Otoe County, NE Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 603 mortgage applications in Otoe County, NE totaling $127.9 million, up 11% from 2024. The average application was for $212,000, and applicants reported an average income of $111,000. 61% of applications resulted in an originated loan and 8% were denied. The most active lender was Firstbank of Nebraska, with 35 applications, followed by Arbor Bank 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 603
Total Mortgage Loan Application Amount $127,935,000
Average Mortgage Loan Application Amount $212,000
Highest Mortgage Loan Application Amount $3,075,000
Average Applicant Income $111,000
Highest Applicant Income $979,000

Mortgage Company List for Lending in Otoe County, NE for 2025

* 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
Firstbank of Nebraska
201 E 5TH ST
WAHOO, NE 68066
* $ n/a 35 $ 7,085,000
Arbor Bank
911 CENTRAL AVENUE
NEBRASKA CITY, NE 68410
* $ n/a 30 $ 5,910,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 30 $ 4,650,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 28 $ 6,310,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ n/a 24 $ 7,650,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 18 $ 5,210,000
First Nebraska Bank
330 N. SPRUCE STREET, PO BOX 315
VALLEY, NE 68064
* $ n/a 17 $ 2,935,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 13 $ 3,505,000
Liberty First Credit Union
501 N 46TH STREET
LINCOLN, NE 68503
* $ n/a 12 $ 2,420,000
Union Bank and Trust Company
PO BOX 82535
LINCOLN, NE 68501
* $ n/a 12 $ 3,630,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ n/a 12 $ 2,980,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ n/a 12 $ 2,820,000
Lincoln Federal Svgs Bk of Ne
1101 N STREET
LINCOLN, NE 68520
* $ n/a 11 $ 3,115,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 10 $ 2,530,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 10 $ 3,000,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 10 $ 760,000
Charter West Bank
201 SOUTH MAIN STREET PO BOX 288
WEST POINT, NE 68788
* $ n/a 9 $ 1,345,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 9 $ 1,695,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 9 $ 1,845,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ n/a 9 $ 1,325,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 9 $ 1,795,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 8 $ 1,940,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 8 $ 1,200,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 8 $ 2,420,000
Cornhusker Bank
8310 O STREET
LINCOLN, NE 68510
* $ n/a 7 $ 785,000
Commercial State Bank
579 EAST BROADWAY P.O. BOX 179
WAUSA, NE 68786
* $ n/a 7 $ 1,085,000
American National Bank
8990 WEST DODGE RD
OMAHA, NE 68114
* $ n/a 7 $ 1,235,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 7 $ 1,215,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 7 $ 2,025,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 6 $ 2,050,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 6 $ 1,770,000
Centris Federal Credit Union
11825 Q STREET
OMAHA, NE 68144
* $ n/a 6 $ 530,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 6 $ 1,530,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ n/a 5 $ 1,035,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 5 $ 505,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ n/a 5 $ 355,000
Cobalt Credit Union
7148 TOWNE CENTER PARKWAY
PAPILLION, NE 68046
* $ n/a 5 $ 865,000
First State Bank Nebraska
2701 GRAINGER PARKWAY
LINCOLN, NE 68516
* $ n/a 4 $ 860,000
Frontier Bank
17002 MARCY ST, STE 120
OMAHA, NE 68154
* $ n/a 4 $ 1,160,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 4 $ 1,240,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 4 $ 230,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 4 $ 300,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 810,000
City Bank & Trust Co.
1135 MAIN AVE.
CRETE, NE 68333
* $ n/a 4 $ 1,430,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 4 $ 920,000
Lincone Federal Credit Union
2500 N ST
LINCOLN, NE 68503
* $ n/a 3 $ 125,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ n/a 3 $ 565,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 3 $ 1,475,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 3 $ 815,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 3 $ 1,335,000
Core Bank
12100 W CENTER RD
OMAHA, NE 68118
* $ n/a 3 $ 635,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 3 $ 105,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ n/a 3 $ 645,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 3 $ 805,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 1,075,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 3 $ 665,000
Farmers and Merchants Bank
617 1ST STREET, BOX E
MILFORD, NE 68405
* $ n/a 2 $ 170,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 540,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 2 $ 520,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 680,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 250,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 380,000
Security First Bank
5505 RED ROCK LANE
LINCOLN, NE 68516
* $ n/a 2 $ 200,000
Home Federal Savings and Loan
221 S LOCUST ST
GRAND ISLAND, NE 68801
* $ n/a 2 $ 600,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 2 $ 80,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 130,000
Metro Credit Union
14517 F STREET SUITE 211
OMAHA, NE 68137
* $ n/a 2 $ 30,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ n/a 2 $ 140,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 900,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 2 $ 150,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 450,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 2 $ 250,000
Nebraska Bank of Commerce
6000 VILLAGE DRIVE, STE 100
LINCOLN, NE 68516
* $ n/a 2 $ 680,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ n/a 1 $ 155,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ n/a 1 $ 55,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 1 $ 345,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 135,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 135,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ n/a 1 $ 45,000
Emprise Bank
257 N BROADWAY
WICHITA, KS 67202
* $ n/a 1 $ 525,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 185,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 205,000
First Bank
316 EAST BREMER AVENUE, P.O. BOX 837
WAVERLY, IA 50677
* $ n/a 1 $ 205,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 225,000
Four Points Federal Credit Union
510 N 127TH ST
OMAHA, NE 68137
* $ n/a 1 $ 675,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ n/a 1 $ 205,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 45,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 275,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 135,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ n/a 1 $ 125,000
Enterprise Bank & Trust
150 N. MERAMEC AVE.
CLAYTON, MO 63105
* $ n/a 1 $ 105,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ n/a 1 $ 255,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 155,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 1 $ 115,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 215,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 305,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 165,000
Regent Financial Group
1910 S 72ND STREET, STE. 103
OMAHA, NE 68135
* $ n/a 1 $ 155,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 645,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 1 $ 105,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 1 $ 185,000
Premier Bank
16802 BURKE ST
OMAHA, NE 68118
* $ n/a 1 $ 265,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 255,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 1 $ 215,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 145,000
Lps Employees Federal Credit Union
5625 O ST., STE 106
LINCOLN, NE 68510
* $ n/a 1 $ 45,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ n/a 1 $ 195,000
Colorado Federal Savings Bank
8400 E PRENTICE AVE STE 840
ENGLEWOOD, CO 80111
* $ n/a 1 $ 235,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ n/a 1 $ 215,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 355,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 25,000
Access Bank
8712 WEST DODGE ROAD
OMAHA, NE 68114
* $ n/a 1 $ 365,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ n/a 1 $ 165,000
Malvern Bank
404 MAIN ST
MALVERN, IA 51551
* $ n/a 1 $ 125,000

The tables below break down 2025 mortgage applications in Otoe 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 Otoe County, NE in 2025

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 327 $83,255,000 $254,000 $3,075,000 $115,000 $979,000
Refinancing 89 $22,425,000 $251,000 $805,000 $132,000 $852,000
Cash-out Refinancing 83 $14,025,000 $168,000 $755,000 $89,000 $252,000
Home Improvement 56 $3,980,000 $71,000 $455,000 $101,000 $261,000
Other Purpose 48 $4,250,000 $88,000 $345,000 $105,000 $320,000
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 431 $89,415,000 $207,000 $955,000 $110,000 $979,000
Not applicable 80 $21,130,000 $264,000 $3,075,000 $130,000 $185,000
Not Provided 41 $7,735,000 $188,000 $645,000 $110,000 $343,000
Hispanic 41 $7,015,000 $171,000 $455,000 $113,000 $852,000
Asian 6 $1,720,000 $286,000 $545,000 $107,000 $200,000
Black or African American 3 $785,000 $261,000 $535,000 $199,000 $263,000
American Indian or Alaskan Native 1 $135,000 $135,000 $135,000 $53,000 $53,000
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) 421 $83,165,000 $197,000 $3,075,000 $116,000 $979,000
FHA-insured (Federal Housing Administration) 88 $17,860,000 $202,000 $535,000 $85,000 $283,000
VA-guaranteed (Veterans Administration) 69 $22,095,000 $320,000 $755,000 $111,000 $290,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 25 $4,815,000 $192,000 $315,000 $79,000 $100,000

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 368 $80,450,000 $218,000 $3,075,000 $116,000 $979,000
Loan Purchased By The Institution 95 $22,565,000 $237,000 $755,000 $96,000 $343,000
Application Withdrawn By Applicant 51 $11,355,000 $222,000 $755,000 $113,000 $259,000
Application Denied By Financial Institution 50 $6,850,000 $137,000 $535,000 $89,000 $320,000
File Closed For Incompleteness 28 $5,040,000 $180,000 $515,000 $96,000 $261,000
Application Approved But Not Accepted 10 $1,540,000 $154,000 $685,000 $110,000 $195,000
Preapproval Approved but not Accepted 1 $135,000 $135,000 $135,000 $93,000 $93,000
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 443 $99,275,000 $224,000 $3,075,000 $114,000 $979,000
Debt-To-Income Ratio 123 $23,295,000 $189,000 $815,000 $105,000 $402,000
Credit History 15 $1,505,000 $100,000 $295,000 $78,000 $131,000
Credit Application Incomplete 7 $785,000 $112,000 $305,000 $134,000 $320,000
Collateral 6 $860,000 $143,000 $375,000 $83,000 $138,000
Other 4 $650,000 $162,000 $355,000 $104,000 $181,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,055,000 $351,000 $535,000 $159,000 $252,000
Unverifiable Information 1 $305,000 $305,000 $305,000 $168,000 $168,000
Employment History 1 $205,000 $205,000 $205,000 $0 $0
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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