Cedar County, NE Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 123 mortgage applications in Cedar County, NE totaling $12.1 million, down 24% from 2013. The average application was for $98,000, and applicants reported an average income of $59,000. 43% of applications resulted in an originated loan and 26% were denied. The most active lender was West Gate Bank, with 40 applications, followed by Wells Fargo Bank NA and US Bank, N.A..
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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 | 123 |
| Total Mortgage Loan Application Amount | $12,146,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $276,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 377,882,000 | 40 | $ 5,178,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 17 | $ 1,205,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 11 | $ 702,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 6,392,855,000 | 5 | $ 462,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 308,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 3 | $ 315,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 405,930,000 | 3 | $ 640,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 263,932,000 | 2 | $ 230,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 252,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 108,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 2 | $ 235,000 |
| Pioneer Bank 4700 SINGING HILLS BLVD. SIOUX CITY, IA 51106 |
* | $ 144,106,000 | 2 | $ 29,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 2 | $ 232,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 146,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,540,049,000 | 2 | $ 125,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 237,222,000 | 1 | $ 137,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 210,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,862,684,000 | 1 | $ 30,000 |
| Bank of Dixon County 117 E 3RD ST PONCA, NE 68770 |
* | $ 79,767,000 | 1 | $ 100,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 45,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 62,915,596,000 | 1 | $ 84,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 1 | $ 21,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,540,393,000 | 1 | $ 20,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 1 | $ 200,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 1 | $ 58,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ 152,415,000 | 1 | $ 87,000 |
| Iowa - Nebraska State Bank 2021 DAKOTA AVENUE SOUTH SIOUX CITY, NE 68776 |
* | $ 198,054,000 | 1 | $ 17,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 110,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 63,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,011,858,000 | 1 | $ 106,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 845,160,000 | 1 | $ 66,000 |
The tables below break down 2014 mortgage applications in Cedar 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 Cedar County, NE in 2014
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 | 55 | $6,018,000 | $109,000 | $400,000 | $57,000 | $276,000 |
| Refinancing | 54 | $5,074,000 | $93,000 | $320,000 | $57,000 | $193,000 |
| Home Improvement | 14 | $1,054,000 | $75,000 | $190,000 | $72,000 | $189,000 |
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 | 99 | $10,190,000 | $102,000 | $400,000 | $66,000 | $276,000 |
| Not applicable | 11 | $962,000 | $87,000 | $210,000 | $0 | $0 |
| Not Provided | 11 | $859,000 | $78,000 | $200,000 | $47,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $135,000 | $67,000 | $110,000 | $60,000 | $75,000 |
| 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 |
| Hispanic | 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) | 96 | $10,093,000 | $105,000 | $400,000 | $67,000 | $276,000 |
| FHA-insured (Federal Housing Administration) | 13 | $825,000 | $63,000 | $110,000 | $37,000 | $75,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $723,000 | $80,000 | $210,000 | $11,000 | $44,000 |
| VA-guaranteed (Veterans Administration) | 5 | $505,000 | $101,000 | $129,000 | $44,000 | $98,000 |
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 | 53 | $5,471,000 | $103,000 | $400,000 | $74,000 | $193,000 |
| Application Denied By Financial Institution | 32 | $2,280,000 | $71,000 | $225,000 | $40,000 | $96,000 |
| Loan Purchased By The Institution | 19 | $2,202,000 | $115,000 | $290,000 | $52,000 | $276,000 |
| Application Approved But Not Accepted | 9 | $1,186,000 | $131,000 | $320,000 | $67,000 | $114,000 |
| Application Withdrawn By Applicant | 6 | $460,000 | $76,000 | $123,000 | $44,000 | $71,000 |
| File Closed For Incompleteness | 4 | $547,000 | $136,000 | $200,000 | $49,000 | $69,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 6 | $305,000 | $50,000 | $82,000 | $42,000 | $96,000 |
| Credit History | 4 | $204,000 | $51,000 | $100,000 | $35,000 | $41,000 |
| Credit Application Incomplete | 3 | $193,000 | $64,000 | $87,000 | $38,000 | $79,000 |
| Debt-To-Income Ratio | 2 | $104,000 | $52,000 | $84,000 | $41,000 | $50,000 |
| Other | 2 | $250,000 | $125,000 | $150,000 | $57,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $25,000 | $25,000 | $25,000 | $46,000 | $46,000 |
| 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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