Richardson County, NE Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 339 mortgage applications in Richardson County, NE totaling $39.2 million, up 37% from 2020. The average application was for $115,000, and applicants reported an average income of $81,000. 60% of applications resulted in an originated loan and 12% were denied. The most active lender was Frontier Bank, with 92 applications, followed by West Gate 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 | 339 |
| Total Mortgage Loan Application Amount | $39,175,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $735,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $1,121,000 |
* 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 |
|---|---|---|---|---|
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 893,857,000 | 92 | $ 8,870,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 32 | $ 3,610,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 23 | $ 3,885,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 18 | $ 1,420,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 11 | $ 1,415,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 4,043,203,000 | 11 | $ 755,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 11 | $ 455,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 6 | $ 510,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 5 | $ 605,000 |
| Gnbank, N.A. 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 641,466,000 | 5 | $ 285,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 5 | $ 1,185,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 495,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 4 | $ 1,310,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 1,170,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 690,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 3 | $ 415,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 485,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,583,369,000 | 3 | $ 315,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ 305,588,000 | 3 | $ 165,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 629,553,000 | 3 | $ 135,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 665,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 575,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 2 | $ 280,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 2 | $ 520,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 300,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 2 | $ 80,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 400,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 288,563,000 | 2 | $ 420,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 280,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 250,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 160,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 140,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 380,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 250,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,348,222,000 | 2 | $ 70,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 45,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 5,333,783,000 | 1 | $ 45,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 55,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 1 | $ 125,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 275,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 5,893,793,000 | 1 | $ 65,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 325,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 5,091,929,000 | 1 | $ 85,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 75,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 195,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 281,717,000 | 1 | $ 65,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 1 | $ 55,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 2,956,628,000 | 1 | $ 75,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 75,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 307,643,000 | 1 | $ 205,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 75,000 |
| Nebraska Bank of Commerce 6000 VILLAGE DRIVE, STE 100 LINCOLN, NE 68516 |
* | $ 151,019,000 | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 105,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 628,754,000 | 1 | $ 85,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 105,000 |
| Firstbank of Nebraska 201 E 5TH ST WAHOO, NE 68066 |
* | $ 282,384,000 | 1 | $ 85,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,825,507,000 | 1 | $ 75,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 75,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 195,000 |
| The Nodaway Valley Bank P. O. BOX 7315, 402 N. BELT HWY MARYVILLE, MO 64468 |
* | $ 932,175,000 | 1 | $ 75,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 105,000 |
The tables below break down 2021 mortgage applications in Richardson 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 Richardson 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 | 138 | $15,140,000 | $109,000 | $735,000 | $83,000 | $1,121,000 |
| Refinancing | 132 | $17,140,000 | $129,000 | $355,000 | $84,000 | $265,000 |
| Cash-out Refinancing | 44 | $6,050,000 | $137,000 | $355,000 | $78,000 | $300,000 |
| Home Improvement | 17 | $465,000 | $27,000 | $55,000 | $57,000 | $125,000 |
| Other Purpose | 8 | $380,000 | $47,000 | $85,000 | $53,000 | $104,000 |
| 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 | 250 | $28,860,000 | $115,000 | $735,000 | $83,000 | $1,121,000 |
| Not Provided | 39 | $5,125,000 | $131,000 | $345,000 | $73,000 | $240,000 |
| Not applicable | 37 | $4,095,000 | $110,000 | $355,000 | $74,000 | $110,000 |
| American Indian or Alaskan Native | 7 | $475,000 | $67,000 | $165,000 | $51,000 | $112,000 |
| Hispanic | 5 | $545,000 | $109,000 | $195,000 | $72,000 | $106,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $44,000 | $44,000 |
| 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) | 272 | $30,370,000 | $111,000 | $735,000 | $85,000 | $1,121,000 |
| FHA-insured (Federal Housing Administration) | 33 | $3,825,000 | $115,000 | $255,000 | $48,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,890,000 | $194,000 | $355,000 | $89,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,090,000 | $77,000 | $195,000 | $45,000 | $80,000 |
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 | 203 | $22,085,000 | $108,000 | $735,000 | $84,000 | $1,121,000 |
| Loan Purchased By The Institution | 56 | $8,280,000 | $147,000 | $355,000 | $95,000 | $240,000 |
| Application Denied By Financial Institution | 40 | $4,130,000 | $103,000 | $335,000 | $63,000 | $198,000 |
| Application Withdrawn By Applicant | 22 | $2,560,000 | $116,000 | $265,000 | $63,000 | $145,000 |
| File Closed For Incompleteness | 10 | $1,180,000 | $118,000 | $325,000 | $78,000 | $300,000 |
| Application Approved But Not Accepted | 8 | $940,000 | $117,000 | $215,000 | $70,000 | $113,000 |
| 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 | 295 | $34,695,000 | $117,000 | $735,000 | $84,000 | $1,121,000 |
| Debt-To-Income Ratio | 15 | $1,805,000 | $120,000 | $335,000 | $51,000 | $152,000 |
| Collateral | 9 | $615,000 | $68,000 | $145,000 | $47,000 | $79,000 |
| Credit History | 9 | $685,000 | $76,000 | $215,000 | $76,000 | $173,000 |
| Other | 5 | $635,000 | $127,000 | $245,000 | $62,000 | $135,000 |
| Credit Application Incomplete | 4 | $540,000 | $135,000 | $175,000 | $81,000 | $165,000 |
| Unverifiable Information | 2 | $200,000 | $100,000 | $165,000 | $136,000 | $198,000 |
| 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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