Cherry County, NE Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 196 mortgage applications in Cherry County, NE totaling $18.5 million, down 13% from 2008. The average application was for $94,000, and applicants reported an average income of $67,000. 47% of applications resulted in an originated loan and 29% were denied. The most active lender was Wells Fargo Bank, NA, with 72 applications, followed by Union Bank and Trust Company and Bank of the West.
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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 | 196 |
| Total Mortgage Loan Application Amount | $18,540,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $1,259,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 72 | $ 7,654,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,437,453,000 | 61 | $ 5,211,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 22 | $ 1,569,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 6 | $ 770,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 686,792,000 | 6 | $ 166,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 4 | $ 541,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,316,406,000 | 2 | $ 312,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 47,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 4,294,977,000 | 2 | $ 120,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 432,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 466,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 2 | $ 171,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 740,031,000 | 2 | $ 194,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 91,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 80,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 1 | $ 61,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 1,780,198,000 | 1 | $ 66,000 |
| Sutherland Mortgage Services 5959 CORPORATE DR, SUITE 3000 HOUSTON, TX 77036 |
* | $ 37,000,000 | 1 | $ 87,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 169,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 81,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 87,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 205,409,000 | 1 | $ 104,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 61,000 |
The tables below break down 2009 mortgage applications in Cherry 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 Cherry County, NE in 2009
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 | 118 | $14,164,000 | $120,000 | $1,200,000 | $74,000 | $1,259,000 |
| Home Improvement | 44 | $1,573,000 | $35,000 | $248,000 | $61,000 | $131,000 |
| Home Purchase | 34 | $2,803,000 | $82,000 | $320,000 | $47,000 | $225,000 |
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 | 170 | $16,474,000 | $96,000 | $1,200,000 | $70,000 | $1,259,000 |
| Not Provided | 16 | $1,435,000 | $89,000 | $173,000 | $53,000 | $118,000 |
| Not applicable | 4 | $165,000 | $41,000 | $98,000 | $15,000 | $62,000 |
| American Indian or Alaskan Native | 4 | $246,000 | $61,000 | $120,000 | $35,000 | $85,000 |
| Hispanic | 2 | $220,000 | $110,000 | $171,000 | $50,000 | $65,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 161 | $14,662,000 | $91,000 | $1,200,000 | $71,000 | $1,259,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,283,000 | $117,000 | $259,000 | $51,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 5 | $467,000 | $93,000 | $136,000 | $32,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $128,000 | $64,000 | $64,000 | $38,000 | $38,000 |
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 | 92 | $9,216,000 | $100,000 | $1,200,000 | $74,000 | $1,259,000 |
| Application Denied By Financial Institution | 56 | $4,851,000 | $86,000 | $320,000 | $54,000 | $255,000 |
| Application Withdrawn By Applicant | 29 | $2,665,000 | $91,000 | $223,000 | $65,000 | $267,000 |
| File Closed For Incompleteness | 7 | $645,000 | $92,000 | $169,000 | $59,000 | $83,000 |
| Loan Purchased By The Institution | 7 | $609,000 | $87,000 | $240,000 | $42,000 | $79,000 |
| Application Approved But Not Accepted | 5 | $554,000 | $110,000 | $270,000 | $121,000 | $425,000 |
| 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 | 12 | $1,361,000 | $113,000 | $320,000 | $70,000 | $225,000 |
| Credit History | 9 | $597,000 | $66,000 | $173,000 | $43,000 | $79,000 |
| Debt-To-Income Ratio | 6 | $299,000 | $49,000 | $100,000 | $37,000 | $67,000 |
| Other | 2 | $175,000 | $87,000 | $160,000 | $77,000 | $97,000 |
| Unverifiable Information | 1 | $88,000 | $88,000 | $88,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $86,000 | $86,000 | $86,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $128,000 | $128,000 | $128,000 | $72,000 | $72,000 |
| 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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