Clay County, NE Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 187 mortgage applications in Clay County, NE totaling $16.6 million, up 15% from 2009. The average application was for $88,000, and applicants reported an average income of $65,000. 44% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank, NA, with 37 applications, followed by US Bank, N.A. and Great Western 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 | 187 |
| Total Mortgage Loan Application Amount | $16,597,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $680,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 37 | $ 3,222,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 20 | $ 1,792,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 5,332,471,000 | 14 | $ 940,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 911,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 10 | $ 1,048,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 7 | $ 648,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 7 | $ 417,000 |
| Hastings State Bank 530 NORTH BURLINGTON HASTINGS, NE 68901 |
* | $ 148,840,000 | 7 | $ 623,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,574,801,000 | 6 | $ 335,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 328,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 833,054,000 | 4 | $ 382,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 579,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 3 | $ 399,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 8,806,851,000 | 3 | $ 285,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 3 | $ 34,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 3 | $ 248,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 3 | $ 30,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 3 | $ 256,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 2,538,702,000 | 2 | $ 219,000 |
| Waypoint Bank 747 MERIDIAN AVENUE COZAD, NE 69130 |
* | $ 201,603,000 | 2 | $ 153,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 433,427,000 | 2 | $ 122,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 217,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 63,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 2 | $ 323,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 183,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 136,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 35,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 41,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 1 | $ 31,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,161,361,000,000 | 1 | $ 40,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 754,492,000 | 1 | $ 1,100,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 1 | $ 50,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 74,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 47,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 241,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 73,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 700,768,000 | 1 | $ 22,000 |
| Equitable Bank 113-115 N. LOCUST STREET GRAND ISLAND, NE 68801 |
* | $ 193,258,000 | 1 | $ 121,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 51,000 |
| Mutual of Omaha Bank 3333 FARNAM STREET OMAHA, NE 68131 |
* | $ 4,109,578,000 | 1 | $ 112,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 1,402,014,000 | 1 | $ 91,000 |
The tables below break down 2010 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 2010
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 | $11,658,000 | $98,000 | $1,100,000 | $62,000 | $680,000 |
| Home Purchase | 48 | $4,270,000 | $88,000 | $241,000 | $62,000 | $325,000 |
| Home Improvement | 21 | $669,000 | $31,000 | $162,000 | $90,000 | $636,000 |
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 | 148 | $12,871,000 | $86,000 | $1,100,000 | $70,000 | $680,000 |
| Not Provided | 19 | $2,283,000 | $120,000 | $241,000 | $79,000 | $325,000 |
| Not applicable | 16 | $1,182,000 | $73,000 | $138,000 | $0 | $0 |
| Hispanic | 3 | $210,000 | $70,000 | $92,000 | $49,000 | $80,000 |
| American Indian or Alaskan Native | 1 | $51,000 | $51,000 | $51,000 | $75,000 | $75,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 114 | $10,584,000 | $92,000 | $1,100,000 | $81,000 | $680,000 |
| FHA-insured (Federal Housing Administration) | 51 | $4,434,000 | $86,000 | $241,000 | $46,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 12 | $964,000 | $80,000 | $112,000 | $28,000 | $75,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $615,000 | $61,000 | $116,000 | $18,000 | $59,000 |
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 | 83 | $8,260,000 | $99,000 | $1,100,000 | $87,000 | $680,000 |
| Application Denied By Financial Institution | 45 | $3,258,000 | $72,000 | $183,000 | $53,000 | $175,000 |
| Loan Purchased By The Institution | 28 | $2,332,000 | $83,000 | $182,000 | $25,000 | $180,000 |
| Application Withdrawn By Applicant | 18 | $1,594,000 | $88,000 | $314,000 | $52,000 | $126,000 |
| Application Approved But Not Accepted | 9 | $699,000 | $77,000 | $172,000 | $67,000 | $137,000 |
| File Closed For Incompleteness | 4 | $454,000 | $113,000 | $241,000 | $72,000 | $122,000 |
| 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 | 9 | $726,000 | $80,000 | $120,000 | $55,000 | $130,000 |
| Credit History | 8 | $250,000 | $31,000 | $86,000 | $37,000 | $75,000 |
| Debt-To-Income Ratio | 7 | $564,000 | $80,000 | $166,000 | $56,000 | $118,000 |
| Credit Application Incomplete | 6 | $600,000 | $100,000 | $183,000 | $95,000 | $175,000 |
| Other | 2 | $134,000 | $67,000 | $118,000 | $119,000 | $140,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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