Garden County, NE Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 40 mortgage applications in Garden County, NE totaling $3.1 million, up 48% from 2010. The average application was for $76,000, and applicants reported an average income of $56,000. 52% of applications resulted in an originated loan and 15% were denied. The most active lender was Adams Bank & Trust, with 11 applications, followed by Central National Bank and Bank of America 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 | 40 |
| Total Mortgage Loan Application Amount | $3,059,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $450,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $266,000 |
| 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 |
* | $ 512,906,000 | 11 | $ 992,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 837,325,000 | 4 | $ 280,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 4 | $ 492,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 2,951,720,000 | 3 | $ 170,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 815,778,000 | 2 | $ 116,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 157,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 185,788,000 | 2 | $ 84,000 |
| Tri County Bank A Pvc 3310 N. COLLEGE DRIVE CHEYENNE, WY 82001 |
* | $ 53,796,000 | 2 | $ 55,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 1 | $ 20,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 21,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 156,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 115,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Points West Community Bank P O BOX 157 SIDNEY, NE 69162 |
* | $ 312,926,000 | 1 | $ 50,000 |
| Equitable Savings & Loan Assoc PO BOX 1726 STERLING, CO 80751 |
* | $ 178,175,000 | 1 | $ 54,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 55,000 |
The tables below break down 2011 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 2011
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 | 20 | $1,536,000 | $76,000 | $450,000 | $58,000 | $266,000 |
| Refinancing | 19 | $1,452,000 | $76,000 | $156,000 | $57,000 | $170,000 |
| Home Improvement | 1 | $71,000 | $71,000 | $71,000 | $0 | $0 |
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 | 32 | $1,932,000 | $60,000 | $156,000 | $61,000 | $266,000 |
| Not Provided | 5 | $452,000 | $90,000 | $150,000 | $41,000 | $86,000 |
| Not applicable | 2 | $521,000 | $260,000 | $450,000 | $0 | $0 |
| Hispanic | 1 | $154,000 | $154,000 | $154,000 | $98,000 | $98,000 |
| 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) | 26 | $1,977,000 | $76,000 | $450,000 | $71,000 | $266,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $439,000 | $62,000 | $83,000 | $29,000 | $64,000 |
| FHA-insured (Federal Housing Administration) | 4 | $222,000 | $55,000 | $95,000 | $30,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 3 | $421,000 | $140,000 | $156,000 | $28,000 | $86,000 |
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 | 21 | $1,656,000 | $78,000 | $450,000 | $67,000 | $266,000 |
| Application Denied By Financial Institution | 6 | $342,000 | $57,000 | $84,000 | $41,000 | $90,000 |
| Application Withdrawn By Applicant | 4 | $197,000 | $49,000 | $60,000 | $19,000 | $38,000 |
| Loan Purchased By The Institution | 4 | $395,000 | $98,000 | $154,000 | $82,000 | $170,000 |
| File Closed For Incompleteness | 3 | $317,000 | $105,000 | $150,000 | $44,000 | $86,000 |
| Application Approved But Not Accepted | 2 | $152,000 | $76,000 | $95,000 | $33,000 | $46,000 |
| 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 | $63,000 | $55,000 | $90,000 |
| Credit History | 1 | $51,000 | $51,000 | $51,000 | $26,000 | $26,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $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 |
| 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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