Brown County, NE Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 52 mortgage applications in Brown County, NE totaling $6.2 million, down 29% from 2022. The average application was for $119,000, and applicants reported an average income of $74,000. 56% of applications resulted in an originated loan and 19% were denied. The most active lender was Community Banc Mortgage Corp, with 15 applications, followed by Union Bank and Trust Company and Plains Commerce 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 | 52 |
| Total Mortgage Loan Application Amount | $6,190,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $253,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 15 | $ 1,365,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 7,608,489,000 | 6 | $ 930,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 3 | $ 475,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 200,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 1,287,359,000 | 2 | $ 300,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 230,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 2 | $ 190,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 340,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 3,460,034,000 | 2 | $ 170,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 35,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 45,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 255,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 235,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 175,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 235,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ 987,221,000 | 1 | $ 105,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 1,670,754,000 | 1 | $ 125,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 1 | $ 105,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 155,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 35,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 115,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 7,724,198,000 | 1 | $ 135,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2023 mortgage applications in Brown 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 Brown County, NE in 2023
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 | 40 | $5,070,000 | $126,000 | $585,000 | $70,000 | $253,000 |
| Refinancing | 4 | $370,000 | $92,000 | $175,000 | $96,000 | $130,000 |
| Cash-out Refinancing | 3 | $345,000 | $115,000 | $155,000 | $46,000 | $66,000 |
| Home Improvement | 3 | $335,000 | $111,000 | $255,000 | $115,000 | $150,000 |
| Other Purpose | 2 | $70,000 | $35,000 | $35,000 | $82,000 | $100,000 |
| 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 | 35 | $3,945,000 | $112,000 | $255,000 | $74,000 | $253,000 |
| Hispanic | 11 | $945,000 | $85,000 | $135,000 | $53,000 | $99,000 |
| Not Provided | 4 | $480,000 | $120,000 | $225,000 | $88,000 | $130,000 |
| Not applicable | 1 | $235,000 | $235,000 | $235,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $585,000 | $585,000 | $585,000 | $240,000 | $240,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 42 | $4,750,000 | $113,000 | $585,000 | $80,000 | $253,000 |
| FHA-insured (Federal Housing Administration) | 7 | $865,000 | $123,000 | $175,000 | $46,000 | $116,000 |
| VA-guaranteed (Veterans Administration) | 2 | $470,000 | $235,000 | $235,000 | $56,000 | $56,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $105,000 | $105,000 | $105,000 | $55,000 | $55,000 |
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 | 29 | $3,685,000 | $127,000 | $585,000 | $74,000 | $253,000 |
| Application Denied By Financial Institution | 10 | $1,000,000 | $100,000 | $255,000 | $75,000 | $158,000 |
| Application Withdrawn By Applicant | 7 | $705,000 | $100,000 | $175,000 | $62,000 | $99,000 |
| File Closed For Incompleteness | 3 | $365,000 | $121,000 | $255,000 | $105,000 | $130,000 |
| Loan Purchased By The Institution | 3 | $435,000 | $145,000 | $235,000 | $51,000 | $55,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 | 41 | $5,085,000 | $124,000 | $585,000 | $72,000 | $253,000 |
| Debt-To-Income Ratio | 4 | $390,000 | $97,000 | $165,000 | $61,000 | $124,000 |
| Credit History | 2 | $290,000 | $145,000 | $255,000 | $125,000 | $150,000 |
| Unverifiable Information | 2 | $250,000 | $125,000 | $135,000 | $41,000 | $41,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $158,000 | $158,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $66,000 | $66,000 |
| Credit Application Incomplete | 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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