West Gate Bank Mortgage Lending & HMDA Data, 2020
In 2020, West Gate Bank of Lincoln, NE reported 9,612 mortgage applications totaling $2.1 billion, up 92% from 2019. The average application was for $216,562, and applicants reported an average income of $117,779. 67% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (2,418), Lincoln, NE (1,662) and Des Moines-West Des Moines, IA (753) (applications in parentheses).
| 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 | 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 | 9,612 |
| Total Mortgage Loan Application Amount | $2,081,600,000 |
| Average Mortgage Loan Application Amount | $216,562 |
| Highest Mortgage Loan Application Amount | $10,255,000 |
| Average Applicant Income | $117,779 |
| Highest Applicant Income | $8,158,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records West Gate Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 3,304 | $ 607,890,000 | $ 183,986 | $ 101,537 |
| Omaha-Council Bluffs, NE-IA | 2,418 | $ 599,940,000 | $ 248,114 | $ 130,598 |
| Lincoln, NE | 1,662 | $ 381,330,000 | $ 229,440 | $ 128,000 |
| Des Moines-West Des Moines, IA | 753 | $ 165,685,000 | $ 220,033 | $ 95,000 |
| Waterloo-Cedar Falls, IA | 365 | $ 63,815,000 | $ 174,835 | $ 147,000 |
| Cedar Rapids, IA | 233 | $ 50,605,000 | $ 217,188 | $ 69,000 |
| Iowa City, IA | 221 | $ 54,735,000 | $ 247,669 | $ 86,000 |
| Grand Island, NE | 188 | $ 34,720,000 | $ 184,680 | $ 94,000 |
| Sioux City, IA-NE-SD | 62 | $ 10,210,000 | $ 164,677 | $ 88,629 |
| Manhattan, KS | 43 | $ 7,645,000 | $ 177,790 | $ 107,000 |
| Ames, IA | 37 | $ 7,275,000 | $ 196,621 | $ 70,000 |
| Provo-Orem, UT | 35 | $ 13,485,000 | $ 385,285 | $ 175,000 |
| Lubbock, TX | 26 | $ 6,780,000 | $ 260,769 | $ 417,000 |
| Kansas City, MO-KS | 24 | $ 5,010,000 | $ 208,750 | $ 92,833 |
| Cheyenne, WY | 21 | $ 5,625,000 | $ 267,857 | $ 102,000 |
| Phoenix-Mesa-Scottsdale, AZ | 19 | $ 5,745,000 | $ 302,368 | $ 226,000 |
| Amarillo, TX | 15 | $ 3,035,000 | $ 202,333 | $ 352,000 |
| Denver-Aurora-Lakewood, CO | 15 | $ 6,965,000 | $ 464,333 | $ 598,000 |
| Hagerstown-Martinsburg, MD-WV | 14 | $ 3,390,000 | $ 242,142 | $ 0 |
| Dallas-Plano-Irving, TX | 13 | $ 5,135,000 | $ 395,000 | $ 181,000 |
| Davenport-Moline-Rock Island, IA-IL | 10 | $ 2,270,000 | $ 227,000 | $ 0 |
| St. George, UT | 9 | $ 3,155,000 | $ 350,555 | $ 141,000 |
| Washington-Baltimore-Arlington, DC | 8 | $ 2,400,000 | $ 300,000 | $ 0 |
| Wichita, KS | 8 | $ 1,740,000 | $ 217,500 | $ 102,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 2,565,000 | $ 366,428 | $ 269,000 |
| Baltimore-Columbia-Towson, MD | 6 | $ 1,710,000 | $ 285,000 | $ 0 |
| Midland, TX | 6 | $ 1,890,000 | $ 315,000 | $ 248,000 |
| Greeley, CO | 5 | $ 1,525,000 | $ 305,000 | $ 91,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,305,000 | $ 261,000 | $ 213,000 |
| St. Louis, MO-IL | 5 | $ 955,000 | $ 191,000 | $ 247,000 |
| Sioux Falls, SD | 4 | $ 750,000 | $ 187,500 | $ 116,000 |
| Fort Collins, CO | 3 | $ 835,000 | $ 278,333 | $ 134,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 505,000 | $ 168,333 | $ 76,000 |
| Lawrence, KS | 3 | $ 765,000 | $ 255,000 | $ 112,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,295,000 | $ 431,666 | $ 403,000 |
| Ogden-Clearfield, UT | 3 | $ 1,245,000 | $ 415,000 | $ 0 |
| San Antonio-New Braunfels, TX | 3 | $ 825,000 | $ 275,000 | $ 150,000 |
| Abilene, TX | 2 | $ 510,000 | $ 255,000 | $ 124,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 540,000 | $ 270,000 | $ 126,000 |
| Colorado Springs, CO | 2 | $ 580,000 | $ 290,000 | $ 52,000 |
| Dubuque, IA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 1,710,000 | $ 855,000 | $ 923,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,130,000 | $ 565,000 | $ 776,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 720,000 | $ 360,000 | $ 224,000 |
| Tucson, AZ | 2 | $ 610,000 | $ 305,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,020,000 | $ 510,000 | $ 772,000 |
| Albuquerque, NM | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bakersfield, CA | 1 | $ 165,000 | $ 165,000 | $ 129,000 |
| Bremerton-Silverdale, WA | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 325,000 | $ 325,000 | $ 530,000 |
| Fargo, ND-MN | 1 | $ 165,000 | $ 165,000 | $ 126,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 285,000 | $ 285,000 | $ 122,000 |
| Fort Worth-Arlington, TX | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Fresno, CA | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Gettysburg, PA | 1 | $ 105,000 | $ 105,000 | $ 160,000 |
| Idaho Falls, ID | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Jefferson City, MO | 1 | $ 195,000 | $ 195,000 | $ 176,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Lakeland-Winter Haven, FL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Mankato-North Mankato, MN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 405,000 | $ 405,000 | $ 286,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Odessa, TX | 1 | $ 675,000 | $ 675,000 | $ 386,000 |
| Oklahoma City, OK | 1 | $ 355,000 | $ 355,000 | $ 170,000 |
| Panama City, FL | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Pocatello, ID | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 515,000 | $ 515,000 | $ 180,000 |
| Rapid City, SD | 1 | $ 285,000 | $ 285,000 | $ 180,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Salinas, CA | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 165,000 | $ 165,000 | $ 0 |
| San Rafael, CA | 1 | $ 305,000 | $ 305,000 | $ 588,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 515,000 | $ 515,000 | $ 177,000 |
| Tulsa, OK | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Tyler, TX | 1 | $ 335,000 | $ 335,000 | $ 267,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 225,000 | $ 225,000 | $ 0 |
Mortgage Loan Application Detail Totals for West Gate 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 | 4,797 | $1,083,635,000 | $225,000 | $10,255,000 | $127,000 | $3,581,000 |
| Home Purchase | 3,325 | $701,465,000 | $210,000 | $4,045,000 | $104,000 | $8,158,000 |
| Cash-out Refinancing | 1,429 | $289,555,000 | $202,000 | $515,000 | $118,000 | $1,520,000 |
| Other Purpose | 48 | $5,040,000 | $105,000 | $395,000 | $139,000 | $581,000 |
| Home Improvement | 13 | $1,905,000 | $146,000 | $505,000 | $137,000 | $293,000 |
| 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 | 6,411 | $1,356,845,000 | $211,000 | $1,505,000 | $118,000 | $8,158,000 |
| Not applicable | 2,472 | $571,740,000 | $231,000 | $10,255,000 | $0 | $0 |
| Not Provided | 382 | $88,000,000 | $230,000 | $1,035,000 | $145,000 | $2,257,000 |
| Hispanic | 213 | $36,205,000 | $169,000 | $515,000 | $78,000 | $440,000 |
| Asian | 73 | $16,755,000 | $229,000 | $515,000 | $115,000 | $960,000 |
| Black or African American | 37 | $7,605,000 | $205,000 | $425,000 | $106,000 | $421,000 |
| American Indian or Alaskan Native | 18 | $3,150,000 | $175,000 | $475,000 | $83,000 | $249,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,145,000 | $229,000 | $275,000 | $77,000 | $106,000 |
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) | 9,193 | $1,998,435,000 | $217,000 | $10,255,000 | $120,000 | $8,158,000 |
| VA-guaranteed (Veterans Administration) | 242 | $59,750,000 | $246,000 | $675,000 | $90,000 | $319,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 108 | $13,590,000 | $125,000 | $345,000 | $56,000 | $119,000 |
| FHA-insured (Federal Housing Administration) | 69 | $9,825,000 | $142,000 | $285,000 | $59,000 | $120,000 |
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 | 6,473 | $1,405,125,000 | $217,000 | $10,255,000 | $117,000 | $3,581,000 |
| Loan Purchased By The Institution | 2,363 | $514,075,000 | $217,000 | $525,000 | $0 | $0 |
| Application Approved But Not Accepted | 511 | $108,925,000 | $213,000 | $1,255,000 | $122,000 | $1,828,000 |
| Application Denied By Financial Institution | 210 | $41,330,000 | $196,000 | $1,505,000 | $117,000 | $8,158,000 |
| File Closed For Incompleteness | 31 | $7,315,000 | $235,000 | $515,000 | $82,000 | $215,000 |
| Application Withdrawn By Applicant | 24 | $4,830,000 | $201,000 | $675,000 | $135,000 | $432,000 |
| 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 | 9,402 | $2,040,270,000 | $217,000 | $10,255,000 | $118,000 | $3,581,000 |
| Debt-To-Income Ratio | 109 | $23,245,000 | $213,000 | $1,505,000 | $69,000 | $772,000 |
| Credit History | 66 | $10,530,000 | $159,000 | $1,005,000 | $83,000 | $459,000 |
| Unverifiable Information | 15 | $4,415,000 | $294,000 | $515,000 | $633,000 | $8,158,000 |
| Other | 9 | $1,385,000 | $153,000 | $245,000 | $72,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $765,000 | $153,000 | $285,000 | $64,000 | $104,000 |
| Employment History | 3 | $405,000 | $135,000 | $205,000 | $59,000 | $105,000 |
| Collateral | 2 | $370,000 | $185,000 | $245,000 | $68,000 | $90,000 |
| Mortgage Insurance Denied | 1 | $215,000 | $215,000 | $215,000 | $285,000 | $285,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into West Gate 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 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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