In 2009, lenders reported 449 mortgage applications in Cheyenne County, NE totaling $48.4 million, down 6% from 2008. The average application was for $107,000, and applicants reported an average income of $67,000. 50% of applications resulted in an originated loan and 18% were denied. The most active lender was Wells Fargo Bank, NA, with 80 applications, followed by First National Bank and Embrace Home Loans, Inc..
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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 | 449 |
| Total Mortgage Loan Application Amount | $48,442,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $904,000 |
| 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 | 80 | $ 11,628,000 |
| First National Bank P O BOX 730 TORRINGTON, WY 82240 |
* | $ 290,664,000 | 48 | $ 2,472,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 34 | $ 3,469,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,316,406,000 | 26 | $ 2,540,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 686,792,000 | 23 | $ 1,563,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 19 | $ 2,323,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 16 | $ 2,130,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 15 | $ 1,615,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 14 | $ 831,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 13 | $ 1,161,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 12 | $ 1,318,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 9 | $ 1,073,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 9 | $ 1,031,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 8 | $ 824,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 480,763,000 | 8 | $ 535,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 6 | $ 444,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 438,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 6 | $ 643,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 571,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 5 | $ 733,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 9,901,044,000 | 5 | $ 813,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 5 | $ 903,000 |
| Mutual of Omaha Bank 3333 FARNAM STREET OMAHA, NE 68131 |
* | $ 3,571,304,000 | 4 | $ 497,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 4 | $ 579,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 465,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 3 | $ 246,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 3 | $ 174,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 3 | $ 246,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 3 | $ 528,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 3 | $ 237,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 21,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 2 | $ 40,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 2,568,044,000 | 2 | $ 410,000 |
| Equitable Savings & Loan Assoc PO BOX 1726 STERLING, CO 80751 |
* | $ 183,743,000 | 2 | $ 262,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 177,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 2 | $ 412,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 226,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 195,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 217,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 233,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 54,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 427,899,000 | 1 | $ 141,000 |
| Dundee Bank 5015 UNDERWOOD AVE OMAHA, NE 68132 |
* | $ 58,288,000 | 1 | $ 168,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,437,453,000 | 1 | $ 130,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 179,215,000 | 1 | $ 117,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 174,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 83,000 |
| Westerra Credit Union 3700 E ALAMEDA AVE DENVER, CO 80209 |
* | $ 914,776,000 | 1 | $ 94,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 1 | $ 131,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 18,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 59,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 1 | $ 92,000 |
| Homeservices Lending, LLC A 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 90,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 56,000 |
The tables below break down 2009 mortgage applications in Cheyenne County, NE by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 301 | $34,312,000 | $113,000 | $417,000 | $69,000 | $904,000 |
| Home Purchase | 127 | $13,545,000 | $106,000 | $361,000 | $64,000 | $378,000 |
| Home Improvement | 21 | $585,000 | $27,000 | $150,000 | $57,000 | $132,000 |
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 | 369 | $40,360,000 | $109,000 | $417,000 | $71,000 | $904,000 |
| Not applicable | 40 | $2,900,000 | $72,000 | $194,000 | $22,000 | $124,000 |
| Not Provided | 29 | $4,131,000 | $142,000 | $360,000 | $82,000 | $197,000 |
| Hispanic | 7 | $464,000 | $66,000 | $220,000 | $59,000 | $153,000 |
| Asian | 3 | $528,000 | $176,000 | $222,000 | $91,000 | $93,000 |
| American Indian or Alaskan Native | 1 | $59,000 | $59,000 | $59,000 | $20,000 | $20,000 |
| Black or African American | 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) | 299 | $33,134,000 | $110,000 | $417,000 | $77,000 | $904,000 |
| FHA-insured (Federal Housing Administration) | 119 | $12,615,000 | $106,000 | $271,000 | $53,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,109,000 | $65,000 | $109,000 | $17,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,584,000 | $113,000 | $204,000 | $42,000 | $88,000 |
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 | 226 | $23,969,000 | $106,000 | $417,000 | $69,000 | $904,000 |
| Application Denied By Financial Institution | 81 | $9,623,000 | $118,000 | $360,000 | $76,000 | $378,000 |
| Loan Purchased By The Institution | 64 | $5,922,000 | $92,000 | $361,000 | $41,000 | $215,000 |
| Application Withdrawn By Applicant | 52 | $5,626,000 | $108,000 | $335,000 | $73,000 | $297,000 |
| Application Approved But Not Accepted | 15 | $1,744,000 | $116,000 | $234,000 | $62,000 | $164,000 |
| File Closed For Incompleteness | 11 | $1,558,000 | $141,000 | $271,000 | $90,000 | $170,000 |
| 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 | 19 | $1,802,000 | $94,000 | $250,000 | $71,000 | $225,000 |
| Collateral | 16 | $2,601,000 | $162,000 | $360,000 | $95,000 | $185,000 |
| Debt-To-Income Ratio | 7 | $643,000 | $91,000 | $224,000 | $24,000 | $73,000 |
| Credit Application Incomplete | 3 | $401,000 | $133,000 | $197,000 | $102,000 | $131,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $485,000 | $242,000 | $324,000 | $107,000 | $215,000 |
| Other | 2 | $110,000 | $55,000 | $62,000 | $150,000 | $263,000 |
| Unverifiable Information | 2 | $283,000 | $141,000 | $186,000 | $111,000 | $158,000 |
| Mortgage Insurance Denied | 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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