Perkins County, NE Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 78 mortgage applications in Perkins County, NE totaling $7.2 million, down 16% from 2018. The average application was for $92,000, and applicants reported an average income of $68,000. 67% of applications resulted in an originated loan and 9% were denied. The most active lender was Pinnacle Bank, with 25 applications, followed by Adams Bank & Trust and Citizens Bank, NA.
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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 | 78 |
| Total Mortgage Loan Application Amount | $7,210,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $228,000 |
| 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 |
* | $ 4,729,390,000 | 25 | $ 1,685,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 780,385,000 | 20 | $ 2,020,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 7 | $ 895,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 2 | $ 200,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 2 | $ 150,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 2 | $ 120,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 611,001,000 | 2 | $ 170,000 |
| Bank of Colorado 1609 EAST HARMONY RD FORT COLLINS, CO 80525 |
* | $ 4,026,669,000 | 2 | $ 150,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 292,321,000 | 2 | $ 90,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 125,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 225,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 355,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 95,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 13,239,925,000 | 1 | $ 165,000 |
The tables below break down 2019 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 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 | 33 | $3,515,000 | $106,000 | $225,000 | $64,000 | $228,000 |
| Refinancing | 22 | $2,100,000 | $95,000 | $355,000 | $69,000 | $158,000 |
| Cash-out Refinancing | 15 | $1,385,000 | $92,000 | $155,000 | $71,000 | $121,000 |
| Home Improvement | 7 | $195,000 | $27,000 | $65,000 | $81,000 | $118,000 |
| Other Purpose | 1 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 |
| 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 | 63 | $5,825,000 | $92,000 | $355,000 | $68,000 | $228,000 |
| Not Provided | 6 | $690,000 | $115,000 | $225,000 | $76,000 | $118,000 |
| Not applicable | 5 | $375,000 | $75,000 | $105,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $135,000 | $34,000 | $34,000 |
| Hispanic | 2 | $60,000 | $30,000 | $45,000 | $62,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 68 | $6,310,000 | $92,000 | $355,000 | $70,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $340,000 | $85,000 | $105,000 | $28,000 | $37,000 |
| VA-guaranteed (Veterans Administration) | 4 | $450,000 | $112,000 | $135,000 | $61,000 | $98,000 |
| FHA-insured (Federal Housing Administration) | 2 | $110,000 | $55,000 | $65,000 | $61,000 | $71,000 |
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 | 52 | $4,530,000 | $87,000 | $355,000 | $68,000 | $228,000 |
| Loan Purchased By The Institution | 10 | $1,380,000 | $138,000 | $355,000 | $84,000 | $158,000 |
| Application Denied By Financial Institution | 7 | $455,000 | $65,000 | $205,000 | $50,000 | $77,000 |
| Application Withdrawn By Applicant | 5 | $535,000 | $107,000 | $125,000 | $73,000 | $121,000 |
| Application Approved But Not Accepted | 3 | $195,000 | $65,000 | $75,000 | $49,000 | $71,000 |
| File Closed For Incompleteness | 1 | $115,000 | $115,000 | $115,000 | $114,000 | $114,000 |
| 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 | 70 | $6,700,000 | $95,000 | $355,000 | $71,000 | $228,000 |
| Debt-To-Income Ratio | 7 | $495,000 | $70,000 | $205,000 | $53,000 | $77,000 |
| Credit History | 1 | $15,000 | $15,000 | $15,000 | $21,000 | $21,000 |
| 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 |
| Collateral | 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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