Phelps County, NE Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 289 mortgage applications in Phelps County, NE totaling $40.4 million, up 23% from 2019. The average application was for $139,000, and applicants reported an average income of $88,000. 57% of applications resulted in an originated loan and 12% were denied. The most active lender was West Gate Bank, with 38 applications, followed by US Bank, N.A. and First National Bank of Omaha.
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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 | 289 |
| Total Mortgage Loan Application Amount | $40,395,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $892,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 38 | $ 5,760,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 34 | $ 3,130,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 17 | $ 2,005,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 14 | $ 1,390,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 292,130,000 | 11 | $ 1,355,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 307,643,000 | 11 | $ 1,735,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 11 | $ 2,115,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 10 | $ 1,280,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 6 | $ 1,140,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 5 | $ 685,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 4 | $ 870,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 4 | $ 550,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 650,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 650,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 520,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 288,563,000 | 4 | $ 710,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 325,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 3 | $ 855,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 5,333,783,000 | 3 | $ 245,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 1,284,481,000 | 3 | $ 515,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 3 | $ 365,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 615,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ 365,025,000 | 3 | $ 585,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 575,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 765,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 2 | $ 110,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 2 | $ 320,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 260,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 210,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 340,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 2 | $ 300,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 240,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ 305,588,000 | 2 | $ 30,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 839,145,000 | 2 | $ 290,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 400,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 150,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 2 | $ 230,000 |
| US Home Mortgage, Inc. 5901 S 58TH ST A LINCOLN, NE 68516 |
* | $ -1,000 | 2 | $ 330,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 275,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,583,369,000 | 1 | $ 135,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 165,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 175,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 95,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 105,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 5,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 1,151,009,000 | 1 | $ 145,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 1 | $ 275,000 |
| Washington County Bank 1523 WASHINGTON ST. BLAIR, NE 68008 |
* | $ 441,212,000 | 1 | $ 255,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 947,909,000 | 1 | $ 145,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 175,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 55,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 1 | $ 75,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 185,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 85,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 1 | $ 75,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,734,584,000 | 1 | $ 65,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 75,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 165,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 75,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 75,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 135,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 115,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,166,684,000 | 1 | $ 215,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 85,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 185,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 125,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 198,963,000 | 1 | $ 145,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 175,000 |
| Accelerate Mortgage, LLC 750 PRIDES CROSSING #303 NEWARK, DE 19713 |
* | $ -1,000 | 1 | $ 345,000 |
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ 243,850,000 | 1 | $ 105,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 145,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 356,893,000 | 1 | $ 35,000 |
The tables below break down 2020 mortgage applications in Phelps 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 Phelps 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 | 130 | $17,830,000 | $137,000 | $455,000 | $72,000 | $301,000 |
| Refinancing | 100 | $15,330,000 | $153,000 | $425,000 | $109,000 | $892,000 |
| Cash-out Refinancing | 35 | $5,025,000 | $143,000 | $425,000 | $87,000 | $318,000 |
| Not Applicable | 12 | $1,050,000 | $87,000 | $185,000 | $0 | $0 |
| Home Improvement | 7 | $605,000 | $86,000 | $425,000 | $76,000 | $206,000 |
| Other Purpose | 5 | $555,000 | $111,000 | $205,000 | $83,000 | $112,000 |
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 | 213 | $30,785,000 | $144,000 | $455,000 | $89,000 | $892,000 |
| Not applicable | 50 | $6,080,000 | $121,000 | $425,000 | $72,000 | $137,000 |
| Not Provided | 18 | $2,590,000 | $143,000 | $235,000 | $87,000 | $180,000 |
| Hispanic | 6 | $730,000 | $121,000 | $155,000 | $65,000 | $139,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $78,000 | $78,000 |
| Asian | 1 | $125,000 | $125,000 | $125,000 | $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) | 194 | $27,890,000 | $143,000 | $455,000 | $97,000 | $892,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $3,545,000 | $95,000 | $155,000 | $43,000 | $73,000 |
| FHA-insured (Federal Housing Administration) | 33 | $3,875,000 | $117,000 | $215,000 | $52,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 25 | $5,085,000 | $203,000 | $425,000 | $80,000 | $206,000 |
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 | 165 | $24,765,000 | $150,000 | $455,000 | $88,000 | $892,000 |
| Loan Purchased By The Institution | 54 | $7,170,000 | $132,000 | $455,000 | $152,000 | $892,000 |
| Application Denied By Financial Institution | 35 | $3,435,000 | $98,000 | $235,000 | $64,000 | $135,000 |
| Application Withdrawn By Applicant | 24 | $3,340,000 | $139,000 | $255,000 | $93,000 | $232,000 |
| File Closed For Incompleteness | 9 | $1,425,000 | $158,000 | $345,000 | $75,000 | $130,000 |
| Application Approved But Not Accepted | 2 | $260,000 | $130,000 | $145,000 | $59,000 | $59,000 |
| 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 | 244 | $35,360,000 | $144,000 | $455,000 | $91,000 | $892,000 |
| Credit History | 14 | $1,090,000 | $77,000 | $135,000 | $66,000 | $135,000 |
| Debt-To-Income Ratio | 13 | $1,835,000 | $141,000 | $315,000 | $106,000 | $190,000 |
| Collateral | 6 | $710,000 | $118,000 | $205,000 | $52,000 | $112,000 |
| Credit Application Incomplete | 4 | $540,000 | $135,000 | $235,000 | $83,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $380,000 | $95,000 | $175,000 | $74,000 | $125,000 |
| Employment History | 2 | $280,000 | $140,000 | $175,000 | $57,000 | $78,000 |
| Unverifiable Information | 2 | $200,000 | $100,000 | $115,000 | $65,000 | $66,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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