West Gate Bank 2018 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 | 2,667 |
| Total Mortgage Loan Application Amount | $497,805,000 |
| Average Mortgage Loan Application Amount | $155,000 |
| Highest Mortgage Loan Application Amount | $1,855,000 |
| Average Applicant Income | $102,200 |
| Highest Applicant Income | $3,104,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 640 | $ 123,140,000 | $ 192,000 | $ 107,000 |
| Douglas County Nebraska | 219 | $ 58,135,000 | $ 265,000 | $ 152,000 |
| Buffalo County Nebraska | 209 | $ 40,385,000 | $ 193,000 | $ 89,000 |
| Johnson County Iowa | 96 | $ 19,250,000 | $ 200,000 | $ 0 |
| Dodge County Nebraska | 91 | $ 15,345,000 | $ 168,000 | $ 82,000 |
| Hall County Nebraska | 90 | $ 15,520,000 | $ 172,000 | $ 83,000 |
| Linn County Iowa | 81 | $ 12,915,000 | $ 159,000 | $ 110,000 |
| York County Nebraska | 75 | $ 10,545,000 | $ 140,000 | $ 73,000 |
| Sarpy County Nebraska | 65 | $ 15,505,000 | $ 238,000 | $ 127,000 |
| Madison County Nebraska | 64 | $ 12,940,000 | $ 202,000 | $ 91,000 |
| Adams County Nebraska | 47 | $ 7,505,000 | $ 159,000 | $ 90,000 |
| Platte County Nebraska | 41 | $ 6,435,000 | $ 156,000 | $ 81,000 |
| Seward County Nebraska | 41 | $ 6,795,000 | $ 165,000 | $ 82,000 |
| Saunders County Nebraska | 39 | $ 8,365,000 | $ 214,000 | $ 114,000 |
| Washington County Nebraska | 36 | $ 8,820,000 | $ 245,000 | $ 134,000 |
| Hamilton County Nebraska | 34 | $ 6,160,000 | $ 181,000 | $ 92,000 |
| Fillmore County Nebraska | 32 | $ 3,800,000 | $ 118,000 | $ 72,000 |
| Custer County Nebraska | 31 | $ 3,615,000 | $ 116,000 | $ 76,000 |
| Cuming County Nebraska | 30 | $ 4,520,000 | $ 150,000 | $ 78,000 |
| Pierce County Nebraska | 30 | $ 5,000,000 | $ 166,000 | $ 83,000 |
| Cass County Nebraska | 24 | $ 5,400,000 | $ 225,000 | $ 101,000 |
| Cedar County Nebraska | 24 | $ 3,180,000 | $ 132,000 | $ 66,000 |
| Dawson County Nebraska | 24 | $ 4,160,000 | $ 173,000 | $ 79,000 |
| Richardson County Nebraska | 21 | $ 2,495,000 | $ 118,000 | $ 66,000 |
| Washington County Iowa | 20 | $ 3,220,000 | $ 161,000 | $ 0 |
| Clay County Nebraska | 20 | $ 3,150,000 | $ 157,000 | $ 87,000 |
| Scotts Bluff County Nebraska | 20 | $ 2,280,000 | $ 114,000 | $ 65,000 |
| Boone County Nebraska | 19 | $ 2,645,000 | $ 139,000 | $ 84,000 |
| Otoe County Nebraska | 19 | $ 2,555,000 | $ 134,000 | $ 81,000 |
| Kearney County Nebraska | 18 | $ 2,720,000 | $ 151,000 | $ 81,000 |
| Gage County Nebraska | 16 | $ 3,440,000 | $ 215,000 | $ 80,000 |
| Knox County Nebraska | 16 | $ 1,610,000 | $ 100,000 | $ 55,000 |
| Lincoln County Nebraska | 15 | $ 1,945,000 | $ 129,000 | $ 69,000 |
| Phelps County Nebraska | 15 | $ 2,175,000 | $ 145,000 | $ 83,000 |
| Howard County Nebraska | 13 | $ 2,835,000 | $ 218,000 | $ 98,000 |
| Saline County Nebraska | 13 | $ 2,155,000 | $ 165,000 | $ 76,000 |
| Colfax County Nebraska | 12 | $ 1,270,000 | $ 105,000 | $ 54,000 |
| Merrick County Nebraska | 12 | $ 2,130,000 | $ 177,000 | $ 100,000 |
| Sheridan County Nebraska | 12 | $ 840,000 | $ 70,000 | $ 37,000 |
| Polk County Nebraska | 11 | $ 1,245,000 | $ 113,000 | $ 75,000 |
| Thayer County Nebraska | 11 | $ 1,325,000 | $ 120,000 | $ 56,000 |
| Garfield County Nebraska | 10 | $ 1,220,000 | $ 122,000 | $ 59,000 |
| Jefferson County Nebraska | 10 | $ 1,200,000 | $ 120,000 | $ 100,000 |
| Cheyenne County Nebraska | 9 | $ 1,345,000 | $ 149,000 | $ 82,000 |
| Harlan County Nebraska | 9 | $ 665,000 | $ 73,000 | $ 53,000 |
| Stanton County Nebraska | 9 | $ 1,535,000 | $ 170,000 | $ 86,000 |
| Cedar County Iowa | 8 | $ 1,850,000 | $ 231,000 | $ 0 |
| Wapello County Iowa | 8 | $ 1,080,000 | $ 135,000 | $ 55,000 |
| Butler County Nebraska | 8 | $ 1,380,000 | $ 172,000 | $ 95,000 |
| Dakota County Nebraska | 8 | $ 1,210,000 | $ 151,000 | $ 78,000 |
| Pottawattamie County Iowa | 7 | $ 1,485,000 | $ 212,000 | $ 82,000 |
| Furnas County Nebraska | 7 | $ 805,000 | $ 115,000 | $ 65,000 |
| Holt County Nebraska | 7 | $ 825,000 | $ 117,000 | $ 70,000 |
| Nuckolls County Nebraska | 7 | $ 785,000 | $ 112,000 | $ 72,000 |
| Wayne County Nebraska | 7 | $ 1,185,000 | $ 169,000 | $ 89,000 |
| Sweetwater County Wyoming | 7 | $ 1,575,000 | $ 225,000 | $ 126,000 |
| Saline County Kansas | 6 | $ 620,000 | $ 103,000 | $ 82,000 |
| Dixon County Nebraska | 6 | $ 450,000 | $ 75,000 | $ 50,000 |
| Franklin County Nebraska | 6 | $ 680,000 | $ 113,000 | $ 67,000 |
| Antelope County Nebraska | 5 | $ 735,000 | $ 147,000 | $ 71,000 |
| Dawes County Nebraska | 5 | $ 535,000 | $ 107,000 | $ 78,000 |
| Nance County Nebraska | 5 | $ 605,000 | $ 121,000 | $ 67,000 |
| Denver County Colorado | 4 | $ 2,140,000 | $ 535,000 | $ 449,000 |
| Iowa County Iowa | 4 | $ 680,000 | $ 170,000 | $ 0 |
| Geary County Kansas | 4 | $ 510,000 | $ 127,000 | $ 59,000 |
| Burt County Nebraska | 4 | $ 280,000 | $ 70,000 | $ 54,000 |
| Keith County Nebraska | 4 | $ 530,000 | $ 132,000 | $ 74,000 |
| Red Willow County Nebraska | 4 | $ 570,000 | $ 142,000 | $ 56,000 |
| Valley County Nebraska | 4 | $ 620,000 | $ 155,000 | $ 68,000 |
| Laramie County Wyoming | 4 | $ 780,000 | $ 195,000 | $ 126,000 |
| Maricopa County Arizona | 3 | $ 875,000 | $ 291,000 | $ 218,000 |
| Benton County Iowa | 3 | $ 645,000 | $ 215,000 | $ 83,000 |
| Fremont County Iowa | 3 | $ 635,000 | $ 211,000 | $ 87,000 |
| Jefferson County Iowa | 3 | $ 595,000 | $ 198,000 | $ 85,000 |
| Marion County Iowa | 3 | $ 445,000 | $ 148,000 | $ 77,000 |
| Page County Iowa | 3 | $ 345,000 | $ 115,000 | $ 137,000 |
| Polk County Iowa | 3 | $ 835,000 | $ 278,000 | $ 100,000 |
| Greeley County Nebraska | 3 | $ 215,000 | $ 71,000 | $ 96,000 |
| Nemaha County Nebraska | 3 | $ 615,000 | $ 205,000 | $ 85,000 |
| Sherman County Nebraska | 3 | $ 395,000 | $ 131,000 | $ 63,000 |
| Yankton County South Dakota | 3 | $ 625,000 | $ 208,000 | $ 138,000 |
| Albany County Wyoming | 3 | $ 745,000 | $ 248,000 | $ 88,000 |
| Cheyenne County Colorado | 2 | $ 200,000 | $ 100,000 | $ 43,000 |
| Kit Carson County Colorado | 2 | $ 210,000 | $ 105,000 | $ 84,000 |
| Larimer County Colorado | 2 | $ 560,000 | $ 280,000 | $ 184,000 |
| Rio Blanco County Colorado | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Pinellas County Florida | 2 | $ 1,910,000 | $ 955,000 | $ 446,000 |
| Buchanan County Iowa | 2 | $ 180,000 | $ 90,000 | $ 105,000 |
| Davis County Iowa | 2 | $ 390,000 | $ 195,000 | $ 116,000 |
| Monona County Iowa | 2 | $ 140,000 | $ 70,000 | $ 71,000 |
| Muscatine County Iowa | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Warren County Iowa | 2 | $ 620,000 | $ 310,000 | $ 258,000 |
| Woodbury County Iowa | 2 | $ 490,000 | $ 245,000 | $ 58,000 |
| Johnson County Kansas | 2 | $ 420,000 | $ 210,000 | $ 88,000 |
| Buchanan County Missouri | 2 | $ 120,000 | $ 60,000 | $ 53,000 |
| Johnson County Missouri | 2 | $ 980,000 | $ 490,000 | $ 155,000 |
| Box Butte County Nebraska | 2 | $ 190,000 | $ 95,000 | $ 72,000 |
| Brown County Nebraska | 2 | $ 260,000 | $ 130,000 | $ 81,000 |
| Morrill County Nebraska | 2 | $ 500,000 | $ 250,000 | $ 148,000 |
| Webster County Nebraska | 2 | $ 210,000 | $ 105,000 | $ 85,000 |
| Clark County Nevada | 2 | $ 880,000 | $ 440,000 | $ 3,104,000 |
| Los Angeles County California | 1 | $ 675,000 | $ 675,000 | $ 152,000 |
| Broomfield County Colorado | 1 | $ 355,000 | $ 355,000 | $ 287,000 |
| Chaffee County Colorado | 1 | $ 265,000 | $ 265,000 | $ 152,000 |
| Jackson County Colorado | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 305,000 | $ 305,000 | $ 64,000 |
| Charlotte County Florida | 1 | $ 315,000 | $ 315,000 | $ 140,000 |
| Citrus County Florida | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| Collier County Florida | 1 | $ 515,000 | $ 515,000 | $ 1,420,000 |
| Manatee County Florida | 1 | $ 1,845,000 | $ 1,845,000 | $ 0 |
| Walton County Florida | 1 | $ 305,000 | $ 305,000 | $ 351,000 |
| Latah County Idaho | 1 | $ 455,000 | $ 455,000 | $ 290,000 |
| Cook County Illinois | 1 | $ 455,000 | $ 455,000 | $ 254,000 |
| Appanoose County Iowa | 1 | $ 285,000 | $ 285,000 | $ 341,000 |
| Dallas County Iowa | 1 | $ 245,000 | $ 245,000 | $ 134,000 |
| Dickinson County Iowa | 1 | $ 185,000 | $ 185,000 | $ 168,000 |
| Dubuque County Iowa | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Guthrie County Iowa | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Henry County Iowa | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Jones County Iowa | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Keokuk County Iowa | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lucas County Iowa | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Mahaska County Iowa | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Montgomery County Iowa | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Plymouth County Iowa | 1 | $ 395,000 | $ 395,000 | $ 102,000 |
| Story County Iowa | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Wayne County Iowa | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Harvey County Kansas | 1 | $ 145,000 | $ 145,000 | $ 81,000 |
| Jewell County Kansas | 1 | $ 85,000 | $ 85,000 | $ 107,000 |
| Republic County Kansas | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Riley County Kansas | 1 | $ 125,000 | $ 125,000 | $ 150,000 |
| Wallace County Kansas | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Washington County Kansas | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Cass County Minnesota | 1 | $ 1,145,000 | $ 1,145,000 | $ 934,000 |
| Crow Wing County Minnesota | 1 | $ 455,000 | $ 455,000 | $ 307,000 |
| Dakota County Minnesota | 1 | $ 385,000 | $ 385,000 | $ 300,000 |
| Benton County Missouri | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Holt County Missouri | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Morgan County Missouri | 1 | $ 155,000 | $ 155,000 | $ 162,000 |
| St. Charles County Missouri | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Stone County Missouri | 1 | $ 305,000 | $ 305,000 | $ 96,000 |
| Yellowstone County Montana | 1 | $ 355,000 | $ 355,000 | $ 183,000 |
| Cherry County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 110,000 |
| Frontier County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 140,000 |
| Johnson County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Logan County Nebraska | 1 | $ 255,000 | $ 255,000 | $ 134,000 |
| Sioux County Nebraska | 1 | $ 365,000 | $ 365,000 | $ 113,000 |
| Thurston County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Wheeler County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 143,000 |
| Churchill County Nevada | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Montgomery County Ohio | 1 | $ 135,000 | $ 135,000 | $ 95,000 |
| Brown County South Dakota | 1 | $ 125,000 | $ 125,000 | $ 92,000 |
| Lincoln County South Dakota | 1 | $ 385,000 | $ 385,000 | $ 234,000 |
| Union County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Williamson County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 78,000 |
| Denton County Texas | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Midland County Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Tarrant County Texas | 1 | $ 105,000 | $ 105,000 | $ 277,000 |
| Clark County Washington | 1 | $ 445,000 | $ 445,000 | $ 451,000 |
| Carbon County Wyoming | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Platte County Wyoming | 1 | $ 95,000 | $ 95,000 | $ 104,000 |
| Teton County Wyoming | 1 | $ 805,000 | $ 805,000 | $ 0 |
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 | 1,949 | $366,525,000 | $188,000 | $1,845,000 | $101,000 | $3,104,000 |
| Refinancing | 340 | $71,210,000 | $209,000 | $1,855,000 | $109,000 | $482,000 |
| Cash-out Refinancing | 317 | $53,365,000 | $168,000 | $1,585,000 | $95,000 | $857,000 |
| Other Purpose | 47 | $5,345,000 | $113,000 | $495,000 | $116,000 | $691,000 |
| Home Improvement | 14 | $1,360,000 | $97,000 | $335,000 | $90,000 | $151,000 |
| 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 | 2,202 | $406,160,000 | $184,000 | $1,585,000 | $100,000 | $1,420,000 |
| Not applicable | 282 | $57,860,000 | $205,000 | $1,845,000 | $0 | $0 |
| Hispanic | 83 | $11,255,000 | $135,000 | $415,000 | $63,000 | $177,000 |
| Not Provided | 49 | $12,125,000 | $247,000 | $1,855,000 | $145,000 | $500,000 |
| Asian | 22 | $5,390,000 | $245,000 | $505,000 | $266,000 | $3,104,000 |
| Black or African American | 18 | $3,570,000 | $198,000 | $455,000 | $109,000 | $371,000 |
| American Indian or Alaskan Native | 9 | $1,145,000 | $127,000 | $255,000 | $44,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $285,000 | $285,000 | $285,000 | $99,000 | $99,000 |
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) | 2,398 | $459,970,000 | $191,000 | $1,855,000 | $107,000 | $3,104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 106 | $10,770,000 | $101,000 | $355,000 | $48,000 | $127,000 |
| FHA-insured (Federal Housing Administration) | 94 | $12,250,000 | $130,000 | $285,000 | $57,000 | $215,000 |
| VA-guaranteed (Veterans Administration) | 69 | $14,815,000 | $214,000 | $675,000 | $81,000 | $204,000 |
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 | 2,107 | $401,365,000 | $190,000 | $1,855,000 | $104,000 | $3,104,000 |
| Loan Purchased By The Institution | 226 | $41,300,000 | $182,000 | $455,000 | $0 | $0 |
| Application Approved But Not Accepted | 185 | $33,285,000 | $179,000 | $625,000 | $98,000 | $500,000 |
| Application Denied By Financial Institution | 132 | $18,560,000 | $140,000 | $515,000 | $60,000 | $533,000 |
| Application Withdrawn By Applicant | 16 | $2,970,000 | $185,000 | $805,000 | $119,000 | $691,000 |
| File Closed For Incompleteness | 1 | $325,000 | $325,000 | $325,000 | $137,000 | $137,000 |
| 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 | 2,535 | $479,245,000 | $189,000 | $1,855,000 | $104,000 | $3,104,000 |
| Debt-To-Income Ratio | 57 | $9,335,000 | $163,000 | $455,000 | $54,000 | $533,000 |
| Credit History | 54 | $6,170,000 | $114,000 | $515,000 | $64,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,220,000 | $122,000 | $225,000 | $55,000 | $148,000 |
| Other | 5 | $865,000 | $173,000 | $235,000 | $83,000 | $126,000 |
| Employment History | 3 | $595,000 | $198,000 | $375,000 | $45,000 | $106,000 |
| Collateral | 2 | $160,000 | $80,000 | $125,000 | $89,000 | $134,000 |
| Unverifiable Information | 1 | $215,000 | $215,000 | $215,000 | $150,000 | $150,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into West Gate Bank's 2018 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.
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with aggregated HMDA statistics today.