Perkins County, NE Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 103 mortgage applications in Perkins County, NE totaling $16.4 million, down 39% from 2021. The average application was for $159,000, and applicants reported an average income of $103,000. 63% of applications resulted in an originated loan and 10% were denied. The most active lender was Pinnacle Bank, with 32 applications, followed by Adams Bank & Trust and Freedom Mortgage Corporation.
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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 | 103 |
| Total Mortgage Loan Application Amount | $16,445,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $665,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $651,000 |
| 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 |
* | $ 7,852,003,000 | 32 | $ 4,190,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 1,181,623,000 | 14 | $ 1,270,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 1,175,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 6 | $ 2,230,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 4 | $ 830,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 26,812,859,000 | 3 | $ 585,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 3 | $ 335,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 2 | $ 270,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 380,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 2 | $ 500,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 2 | $ 300,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 55,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 154,830,000,000 | 1 | $ 605,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 85,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 858,139,000 | 1 | $ 185,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 1 | $ 155,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 185,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 6,586,972,000 | 1 | $ 25,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 65,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 105,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 295,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 185,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 95,000 |
| Equitable Savings & Loan Assoc PO BOX 1726 STERLING, CO 80751 |
* | $ 172,235,000 | 1 | $ 115,000 |
| Bank of Colorado 1609 EAST HARMONY RD FORT COLLINS, CO 80525 |
* | $ 6,574,472,000 | 1 | $ 95,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 155,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 235,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,000,660,000 | 1 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 365,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2022 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 2022
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 | $10,540,000 | $181,000 | $665,000 | $115,000 | $651,000 |
| Cash-out Refinancing | 18 | $2,950,000 | $163,000 | $255,000 | $100,000 | $281,000 |
| Refinancing | 16 | $2,230,000 | $139,000 | $395,000 | $75,000 | $141,000 |
| Home Improvement | 9 | $505,000 | $56,000 | $135,000 | $98,000 | $252,000 |
| Other Purpose | 2 | $220,000 | $110,000 | $155,000 | $59,000 | $64,000 |
| 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 | 76 | $11,420,000 | $150,000 | $655,000 | $104,000 | $651,000 |
| Not applicable | 11 | $1,725,000 | $156,000 | $295,000 | $0 | $0 |
| Not Provided | 8 | $2,150,000 | $268,000 | $665,000 | $135,000 | $216,000 |
| Hispanic | 7 | $1,065,000 | $152,000 | $295,000 | $55,000 | $110,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $43,000 | $43,000 |
| 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) | 75 | $12,255,000 | $163,000 | $665,000 | $117,000 | $651,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,705,000 | $131,000 | $275,000 | $54,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,430,000 | $143,000 | $175,000 | $56,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,055,000 | $211,000 | $365,000 | $66,000 | $100,000 |
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 | 65 | $9,755,000 | $150,000 | $655,000 | $115,000 | $651,000 |
| Loan Purchased By The Institution | 14 | $2,220,000 | $158,000 | $295,000 | $59,000 | $107,000 |
| Application Withdrawn By Applicant | 11 | $1,715,000 | $155,000 | $365,000 | $80,000 | $281,000 |
| Application Denied By Financial Institution | 10 | $1,800,000 | $180,000 | $395,000 | $63,000 | $101,000 |
| Application Approved But Not Accepted | 2 | $850,000 | $425,000 | $665,000 | $135,000 | $216,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $101,000 | $101,000 |
| 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 | 92 | $14,530,000 | $157,000 | $665,000 | $108,000 | $651,000 |
| Other | 3 | $615,000 | $205,000 | $365,000 | $61,000 | $70,000 |
| Collateral | 2 | $130,000 | $65,000 | $105,000 | $52,000 | $60,000 |
| Credit History | 2 | $230,000 | $115,000 | $145,000 | $52,000 | $62,000 |
| Debt-To-Income Ratio | 2 | $510,000 | $255,000 | $395,000 | $77,000 | $101,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $64,000 | $64,000 |
| Unverifiable Information | 1 | $275,000 | $275,000 | $275,000 | $78,000 | $78,000 |
| 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 |
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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