Frontier County, NE Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 60 mortgage applications in Frontier County, NE totaling $4.0 million, down 23% from 2007. The average application was for $65,000, and applicants reported an average income of $62,000. 67% of applications resulted in an originated loan and 17% were denied. The most active lender was Waypoint Bank, with 11 applications, followed by Wells Fargo Bank, NA and Tierone 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 | 60 |
| Total Mortgage Loan Application Amount | $3,956,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $280,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $236,000 |
Top Mortgage Lenders in Frontier County, NE (2008)
Ranked by the number of mortgage applications each lender reported in Frontier County, NE in 2008.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Waypoint Bank Cozad, NE |
11 | $401,000 | $36,000 | $37,000 |
| 2 | Wells Fargo Bank, NA Des Moines, IA |
8 | $629,000 | $78,000 | $96,000 |
| 3 | Tierone Bank Lincoln, NE |
5 | $295,000 | $59,000 | $73,000 |
| 4 | Adams Bank & Trust Ogallala, NE |
4 | $435,000 | $108,000 | $52,000 |
| 5 | Citifinancial, Inc. Baltimore, MD |
3 | $202,000 | $67,000 | $53,000 |
| 6 | Bank of the West Monterey Park, CA |
3 | $168,000 | $56,000 | $84,000 |
| 7 | Countrywide Bank FSB Westlake Village, CA |
3 | $251,000 | $83,000 | $77,000 |
| 8 | Nationstar Mortgage Coppell, TX |
3 | $266,000 | $88,000 | $44,000 |
| 9 | Farm Credit Services of America, Flca Omaha, NE |
2 | $263,000 | $131,000 | $79,000 |
| 10 | Security First Bank Lincoln, NE |
2 | $139,000 | $69,000 | $134,000 |
The tables below break down 2008 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 2008
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 | 26 | $1,850,000 | $71,000 | $175,000 | $64,000 | $236,000 |
| Home Purchase | 21 | $1,432,000 | $68,000 | $191,000 | $57,000 | $101,000 |
| Home Improvement | 13 | $674,000 | $51,000 | $280,000 | $64,000 | $111,000 |
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 | 55 | $3,723,000 | $67,000 | $280,000 | $64,000 | $236,000 |
| Not applicable | 2 | $94,000 | $47,000 | $50,000 | $0 | $0 |
| Not Provided | 2 | $102,000 | $51,000 | $92,000 | $84,000 | $98,000 |
| Hispanic | 1 | $37,000 | $37,000 | $37,000 | $34,000 | $34,000 |
| 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) | 50 | $3,301,000 | $66,000 | $280,000 | $64,000 | $236,000 |
| FHA-insured (Federal Housing Administration) | 5 | $385,000 | $77,000 | $114,000 | $71,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $213,000 | $53,000 | $69,000 | $12,000 | $26,000 |
| VA-guaranteed (Veterans Administration) | 1 | $57,000 | $57,000 | $57,000 | $82,000 | $82,000 |
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 | 40 | $2,988,000 | $74,000 | $280,000 | $68,000 | $236,000 |
| Application Denied By Financial Institution | 10 | $511,000 | $51,000 | $90,000 | $55,000 | $98,000 |
| Application Withdrawn By Applicant | 6 | $287,000 | $47,000 | $90,000 | $55,000 | $111,000 |
| Application Approved But Not Accepted | 2 | $76,000 | $38,000 | $60,000 | $52,000 | $62,000 |
| Loan Purchased By The Institution | 2 | $94,000 | $47,000 | $50,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 4 | $148,000 | $37,000 | $53,000 | $56,000 | $98,000 |
| Debt-To-Income Ratio | 2 | $94,000 | $47,000 | $86,000 | $38,000 | $42,000 |
| Other | 2 | $147,000 | $73,000 | $90,000 | $68,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $53,000 | $53,000 | $53,000 | $94,000 | $94,000 |
| Credit Application Incomplete | 1 | $69,000 | $69,000 | $69,000 | $26,000 | $26,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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