Garden County, NE Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 59 mortgage applications in Garden County, NE totaling $6.4 million, down 3% from 2020. The average application was for $108,000, and applicants reported an average income of $70,000. 47% of applications resulted in an originated loan and 15% were denied. The most active lender was Adams Bank & Trust, with 10 applications, followed by US Bank, N.A. and Flagstar Bank 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 | 59 |
| Total Mortgage Loan Application Amount | $6,425,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $265,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $202,000 |
| 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 |
* | $ 839,145,000 | 10 | $ 980,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 7 | $ 485,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 5 | $ 675,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 485,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 655,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 385,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 5,333,783,000 | 3 | $ 185,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 2 | $ 190,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 170,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 1,634,283,000 | 1 | $ 65,000 |
| Franklin Loan Corporation 44800 VILLAGE COURT PALM DESERT, CA 92260 |
* | $ -1,000 | 1 | $ 145,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 45,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 35,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 1 | $ 85,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 135,000 |
| Meridian Trust Federal Credit Union PO BOX 548 CHEYENNE, WY 82003 |
* | $ 425,932,000 | 1 | $ 115,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 125,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 394,658,000 | 1 | $ 95,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 115,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 265,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ 305,588,000 | 1 | $ 185,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 185,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 55,000 |
The tables below break down 2021 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 2021
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 | 34 | $4,100,000 | $120,000 | $265,000 | $69,000 | $202,000 |
| Refinancing | 12 | $1,080,000 | $90,000 | $185,000 | $72,000 | $141,000 |
| Cash-out Refinancing | 8 | $910,000 | $113,000 | $245,000 | $83,000 | $180,000 |
| Home Improvement | 4 | $270,000 | $67,000 | $155,000 | $45,000 | $85,000 |
| Other Purpose | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 44 | $5,280,000 | $120,000 | $265,000 | $73,000 | $202,000 |
| Not Provided | 8 | $610,000 | $76,000 | $165,000 | $48,000 | $135,000 |
| Not applicable | 6 | $390,000 | $65,000 | $95,000 | $0 | $0 |
| Hispanic | 1 | $145,000 | $145,000 | $145,000 | $83,000 | $83,000 |
| 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) | 40 | $3,620,000 | $90,000 | $255,000 | $69,000 | $180,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,630,000 | $163,000 | $265,000 | $55,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $505,000 | $101,000 | $155,000 | $49,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 4 | $670,000 | $167,000 | $245,000 | $139,000 | $202,000 |
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 | 28 | $2,650,000 | $94,000 | $255,000 | $76,000 | $202,000 |
| Application Withdrawn By Applicant | 10 | $1,080,000 | $108,000 | $185,000 | $61,000 | $138,000 |
| Application Denied By Financial Institution | 9 | $1,405,000 | $156,000 | $235,000 | $42,000 | $97,000 |
| Loan Purchased By The Institution | 7 | $735,000 | $105,000 | $265,000 | $130,000 | $161,000 |
| File Closed For Incompleteness | 4 | $530,000 | $132,000 | $245,000 | $75,000 | $131,000 |
| Application Approved But Not Accepted | 1 | $25,000 | $25,000 | $25,000 | $87,000 | $87,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 50 | $5,020,000 | $100,000 | $265,000 | $76,000 | $202,000 |
| Credit History | 5 | $925,000 | $185,000 | $235,000 | $37,000 | $51,000 |
| Debt-To-Income Ratio | 1 | $195,000 | $195,000 | $195,000 | $40,000 | $40,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $15,000 | $15,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $45,000 | $45,000 |
| Collateral | 1 | $185,000 | $185,000 | $185,000 | $97,000 | $97,000 |
| Credit Application Incomplete | 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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