Merrick County, NE Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 316 mortgage applications in Merrick County, NE totaling $37.1 million, down 7% from 2018. The average application was for $117,000, and applicants reported an average income of $74,000. 53% of applications resulted in an originated loan and 16% were denied. The most active lender was Pinnacle Bank, with 40 applications, followed by Archer Cooperative Credit Union and US Bank, N.A..
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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 | 316 |
| Total Mortgage Loan Application Amount | $37,120,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $440,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,729,390,000 | 40 | $ 4,760,000 |
| Archer Cooperative Credit Union 2121 ARCHER RD ARCHER, NE 68816 |
* | $ 68,961,000 | 37 | $ 2,995,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 26 | $ 3,590,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 20 | $ 2,080,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 1,104,715,000 | 13 | $ 1,115,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 282,020,000 | 12 | $ 1,480,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 11 | $ 2,005,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 9 | $ 1,115,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 9 | $ 855,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 611,001,000 | 8 | $ 940,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 6 | $ 540,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 5 | $ 825,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 5 | $ 875,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 292,321,000 | 5 | $ 385,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,149,669,000 | 4 | $ 340,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 470,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,706,292,000 | 4 | $ 300,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 4 | $ 590,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 3 | $ 535,000 |
| Exchange Bank 14 LABARRE STREET KEARNEY, NE 68847 |
* | $ 938,232,000 | 3 | $ 135,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 3 | $ 285,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 3 | $ 125,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ 270,476,000 | 2 | $ 280,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 250,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 420,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 230,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 3,538,467,000 | 2 | $ 320,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 420,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 210,000 |
| Citizens Bank & Trust Company PO BOX 385, 7217TH STREET ST. PAUL, NE 68873 |
* | $ 205,553,000 | 2 | $ 60,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 460,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 2 | $ 170,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 714,892,000 | 2 | $ 80,000 |
| US Home Mortgage, Inc. 5901 S 58TH ST A LINCOLN, NE 68516 |
* | $ -1,000 | 2 | $ 200,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ 526,482,000 | 2 | $ 180,000 |
| Citizens State Bank 921 AVENUE E WISNER, NE 68791 |
* | $ 330,644,000 | 2 | $ 190,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 80,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 290,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 510,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 190,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 225,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 85,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 1 | $ 75,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ -1,000 | 1 | $ 265,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 656,158,000 | 1 | $ 195,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 105,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 15,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 1 | $ 155,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 185,000 |
| Pathway Bank 306 S HIGH ST PO BOX 428 CAIRO, NE 68824 |
* | $ 166,387,000 | 1 | $ 305,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 1 | $ 195,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 1 | $ 5,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 970,161,000 | 1 | $ 315,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 192,527,000 | 1 | $ 105,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 806,125,000 | 1 | $ 165,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 65,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 135,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 245,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 165,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 45,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 55,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 35,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 36,070,000 | 1 | $ 425,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 35,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 35,000 |
The tables below break down 2019 mortgage applications in Merrick 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 Merrick County, NE in 2019
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 | 161 | $20,705,000 | $128,000 | $375,000 | $70,000 | $303,000 |
| Cash-out Refinancing | 58 | $7,290,000 | $125,000 | $425,000 | $61,000 | $185,000 |
| Refinancing | 56 | $6,370,000 | $113,000 | $455,000 | $87,000 | $266,000 |
| Other Purpose | 24 | $1,800,000 | $75,000 | $345,000 | $67,000 | $225,000 |
| Home Improvement | 13 | $655,000 | $50,000 | $165,000 | $147,000 | $440,000 |
| Not Applicable | 4 | $300,000 | $75,000 | $115,000 | $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 | 236 | $26,940,000 | $114,000 | $455,000 | $74,000 | $440,000 |
| Not applicable | 38 | $4,230,000 | $111,000 | $345,000 | $28,000 | $28,000 |
| Not Provided | 31 | $3,995,000 | $128,000 | $425,000 | $71,000 | $328,000 |
| Hispanic | 8 | $1,280,000 | $160,000 | $285,000 | $73,000 | $91,000 |
| American Indian or Alaskan Native | 3 | $675,000 | $225,000 | $325,000 | $94,000 | $125,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 222 | $24,510,000 | $110,000 | $455,000 | $78,000 | $440,000 |
| FHA-insured (Federal Housing Administration) | 42 | $4,650,000 | $110,000 | $225,000 | $61,000 | $177,000 |
| VA-guaranteed (Veterans Administration) | 36 | $6,290,000 | $174,000 | $425,000 | $69,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,670,000 | $104,000 | $195,000 | $38,000 | $70,000 |
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 | 167 | $20,265,000 | $121,000 | $345,000 | $80,000 | $328,000 |
| Loan Purchased By The Institution | 59 | $7,855,000 | $133,000 | $455,000 | $69,000 | $259,000 |
| Application Denied By Financial Institution | 52 | $4,400,000 | $84,000 | $225,000 | $58,000 | $120,000 |
| Application Withdrawn By Applicant | 26 | $3,440,000 | $132,000 | $425,000 | $83,000 | $440,000 |
| Application Approved But Not Accepted | 6 | $420,000 | $70,000 | $105,000 | $36,000 | $42,000 |
| File Closed For Incompleteness | 5 | $705,000 | $141,000 | $335,000 | $78,000 | $111,000 |
| Preapproval Denied by Financial Institution | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 206 | $28,000,000 | $135,000 | $455,000 | $80,000 | $440,000 |
| Debt-To-Income Ratio | 77 | $6,385,000 | $82,000 | $305,000 | $63,000 | $303,000 |
| Credit History | 13 | $1,005,000 | $77,000 | $145,000 | $53,000 | $88,000 |
| Collateral | 8 | $690,000 | $86,000 | $145,000 | $72,000 | $120,000 |
| Credit Application Incomplete | 4 | $360,000 | $90,000 | $165,000 | $82,000 | $107,000 |
| Other | 4 | $400,000 | $100,000 | $165,000 | $39,000 | $73,000 |
| Employment History | 2 | $170,000 | $85,000 | $165,000 | $69,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $70,000 | $70,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $96,000 | $96,000 |
| Mortgage Insurance Denied | 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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