Cherry County, NE Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 207 mortgage applications in Cherry County, NE totaling $17.6 million, up 5% from 2012. The average application was for $85,000, and applicants reported an average income of $68,000. 56% of applications resulted in an originated loan and 19% were denied. The most active lender was Union Bank and Trust Company, with 64 applications, followed by Wells Fargo Bank NA and Security First 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 | 207 |
| Total Mortgage Loan Application Amount | $17,617,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,329,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,667,944,000 | 64 | $ 3,974,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 33 | $ 2,475,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 881,054,000 | 27 | $ 3,417,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 63,343,359,000 | 17 | $ 896,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 12 | $ 1,128,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 898,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 3,757,956,000 | 8 | $ 563,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 805,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 3 | $ 275,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 2 | $ 158,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 2 | $ 156,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 2 | $ 292,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 92,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 38,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 112,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 179,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 457,412,000 | 1 | $ 400,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 646,232,000 | 1 | $ 19,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 354,250,000 | 1 | $ 80,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 63,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 570,099,000 | 1 | $ 92,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 138,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 7,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 946,494,000 | 1 | $ 11,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 589,329,000 | 1 | $ 75,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 1 | $ 229,000 |
| Washington County Bank PO BOX 248 BLAIR, NE 68008 |
* | $ 313,835,000 | 1 | $ 20,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 27,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 47,738,052,000 | 1 | $ 58,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 77,000 |
The tables below break down 2013 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 2013
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 | 110 | $11,416,000 | $103,000 | $850,000 | $64,000 | $552,000 |
| Home Purchase | 54 | $4,860,000 | $90,000 | $245,000 | $88,000 | $1,329,000 |
| Home Improvement | 43 | $1,341,000 | $31,000 | $189,000 | $55,000 | $278,000 |
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 | 165 | $13,779,000 | $83,000 | $850,000 | $71,000 | $1,329,000 |
| Not Provided | 17 | $1,423,000 | $83,000 | $175,000 | $73,000 | $544,000 |
| Not applicable | 15 | $1,760,000 | $117,000 | $229,000 | $7,000 | $56,000 |
| American Indian or Alaskan Native | 4 | $291,000 | $72,000 | $214,000 | $79,000 | $178,000 |
| Asian | 2 | $103,000 | $51,000 | $56,000 | $62,000 | $73,000 |
| Black or African American | 2 | $86,000 | $43,000 | $83,000 | $26,000 | $30,000 |
| Hispanic | 2 | $175,000 | $87,000 | $146,000 | $257,000 | $476,000 |
| 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) | 167 | $13,025,000 | $77,000 | $756,000 | $73,000 | $1,329,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,464,000 | $77,000 | $179,000 | $39,000 | $133,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,600,000 | $145,000 | $363,000 | $29,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,528,000 | $152,000 | $850,000 | $83,000 | $552,000 |
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 | 115 | $10,377,000 | $90,000 | $850,000 | $88,000 | $1,329,000 |
| Application Denied By Financial Institution | 40 | $2,774,000 | $69,000 | $245,000 | $43,000 | $178,000 |
| Loan Purchased By The Institution | 28 | $2,945,000 | $105,000 | $229,000 | $26,000 | $100,000 |
| Application Approved But Not Accepted | 11 | $621,000 | $56,000 | $112,000 | $71,000 | $142,000 |
| Application Withdrawn By Applicant | 10 | $614,000 | $61,000 | $138,000 | $61,000 | $133,000 |
| File Closed For Incompleteness | 3 | $286,000 | $95,000 | $104,000 | $60,000 | $113,000 |
| 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 | 6 | $116,000 | $19,000 | $56,000 | $45,000 | $90,000 |
| Debt-To-Income Ratio | 6 | $750,000 | $125,000 | $245,000 | $26,000 | $38,000 |
| Credit Application Incomplete | 4 | $523,000 | $130,000 | $175,000 | $89,000 | $130,000 |
| Collateral | 3 | $402,000 | $134,000 | $214,000 | $87,000 | $178,000 |
| Other | 1 | $51,000 | $51,000 | $51,000 | $18,000 | $18,000 |
| Unverifiable Information | 1 | $49,000 | $49,000 | $49,000 | $50,000 | $50,000 |
| Employment History | 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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