Garden County, NE Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 49 mortgage applications in Garden County, NE totaling $3.3 million, up 20% from 2016. The average application was for $68,000, and applicants reported an average income of $64,000. 59% of applications resulted in an originated loan and 16% were denied. The most active lender was Adams Bank & Trust, with 13 applications, followed by Franklin American Mortgage Company and Pinnacle 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 | 49 |
| Total Mortgage Loan Application Amount | $3,348,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $432,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $575,000 |
| 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 |
* | $ 704,228,000 | 13 | $ 720,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 5 | $ 276,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,372,911,000 | 4 | $ 127,000 |
| Points West Community Bank P O BOX 157 SIDNEY, NE 69162 |
* | $ 361,437,000 | 4 | $ 105,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 3 | $ 594,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 2,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 390,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 969,397,000 | 1 | $ 23,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 83,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 1 | $ 25,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 76,000 |
| Platte Valley Bank SCOTTSBLUFF, NE 69361 |
* | $ 352,030,000 | 1 | $ 16,000 |
| Anb Bank 3033 E 1ST AVENUE DENVER, CO 80206 |
* | $ 2,660,246,000 | 1 | $ 132,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 123,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 174,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 55,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,938,350,000 | 1 | $ 60,000 |
| Independent Bank 1600 REDBUD BLVD MCKINNEY, TX 75070 |
* | $ 5,850,211,000 | 1 | $ 26,000 |
The tables below break down 2017 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 2017
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 | 29 | $2,170,000 | $74,000 | $432,000 | $79,000 | $575,000 |
| Refinancing | 13 | $914,000 | $70,000 | $174,000 | $42,000 | $150,000 |
| Home Improvement | 7 | $264,000 | $37,000 | $127,000 | $46,000 | $100,000 |
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 | 38 | $2,746,000 | $72,000 | $432,000 | $72,000 | $575,000 |
| Not applicable | 5 | $276,000 | $55,000 | $96,000 | $0 | $0 |
| Not Provided | 4 | $252,000 | $63,000 | $99,000 | $78,000 | $150,000 |
| American Indian or Alaskan Native | 1 | $72,000 | $72,000 | $72,000 | $107,000 | $107,000 |
| Hispanic | 1 | $2,000 | $2,000 | $2,000 | $14,000 | $14,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 39 | $2,464,000 | $63,000 | $432,000 | $69,000 | $575,000 |
| VA-guaranteed (Veterans Administration) | 4 | $373,000 | $93,000 | $174,000 | $26,000 | $107,000 |
| FHA-insured (Federal Housing Administration) | 3 | $295,000 | $98,000 | $123,000 | $78,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $216,000 | $72,000 | $83,000 | $42,000 | $54,000 |
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 | 29 | $1,621,000 | $55,000 | $195,000 | $71,000 | $336,000 |
| Application Denied By Financial Institution | 8 | $619,000 | $77,000 | $195,000 | $27,000 | $60,000 |
| Loan Purchased By The Institution | 6 | $359,000 | $59,000 | $96,000 | $9,000 | $54,000 |
| Application Withdrawn By Applicant | 4 | $620,000 | $155,000 | $432,000 | $186,000 | $575,000 |
| File Closed For Incompleteness | 1 | $76,000 | $76,000 | $76,000 | $32,000 | $32,000 |
| Application Approved But Not Accepted | 1 | $53,000 | $53,000 | $53,000 | $48,000 | $48,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $174,000 | $174,000 | $174,000 | $0 | $0 |
| Collateral | 1 | $73,000 | $73,000 | $73,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
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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