Thurston County, NE Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 106 mortgage applications in Thurston County, NE totaling $14.6 million, up 74% from 2019. The average application was for $137,000, and applicants reported an average income of $89,000. 58% of applications resulted in an originated loan and 11% were denied. The most active lender was Charter West Bank, with 21 applications, followed by Wells Fargo Bank NA and Frontier 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 | 106 |
| Total Mortgage Loan Application Amount | $14,560,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $385,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $276,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 288,563,000 | 21 | $ 2,335,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 20 | $ 2,930,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 893,857,000 | 12 | $ 2,210,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ 765,384,000 | 5 | $ 525,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 5 | $ 755,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 3 | $ 475,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 3 | $ 355,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 200,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 150,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 200,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 2 | $ 200,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 115,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 198,963,000 | 1 | $ 235,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 115,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 95,000 |
| Siouxland Federal Credit Union 3000 PLAZA DRIVE SO SIOUX CITY, NE 68776 |
* | $ 195,132,000 | 1 | $ 125,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 55,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 135,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 205,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 175,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 155,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 1 | $ 235,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 499,559,000 | 1 | $ 115,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 215,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 1,035,984,000 | 1 | $ 305,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,348,222,000 | 1 | $ 75,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 335,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 1 | $ 85,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 55,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 5,333,783,000 | 1 | $ 65,000 |
The tables below break down 2020 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 45 | $6,405,000 | $142,000 | $275,000 | $100,000 | $209,000 |
| Home Purchase | 36 | $3,880,000 | $107,000 | $305,000 | $70,000 | $276,000 |
| Cash-out Refinancing | 15 | $3,255,000 | $217,000 | $385,000 | $101,000 | $160,000 |
| Not Applicable | 5 | $545,000 | $109,000 | $165,000 | $0 | $0 |
| Other Purpose | 4 | $440,000 | $110,000 | $305,000 | $103,000 | $134,000 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $40,000 | $40,000 |
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 | 72 | $10,110,000 | $140,000 | $385,000 | $93,000 | $276,000 |
| Not applicable | 13 | $1,745,000 | $134,000 | $335,000 | $144,000 | $200,000 |
| American Indian or Alaskan Native | 12 | $1,450,000 | $120,000 | $235,000 | $61,000 | $120,000 |
| Not Provided | 8 | $1,230,000 | $153,000 | $305,000 | $87,000 | $124,000 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $91,000 | $91,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 83 | $11,815,000 | $142,000 | $385,000 | $97,000 | $276,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $990,000 | $82,000 | $115,000 | $46,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,755,000 | $159,000 | $235,000 | $50,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 62 | $8,110,000 | $130,000 | $385,000 | $88,000 | $276,000 |
| Loan Purchased By The Institution | 24 | $3,950,000 | $164,000 | $335,000 | $122,000 | $200,000 |
| Application Denied By Financial Institution | 12 | $1,460,000 | $121,000 | $255,000 | $59,000 | $120,000 |
| Application Withdrawn By Applicant | 6 | $830,000 | $138,000 | $275,000 | $94,000 | $120,000 |
| File Closed For Incompleteness | 1 | $115,000 | $115,000 | $115,000 | $39,000 | $39,000 |
| Application Approved But Not Accepted | 1 | $95,000 | $95,000 | $95,000 | $60,000 | $60,000 |
| 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 | 80 | $10,530,000 | $131,000 | $385,000 | $88,000 | $276,000 |
| Debt-To-Income Ratio | 18 | $2,880,000 | $160,000 | $315,000 | $102,000 | $209,000 |
| Credit Application Incomplete | 3 | $495,000 | $165,000 | $235,000 | $56,000 | $60,000 |
| Credit History | 2 | $120,000 | $60,000 | $65,000 | $77,000 | $116,000 |
| Other | 1 | $205,000 | $205,000 | $205,000 | $120,000 | $120,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Collateral | 1 | $255,000 | $255,000 | $255,000 | $84,000 | $84,000 |
| 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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