Cedar County, NE Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 117 mortgage applications in Cedar County, NE totaling $13.5 million, down 26% from 2017. The average application was for $115,000, and applicants reported an average income of $72,000. 54% of applications resulted in an originated loan and 14% were denied. The most active lender was West Gate Bank, with 24 applications, followed by First National Bank of Omaha 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 | 117 |
| Total Mortgage Loan Application Amount | $13,505,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $698,000 |
| 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 |
* | $ 491,903,000 | 24 | $ 3,180,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 20,351,074,000 | 14 | $ 1,360,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 8 | $ 710,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 7 | $ 945,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 4 | $ 310,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 787,150,000 | 3 | $ 505,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 3 | $ 105,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 245,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 250,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 2 | $ 370,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 110,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 3,558,094,000 | 2 | $ 80,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 410,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 8,144,695,000 | 2 | $ 150,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 250,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 150,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 150,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 180,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 25,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,598,426,000 | 1 | $ 215,000 |
| Cass County Bank, Inc. 2020 W 8TH AVE PLATTSMOUTH, NE 68048 |
* | $ 70,080,000 | 1 | $ 225,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 105,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 165,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 1 | $ 375,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,634,251,000 | 1 | $ 45,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 3,567,564,000 | 1 | $ 115,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,594,004,000 | 1 | $ 155,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 650,256,000 | 1 | $ 85,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 125,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 165,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 205,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 75,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 85,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 1 | $ 45,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 345,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 45,000 |
The tables below break down 2018 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 2018
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 | 56 | $6,100,000 | $108,000 | $325,000 | $58,000 | $118,000 |
| Cash-out Refinancing | 31 | $4,475,000 | $144,000 | $455,000 | $77,000 | $195,000 |
| Refinancing | 20 | $2,220,000 | $111,000 | $345,000 | $96,000 | $698,000 |
| Home Improvement | 7 | $315,000 | $45,000 | $105,000 | $77,000 | $173,000 |
| Other Purpose | 3 | $395,000 | $131,000 | $315,000 | $74,000 | $112,000 |
| 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 | 92 | $11,190,000 | $121,000 | $455,000 | $76,000 | $698,000 |
| Not Provided | 14 | $1,370,000 | $97,000 | $205,000 | $50,000 | $120,000 |
| Not applicable | 11 | $945,000 | $85,000 | $135,000 | $19,000 | $19,000 |
| 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 |
| 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) | 71 | $8,325,000 | $117,000 | $455,000 | $83,000 | $698,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,995,000 | $95,000 | $235,000 | $39,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,025,000 | $135,000 | $215,000 | $63,000 | $164,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,160,000 | $116,000 | $275,000 | $67,000 | $107,000 |
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 | 63 | $7,185,000 | $114,000 | $375,000 | $68,000 | $195,000 |
| Loan Purchased By The Institution | 21 | $2,275,000 | $108,000 | $315,000 | $56,000 | $112,000 |
| Application Denied By Financial Institution | 16 | $1,940,000 | $121,000 | $345,000 | $63,000 | $160,000 |
| Application Withdrawn By Applicant | 9 | $895,000 | $99,000 | $165,000 | $139,000 | $698,000 |
| Application Approved But Not Accepted | 7 | $1,075,000 | $153,000 | $455,000 | $72,000 | $174,000 |
| File Closed For Incompleteness | 1 | $135,000 | $135,000 | $135,000 | $38,000 | $38,000 |
| 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 | 98 | $11,060,000 | $112,000 | $455,000 | $74,000 | $698,000 |
| Debt-To-Income Ratio | 9 | $1,375,000 | $152,000 | $315,000 | $66,000 | $118,000 |
| Collateral | 2 | $190,000 | $95,000 | $135,000 | $67,000 | $95,000 |
| Other | 2 | $230,000 | $115,000 | $145,000 | $28,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $220,000 | $110,000 | $165,000 | $89,000 | $94,000 |
| Credit History | 2 | $70,000 | $35,000 | $45,000 | $34,000 | $44,000 |
| Unverifiable Information | 1 | $15,000 | $15,000 | $15,000 | $20,000 | $20,000 |
| Credit Application Incomplete | 1 | $345,000 | $345,000 | $345,000 | $160,000 | $160,000 |
| Employment History | 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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