Custer County, NE Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 181 mortgage applications in Custer County, NE totaling $19.6 million, down 6% from 2011. The average application was for $108,000, and applicants reported an average income of $75,000. 56% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 28 applications, followed by Great Western Bank and Dundee Bank.

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Total Number of Mortgage Applications 181
Total Mortgage Loan Application Amount $19,555,000
Average Mortgage Loan Application Amount $108,000
Highest Mortgage Loan Application Amount $756,000
Average Applicant Income $75,000
Highest Applicant Income $1,058,000

Mortgage Company List for Lending in Custer County, NE for 2012

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 28 $ 2,273,000
Great Western Bank
35 1ST AVE NE
WATERTOWN, SD 57201
* $ 8,458,002,000 21 $ 2,210,000
Dundee Bank
5015 UNDERWOOD AVE
OMAHA, NE 68132
* $ 112,198,000 13 $ 2,321,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 12 $ 876,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 8 $ 552,000
Mutual of Omaha Bank
3333 FARNAM ST
OMAHA, NE 68131
* $ 5,553,220,000 7 $ 849,000
Union Bank and Trust Company
PO BOX 82535
LINCOLN, NE 68501
* $ 2,481,611,000 6 $ 203,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 13,433,098,000 6 $ 679,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 317,191,000 6 $ 1,046,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 5 $ 322,000
Dundee Mortgage LLC
5015 UNDERWOOD AVENUE
OMAHA, NE 68132
* $ 112,198,000 5 $ 465,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 62,408,304,000 4 $ 238,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 4 $ 415,000
Farm Credit Services of America, Flca
5015 S 118TH ST
OMAHA, NE 68137
* $ 10,000,000 3 $ 1,806,000
Centris Federal Credit Union
11825 Q STREET
OMAHA, NE 68144
* $ 459,012,000 3 $ 202,000
Equitable Bank
PO BOX 160
GRAND ISLAND, NE 68802
* $ 168,220,000 3 $ 416,000
Five Points Bank
PO BOX 1507
GRAND ISLAND, NE 68802
* $ 693,969,000 3 $ 339,000
Adams Bank & Trust
PO BOX 720
OGALLALA, NE 69153
* $ 550,175,000 2 $ 221,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ 3,171,239,000 2 $ 163,000
Dayspring Bank
914 LAKE AVENUE
GOTHENBURG, NE 69138
* $ 290,722,000 2 $ 114,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 325,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 2 $ 108,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 2 $ 141,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 200,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 172,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 12,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 145,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 1 $ 67,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 35,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 79,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 1 $ 24,000
First Dakota National Bak
225 CEDAR ST
YANKTON, SD 57078
* $ 846,417,000 1 $ 450,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 889,265,000 1 $ 103,000
American National Bank
8990 WEST DODGE RD
OMAHA, NE 68114
* $ 1,928,109,000 1 $ 5,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 200,000
First Mortgage Company, L.L.C.
6701 NORTH BROADWAY, SUITE 400
OKLAHOMA CITY, OK 73116
* $ 28,000,000 1 $ 76,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 69,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 125,000
Firstier Bank
115 S WALNUT STREET, PO BOX 730
KIMBALL, NE 69145
* $ 241,022,000 1 $ 25,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 84,000
First Nebraska Bank
330 N. SPRUCE STREET, PO BOX 315
VALLEY, NE 68064
* $ 178,145,000 1 $ 50,000
Waypoint Bank
747 MERIDIAN AVENUE
COZAD, NE 69130
* $ 221,378,000 1 $ 235,000
Security First Bank
5505 RED ROCK LANE
LINCOLN, NE 68516
* $ 830,520,000 1 $ 142,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 1 $ 21,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 546,918,000 1 $ 210,000
Auto Club Trust, FSB
1 AUTO CLUB DRIVE
DEARBORN, MI 48126
* $ 70,766,000 1 $ 49,000

The tables below break down 2012 mortgage applications in Custer 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 Custer County, NE in 2012

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 111 $12,939,000 $116,000 $756,000 $75,000 $896,000
Home Purchase 59 $6,313,000 $107,000 $702,000 $80,000 $1,058,000
Home Improvement 11 $303,000 $27,000 $52,000 $49,000 $107,000

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 147 $16,842,000 $114,000 $756,000 $82,000 $1,058,000
Not Provided 18 $1,792,000 $99,000 $240,000 $75,000 $300,000
Not applicable 13 $783,000 $60,000 $200,000 $2,000 $31,000
Hispanic 2 $105,000 $52,000 $88,000 $63,000 $81,000
Asian 1 $33,000 $33,000 $33,000 $67,000 $67,000
Black or African American 0 $0 $0 $0 $0 $0
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 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) 125 $14,911,000 $119,000 $756,000 $92,000 $1,058,000
FHA-insured (Federal Housing Administration) 36 $2,741,000 $76,000 $223,000 $38,000 $118,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,073,000 $97,000 $450,000 $33,000 $115,000
VA-guaranteed (Veterans Administration) 9 $830,000 $92,000 $154,000 $45,000 $89,000

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 101 $11,916,000 $117,000 $702,000 $98,000 $1,058,000
Application Denied By Financial Institution 29 $3,963,000 $136,000 $756,000 $68,000 $300,000
Application Withdrawn By Applicant 20 $1,444,000 $72,000 $240,000 $49,000 $116,000
Loan Purchased By The Institution 20 $1,532,000 $76,000 $223,000 $14,000 $73,000
Application Approved But Not Accepted 7 $357,000 $51,000 $115,000 $44,000 $73,000
File Closed For Incompleteness 4 $343,000 $85,000 $145,000 $38,000 $60,000
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 9 $865,000 $96,000 $450,000 $68,000 $115,000
Collateral 5 $603,000 $120,000 $240,000 $100,000 $300,000
Debt-To-Income Ratio 2 $135,000 $67,000 $68,000 $58,000 $63,000
Insufficient Cash (Downpayment, Closing Cost) 2 $103,000 $51,000 $56,000 $0 $0
Unverifiable Information 2 $95,000 $47,000 $65,000 $48,000 $74,000
Other 1 $47,000 $47,000 $47,000 $55,000 $55,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Credit Application Incomplete 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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