Thurston County, NE Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 61 mortgage applications in Thurston County, NE totaling $7.5 million, down 2% from 2018. The average application was for $122,000, and applicants reported an average income of $70,000. 54% of applications resulted in an originated loan and 15% were denied. The most active lender was Frontier Bank, with 11 applications, followed by Click N' Close, Inc. and Suntrust Banks, 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 | 61 |
| Total Mortgage Loan Application Amount | $7,495,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $285,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $225,000 |
| 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 |
* | $ 806,125,000 | 11 | $ 1,185,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 6 | $ 930,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 3 | $ 485,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 3 | $ 435,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 3 | $ 245,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 3 | $ 465,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 3 | $ 125,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 259,917,000 | 2 | $ 260,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 390,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 140,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 420,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,149,669,000 | 2 | $ 330,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 215,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 185,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 611,001,000 | 1 | $ 75,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,254,711,000 | 1 | $ 195,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 55,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 870,984,000 | 1 | $ 145,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 95,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 1 | $ 125,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 25,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 1 | $ 145,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 1 | $ 15,000 |
| Telco Triad Community CU Hmda 2025 1420 TRI VIEW AVE SIOUX CITY, IA 51108 |
* | $ 91,482,000 | 1 | $ 25,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| Citizens State Bank 921 AVENUE E WISNER, NE 68791 |
* | $ 330,644,000 | 1 | $ 35,000 |
| Cobalt Credit Union 7148 TOWNE CENTER PARKWAY PAPILLION, NE 68046 |
* | $ 1,003,102,000 | 1 | $ 75,000 |
The tables below break down 2019 mortgage applications in Thurston 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 Thurston County, NE in 2019
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 | 30 | $3,970,000 | $132,000 | $235,000 | $61,000 | $225,000 |
| Cash-out Refinancing | 11 | $1,805,000 | $164,000 | $285,000 | $75,000 | $205,000 |
| Refinancing | 11 | $1,445,000 | $131,000 | $245,000 | $76,000 | $198,000 |
| Other Purpose | 4 | $140,000 | $35,000 | $75,000 | $75,000 | $121,000 |
| Home Improvement | 4 | $110,000 | $27,000 | $45,000 | $93,000 | $150,000 |
| 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 | 36 | $4,230,000 | $117,000 | $265,000 | $68,000 | $225,000 |
| Not applicable | 11 | $1,305,000 | $118,000 | $245,000 | $86,000 | $198,000 |
| American Indian or Alaskan Native | 11 | $1,385,000 | $125,000 | $205,000 | $66,000 | $105,000 |
| Not Provided | 3 | $575,000 | $191,000 | $285,000 | $81,000 | $85,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 38 | $4,310,000 | $113,000 | $265,000 | $77,000 | $225,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,445,000 | $163,000 | $285,000 | $60,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $360,000 | $60,000 | $75,000 | $24,000 | $34,000 |
| VA-guaranteed (Veterans Administration) | 2 | $380,000 | $190,000 | $195,000 | $97,000 | $99,000 |
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 | 33 | $3,805,000 | $115,000 | $245,000 | $56,000 | $121,000 |
| Loan Purchased By The Institution | 14 | $1,790,000 | $127,000 | $245,000 | $96,000 | $225,000 |
| Application Denied By Financial Institution | 9 | $1,235,000 | $137,000 | $265,000 | $103,000 | $205,000 |
| Application Withdrawn By Applicant | 3 | $445,000 | $148,000 | $285,000 | $66,000 | $77,000 |
| File Closed For Incompleteness | 2 | $220,000 | $110,000 | $195,000 | $49,000 | $95,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 43 | $5,035,000 | $117,000 | $285,000 | $71,000 | $225,000 |
| Debt-To-Income Ratio | 11 | $1,645,000 | $149,000 | $265,000 | $53,000 | $205,000 |
| Collateral | 2 | $380,000 | $190,000 | $195,000 | $84,000 | $99,000 |
| Credit History | 2 | $70,000 | $35,000 | $45,000 | $123,000 | $150,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $96,000 | $96,000 |
| Other | 1 | $155,000 | $155,000 | $155,000 | $90,000 | $90,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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