Garfield County, NE Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 54 mortgage applications in Garfield County, NE totaling $5.3 million, about the same as 2010. The average application was for $97,000, and applicants reported an average income of $91,000. 46% of applications resulted in an originated loan and 35% were denied. The most active lender was Great Western Bank, with 13 applications, followed by Wells Fargo Bank NA and Union Bank and Trust Company.
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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 | 54 |
| Total Mortgage Loan Application Amount | $5,273,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $604,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,257,808,000 | 13 | $ 1,420,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 8 | $ 592,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,451,138,000 | 5 | $ 204,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 3 | $ 208,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 512,906,000 | 3 | $ 181,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 4,876,840,000 | 2 | $ 121,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 431,354,000 | 2 | $ 96,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 210,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 2 | $ 214,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 2 | $ 98,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 1,687,949,000 | 1 | $ 115,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 12,658,976,000 | 1 | $ 168,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 1 | $ 169,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 171,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 103,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 787,708,000 | 1 | $ 387,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 837,325,000 | 1 | $ 153,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 70,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 294,228,000 | 1 | $ 138,000 |
| Dundee Bank 5015 UNDERWOOD AVE OMAHA, NE 68132 |
* | $ 94,593,000 | 1 | $ 250,000 |
The tables below break down 2011 mortgage applications in Garfield 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 Garfield 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 |
|---|---|---|---|---|---|---|
| Refinancing | 38 | $4,087,000 | $107,000 | $500,000 | $97,000 | $604,000 |
| Home Purchase | 13 | $1,004,000 | $77,000 | $250,000 | $81,000 | $247,000 |
| Home Improvement | 3 | $182,000 | $60,000 | $102,000 | $62,000 | $81,000 |
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 | 49 | $4,619,000 | $94,000 | $500,000 | $86,000 | $604,000 |
| Not Provided | 4 | $611,000 | $152,000 | $387,000 | $158,000 | $511,000 |
| Hispanic | 1 | $43,000 | $43,000 | $43,000 | $65,000 | $65,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 46 | $4,344,000 | $94,000 | $500,000 | $91,000 | $604,000 |
| FHA-insured (Federal Housing Administration) | 5 | $349,000 | $69,000 | $103,000 | $22,000 | $33,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $427,000 | $213,000 | $387,000 | $265,000 | $511,000 |
| VA-guaranteed (Veterans Administration) | 1 | $153,000 | $153,000 | $153,000 | $89,000 | $89,000 |
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 | 25 | $2,659,000 | $106,000 | $500,000 | $105,000 | $604,000 |
| Application Denied By Financial Institution | 19 | $1,799,000 | $94,000 | $387,000 | $75,000 | $511,000 |
| Application Withdrawn By Applicant | 7 | $551,000 | $78,000 | $119,000 | $87,000 | $217,000 |
| Application Approved But Not Accepted | 2 | $111,000 | $55,000 | $62,000 | $80,000 | $91,000 |
| Loan Purchased By The Institution | 1 | $153,000 | $153,000 | $153,000 | $89,000 | $89,000 |
| 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 |
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 | $172,000 | $86,000 | $100,000 | $50,000 | $54,000 |
| Credit History | 2 | $457,000 | $228,000 | $387,000 | $273,000 | $511,000 |
| Other | 2 | $218,000 | $109,000 | $169,000 | $208,000 | $325,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $98,000 | $98,000 | $98,000 | $32,000 | $32,000 |
| Debt-To-Income Ratio | 1 | $65,000 | $65,000 | $65,000 | $17,000 | $17,000 |
| Credit Application Incomplete | 1 | $171,000 | $171,000 | $171,000 | $42,000 | $42,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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