,000 | $ 348,000 | $ 300,000 |
| Mills County Iowa | 1 | $ 216,000 | $ 216,000 | $ 377,000 |
| Monona County Iowa | 1 | $ 268,000 | $ 268,000 | $ 91,000 |
| Polk County Iowa | 1 | $ 246,000 | $ 246,000 | $ 79,000 |
| Scott County Iowa | 1 | $ 212,000 | $ 212,000 | $ 120,000 |
| Shelby County Iowa | 1 | $ 249,000 | $ 249,000 | $ 105,000 |
| Brown County Kansas | 1 | $ 100,000 | $ 100,000 | $ 96,000 |
| Douglas County Kansas | 1 | $ 117,000 | $ 117,000 | $ 208,000 |
| Ford County Kansas | 1 | $ 236,000 | $ 236,000 | $ 136,000 |
| Harvey County Kansas | 1 | $ 123,000 | $ 123,000 | $ 47,000 |
| Leavenworth County Kansas | 1 | $ 205,000 | $ 205,000 | $ 146,000 |
| Marion County Kansas | 1 | $ 93,000 | $ 93,000 | $ 68,000 |
| Marshall County Kansas | 1 | $ 130,000 | $ 130,000 | $ 102,000 |
| Norton County Kansas | 1 | $ 240,000 | $ 240,000 | $ 107,000 |
| Osage County Kansas | 1 | $ 60,000 | $ 60,000 | $ 43,000 |
| Pottawatomie County Kansas | 1 | $ 184,000 | $ 184,000 | $ 90,000 |
| Republic County Kansas | 1 | $ 72,000 | $ 72,000 | $ 98,000 |
| Wyandotte County Kansas | 1 | $ 124,000 | $ 124,000 | $ 100,000 |
| Middlesex County Massachusetts | 1 | $ 417,000 | $ 417,000 | $ 224,000 |
| Le Sueur County Minnesota | 1 | $ 240,000 | $ 240,000 | $ 562,000 |
| Atchison County Missouri | 1 | $ 67,000 | $ 67,000 | $ 38,000 |
| Camden County Missouri | 1 | $ 97,000 | $ 97,000 | $ 42,000 |
| Clay County Missouri | 1 | $ 240,000 | $ 240,000 | $ 148,000 |
| DeKalb County Missouri | 1 | $ 53,000 | $ 53,000 | $ 94,000 |
| Holt County Missouri | 1 | $ 50,000 | $ 50,000 | $ 118,000 |
| Stone County Missouri | 1 | $ 111,000 | $ 111,000 | $ 97,000 |
| Banner County Nebraska | 1 | $ 128,000 | $ 128,000 | $ 81,000 |
| Brown County Nebraska | 1 | $ 44,000 | $ 44,000 | $ 35,000 |
| Frontier County Nebraska | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Gosper County Nebraska | 1 | $ 263,000 | $ 263,000 | $ 75,000 |
| Johnson County Nebraska | 1 | $ 360,000 | $ 360,000 | $ 121,000 |
| Kimball County Nebraska | 1 | $ 112,000 | $ 112,000 | $ 70,000 |
| Logan County Nebraska | 1 | $ 104,000 | $ 104,000 | $ 74,000 |
| Perkins County Nebraska | 1 | $ 64,000 | $ 64,000 | $ 59,000 |
| Thurston County Nebraska | 1 | $ 150,000 | $ 150,000 | $ 53,000 |
| Webster County Nebraska | 1 | $ 66,000 | $ 66,000 | $ 41,000 |
| Custer County South Dakota | 1 | $ 158,000 | $ 158,000 | $ 63,000 |
| Fall River County South Dakota | 1 | $ 124,000 | $ 124,000 | $ 66,000 |
| Hughes County South Dakota | 1 | $ 180,000 | $ 180,000 | $ 68,000 |
| Davidson County Tennessee | 1 | $ 188,000 | $ 188,000 | $ 446,000 |
| Travis County Texas | 1 | $ 401,000 | $ 401,000 | $ 166,000 |
| Converse County Wyoming | 1 | $ 180,000 | $ 180,000 | $ 52,000 |
| Hot Springs County Wyoming | 1 | $ 154,000 | $ 154,000 | $ 66,000 |
| Sheridan County Wyoming | 1 | $ 252,000 | $ 252,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for West Gate Bank in 2016
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 | 1,750 | $299,709,000 | $171,000 | $692,000 | $93,000 | $1,629,000 |
| Refinancing | 1,227 | $226,985,000 | $184,000 | $7,500,000 | $105,000 | $1,739,000 |
| Home Improvement | 198 | $28,752,000 | $145,000 | $417,000 | $95,000 | $926,000 |
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 | 2,920 | $507,055,000 | $173,000 | $1,650,000 | $100,000 | $1,739,000 |
| Not applicable | 72 | $18,651,000 | $259,000 | $7,500,000 | $0 | $0 |
| Hispanic | 72 | $10,562,000 | $146,000 | $417,000 | $80,000 | $647,000 |
| Not Provided | 67 | $10,568,000 | $157,000 | $417,000 | $86,000 | $274,000 |
| Asian | 27 | $5,447,000 | $201,000 | $401,000 | $185,000 | $1,234,000 |
| Black or African American | 11 | $2,122,000 | $192,000 | $411,000 | $137,000 | $374,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $583,000 | $194,000 | $275,000 | $104,000 | $196,000 |
| American Indian or Alaskan Native | 3 | $458,000 | $152,000 | $302,000 | $64,000 | $125,000 |
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) | 2,872 | $519,684,000 | $180,000 | $7,500,000 | $103,000 | $1,739,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 134 | $12,376,000 | $92,000 | $283,000 | $43,000 | $88,000 |
| FHA-insured (Federal Housing Administration) | 100 | $12,092,000 | $120,000 | $241,000 | $56,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 69 | $11,294,000 | $163,000 | $387,000 | $64,000 | $173,000 |
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 | 2,693 | $478,135,000 | $177,000 | $7,500,000 | $101,000 | $1,739,000 |
| Application Denied By Financial Institution | 225 | $34,392,000 | $152,000 | $1,650,000 | $61,000 | $425,000 |
| Application Approved But Not Accepted | 177 | $28,156,000 | $159,000 | $650,000 | $93,000 | $533,000 |
| Loan Purchased By The Institution | 63 | $11,730,000 | $186,000 | $600,000 | $87,000 | $298,000 |
| Application Withdrawn By Applicant | 15 | $2,846,000 | $189,000 | $417,000 | $90,000 | $248,000 |
| File Closed For Incompleteness | 2 | $187,000 | $93,000 | $116,000 | $61,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $13,000 | $13,000 | $13,000 | $49,000 | $49,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into West Gate Bank's 2016 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 West Gate 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.