Perkins County, NE Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 107 mortgage applications in Perkins County, NE totaling $15.2 million, up 37% from 2019. The average application was for $141,000, and applicants reported an average income of $99,000. 64% of applications resulted in an originated loan and 15% were denied. The most active lender was Adams Bank & Trust, with 33 applications, followed by Pinnacle Bank and Farm Credit Mid-America, Aca.
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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 | 107 |
| Total Mortgage Loan Application Amount | $15,185,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $566,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 839,145,000 | 33 | $ 3,265,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 5,333,783,000 | 13 | $ 745,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 11 | $ 3,335,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 9 | $ 1,175,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 5 | $ 855,000 |
| Equitable Savings & Loan Assoc PO BOX 1726 STERLING, CO 80751 |
* | $ 164,036,000 | 3 | $ 395,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 356,893,000 | 2 | $ 320,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 500,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 2 | $ 400,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 155,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 175,000 |
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ 257,149,000 | 1 | $ 105,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 1 | $ 75,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 1 | $ 185,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,418,352,000 | 1 | $ 165,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 95,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 295,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 1 | $ 195,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 288,563,000 | 1 | $ 145,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 155,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 1 | $ 75,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 14,582,546,000 | 1 | $ 155,000 |
The tables below break down 2020 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 2020
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 | 42 | $6,790,000 | $161,000 | $675,000 | $115,000 | $566,000 |
| Refinancing | 41 | $6,085,000 | $148,000 | $365,000 | $102,000 | $376,000 |
| Cash-out Refinancing | 16 | $2,030,000 | $126,000 | $205,000 | $67,000 | $127,000 |
| Home Improvement | 7 | $205,000 | $29,000 | $95,000 | $60,000 | $78,000 |
| Other Purpose | 1 | $75,000 | $75,000 | $75,000 | $97,000 | $97,000 |
| 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 | 82 | $11,690,000 | $142,000 | $675,000 | $102,000 | $566,000 |
| Not applicable | 10 | $1,170,000 | $117,000 | $185,000 | $0 | $0 |
| Not Provided | 10 | $1,540,000 | $154,000 | $365,000 | $86,000 | $180,000 |
| Hispanic | 4 | $720,000 | $180,000 | $295,000 | $95,000 | $125,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $15,000 | $15,000 |
| 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) | 94 | $13,220,000 | $140,000 | $675,000 | $91,000 | $376,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,330,000 | $166,000 | $295,000 | $207,000 | $566,000 |
| FHA-insured (Federal Housing Administration) | 3 | $445,000 | $148,000 | $155,000 | $66,000 | $81,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $190,000 | $95,000 | $95,000 | $48,000 | $48,000 |
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 | 69 | $9,515,000 | $137,000 | $675,000 | $97,000 | $546,000 |
| Application Denied By Financial Institution | 16 | $2,310,000 | $144,000 | $245,000 | $60,000 | $223,000 |
| Loan Purchased By The Institution | 12 | $1,790,000 | $149,000 | $255,000 | $88,000 | $136,000 |
| Application Withdrawn By Applicant | 8 | $1,340,000 | $167,000 | $295,000 | $191,000 | $566,000 |
| File Closed For Incompleteness | 1 | $135,000 | $135,000 | $135,000 | $180,000 | $180,000 |
| Application Approved But Not Accepted | 1 | $95,000 | $95,000 | $95,000 | $77,000 | $77,000 |
| 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 | 89 | $12,635,000 | $141,000 | $675,000 | $108,000 | $566,000 |
| Debt-To-Income Ratio | 10 | $1,400,000 | $140,000 | $245,000 | $67,000 | $223,000 |
| Credit History | 4 | $560,000 | $140,000 | $205,000 | $53,000 | $72,000 |
| Collateral | 2 | $280,000 | $140,000 | $145,000 | $50,000 | $52,000 |
| Other | 1 | $185,000 | $185,000 | $185,000 | $42,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $54,000 | $54,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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