Pierce County, NE Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 119 mortgage applications in Pierce County, NE totaling $20.3 million, down 47% from 2021. The average application was for $170,000, and applicants reported an average income of $81,000. 61% of applications resulted in an originated loan and 13% were denied. The most active lender was West Gate Bank, with 18 applications, followed by US Bank, N.A. and Wells Fargo 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 | 119 |
| Total Mortgage Loan Application Amount | $20,275,000 |
| Average Mortgage Loan Application Amount | $170,000 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $787,000 |
| 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 |
* | $ 1,000,660,000 | 18 | $ 3,680,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 14 | $ 1,500,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 12 | $ 2,900,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 1,106,372,000 | 12 | $ 2,320,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 6 | $ 970,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 5 | $ 445,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 405,261,000 | 3 | $ 575,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 3 | $ 715,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 26,812,859,000 | 2 | $ 170,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ 857,401,000 | 2 | $ 290,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 7,852,003,000 | 2 | $ 340,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 210,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 2,449,188,000 | 2 | $ 270,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 70,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 2 | $ 140,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 105,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 165,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 45,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 1,266,449,000 | 1 | $ 175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 135,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 235,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 1 | $ 195,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 352,941,000 | 1 | $ 445,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 125,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 125,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 545,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 125,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 1 | $ 135,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 1 | $ 155,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 195,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 355,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 95,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 312,460,000 | 1 | $ 175,000 |
The tables below break down 2022 mortgage applications in Pierce 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 Pierce 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 | 65 | $12,655,000 | $194,000 | $625,000 | $78,000 | $178,000 |
| Cash-out Refinancing | 27 | $3,635,000 | $134,000 | $295,000 | $78,000 | $127,000 |
| Refinancing | 16 | $3,320,000 | $207,000 | $495,000 | $121,000 | $787,000 |
| Other Purpose | 5 | $405,000 | $81,000 | $135,000 | $37,000 | $58,000 |
| Home Improvement | 5 | $235,000 | $47,000 | $55,000 | $48,000 | $75,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 95 | $17,275,000 | $181,000 | $625,000 | $85,000 | $787,000 |
| Not applicable | 12 | $1,510,000 | $125,000 | $195,000 | $0 | $0 |
| Not Provided | 9 | $1,275,000 | $141,000 | $235,000 | $52,000 | $109,000 |
| Black or African American | 2 | $80,000 | $40,000 | $45,000 | $56,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $58,000 | $58,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 85 | $15,955,000 | $187,000 | $625,000 | $88,000 | $787,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,915,000 | $112,000 | $265,000 | $67,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,605,000 | $123,000 | $195,000 | $45,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 4 | $800,000 | $200,000 | $355,000 | $80,000 | $94,000 |
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 | 72 | $12,390,000 | $172,000 | $615,000 | $89,000 | $787,000 |
| Loan Purchased By The Institution | 16 | $2,660,000 | $166,000 | $495,000 | $68,000 | $121,000 |
| Application Denied By Financial Institution | 15 | $2,285,000 | $152,000 | $545,000 | $61,000 | $154,000 |
| Application Withdrawn By Applicant | 14 | $2,640,000 | $188,000 | $625,000 | $73,000 | $168,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $39,000 | $39,000 |
| Application Approved But Not Accepted | 1 | $195,000 | $195,000 | $195,000 | $52,000 | $52,000 |
| 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 | 102 | $17,700,000 | $173,000 | $625,000 | $85,000 | $787,000 |
| Debt-To-Income Ratio | 6 | $1,280,000 | $213,000 | $495,000 | $55,000 | $83,000 |
| Credit Application Incomplete | 5 | $395,000 | $79,000 | $135,000 | $55,000 | $120,000 |
| Credit History | 3 | $235,000 | $78,000 | $135,000 | $63,000 | $75,000 |
| Collateral | 2 | $120,000 | $60,000 | $85,000 | $51,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $545,000 | $545,000 | $545,000 | $154,000 | $154,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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