Sherman County, NE Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 73 mortgage applications in Sherman County, NE totaling $8.7 million, up 24% from 2019. The average application was for $119,000, and applicants reported an average income of $74,000. 58% of applications resulted in an originated loan and 14% were denied. The most active lender was West Gate Bank, with 7 applications, followed by Citizens Bank, NA and US Home Mortgage, Inc..
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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 | 73 |
| Total Mortgage Loan Application Amount | $8,705,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $212,000 |
| 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 |
* | $ 737,952,000 | 7 | $ 1,075,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 7 | $ 695,000 |
| US Home Mortgage, Inc. 5901 S 58TH ST A LINCOLN, NE 68516 |
* | $ -1,000 | 5 | $ 335,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 4 | $ 420,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 356,893,000 | 4 | $ 480,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 1,284,481,000 | 4 | $ 700,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 4 | $ 250,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 3 | $ 495,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 575,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 2 | $ 130,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 292,130,000 | 2 | $ 290,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 150,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 288,563,000 | 2 | $ 170,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 281,717,000 | 2 | $ 830,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 2 | $ 130,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 85,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 5,333,783,000 | 1 | $ 85,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 25,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 125,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 115,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 722,070,000 | 1 | $ 35,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,583,369,000 | 1 | $ 205,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 135,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 125,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 198,963,000 | 1 | $ 85,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 115,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 105,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 45,000 |
| Dundee Bank 5015 UNDERWOOD AVE OMAHA, NE 68132 |
* | $ 297,240,000 | 1 | $ 55,000 |
The tables below break down 2020 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 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 | 27 | $2,315,000 | $85,000 | $185,000 | $48,000 | $93,000 |
| Refinancing | 27 | $4,035,000 | $149,000 | $425,000 | $95,000 | $212,000 |
| Cash-out Refinancing | 15 | $2,135,000 | $142,000 | $415,000 | $74,000 | $158,000 |
| Other Purpose | 2 | $120,000 | $60,000 | $75,000 | $93,000 | $126,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $92,000 | $92,000 |
| Not Applicable | 1 | $15,000 | $15,000 | $15,000 | $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 | 56 | $6,950,000 | $124,000 | $425,000 | $73,000 | $212,000 |
| Not applicable | 9 | $765,000 | $85,000 | $125,000 | $31,000 | $40,000 |
| Not Provided | 6 | $660,000 | $110,000 | $205,000 | $68,000 | $105,000 |
| Asian | 1 | $145,000 | $145,000 | $145,000 | $194,000 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $121,000 | $121,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 57 | $7,175,000 | $125,000 | $425,000 | $79,000 | $212,000 |
| FHA-insured (Federal Housing Administration) | 7 | $495,000 | $70,000 | $125,000 | $28,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 5 | $655,000 | $131,000 | $225,000 | $64,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $380,000 | $95,000 | $115,000 | $37,000 | $37,000 |
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 | 42 | $5,550,000 | $132,000 | $415,000 | $77,000 | $212,000 |
| Loan Purchased By The Institution | 10 | $900,000 | $90,000 | $135,000 | $47,000 | $78,000 |
| Application Denied By Financial Institution | 10 | $1,000,000 | $100,000 | $215,000 | $73,000 | $126,000 |
| Application Withdrawn By Applicant | 8 | $990,000 | $123,000 | $425,000 | $77,000 | $211,000 |
| File Closed For Incompleteness | 2 | $200,000 | $100,000 | $125,000 | $33,000 | $33,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $37,000 | $37,000 |
| 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 | 54 | $5,940,000 | $110,000 | $425,000 | $68,000 | $211,000 |
| Debt-To-Income Ratio | 15 | $2,405,000 | $160,000 | $415,000 | $92,000 | $212,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $76,000 | $76,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 1 | $215,000 | $215,000 | $215,000 | $47,000 | $47,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $126,000 | $126,000 |
| 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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