Sheridan County, NE Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 90 mortgage applications in Sheridan County, NE totaling $8.5 million, down 16% from 2022. The average application was for $94,000, and applicants reported an average income of $82,000. 50% of applications resulted in an originated loan and 18% were denied. The most active lender was Security First Bank, with 22 applications, followed by BMO Harris Bank NA 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 | 90 |
| Total Mortgage Loan Application Amount | $8,540,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $690,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 1,622,947,000 | 22 | $ 1,610,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 7 | $ 265,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 28,274,145,000 | 6 | $ 440,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 320,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 3 | $ 145,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 3 | $ 205,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 3 | $ 265,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 365,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 315,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 200,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 2 | $ 220,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 130,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 180,000 |
| Nebraska Bank 355 2ND ST DODGE, NE 68633 |
* | $ 407,729,000 | 2 | $ 130,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 70,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 260,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 91,580,361,000 | 1 | $ 75,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 85,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 1 | $ 75,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 1,670,754,000 | 1 | $ 75,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 26,612,483,000 | 1 | $ 675,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ -1,000 | 1 | $ 35,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,576,681,000 | 1 | $ 225,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 2,170,479,000 | 1 | $ 205,000 |
| Builder Finance Inc 1418 N C AVE SIOUX FALLS, SD 57103 |
* | $ -1,000 | 1 | $ 105,000 |
| Bank of Colorado 1609 EAST HARMONY RD FORT COLLINS, CO 80525 |
* | $ 6,600,477,000 | 1 | $ 615,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 1 | $ 45,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 65,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 165,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 7,608,489,000 | 1 | $ 35,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 1,264,296,000 | 1 | $ 25,000 |
The tables below break down 2023 mortgage applications in Sheridan 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 Sheridan County, NE in 2023
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 | 48 | $5,910,000 | $123,000 | $675,000 | $96,000 | $690,000 |
| Cash-out Refinancing | 14 | $1,290,000 | $92,000 | $195,000 | $74,000 | $290,000 |
| Home Improvement | 12 | $460,000 | $38,000 | $75,000 | $74,000 | $150,000 |
| Other Purpose | 10 | $470,000 | $47,000 | $85,000 | $51,000 | $110,000 |
| Refinancing | 6 | $410,000 | $68,000 | $105,000 | $72,000 | $187,000 |
| 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 | 61 | $6,005,000 | $98,000 | $675,000 | $81,000 | $690,000 |
| Not Provided | 9 | $1,015,000 | $112,000 | $245,000 | $117,000 | $238,000 |
| Not applicable | 6 | $620,000 | $103,000 | $135,000 | $0 | $0 |
| Hispanic | 6 | $420,000 | $70,000 | $95,000 | $59,000 | $137,000 |
| American Indian or Alaskan Native | 4 | $240,000 | $60,000 | $85,000 | $63,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $90,000 | $45,000 | $55,000 | $49,000 | $65,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $122,000 | $122,000 |
| Black or African American | 1 | $45,000 | $45,000 | $45,000 | $109,000 | $109,000 |
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) | 70 | $6,530,000 | $93,000 | $675,000 | $90,000 | $690,000 |
| FHA-insured (Federal Housing Administration) | 10 | $840,000 | $84,000 | $145,000 | $37,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 7 | $815,000 | $116,000 | $205,000 | $76,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $355,000 | $118,000 | $135,000 | $39,000 | $49,000 |
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 | 45 | $4,495,000 | $99,000 | $615,000 | $85,000 | $389,000 |
| Application Withdrawn By Applicant | 17 | $1,815,000 | $106,000 | $675,000 | $98,000 | $690,000 |
| Application Denied By Financial Institution | 16 | $1,180,000 | $73,000 | $225,000 | $69,000 | $290,000 |
| Loan Purchased By The Institution | 6 | $600,000 | $100,000 | $135,000 | $64,000 | $64,000 |
| Application Approved But Not Accepted | 4 | $290,000 | $72,000 | $115,000 | $52,000 | $94,000 |
| File Closed For Incompleteness | 2 | $160,000 | $80,000 | $105,000 | $33,000 | $33,000 |
| 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 | 72 | $7,230,000 | $100,000 | $675,000 | $87,000 | $690,000 |
| Debt-To-Income Ratio | 10 | $870,000 | $87,000 | $225,000 | $60,000 | $290,000 |
| Credit History | 4 | $320,000 | $80,000 | $165,000 | $77,000 | $109,000 |
| Collateral | 3 | $85,000 | $28,000 | $35,000 | $60,000 | $88,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $96,000 | $96,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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