Garden County, NE Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 36 mortgage applications in Garden County, NE totaling $2.5 million, down 16% from 2014. The average application was for $68,000, and applicants reported an average income of $45,000. 53% of applications resulted in an originated loan and 22% were denied. The most active lender was Adams Bank & Trust, with 8 applications, followed by Pinnacle Bank and Points West Community 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 | 36 |
| Total Mortgage Loan Application Amount | $2,483,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $222,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $156,000 |
| 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 |
* | $ 664,052,000 | 8 | $ 487,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,037,913,000 | 4 | $ 141,000 |
| Points West Community Bank P O BOX 157 SIDNEY, NE 69162 |
* | $ 380,431,000 | 4 | $ 113,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 2 | $ 224,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 127,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 222,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 682,294,000 | 1 | $ 107,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 1,167,901,000 | 1 | $ 162,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 142,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 77,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 1 | $ 86,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 61,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 107,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 55,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Valley Bank and Trust 1701 1ST AVENUE SCOTTSBLUFF, NE 69361 |
* | $ 335,716,000 | 1 | $ 11,000 |
The tables below break down 2015 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 2015
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 | 16 | $1,319,000 | $82,000 | $222,000 | $48,000 | $98,000 |
| Refinancing | 14 | $957,000 | $68,000 | $146,000 | $43,000 | $156,000 |
| Home Improvement | 6 | $207,000 | $34,000 | $122,000 | $42,000 | $87,000 |
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 | 30 | $1,920,000 | $64,000 | $162,000 | $52,000 | $156,000 |
| Not applicable | 4 | $456,000 | $114,000 | $222,000 | $0 | $0 |
| Not Provided | 2 | $107,000 | $53,000 | $60,000 | $32,000 | $36,000 |
| 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 |
| Hispanic | 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) | 25 | $1,665,000 | $66,000 | $222,000 | $46,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 6 | $408,000 | $68,000 | $142,000 | $40,000 | $81,000 |
| FHA-insured (Federal Housing Administration) | 3 | $196,000 | $65,000 | $79,000 | $49,000 | $61,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $214,000 | $107,000 | $107,000 | $45,000 | $90,000 |
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 | 19 | $1,373,000 | $72,000 | $162,000 | $55,000 | $156,000 |
| Application Denied By Financial Institution | 8 | $329,000 | $41,000 | $86,000 | $47,000 | $98,000 |
| Loan Purchased By The Institution | 6 | $604,000 | $100,000 | $222,000 | $15,000 | $61,000 |
| Application Withdrawn By Applicant | 2 | $132,000 | $66,000 | $77,000 | $41,000 | $53,000 |
| Application Approved But Not Accepted | 1 | $45,000 | $45,000 | $45,000 | $28,000 | $28,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1 | $86,000 | $86,000 | $86,000 | $98,000 | $98,000 |
| Other | 1 | $47,000 | $47,000 | $47,000 | $29,000 | $29,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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