Sherman County, NE Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 81 mortgage applications in Sherman County, NE totaling $12.4 million, up 42% from 2024. The average application was for $153,000, and applicants reported an average income of $101,000. 53% of applications resulted in an originated loan and 20% were denied. The most active lender was Citizens Bank & Trust Col., with 14 applications, followed by West Gate Bank and Pinnacle Bank.
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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 | 81 |
| Total Mortgage Loan Application Amount | $12,435,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $364,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citizens Bank & Trust Col. PO BOX 385, 7217TH STREET ST. PAUL, NE 68873 |
* | $ n/a | 14 | $ 2,070,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 8 | $ 1,190,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 6 | $ 880,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ n/a | 5 | $ 325,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 860,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 830,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 3 | $ 695,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ n/a | 3 | $ 375,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 380,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ n/a | 2 | $ 480,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ n/a | 2 | $ 270,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 300,000 |
| Pathway Bank 306 S HIGH ST PO BOX 428 CAIRO, NE 68824 |
* | $ n/a | 2 | $ 100,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 2 | $ 390,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 700,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 5,000 |
| Trius Federal Credit Union 2915 2ND AVENUE KEARNEY, NE 68847 |
* | $ n/a | 1 | $ 35,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 165,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 135,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 55,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 65,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 185,000 |
| US Home Mortgage, Inc. 5901 S 58TH ST A LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 275,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 275,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 235,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 235,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 105,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 135,000 |
| Firstier Bank BROOMFIELD, CO 82001 |
* | $ n/a | 1 | $ 45,000 |
| Bruning Bank 104 E MAIN STREET BRUNING, NE 68322 |
* | $ n/a | 1 | $ 35,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 195,000 |
The tables below break down 2025 mortgage applications in Sherman 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 Sherman County, NE in 2025
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 | 52 | $8,700,000 | $167,000 | $405,000 | $103,000 | $361,000 |
| Refinancing | 9 | $1,985,000 | $220,000 | $385,000 | $121,000 | $364,000 |
| Other Purpose | 8 | $460,000 | $57,000 | $135,000 | $81,000 | $126,000 |
| Cash-out Refinancing | 6 | $1,000,000 | $166,000 | $245,000 | $101,000 | $203,000 |
| Home Improvement | 6 | $290,000 | $48,000 | $115,000 | $95,000 | $293,000 |
| 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 | 69 | $11,315,000 | $163,000 | $405,000 | $99,000 | $364,000 |
| Not applicable | 5 | $635,000 | $127,000 | $195,000 | $0 | $0 |
| Not Provided | 4 | $210,000 | $52,000 | $85,000 | $80,000 | $101,000 |
| Hispanic | 2 | $220,000 | $110,000 | $185,000 | $96,000 | $103,000 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $293,000 | $293,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 62 | $9,020,000 | $145,000 | $405,000 | $103,000 | $364,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,700,000 | $212,000 | $245,000 | $94,000 | $203,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,095,000 | $156,000 | $285,000 | $98,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $620,000 | $155,000 | $185,000 | $91,000 | $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 | 43 | $6,785,000 | $157,000 | $405,000 | $113,000 | $364,000 |
| Application Denied By Financial Institution | 16 | $1,780,000 | $111,000 | $315,000 | $56,000 | $103,000 |
| Application Withdrawn By Applicant | 7 | $1,385,000 | $197,000 | $385,000 | $141,000 | $184,000 |
| Loan Purchased By The Institution | 7 | $1,245,000 | $177,000 | $285,000 | $99,000 | $175,000 |
| File Closed For Incompleteness | 5 | $775,000 | $155,000 | $275,000 | $104,000 | $203,000 |
| Application Approved But Not Accepted | 3 | $465,000 | $155,000 | $275,000 | $66,000 | $66,000 |
| 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 | 42 | $7,460,000 | $177,000 | $385,000 | $101,000 | $203,000 |
| Debt-To-Income Ratio | 33 | $4,365,000 | $132,000 | $405,000 | $111,000 | $364,000 |
| Collateral | 2 | $240,000 | $120,000 | $185,000 | $52,000 | $75,000 |
| Credit History | 2 | $200,000 | $100,000 | $145,000 | $66,000 | $81,000 |
| Credit Application Incomplete | 1 | $105,000 | $105,000 | $105,000 | $58,000 | $58,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $32,000 | $32,000 |
| 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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