In 2010, lenders reported 360 mortgage applications in Butler County, NE totaling $32.4 million, down 8% from 2009. The average application was for $90,000, and applicants reported an average income of $59,000. 55% of applications resulted in an originated loan and 21% were denied. The most active lender was US Bank North Dakota, with 62 applications, followed by Union Bank and Trust Company and First National Bank of Omaha.
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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 | 360 |
| Total Mortgage Loan Application Amount | $32,408,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $416,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $430,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 62 | $ 4,567,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,574,801,000 | 57 | $ 2,640,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 8,806,851,000 | 48 | $ 4,417,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 25 | $ 3,185,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 171,139,000 | 21 | $ 2,137,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 20 | $ 2,652,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 17 | $ 1,506,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 2,538,702,000 | 13 | $ 1,362,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 1,120,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 833,054,000 | 11 | $ 1,192,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 5,332,471,000 | 9 | $ 1,053,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 9 | $ 1,264,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 7 | $ 756,000 |
| Jones National Bank and Trust Company of Seward, the PO BOX 469, 203 S 6TH ST SEWARD, NE 68434 |
* | $ 201,503,000 | 5 | $ 328,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 5 | $ 379,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 283,244,000 | 4 | $ 454,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 90,000 |
| Cornhusker Bank P O BOX 80009 LINCOLN, NE 68501 |
* | $ 328,516,000 | 2 | $ 47,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 237,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 2 | $ 162,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 249,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 126,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 124,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 69,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 1 | $ 97,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 9,000 |
| Principal Bank 711 HIGH STREET DES MOINES, IA 50392 |
* | $ 2,376,140,000 | 1 | $ 23,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 40,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 700,768,000 | 1 | $ 21,000 |
| Oak Creek Valley Bank P.O. BOX 8 VALPARAISO, NE 68065 |
* | $ 54,681,000 | 1 | $ 23,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 135,000 |
| First National Bank of Wahoo 201 E 5TH ST WAHOO, NE 68066 |
* | $ 114,336,000 | 1 | $ 35,000 |
| Mutual of Omaha Bank 3333 FARNAM STREET OMAHA, NE 68131 |
* | $ 4,109,578,000 | 1 | $ 406,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 788,274,000 | 1 | $ 129,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 144,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Skyone Federal Credit Union 14600 AVIATION BOULEVARD HAWTHORNE, CA 90250 |
* | $ 319,286,000 | 1 | $ 55,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 118,000 |
| Mainstreet Bank PO BOX 7 COOK, NE 68329 |
* | $ 85,119,000 | 1 | $ 45,000 |
The tables below break down 2010 mortgage applications in Butler County, NE by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 245 | $25,270,000 | $103,000 | $406,000 | $64,000 | $430,000 |
| Home Purchase | 62 | $6,049,000 | $97,000 | $416,000 | $50,000 | $248,000 |
| Home Improvement | 53 | $1,089,000 | $20,000 | $120,000 | $48,000 | $108,000 |
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 | 316 | $27,608,000 | $87,000 | $416,000 | $61,000 | $430,000 |
| Not Provided | 23 | $2,565,000 | $111,000 | $309,000 | $64,000 | $183,000 |
| Not applicable | 13 | $1,644,000 | $126,000 | $215,000 | $0 | $0 |
| Hispanic | 6 | $367,000 | $61,000 | $160,000 | $48,000 | $119,000 |
| American Indian or Alaskan Native | 1 | $74,000 | $74,000 | $74,000 | $52,000 | $52,000 |
| Black or African American | 1 | $150,000 | $150,000 | $150,000 | $53,000 | $53,000 |
| Asian | 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) | 293 | $25,824,000 | $88,000 | $416,000 | $62,000 | $430,000 |
| FHA-insured (Federal Housing Administration) | 56 | $5,445,000 | $97,000 | $189,000 | $48,000 | $264,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $672,000 | $96,000 | $162,000 | $24,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 4 | $467,000 | $116,000 | $156,000 | $44,000 | $73,000 |
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 | 197 | $18,057,000 | $91,000 | $416,000 | $67,000 | $430,000 |
| Application Denied By Financial Institution | 76 | $5,304,000 | $69,000 | $197,000 | $49,000 | $130,000 |
| Loan Purchased By The Institution | 44 | $5,497,000 | $124,000 | $270,000 | $40,000 | $116,000 |
| Application Withdrawn By Applicant | 18 | $1,444,000 | $80,000 | $169,000 | $50,000 | $141,000 |
| Application Approved But Not Accepted | 13 | $849,000 | $65,000 | $169,000 | $63,000 | $131,000 |
| File Closed For Incompleteness | 12 | $1,257,000 | $104,000 | $165,000 | $65,000 | $134,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $903,000 | $53,000 | $180,000 | $61,000 | $91,000 |
| Debt-To-Income Ratio | 12 | $1,208,000 | $100,000 | $183,000 | $48,000 | $93,000 |
| Collateral | 9 | $729,000 | $81,000 | $197,000 | $49,000 | $108,000 |
| Other | 6 | $424,000 | $70,000 | $145,000 | $72,000 | $130,000 |
| Credit Application Incomplete | 2 | $237,000 | $118,000 | $142,000 | $31,000 | $63,000 |
| Unverifiable Information | 1 | $160,000 | $160,000 | $160,000 | $103,000 | $103,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $47,000 | $47,000 | $47,000 | $24,000 | $24,000 |
| Mortgage Insurance Denied | 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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