Thurston County, NE Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 66 mortgage applications in Thurston County, NE totaling $11.0 million, down 1% from 2023. The average application was for $166,000, and applicants reported an average income of $124,000. 56% of applications resulted in an originated loan and 20% were denied. The most active lender was Charter West Bank, with 11 applications, followed by Frontier Bank and Click N' Close, 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 | 66 |
| Total Mortgage Loan Application Amount | $10,970,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $124,000 |
| Highest Applicant Income | $1,108,000 |
| 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 |
* | $ n/a | 11 | $ 2,295,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ n/a | 10 | $ 900,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 7 | $ 1,545,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 5 | $ 2,545,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ n/a | 3 | $ 665,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 125,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 3 | $ 365,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 165,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 410,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 130,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 80,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 220,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 215,000 |
| First Community Bank 201 MAIN ST BEEMER, NE 68716 |
* | $ n/a | 1 | $ 55,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ n/a | 1 | $ 135,000 |
| Citizens State Bank 921 AVENUE E WISNER, NE 68791 |
* | $ n/a | 1 | $ 165,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 205,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ n/a | 1 | $ 95,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 65,000 |
| Washington County Bank 1523 WASHINGTON ST. BLAIR, NE 68008 |
* | $ n/a | 1 | $ 15,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 105,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 85,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2024 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 2024
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 | 37 | $7,425,000 | $200,000 | $1,125,000 | $132,000 | $1,108,000 |
| Refinancing | 14 | $2,590,000 | $185,000 | $535,000 | $149,000 | $772,000 |
| Cash-out Refinancing | 7 | $575,000 | $82,000 | $205,000 | $65,000 | $132,000 |
| Home Improvement | 4 | $140,000 | $35,000 | $55,000 | $100,000 | $110,000 |
| Other Purpose | 4 | $240,000 | $60,000 | $105,000 | $75,000 | $95,000 |
| 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 | 33 | $6,085,000 | $184,000 | $1,125,000 | $160,000 | $1,108,000 |
| American Indian or Alaskan Native | 23 | $3,605,000 | $156,000 | $285,000 | $89,000 | $166,000 |
| Not applicable | 4 | $600,000 | $150,000 | $215,000 | $0 | $0 |
| Not Provided | 3 | $405,000 | $135,000 | $235,000 | $62,000 | $95,000 |
| Hispanic | 3 | $275,000 | $91,000 | $175,000 | $87,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 54 | $8,580,000 | $158,000 | $1,125,000 | $130,000 | $1,108,000 |
| FHA-insured (Federal Housing Administration) | 11 | $2,235,000 | $203,000 | $255,000 | $95,000 | $136,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| 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 | 37 | $6,775,000 | $183,000 | $1,125,000 | $160,000 | $1,108,000 |
| Application Denied By Financial Institution | 13 | $2,375,000 | $182,000 | $555,000 | $90,000 | $228,000 |
| Application Withdrawn By Applicant | 5 | $695,000 | $139,000 | $235,000 | $78,000 | $132,000 |
| Loan Purchased By The Institution | 5 | $605,000 | $121,000 | $215,000 | $38,000 | $40,000 |
| File Closed For Incompleteness | 4 | $450,000 | $112,000 | $245,000 | $80,000 | $97,000 |
| Application Approved But Not Accepted | 1 | $15,000 | $15,000 | $15,000 | $18,000 | $18,000 |
| Preapproval Denied by Financial Institution | 1 | $55,000 | $55,000 | $55,000 | $46,000 | $46,000 |
| Preapproval Approved but not Accepted | 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 | 50 | $8,360,000 | $167,000 | $1,125,000 | $138,000 | $1,108,000 |
| Debt-To-Income Ratio | 6 | $1,250,000 | $208,000 | $535,000 | $78,000 | $173,000 |
| Collateral | 5 | $1,095,000 | $219,000 | $555,000 | $103,000 | $228,000 |
| Credit Application Incomplete | 2 | $130,000 | $65,000 | $65,000 | $19,000 | $20,000 |
| Credit History | 2 | $80,000 | $40,000 | $45,000 | $86,000 | $101,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $110,000 | $110,000 |
| 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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