Franklin County, NE Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 38 mortgage applications in Franklin County, NE totaling $2.6 million, down 5% from 2011. The average application was for $68,000, and applicants reported an average income of $69,000. 47% of applications resulted in an originated loan and 18% were denied. The most active lender was Wells Fargo Bank NA, with 6 applications, followed by US Bank, N.A. and JPMorgan Chase Bank, NA.
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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 | 38 |
| Total Mortgage Loan Application Amount | $2,607,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $269,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $200,000 |
| 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 | 6 | $ 446,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 6 | $ 369,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 2 | $ 133,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 2 | $ 33,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 331,945,000 | 2 | $ 169,000 |
| Iowa - Nebraska State Bank 2021 DAKOTA AVENUE SOUTH SIOUX CITY, NE 68776 |
* | $ 194,783,000 | 2 | $ 245,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,458,002,000 | 2 | $ 181,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 317,191,000 | 2 | $ 151,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 269,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 6,000 |
| Firstier Bank 115 S WALNUT STREET, PO BOX 730 KIMBALL, NE 69145 |
* | $ 241,022,000 | 1 | $ 5,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 1 | $ 146,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,481,611,000 | 1 | $ 3,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 168,220,000 | 1 | $ 4,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 1 | $ 15,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 1 | $ 40,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 1 | $ 58,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 93,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 10,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 52,000 |
The tables below break down 2012 mortgage applications in Franklin 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 Franklin 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 | 18 | $1,557,000 | $86,000 | $269,000 | $78,000 | $200,000 |
| Home Purchase | 12 | $877,000 | $73,000 | $94,000 | $65,000 | $133,000 |
| Home Improvement | 8 | $173,000 | $21,000 | $80,000 | $55,000 | $103,000 |
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 | 31 | $2,122,000 | $68,000 | $195,000 | $66,000 | $130,000 |
| Not Provided | 6 | $455,000 | $75,000 | $269,000 | $96,000 | $200,000 |
| Not applicable | 1 | $30,000 | $30,000 | $30,000 | $0 | $0 |
| 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) | 26 | $1,831,000 | $70,000 | $269,000 | $78,000 | $200,000 |
| FHA-insured (Federal Housing Administration) | 7 | $380,000 | $54,000 | $93,000 | $49,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $214,000 | $71,000 | $92,000 | $44,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 2 | $182,000 | $91,000 | $93,000 | $57,000 | $71,000 |
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 | 18 | $1,381,000 | $76,000 | $195,000 | $80,000 | $133,000 |
| Application Denied By Financial Institution | 7 | $199,000 | $28,000 | $90,000 | $36,000 | $54,000 |
| Application Approved But Not Accepted | 4 | $226,000 | $56,000 | $135,000 | $84,000 | $129,000 |
| Loan Purchased By The Institution | 4 | $289,000 | $72,000 | $93,000 | $47,000 | $86,000 |
| Application Withdrawn By Applicant | 3 | $425,000 | $141,000 | $269,000 | $111,000 | $200,000 |
| File Closed For Incompleteness | 2 | $87,000 | $43,000 | $69,000 | $38,000 | $44,000 |
| 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 | 2 | $44,000 | $22,000 | $40,000 | $32,000 | $44,000 |
| Debt-To-Income Ratio | 2 | $11,000 | $5,000 | $6,000 | $43,000 | $54,000 |
| Employment History | 1 | $90,000 | $90,000 | $90,000 | $38,000 | $38,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $19,000 | $19,000 |
| Unverifiable Information | 1 | $39,000 | $39,000 | $39,000 | $45,000 | $45,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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