Loup County, NE Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 20 mortgage applications in Loup County, NE totaling $3.5 million, down 5% from 2020. The average application was for $175,000, and applicants reported an average income of $126,000. 65% of applications resulted in an originated loan and 20% were denied. The most active lender was Union Bank and Trust Company, with 9 applications, followed by West Gate Bank and American Financing Corporation.
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| 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 | 20 |
| Total Mortgage Loan Application Amount | $3,510,000 |
| Average Mortgage Loan Application Amount | $175,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $126,000 |
| Highest Applicant Income | $466,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,583,369,000 | 9 | $ 1,305,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 4 | $ 890,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 175,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 281,717,000 | 1 | $ 65,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 345,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 1 | $ 155,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 255,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 275,000 |
The tables below break down 2021 mortgage applications in Loup County, NE by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Loup County, NE in 2021
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 | 7 | $1,035,000 | $147,000 | $365,000 | $124,000 | $466,000 |
| Cash-out Refinancing | 6 | $1,180,000 | $196,000 | $255,000 | $169,000 | $466,000 |
| Refinancing | 5 | $1,105,000 | $221,000 | $345,000 | $97,000 | $225,000 |
| Other Purpose | 1 | $155,000 | $155,000 | $155,000 | $81,000 | $81,000 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $33,000 | $33,000 |
| 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 | 18 | $3,180,000 | $176,000 | $365,000 | $136,000 | $466,000 |
| Not Provided | 2 | $330,000 | $165,000 | $175,000 | $40,000 | $81,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 18 | $3,190,000 | $177,000 | $365,000 | $131,000 | $466,000 |
| FHA-insured (Federal Housing Administration) | 1 | $45,000 | $45,000 | $45,000 | $34,000 | $34,000 |
| VA-guaranteed (Veterans Administration) | 1 | $275,000 | $275,000 | $275,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 13 | $2,325,000 | $178,000 | $345,000 | $94,000 | $225,000 |
| Application Denied By Financial Institution | 4 | $440,000 | $110,000 | $175,000 | $69,000 | $109,000 |
| Application Withdrawn By Applicant | 3 | $745,000 | $248,000 | $365,000 | $326,000 | $466,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 16 | $3,070,000 | $191,000 | $365,000 | $141,000 | $466,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $89,000 | $89,000 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $79,000 | $79,000 |
| Debt-To-Income Ratio | 1 | $105,000 | $105,000 | $105,000 | $109,000 | $109,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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