Clay County, NE Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 202 mortgage applications in Clay County, NE totaling $14.5 million, down 34% from 2007. The average application was for $71,000, and applicants reported an average income of $52,000. 34% of applications resulted in an originated loan and 33% were denied. The most active lender was US Bank, N.A., with 20 applications, followed by Wells Fargo Bank, NA and Tierone 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 | 202 |
| Total Mortgage Loan Application Amount | $14,523,000 |
| Average Mortgage Loan Application Amount | $71,000 |
| Highest Mortgage Loan Application Amount | $309,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $545,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 20 | $ 1,284,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 18 | $ 1,115,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,535,843,000 | 17 | $ 1,613,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 14 | $ 1,050,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 12 | $ 821,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 9 | $ 300,000 |
| Hastings State Bank 530 NORTH BURLINGTON HASTINGS, NE 68901 |
* | $ 173,139,000 | 9 | $ 494,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 777,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 557,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 863,991,000 | 8 | $ 785,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 7 | $ 554,000 |
| Waypoint Bank 747 MERIDIAN AVENUE COZAD, NE 69130 |
* | $ 194,175,000 | 7 | $ 550,000 |
| Wells Fargo Fin'l Nebraska,Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 6 | $ 351,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 1,671,381,000 | 4 | $ 312,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 199,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 2,138,101,000 | 3 | $ 168,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 3 | $ 361,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 3 | $ 171,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 3 | $ 290,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 2 | $ 97,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 169,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 2 | $ 32,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 300,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 2 | $ 182,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 115,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 298,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 90,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 2 | $ 23,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 76,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 60,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 86,000 |
| University of Nebraska 1720 P STREET LINCOLN, NE 68508 |
* | $ 54,537,000 | 1 | $ 15,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 11,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Wells Fargo Finl Wisconsin Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 25,000 |
| Mutual of Omaha Bank 3333 FARNAM STREET OMAHA, NE 68131 |
* | $ 703,727,000 | 1 | $ 15,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 152,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 62,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 61,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 1 | $ 23,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 9,249,836,000 | 1 | $ 51,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 1 | $ 130,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 58,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 1 | $ 15,000 |
The tables below break down 2008 mortgage applications in Clay 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 Clay County, NE in 2008
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 | 109 | $9,656,000 | $88,000 | $309,000 | $62,000 | $545,000 |
| Home Purchase | 56 | $3,586,000 | $64,000 | $175,000 | $34,000 | $114,000 |
| Home Improvement | 37 | $1,281,000 | $34,000 | $160,000 | $51,000 | $199,000 |
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 | 158 | $11,959,000 | $75,000 | $309,000 | $60,000 | $545,000 |
| Not applicable | 21 | $1,239,000 | $59,000 | $152,000 | $10,000 | $97,000 |
| Not Provided | 17 | $1,062,000 | $62,000 | $154,000 | $41,000 | $79,000 |
| Hispanic | 5 | $237,000 | $47,000 | $118,000 | $36,000 | $50,000 |
| Black or African American | 1 | $26,000 | $26,000 | $26,000 | $30,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 160 | $10,921,000 | $68,000 | $309,000 | $57,000 | $545,000 |
| FHA-insured (Federal Housing Administration) | 31 | $2,850,000 | $91,000 | $160,000 | $40,000 | $92,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $451,000 | $75,000 | $175,000 | $11,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 5 | $301,000 | $60,000 | $102,000 | $23,000 | $42,000 |
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 | 69 | $5,563,000 | $80,000 | $247,000 | $67,000 | $545,000 |
| Application Denied By Financial Institution | 67 | $4,343,000 | $64,000 | $309,000 | $45,000 | $123,000 |
| Loan Purchased By The Institution | 33 | $2,548,000 | $77,000 | $257,000 | $30,000 | $142,000 |
| Application Withdrawn By Applicant | 16 | $1,115,000 | $69,000 | $185,000 | $57,000 | $130,000 |
| File Closed For Incompleteness | 9 | $423,000 | $47,000 | $88,000 | $58,000 | $199,000 |
| Application Approved But Not Accepted | 8 | $531,000 | $66,000 | $137,000 | $53,000 | $123,000 |
| 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 | 17 | $489,000 | $28,000 | $67,000 | $35,000 | $101,000 |
| Collateral | 11 | $723,000 | $65,000 | $160,000 | $61,000 | $123,000 |
| Other | 5 | $362,000 | $72,000 | $152,000 | $43,000 | $98,000 |
| Debt-To-Income Ratio | 4 | $413,000 | $103,000 | $309,000 | $40,000 | $61,000 |
| Credit Application Incomplete | 2 | $143,000 | $71,000 | $74,000 | $65,000 | $79,000 |
| Unverifiable Information | 1 | $73,000 | $73,000 | $73,000 | $51,000 | $51,000 |
| 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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