Wayne County, NE Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 205 mortgage applications in Wayne County, NE totaling $32.3 million, down 12% from 2020. The average application was for $157,000, and applicants reported an average income of $88,000. 61% of applications resulted in an originated loan and 10% were denied. The most active lender was West Gate Bank, with 26 applications, followed by US Bank, N.A. and Wells Fargo Bank NA.
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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 | 205 |
| Total Mortgage Loan Application Amount | $32,335,000 |
| Average Mortgage Loan Application Amount | $157,000 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $354,000 |
Top Mortgage Lenders in Wayne County, NE (2021)
Ranked by the number of mortgage applications each lender reported in Wayne County, NE in 2021.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | West Gate Bank Lincoln, NE |
26 | $4,920,000 | $189,000 | $83,000 |
| 2 | US Bank, N.A. Cincinnati, OH |
17 | $2,445,000 | $143,000 | $85,000 |
| 3 | Wells Fargo Bank NA Minneapolis, MN |
15 | $2,195,000 | $146,000 | $84,000 |
| 4 | First National Bank of Omaha Omaha, NE |
12 | $1,280,000 | $106,000 | $105,000 |
| 5 | Bankfirst Norfolk, NE |
10 | $1,180,000 | $118,000 | $69,000 |
| 6 | Frontier Bank Omaha, NE |
10 | $1,940,000 | $194,000 | $99,000 |
| 7 | Amerisave Mortgage Company Sandy Springs, GA |
7 | $1,115,000 | $159,000 | $98,000 |
| 8 | Citizens Bank, NA Providence, RI |
6 | $870,000 | $145,000 | $115,000 |
| 9 | Freedom Mortgage Corporation Boca Raton, FL |
5 | $915,000 | $183,000 | $84,000 |
| 10 | Charter West Bank West Point, NE |
5 | $645,000 | $129,000 | $63,000 |
The tables below break down 2021 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 2021
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 | 89 | $15,205,000 | $170,000 | $545,000 | $87,000 | $317,000 |
| Refinancing | 66 | $10,670,000 | $161,000 | $425,000 | $88,000 | $354,000 |
| Cash-out Refinancing | 39 | $5,985,000 | $153,000 | $325,000 | $94,000 | $190,000 |
| Home Improvement | 6 | $230,000 | $38,000 | $55,000 | $63,000 | $76,000 |
| Other Purpose | 4 | $180,000 | $45,000 | $65,000 | $100,000 | $165,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $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 | 163 | $25,775,000 | $158,000 | $425,000 | $87,000 | $354,000 |
| Not applicable | 20 | $2,890,000 | $144,000 | $385,000 | $0 | $0 |
| Not Provided | 13 | $2,125,000 | $163,000 | $325,000 | $138,000 | $290,000 |
| Hispanic | 9 | $1,545,000 | $171,000 | $545,000 | $59,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 158 | $25,030,000 | $158,000 | $545,000 | $93,000 | $354,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,160,000 | $158,000 | $325,000 | $64,000 | $146,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,035,000 | $178,000 | $375,000 | $71,000 | $121,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,110,000 | $111,000 | $185,000 | $48,000 | $84,000 |
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 | 125 | $19,935,000 | $159,000 | $425,000 | $92,000 | $354,000 |
| Loan Purchased By The Institution | 25 | $3,885,000 | $155,000 | $385,000 | $111,000 | $290,000 |
| Application Withdrawn By Applicant | 25 | $3,855,000 | $154,000 | $325,000 | $82,000 | $258,000 |
| Application Denied By Financial Institution | 21 | $3,355,000 | $159,000 | $545,000 | $64,000 | $121,000 |
| File Closed For Incompleteness | 7 | $1,095,000 | $156,000 | $225,000 | $98,000 | $185,000 |
| Application Approved But Not Accepted | 2 | $210,000 | $105,000 | $165,000 | $103,000 | $165,000 |
| 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 | 174 | $27,720,000 | $159,000 | $425,000 | $92,000 | $354,000 |
| Debt-To-Income Ratio | 16 | $2,200,000 | $137,000 | $225,000 | $74,000 | $121,000 |
| Credit History | 7 | $1,355,000 | $193,000 | $545,000 | $55,000 | $89,000 |
| Collateral | 3 | $255,000 | $85,000 | $225,000 | $97,000 | $114,000 |
| Credit Application Incomplete | 2 | $390,000 | $195,000 | $295,000 | $60,000 | $91,000 |
| Other | 2 | $290,000 | $145,000 | $165,000 | $71,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $83,000 | $83,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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