Frontier County, NE Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 69 mortgage applications in Frontier County, NE totaling $4.6 million, up 15% from 2008. The average application was for $66,000, and applicants reported an average income of $64,000. 64% of applications resulted in an originated loan and 20% were denied. The most active lender was Waypoint Bank, with 17 applications, followed by Wells Fargo Bank, NA and Citifinancial, Inc..
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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 | 69 |
| Total Mortgage Loan Application Amount | $4,564,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $174,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $610,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Waypoint Bank 747 MERIDIAN AVENUE COZAD, NE 69130 |
* | $ 201,435,000 | 17 | $ 796,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 10 | $ 758,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 290,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 4 | $ 358,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 189,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 3 | $ 343,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 686,792,000 | 3 | $ 70,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,316,406,000 | 3 | $ 288,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 245,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 480,763,000 | 2 | $ 251,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 901,102,000 | 2 | $ 122,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 9,901,044,000 | 2 | $ 105,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 2 | $ 138,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 121,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 88,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 74,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 1 | $ 29,000 |
| Amfirst Bank PO BOX 1447 MCCOOK, NE 69001 |
* | $ 250,895,000 | 1 | $ 5,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 1 | $ 74,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 25,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 382,875,000 | 1 | $ 27,000 |
| University of Nebraska 1720 P STREET LINCOLN, NE 68508 |
* | $ 58,270,000 | 1 | $ 23,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 205,409,000 | 1 | $ 40,000 |
The tables below break down 2009 mortgage applications in Frontier 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 Frontier County, NE in 2009
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 | 37 | $3,043,000 | $82,000 | $174,000 | $81,000 | $610,000 |
| Home Purchase | 17 | $1,335,000 | $78,000 | $140,000 | $45,000 | $102,000 |
| Home Improvement | 15 | $186,000 | $12,000 | $47,000 | $42,000 | $150,000 |
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 | 61 | $4,027,000 | $66,000 | $174,000 | $65,000 | $610,000 |
| Not Provided | 6 | $367,000 | $61,000 | $104,000 | $58,000 | $106,000 |
| Not applicable | 1 | $74,000 | $74,000 | $74,000 | $0 | $0 |
| Hispanic | 1 | $96,000 | $96,000 | $96,000 | $52,000 | $52,000 |
| 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 |
| Black or African American | 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) | 55 | $3,612,000 | $65,000 | $174,000 | $67,000 | $610,000 |
| FHA-insured (Federal Housing Administration) | 10 | $656,000 | $65,000 | $82,000 | $49,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 3 | $207,000 | $69,000 | $69,000 | $50,000 | $52,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $89,000 | $89,000 | $89,000 | $41,000 | $41,000 |
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 | 44 | $2,642,000 | $60,000 | $174,000 | $64,000 | $610,000 |
| Application Denied By Financial Institution | 14 | $1,088,000 | $77,000 | $171,000 | $51,000 | $95,000 |
| Application Approved But Not Accepted | 3 | $251,000 | $83,000 | $116,000 | $140,000 | $314,000 |
| File Closed For Incompleteness | 3 | $214,000 | $71,000 | $93,000 | $80,000 | $130,000 |
| Loan Purchased By The Institution | 3 | $223,000 | $74,000 | $75,000 | $20,000 | $35,000 |
| Application Withdrawn By Applicant | 2 | $146,000 | $73,000 | $88,000 | $73,000 | $79,000 |
| 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 | 2 | $105,000 | $52,000 | $58,000 | $69,000 | $72,000 |
| Credit Application Incomplete | 1 | $69,000 | $69,000 | $69,000 | $48,000 | $48,000 |
| Credit History | 1 | $96,000 | $96,000 | $96,000 | $52,000 | $52,000 |
| Debt-To-Income Ratio | 1 | $104,000 | $104,000 | $104,000 | $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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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