Otoe County, NE Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 545 mortgage applications in Otoe County, NE totaling $105.8 million, up 26% from 2023. The average application was for $194,000, and applicants reported an average income of $109,000. 59% of applications resulted in an originated loan and 12% were denied. The most active lender was US Bank, N.A., with 46 applications, followed by Arbor Bank and Firstbank of Nebraska.
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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 | 545 |
| Total Mortgage Loan Application Amount | $105,795,000 |
| Average Mortgage Loan Application Amount | $194,000 |
| Highest Mortgage Loan Application Amount | $3,315,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $1,164,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 46 | $ 8,550,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ n/a | 35 | $ 4,025,000 |
| Firstbank of Nebraska 201 E 5TH ST WAHOO, NE 68066 |
* | $ n/a | 33 | $ 4,345,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 20 | $ 4,850,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 20 | $ 6,050,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 18 | $ 3,380,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 18 | $ 4,400,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ n/a | 17 | $ 2,715,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ n/a | 15 | $ 1,595,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 15 | $ 2,315,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 15 | $ 2,905,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ n/a | 14 | $ 2,300,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 13 | $ 2,935,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 12 | $ 2,930,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 11 | $ 3,795,000 |
| Cornhusker Bank 8310 O STREET LINCOLN, NE 68510 |
* | $ n/a | 11 | $ 5,935,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 11 | $ 2,165,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ n/a | 9 | $ 1,395,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 8 | $ 580,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ n/a | 8 | $ 1,880,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ n/a | 7 | $ 1,205,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 6 | $ 400,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 6 | $ 1,090,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ n/a | 6 | $ 1,380,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 6 | $ 1,410,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 6 | $ 2,240,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 5 | $ 665,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 5 | $ 245,000 |
| City Bank & Trust Co. 1135 MAIN AVE. CRETE, NE 68333 |
* | $ n/a | 5 | $ 1,175,000 |
| Commercial State Bank 579 EAST BROADWAY P.O. BOX 179 WAUSA, NE 68786 |
* | $ n/a | 4 | $ 470,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 820,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 1,360,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ n/a | 4 | $ 320,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 4 | $ 480,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 730,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 4 | $ 1,310,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 380,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 4 | $ 1,660,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ n/a | 4 | $ 1,450,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 4 | $ 800,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 735,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 3 | $ 485,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 675,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 345,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ n/a | 3 | $ 1,175,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 350,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 220,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ n/a | 2 | $ 790,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 390,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 240,000 |
| State Bank of Table Rock 402 HOUSTON TABLE ROCK, NE 68447 |
* | $ n/a | 2 | $ 440,000 |
| Cobalt Credit Union 7148 TOWNE CENTER PARKWAY PAPILLION, NE 68046 |
* | $ n/a | 2 | $ 370,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ n/a | 2 | $ 420,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 160,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 700,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 590,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 110,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 2 | $ 570,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 420,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 260,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 310,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 140,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 2 | $ 100,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 160,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 100,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 200,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 235,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 85,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 135,000 |
| Access Bank 8712 WEST DODGE ROAD OMAHA, NE 68114 |
* | $ n/a | 1 | $ 65,000 |
| Midwest Bank 114 W MAIN ST PIERCE, NE 68767 |
* | $ n/a | 1 | $ 505,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 255,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ n/a | 1 | $ 275,000 |
| Metro Credit Union 14517 F STREET SUITE 211 OMAHA, NE 68137 |
* | $ n/a | 1 | $ 35,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 185,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 225,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 195,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 65,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 115,000 |
| First Nebraska Credit Union 10655 BEDFORD AVE OMAHA, NE 68134 |
* | $ n/a | 1 | $ 85,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 135,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 995,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 135,000 |
| Omaha Federal Credit Union 3001 S 82ND AVE OMAHA, NE 68124 |
* | $ n/a | 1 | $ 15,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ n/a | 1 | $ 35,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ n/a | 1 | $ 165,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 195,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 125,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ n/a | 1 | $ 25,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ n/a | 1 | $ 15,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 105,000 |
| I3 Bank 12212 N 156TH ST BENNINGTON, NE 68007 |
* | $ n/a | 1 | $ 125,000 |
| The Bank of Commerce 3113 SOUTH 25TH EAST AMMON, ID 83406 |
* | $ n/a | 1 | $ 175,000 |
The tables below break down 2024 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 2024
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 | 301 | $68,335,000 | $227,000 | $1,035,000 | $104,000 | $400,000 |
| Cash-out Refinancing | 81 | $11,555,000 | $142,000 | $465,000 | $92,000 | $395,000 |
| Refinancing | 63 | $18,165,000 | $288,000 | $3,315,000 | $152,000 | $1,164,000 |
| Home Improvement | 62 | $4,170,000 | $67,000 | $535,000 | $117,000 | $373,000 |
| Other Purpose | 36 | $3,230,000 | $89,000 | $305,000 | $113,000 | $250,000 |
| Not Applicable | 2 | $340,000 | $170,000 | $185,000 | $50,000 | $52,000 |
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 | 398 | $75,830,000 | $190,000 | $1,035,000 | $111,000 | $400,000 |
| Not applicable | 59 | $14,545,000 | $246,000 | $3,315,000 | $0 | $0 |
| Hispanic | 39 | $6,475,000 | $166,000 | $375,000 | $79,000 | $244,000 |
| Not Provided | 35 | $5,115,000 | $146,000 | $545,000 | $122,000 | $1,164,000 |
| Black or African American | 6 | $930,000 | $155,000 | $215,000 | $70,000 | $109,000 |
| American Indian or Alaskan Native | 4 | $1,870,000 | $467,000 | $695,000 | $235,000 | $275,000 |
| Asian | 3 | $955,000 | $318,000 | $595,000 | $80,000 | $133,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $72,000 | $72,000 |
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) | 389 | $73,155,000 | $188,000 | $3,315,000 | $116,000 | $1,164,000 |
| FHA-insured (Federal Housing Administration) | 85 | $14,685,000 | $172,000 | $335,000 | $78,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 57 | $15,865,000 | $278,000 | $1,035,000 | $111,000 | $345,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,090,000 | $149,000 | $365,000 | $66,000 | $104,000 |
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 | 321 | $64,675,000 | $201,000 | $3,315,000 | $114,000 | $400,000 |
| Loan Purchased By The Institution | 76 | $18,180,000 | $239,000 | $705,000 | $94,000 | $275,000 |
| Application Denied By Financial Institution | 63 | $8,215,000 | $130,000 | $405,000 | $91,000 | $367,000 |
| Application Withdrawn By Applicant | 56 | $11,200,000 | $200,000 | $995,000 | $118,000 | $1,164,000 |
| File Closed For Incompleteness | 17 | $2,285,000 | $134,000 | $265,000 | $99,000 | $395,000 |
| Application Approved But Not Accepted | 12 | $1,240,000 | $103,000 | $455,000 | $81,000 | $161,000 |
| 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 | 419 | $88,055,000 | $210,000 | $3,315,000 | $110,000 | $1,164,000 |
| Debt-To-Income Ratio | 83 | $12,695,000 | $152,000 | $705,000 | $106,000 | $373,000 |
| Credit History | 24 | $2,440,000 | $101,000 | $265,000 | $100,000 | $250,000 |
| Credit Application Incomplete | 7 | $655,000 | $93,000 | $245,000 | $139,000 | $367,000 |
| Collateral | 6 | $1,300,000 | $216,000 | $405,000 | $91,000 | $150,000 |
| Other | 4 | $330,000 | $82,000 | $115,000 | $80,000 | $94,000 |
| Unverifiable Information | 1 | $175,000 | $175,000 | $175,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $120,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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