Fillmore County, NE Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 139 mortgage applications in Fillmore County, NE totaling $11.8 million, up 18% from 2014. The average application was for $84,000, and applicants reported an average income of $57,000. 63% of applications resulted in an originated loan and 22% were denied. The most active lender was Cornerstone Bank, with 50 applications, followed by West Gate Bank and First Bank of Utica.
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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 | 139 |
| Total Mortgage Loan Application Amount | $11,761,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $995,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $461,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,394,500,000 | 50 | $ 2,786,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 397,763,000 | 27 | $ 3,183,000 |
| First Bank of Utica 785 D STREET UTICA, NE 68456 |
* | $ 62,878,000 | 10 | $ 330,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 4 | $ 377,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 4 | $ 421,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 3 | $ 127,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 162,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 543,829,000 | 2 | $ 50,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 424,173,000 | 2 | $ 424,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 139,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,037,913,000 | 2 | $ 233,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 890,389,000 | 2 | $ 258,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 322,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 587,275,000 | 2 | $ 520,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 2 | $ 86,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 233,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,508,574,000 | 1 | $ 39,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,636,848,000 | 1 | $ 128,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 1 | $ 19,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 8,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 62,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 100,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 891,075,000 | 1 | $ 50,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,040,462,000 | 1 | $ 344,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 421,354,000 | 1 | $ 78,000 |
| Firstbank of Nebraska 201 E 5TH ST WAHOO, NE 68066 |
* | $ 216,522,000 | 1 | $ 144,000 |
| Cornhusker Bank 8310 O STREET LINCOLN, NE 68510 |
* | $ 450,768,000 | 1 | $ 213,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 967,592,000 | 1 | $ 37,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 4,056,408,000 | 1 | $ 175,000 |
The tables below break down 2015 mortgage applications in Fillmore 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 Fillmore County, NE in 2015
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 | 74 | $6,374,000 | $86,000 | $340,000 | $54,000 | $245,000 |
| Refinancing | 39 | $4,672,000 | $119,000 | $995,000 | $64,000 | $461,000 |
| Home Improvement | 26 | $715,000 | $27,000 | $121,000 | $53,000 | $142,000 |
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 | 125 | $9,270,000 | $74,000 | $478,000 | $60,000 | $461,000 |
| Not applicable | 7 | $1,649,000 | $235,000 | $995,000 | $0 | $0 |
| Not Provided | 7 | $842,000 | $120,000 | $178,000 | $47,000 | $120,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 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) | 100 | $8,208,000 | $82,000 | $995,000 | $64,000 | $461,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,068,000 | $76,000 | $150,000 | $29,000 | $82,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,170,000 | $90,000 | $140,000 | $48,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,315,000 | $109,000 | $221,000 | $33,000 | $67,000 |
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 | 88 | $8,237,000 | $93,000 | $995,000 | $68,000 | $461,000 |
| Application Denied By Financial Institution | 30 | $1,869,000 | $62,000 | $212,000 | $40,000 | $151,000 |
| Loan Purchased By The Institution | 10 | $1,183,000 | $118,000 | $221,000 | $21,000 | $70,000 |
| Application Approved But Not Accepted | 5 | $208,000 | $41,000 | $78,000 | $37,000 | $69,000 |
| Application Withdrawn By Applicant | 4 | $119,000 | $29,000 | $59,000 | $41,000 | $68,000 |
| File Closed For Incompleteness | 2 | $145,000 | $72,000 | $100,000 | $56,000 | $100,000 |
| 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 Application Incomplete | 2 | $212,000 | $106,000 | $178,000 | $10,000 | $20,000 |
| Other | 2 | $89,000 | $44,000 | $49,000 | $82,000 | $142,000 |
| Unverifiable Information | 1 | $48,000 | $48,000 | $48,000 | $46,000 | $46,000 |
| Debt-To-Income Ratio | 1 | $36,000 | $36,000 | $36,000 | $35,000 | $35,000 |
| Collateral | 1 | $119,000 | $119,000 | $119,000 | $33,000 | $33,000 |
| 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 |
| Credit 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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