Perkins County, NE Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 96 mortgage applications in Perkins County, NE totaling $11.1 million, up 1% from 2015. The average application was for $115,000, and applicants reported an average income of $82,000. 56% of applications resulted in an originated loan and 20% were denied. The most active lender was Pinnacle Bank, with 28 applications, followed by Adams Bank & Trust and Valley Bank and Trust.
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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 | 96 |
| Total Mortgage Loan Application Amount | $11,076,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $1,603,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,325,000 |
| 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 |
* | $ 4,302,336,000 | 28 | $ 2,263,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 671,079,000 | 20 | $ 1,936,000 |
| Valley Bank and Trust 1701 1ST AVENUE SCOTTSBLUFF, NE 69361 |
* | $ 360,156,000 | 10 | $ 825,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 490,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 4 | $ 395,000 |
| Western States Bank 3430 E. GRAND AVE LARAMIE, WY 82070 |
* | $ 173,735,000 | 4 | $ 1,910,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 288,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 3 | $ 457,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 2 | $ 191,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 135,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ 39,000,000 | 1 | $ 203,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 190,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 211,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,260,025,000 | 1 | $ 735,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 60,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 435,793,000 | 1 | $ 64,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 938,105,000 | 1 | $ 79,000 |
The tables below break down 2016 mortgage applications in Perkins 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 Perkins County, NE in 2016
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 | 53 | $4,496,000 | $84,000 | $211,000 | $73,000 | $1,325,000 |
| Refinancing | 32 | $5,835,000 | $182,000 | $1,603,000 | $101,000 | $1,287,000 |
| Home Improvement | 11 | $745,000 | $67,000 | $225,000 | $68,000 | $139,000 |
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 | 80 | $8,765,000 | $109,000 | $1,603,000 | $96,000 | $1,325,000 |
| Not applicable | 11 | $1,847,000 | $167,000 | $735,000 | $0 | $0 |
| Not Provided | 3 | $410,000 | $136,000 | $203,000 | $65,000 | $91,000 |
| Hispanic | 2 | $54,000 | $27,000 | $45,000 | $19,000 | $26,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 70 | $8,541,000 | $122,000 | $1,603,000 | $100,000 | $1,325,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $2,049,000 | $113,000 | $735,000 | $33,000 | $75,000 |
| FHA-insured (Federal Housing Administration) | 5 | $294,000 | $58,000 | $83,000 | $38,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 3 | $192,000 | $64,000 | $87,000 | $43,000 | $57,000 |
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 | 54 | $6,832,000 | $126,000 | $1,603,000 | $84,000 | $1,287,000 |
| Application Denied By Financial Institution | 19 | $1,758,000 | $92,000 | $203,000 | $119,000 | $1,325,000 |
| Loan Purchased By The Institution | 13 | $1,369,000 | $105,000 | $211,000 | $18,000 | $75,000 |
| Application Withdrawn By Applicant | 7 | $666,000 | $95,000 | $178,000 | $87,000 | $259,000 |
| Application Approved But Not Accepted | 2 | $226,000 | $113,000 | $113,000 | $67,000 | $74,000 |
| File Closed For Incompleteness | 1 | $225,000 | $225,000 | $225,000 | $112,000 | $112,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 3 | $390,000 | $130,000 | $201,000 | $90,000 | $120,000 |
| Credit History | 2 | $254,000 | $127,000 | $203,000 | $62,000 | $91,000 |
| Debt-To-Income Ratio | 1 | $190,000 | $190,000 | $190,000 | $46,000 | $46,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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