Wheeler County, NE Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 24 mortgage applications in Wheeler County, NE totaling $2.6 million, up 100% from 2019. The average application was for $107,000, and applicants reported an average income of $71,000. 42% of applications resulted in an originated loan and 21% were denied. The most active lender was West Gate Bank, with 4 applications, followed by Cornerstone Bank and Farmers and Merchants 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 | 24 |
| Total Mortgage Loan Application Amount | $2,590,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $168,000 |
Top Mortgage Lenders in Wheeler County, NE (2020)
Ranked by the number of mortgage applications each lender reported in Wheeler County, NE in 2020.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | West Gate Bank Lincoln, NE |
4 | $470,000 | $117,000 | $128,000 |
| 2 | Cornerstone Bank York, NE |
3 | $155,000 | $51,000 | $55,000 |
| 3 | Farmers and Merchants Bank Milford, NE |
3 | $265,000 | $88,000 | $49,000 |
| 4 | US Bank, N.A. Cincinnati, OH |
3 | $225,000 | $75,000 | $16,000 |
| 5 | New American Funding, Llc. Tustin, CA |
1 | $55,000 | $55,000 | $21,000 |
| 6 | Wells Fargo Bank NA Minneapolis, MN |
1 | $55,000 | $55,000 | $97,000 |
| 7 | Credit Human Federal Credit Un San Antonio, TX |
1 | $105,000 | $105,000 | $73,000 |
| 8 | Union Bank and Trust Company Lincoln, NE |
1 | $305,000 | $305,000 | $95,000 |
| 9 | 21st Mortgage Knoxville, TN |
1 | $105,000 | $105,000 | $79,000 |
| 10 | Farm Credit Mid-America, Aca Louisville, KY |
1 | $365,000 | $365,000 | $136,000 |
The tables below break down 2020 mortgage applications in Wheeler 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 Wheeler 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 | 11 | $1,425,000 | $129,000 | $365,000 | $83,000 | $168,000 |
| Home Purchase | 8 | $680,000 | $85,000 | $155,000 | $79,000 | $111,000 |
| Cash-out Refinancing | 4 | $430,000 | $107,000 | $305,000 | $35,000 | $95,000 |
| Other Purpose | 1 | $55,000 | $55,000 | $55,000 | $45,000 | $45,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 22 | $2,420,000 | $110,000 | $365,000 | $73,000 | $168,000 |
| Not applicable | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| Hispanic | 1 | $15,000 | $15,000 | $15,000 | $37,000 | $37,000 |
| 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 |
| Not Provided | 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) | 23 | $2,425,000 | $105,000 | $365,000 | $71,000 | $168,000 |
| VA-guaranteed (Veterans Administration) | 1 | $165,000 | $165,000 | $165,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 10 | $1,020,000 | $102,000 | $365,000 | $75,000 | $155,000 |
| Application Denied By Financial Institution | 5 | $705,000 | $141,000 | $305,000 | $50,000 | $95,000 |
| Application Withdrawn By Applicant | 4 | $270,000 | $67,000 | $95,000 | $77,000 | $111,000 |
| File Closed For Incompleteness | 3 | $335,000 | $111,000 | $195,000 | $88,000 | $168,000 |
| Application Approved But Not Accepted | 1 | $105,000 | $105,000 | $105,000 | $73,000 | $73,000 |
| Loan Purchased By The Institution | 1 | $155,000 | $155,000 | $155,000 | $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 | 13 | $1,575,000 | $121,000 | $365,000 | $94,000 | $168,000 |
| Debt-To-Income Ratio | 8 | $740,000 | $92,000 | $305,000 | $55,000 | $95,000 |
| Collateral | 2 | $90,000 | $45,000 | $55,000 | $18,000 | $21,000 |
| Credit Application Incomplete | 1 | $185,000 | $185,000 | $185,000 | $54,000 | $54,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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