Perkins County, NE Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 78 mortgage applications in Perkins County, NE totaling $10.6 million, down 25% from 2023. The average application was for $135,000, and applicants reported an average income of $103,000. 62% of applications resulted in an originated loan and 8% were denied. The most active lender was Pinnacle Bank, with 27 applications, followed by Adams Bank & Trust and Mortgage Research Center.
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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 | $10,580,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $1,250,000 |
Top Mortgage Lenders in Perkins County, NE (2024)
Ranked by the number of mortgage applications each lender reported in Perkins County, NE in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Pinnacle Bank Lincoln, NE |
27 | $3,005,000 | $111,000 | $98,000 |
| 2 | Adams Bank & Trust Ogallala, NE |
12 | $1,540,000 | $128,000 | $78,000 |
| 3 | Mortgage Research Center Columbia, MO |
4 | $530,000 | $132,000 | $44,000 |
| 4 | Charter West Bank West Point, NE |
3 | $595,000 | $198,000 | $93,000 |
| 5 | West Gate Bank Lincoln, NE |
3 | $545,000 | $181,000 | $0 |
| 6 | Newrez LLC Fort Washington, PA |
2 | $500,000 | $250,000 | $0 |
| 7 | New American Funding, Llc. Tustin, CA |
2 | $170,000 | $85,000 | $47,000 |
| 8 | Dayspring Bank Gothenburg, NE |
2 | $480,000 | $240,000 | $74,000 |
| 9 | Bank of Colorado Fort Collins, CO |
2 | $410,000 | $205,000 | $73,000 |
| 10 | Discover Bank Greenwood, DE |
2 | $90,000 | $45,000 | $72,000 |
The tables below break down 2024 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 2024
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 | 45 | $7,475,000 | $166,000 | $465,000 | $79,000 | $182,000 |
| Home Improvement | 12 | $870,000 | $72,000 | $355,000 | $96,000 | $147,000 |
| Refinancing | 8 | $730,000 | $91,000 | $205,000 | $106,000 | $193,000 |
| Cash-out Refinancing | 7 | $1,005,000 | $143,000 | $295,000 | $92,000 | $271,000 |
| Other Purpose | 6 | $500,000 | $83,000 | $255,000 | $267,000 | $1,250,000 |
| 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 | 58 | $7,620,000 | $131,000 | $465,000 | $87,000 | $271,000 |
| Not applicable | 8 | $1,400,000 | $175,000 | $305,000 | $0 | $0 |
| Hispanic | 7 | $755,000 | $107,000 | $225,000 | $80,000 | $123,000 |
| Not Provided | 3 | $505,000 | $168,000 | $255,000 | $484,000 | $1,250,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $52,000 | $52,000 |
| Asian | 1 | $155,000 | $155,000 | $155,000 | $60,000 | $60,000 |
| 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) | 67 | $9,115,000 | $136,000 | $465,000 | $109,000 | $1,250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $560,000 | $140,000 | $195,000 | $72,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 4 | $530,000 | $132,000 | $225,000 | $44,000 | $96,000 |
| FHA-insured (Federal Housing Administration) | 3 | $375,000 | $125,000 | $175,000 | $67,000 | $85,000 |
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 | 48 | $6,380,000 | $132,000 | $465,000 | $93,000 | $271,000 |
| Loan Purchased By The Institution | 11 | $1,725,000 | $156,000 | $305,000 | $62,000 | $85,000 |
| Application Withdrawn By Applicant | 9 | $1,365,000 | $151,000 | $355,000 | $78,000 | $138,000 |
| Application Denied By Financial Institution | 6 | $670,000 | $111,000 | $225,000 | $54,000 | $96,000 |
| File Closed For Incompleteness | 4 | $440,000 | $110,000 | $255,000 | $381,000 | $1,250,000 |
| 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 | 71 | $9,805,000 | $138,000 | $465,000 | $107,000 | $1,250,000 |
| Debt-To-Income Ratio | 3 | $355,000 | $118,000 | $155,000 | $67,000 | $140,000 |
| Credit History | 2 | $80,000 | $40,000 | $45,000 | $64,000 | $85,000 |
| Collateral | 1 | $115,000 | $115,000 | $115,000 | $39,000 | $39,000 |
| Credit Application Incomplete | 1 | $225,000 | $225,000 | $225,000 | $96,000 | $96,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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