Garden County, NE Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 66 mortgage applications in Garden County, NE totaling $3.7 million, down 11% from 2005. The average application was for $55,000, and applicants reported an average income of $58,000. 50% of applications resulted in an originated loan and 26% were denied. The most active lender was Adams Bank & Trust, with 17 applications, followed by Wells Fargo Bank, NA and Central National 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 | 66 |
| Total Mortgage Loan Application Amount | $3,674,000 |
| Average Mortgage Loan Application Amount | $55,000 |
| Highest Mortgage Loan Application Amount | $160,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $280,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 399,061,000 | 17 | $ 1,084,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 9 | $ 373,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 696,575,000 | 4 | $ 267,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 4 | $ 255,000 |
| Equitable Savings & Loan Assoc PO BOX 1726 STERLING, CO 80751 |
* | $ 213,837,000 | 2 | $ 82,000 |
| Valley Bank and Trust 1701 1ST AVENUE SCOTTSBLUFF, NE 69361 |
* | $ 282,154,000 | 2 | $ 92,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 1,787,895,000 | 2 | $ 41,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 55,157,645,000 | 2 | $ 33,000 |
| Quick Loan Funding Inc 535 ANTON BLVD, SUITE 600 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 2 | $ 84,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 85,000 |
| Land/Home Financial Services 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Crevecor Mortgage Inc 1150 HANLEY INDUSTRIAL CRT BRENTWOOD, MO 63144 |
* | $ 12,730,945,000 | 1 | $ 135,000 |
| Hamilton Mortgage Company 2700 NORTH CENTRAL AVENUE, STE 1500 PHOENIX, AZ 85004 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 1 | $ 58,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 74,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 24,644,357,000 | 1 | $ 9,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 115,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,054,001,000 | 1 | $ 103,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 12,218,679,000 | 1 | $ 34,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 19,653,232,000 | 1 | $ 10,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 10,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 7,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 1 | $ 72,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 1 | $ 53,000 |
| American Unified Mortgage, Inc 4630 NORTH AVENUE, SUITE A OCEANSIDE, CA 92056 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,241,462,000 | 1 | $ 63,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,218,381,000 | 1 | $ 53,000 |
The tables below break down 2006 mortgage applications in Garden 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 Garden County, NE in 2006
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 | 37 | $2,162,000 | $58,000 | $160,000 | $60,000 | $280,000 |
| Refinancing | 20 | $1,140,000 | $57,000 | $129,000 | $57,000 | $125,000 |
| Home Improvement | 9 | $372,000 | $41,000 | $99,000 | $53,000 | $99,000 |
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 | 53 | $2,985,000 | $56,000 | $160,000 | $64,000 | $280,000 |
| Not Provided | 8 | $433,000 | $54,000 | $135,000 | $32,000 | $78,000 |
| Not applicable | 2 | $125,000 | $62,000 | $72,000 | $78,000 | $124,000 |
| Hispanic | 2 | $121,000 | $60,000 | $67,000 | $22,000 | $22,000 |
| American Indian or Alaskan Native | 1 | $10,000 | $10,000 | $10,000 | $18,000 | $18,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 59 | $3,259,000 | $55,000 | $160,000 | $60,000 | $280,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $337,000 | $67,000 | $115,000 | $35,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 2 | $78,000 | $39,000 | $54,000 | $54,000 | $88,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 33 | $1,955,000 | $59,000 | $137,000 | $76,000 | $280,000 |
| Application Denied By Financial Institution | 17 | $937,000 | $55,000 | $160,000 | $35,000 | $68,000 |
| Loan Purchased By The Institution | 7 | $464,000 | $66,000 | $129,000 | $83,000 | $124,000 |
| Application Withdrawn By Applicant | 5 | $159,000 | $31,000 | $53,000 | $21,000 | $38,000 |
| Application Approved But Not Accepted | 3 | $128,000 | $42,000 | $67,000 | $14,000 | $22,000 |
| File Closed For Incompleteness | 1 | $31,000 | $31,000 | $31,000 | $21,000 | $21,000 |
| 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 | 4 | $100,000 | $25,000 | $60,000 | $40,000 | $67,000 |
| Collateral | 2 | $200,000 | $100,000 | $120,000 | $39,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $214,000 | $107,000 | $160,000 | $13,000 | $22,000 |
| Credit Application Incomplete | 1 | $17,000 | $17,000 | $17,000 | $24,000 | $24,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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