Wayne County, NE Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 156 mortgage applications in Wayne County, NE totaling $28.1 million, up 56% from 2023. The average application was for $179,000, and applicants reported an average income of $93,000. 51% of applications resulted in an originated loan and 17% were denied. The most active lender was US Bank, N.A., with 21 applications, followed by West Gate Bank and Charter West 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 | 156 |
| Total Mortgage Loan Application Amount | $28,070,000 |
| Average Mortgage Loan Application Amount | $179,000 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $886,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 21 | $ 3,245,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 9 | $ 1,925,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 7 | $ 1,175,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,210,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 1,065,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 445,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 860,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 300,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ n/a | 4 | $ 410,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 1,500,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 315,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 3 | $ 575,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 555,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ n/a | 3 | $ 685,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 3 | $ 215,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 3 | $ 845,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 165,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 3 | $ 415,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ n/a | 2 | $ 520,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 570,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 130,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 510,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 2 | $ 520,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 2 | $ 940,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 2 | $ 470,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 560,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 720,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 270,000 |
| Citizens State Bank 921 AVENUE E WISNER, NE 68791 |
* | $ n/a | 2 | $ 280,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 510,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 400,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 210,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 1 | $ 315,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 55,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 135,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 85,000 |
| Metro Credit Union 14517 F STREET SUITE 211 OMAHA, NE 68137 |
* | $ n/a | 1 | $ 95,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 325,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ n/a | 1 | $ 235,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 105,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 215,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 75,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 125,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 285,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 385,000 |
| City Bank & Trust Co. 1135 MAIN AVE. CRETE, NE 68333 |
* | $ n/a | 1 | $ 165,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 1 | $ 185,000 |
| Firstier Bank BROOMFIELD, CO 82001 |
* | $ n/a | 1 | $ 45,000 |
| Cobalt Credit Union 7148 TOWNE CENTER PARKWAY PAPILLION, NE 68046 |
* | $ n/a | 1 | $ 75,000 |
| Bank of Dixon County 117 E 3RD ST PONCA, NE 68770 |
* | $ n/a | 1 | $ 45,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ n/a | 1 | $ 175,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ n/a | 1 | $ 405,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ n/a | 1 | $ 35,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 125,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 135,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 225,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 235,000 |
The tables below break down 2024 mortgage applications in Wayne 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 Wayne 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 | 88 | $17,280,000 | $196,000 | $475,000 | $82,000 | $208,000 |
| Cash-out Refinancing | 30 | $4,740,000 | $158,000 | $385,000 | $89,000 | $220,000 |
| Refinancing | 25 | $5,225,000 | $209,000 | $405,000 | $108,000 | $317,000 |
| Other Purpose | 10 | $590,000 | $59,000 | $105,000 | $166,000 | $886,000 |
| Home Improvement | 3 | $235,000 | $78,000 | $125,000 | $106,000 | $136,000 |
| 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 | 106 | $17,620,000 | $166,000 | $405,000 | $97,000 | $886,000 |
| Hispanic | 21 | $4,775,000 | $227,000 | $475,000 | $74,000 | $148,000 |
| Not applicable | 14 | $3,020,000 | $215,000 | $445,000 | $0 | $0 |
| Not Provided | 13 | $2,465,000 | $189,000 | $405,000 | $88,000 | $208,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $46,000 | $46,000 |
| Black or African American | 1 | $125,000 | $125,000 | $125,000 | $136,000 | $136,000 |
| 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) | 109 | $16,555,000 | $151,000 | $465,000 | $100,000 | $886,000 |
| FHA-insured (Federal Housing Administration) | 25 | $6,165,000 | $246,000 | $475,000 | $67,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 15 | $4,055,000 | $270,000 | $445,000 | $92,000 | $148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,295,000 | $185,000 | $265,000 | $74,000 | $93,000 |
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 | 79 | $13,895,000 | $175,000 | $465,000 | $98,000 | $317,000 |
| Application Denied By Financial Institution | 26 | $3,990,000 | $153,000 | $475,000 | $67,000 | $220,000 |
| Loan Purchased By The Institution | 25 | $5,165,000 | $206,000 | $445,000 | $76,000 | $127,000 |
| Application Withdrawn By Applicant | 14 | $3,090,000 | $220,000 | $405,000 | $81,000 | $222,000 |
| File Closed For Incompleteness | 7 | $1,085,000 | $155,000 | $345,000 | $110,000 | $130,000 |
| Application Approved But Not Accepted | 5 | $845,000 | $169,000 | $285,000 | $326,000 | $886,000 |
| 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 | 123 | $23,225,000 | $188,000 | $465,000 | $101,000 | $886,000 |
| Debt-To-Income Ratio | 15 | $1,915,000 | $127,000 | $265,000 | $42,000 | $72,000 |
| Credit History | 7 | $1,365,000 | $195,000 | $475,000 | $74,000 | $157,000 |
| Collateral | 5 | $705,000 | $141,000 | $345,000 | $70,000 | $113,000 |
| Credit Application Incomplete | 3 | $335,000 | $111,000 | $245,000 | $108,000 | $220,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $50,000 | $50,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $143,000 | $143,000 |
| Employment History | 1 | $335,000 | $335,000 | $335,000 | $85,000 | $85,000 |
| 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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