Garden County, NE Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 41 mortgage applications in Garden County, NE totaling $2.6 million, down 9% from 2008. The average application was for $62,000, and applicants reported an average income of $53,000. 44% of applications resulted in an originated loan and 22% were denied. The most active lender was Adams Bank & Trust, with 12 applications, followed by Central National Bank and Bank of America, N.A..
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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 | 41 |
| Total Mortgage Loan Application Amount | $2,555,000 |
| Average Mortgage Loan Application Amount | $62,000 |
| Highest Mortgage Loan Application Amount | $171,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $178,000 |
| 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 |
* | $ 480,763,000 | 12 | $ 488,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 901,102,000 | 4 | $ 217,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 3 | $ 200,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 3 | $ 196,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 3 | $ 153,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 222,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 209,000 |
| Equitable Savings & Loan Assoc PO BOX 1726 STERLING, CO 80751 |
* | $ 183,743,000 | 1 | $ 41,000 |
| Equitable Bank 113-115 N. LOCUST STREET GRAND ISLAND, NE 68801 |
* | $ 210,026,000 | 1 | $ 72,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 106,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 113,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 1 | $ 102,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 2,301,637,000 | 1 | $ 11,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,959,803,000 | 1 | $ 92,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 338,879,000 | 1 | $ 171,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 78,000 |
The tables below break down 2009 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 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 | 25 | $1,715,000 | $68,000 | $120,000 | $50,000 | $178,000 |
| Home Purchase | 14 | $805,000 | $57,000 | $171,000 | $59,000 | $96,000 |
| Home Improvement | 2 | $35,000 | $17,000 | $24,000 | $48,000 | $60,000 |
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 | 35 | $1,951,000 | $55,000 | $171,000 | $55,000 | $178,000 |
| Not applicable | 3 | $328,000 | $109,000 | $113,000 | $20,000 | $61,000 |
| Not Provided | 2 | $184,000 | $92,000 | $106,000 | $70,000 | $78,000 |
| Hispanic | 1 | $92,000 | $92,000 | $92,000 | $47,000 | $47,000 |
| 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) | 33 | $2,153,000 | $65,000 | $171,000 | $56,000 | $178,000 |
| FHA-insured (Federal Housing Administration) | 6 | $313,000 | $52,000 | $80,000 | $36,000 | $53,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $89,000 | $44,000 | $56,000 | $48,000 | $65,000 |
| VA-guaranteed (Veterans 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 | 18 | $1,290,000 | $71,000 | $171,000 | $69,000 | $178,000 |
| Application Denied By Financial Institution | 9 | $269,000 | $29,000 | $56,000 | $33,000 | $73,000 |
| Application Withdrawn By Applicant | 7 | $412,000 | $58,000 | $120,000 | $59,000 | $120,000 |
| Loan Purchased By The Institution | 7 | $584,000 | $83,000 | $113,000 | $31,000 | $62,000 |
| 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 |
| Application Approved But Not Accepted | 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 | $72,000 | $18,000 | $25,000 | $25,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $37,000 | $37,000 | $37,000 | $53,000 | $53,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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