Cherry County, NE Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 138 mortgage applications in Cherry County, NE totaling $23.1 million, down 13% from 2015. The average application was for $167,000, and applicants reported an average income of $87,000. 64% of applications resulted in an originated loan and 20% were denied. The most active lender was Union Bank and Trust Company, with 35 applications, followed by Security First Bank and Wells Fargo Bank NA.
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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 | 138 |
| Total Mortgage Loan Application Amount | $23,092,000 |
| Average Mortgage Loan Application Amount | $167,000 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $1,554,000 |
| 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 |
* | $ 3,351,909,000 | 35 | $ 6,318,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 891,231,000 | 26 | $ 7,271,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 17 | $ 2,564,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 75,743,098,000 | 10 | $ 1,402,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,302,336,000 | 8 | $ 711,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 686,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 4 | $ 202,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 297,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 164,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,622,999,000 | 1 | $ 25,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 1 | $ 19,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 119,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 54,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 76,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 181,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 133,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 915,092,000 | 1 | $ 30,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 119,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 1 | $ 25,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 1 | $ 108,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 50,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 119,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 448,126,000 | 1 | $ 178,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 1 | $ 254,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 128,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Catalyst Lending, Inc. 6530 S YOSEMITE STREET, SUITE 310 GREENWOOD VILLAGE, CO 80111 |
* | $ 410,214,000 | 1 | $ 221,000 |
The tables below break down 2016 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 2016
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 | 58 | $7,075,000 | $121,000 | $345,000 | $68,000 | $327,000 |
| Refinancing | 53 | $14,770,000 | $278,000 | $3,500,000 | $123,000 | $1,554,000 |
| Home Improvement | 27 | $1,247,000 | $46,000 | $258,000 | $60,000 | $190,000 |
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 | 115 | $19,855,000 | $172,000 | $3,500,000 | $98,000 | $1,554,000 |
| Not Provided | 10 | $1,026,000 | $102,000 | $181,000 | $59,000 | $156,000 |
| Not applicable | 9 | $1,950,000 | $216,000 | $1,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $261,000 | $65,000 | $121,000 | $61,000 | $112,000 |
| 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 Hawaiin 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) | 110 | $19,943,000 | $181,000 | $3,500,000 | $100,000 | $1,554,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,578,000 | $112,000 | $221,000 | $40,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $838,000 | $83,000 | $119,000 | $33,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 4 | $733,000 | $183,000 | $350,000 | $49,000 | $75,000 |
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 | 89 | $17,909,000 | $201,000 | $3,500,000 | $104,000 | $1,554,000 |
| Application Denied By Financial Institution | 27 | $2,848,000 | $105,000 | $350,000 | $63,000 | $190,000 |
| Loan Purchased By The Institution | 8 | $850,000 | $106,000 | $221,000 | $15,000 | $53,000 |
| Application Withdrawn By Applicant | 7 | $571,000 | $81,000 | $143,000 | $61,000 | $110,000 |
| Application Approved But Not Accepted | 6 | $889,000 | $148,000 | $365,000 | $84,000 | $164,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $31,000 | $31,000 |
| 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 | 5 | $182,000 | $36,000 | $104,000 | $91,000 | $190,000 |
| Debt-To-Income Ratio | 3 | $351,000 | $117,000 | $238,000 | $24,000 | $45,000 |
| Collateral | 3 | $369,000 | $123,000 | $169,000 | $50,000 | $69,000 |
| Unverifiable Information | 2 | $229,000 | $114,000 | $175,000 | $35,000 | $71,000 |
| Other | 1 | $82,000 | $82,000 | $82,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $107,000 | $107,000 | $107,000 | $66,000 | $66,000 |
| 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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