Perkins County, NE Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 169 mortgage applications in Perkins County, NE totaling $20.5 million, up 58% from 2020. The average application was for $121,000, and applicants reported an average income of $92,000. 56% of applications resulted in an originated loan and 11% were denied. The most active lender was Adams Bank & Trust, with 51 applications, followed by Pinnacle Bank 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 | 169 |
| Total Mortgage Loan Application Amount | $20,455,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $953,000 |
| 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 | 51 | $ 5,265,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 5,333,783,000 | 29 | $ 3,495,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 24 | $ 3,070,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 9 | $ 2,015,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 9 | $ 635,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 8 | $ 1,400,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 800,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 4 | $ 240,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 510,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 350,000 |
| Equitable Savings & Loan Assoc PO BOX 1726 STERLING, CO 80751 |
* | $ 164,036,000 | 1 | $ 45,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 135,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 195,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 1 | $ 125,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 35,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 85,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 356,893,000 | 1 | $ 235,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 288,563,000 | 1 | $ 135,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 235,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 85,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,583,369,000 | 1 | $ 35,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 165,000 |
| Bank of Colorado 1609 EAST HARMONY RD FORT COLLINS, CO 80525 |
* | $ 4,520,376,000 | 1 | $ 25,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 105,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 55,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 95,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 947,909,000 | 1 | $ 155,000 |
The tables below break down 2021 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 2021
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 | 58 | $7,740,000 | $133,000 | $605,000 | $91,000 | $953,000 |
| Refinancing | 56 | $7,360,000 | $131,000 | $355,000 | $107,000 | $560,000 |
| Cash-out Refinancing | 42 | $4,710,000 | $112,000 | $275,000 | $83,000 | $257,000 |
| Home Improvement | 7 | $265,000 | $37,000 | $75,000 | $62,000 | $75,000 |
| Other Purpose | 4 | $240,000 | $60,000 | $95,000 | $52,000 | $103,000 |
| Not Applicable | 2 | $140,000 | $70,000 | $75,000 | $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 | 130 | $15,970,000 | $122,000 | $605,000 | $88,000 | $560,000 |
| Not Provided | 14 | $1,630,000 | $116,000 | $185,000 | $151,000 | $953,000 |
| Not applicable | 13 | $1,995,000 | $153,000 | $305,000 | $0 | $0 |
| Hispanic | 10 | $700,000 | $70,000 | $125,000 | $59,000 | $139,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $122,000 | $122,000 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $52,000 | $52,000 |
| Asian | 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) | 143 | $16,965,000 | $118,000 | $605,000 | $95,000 | $953,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,005,000 | $111,000 | $145,000 | $50,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,475,000 | $163,000 | $265,000 | $85,000 | $122,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,010,000 | $126,000 | $225,000 | $65,000 | $87,000 |
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 | 94 | $12,050,000 | $128,000 | $605,000 | $97,000 | $953,000 |
| Loan Purchased By The Institution | 37 | $5,105,000 | $137,000 | $325,000 | $104,000 | $560,000 |
| Application Denied By Financial Institution | 18 | $1,490,000 | $82,000 | $245,000 | $48,000 | $99,000 |
| Application Withdrawn By Applicant | 15 | $1,245,000 | $83,000 | $145,000 | $85,000 | $139,000 |
| File Closed For Incompleteness | 5 | $565,000 | $113,000 | $175,000 | $122,000 | $257,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 150 | $18,920,000 | $126,000 | $605,000 | $98,000 | $953,000 |
| Credit History | 8 | $680,000 | $85,000 | $245,000 | $51,000 | $86,000 |
| Debt-To-Income Ratio | 4 | $280,000 | $70,000 | $125,000 | $30,000 | $52,000 |
| Other | 2 | $170,000 | $85,000 | $115,000 | $61,000 | $72,000 |
| Collateral | 2 | $140,000 | $70,000 | $125,000 | $46,000 | $52,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $99,000 | $99,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $27,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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