Gosper County, NE Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 97 mortgage applications in Gosper County, NE totaling $9.4 million, up 45% from 2010. The average application was for $97,000, and applicants reported an average income of $60,000. 57% of applications resulted in an originated loan and 18% were denied. The most active lender was Security First Bank, with 17 applications, followed by Pinnacle Bank and Wells Fargo 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 | 97 |
| Total Mortgage Loan Application Amount | $9,414,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $269,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 815,778,000 | 17 | $ 1,062,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 2,951,720,000 | 15 | $ 1,276,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 9 | $ 985,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 5 | $ 687,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 515,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 3 | $ 339,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,813,409,000 | 3 | $ 294,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 3 | $ 26,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 423,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 3 | $ 217,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 236,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 194,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 292,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 12,658,976,000 | 2 | $ 236,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 109,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 365,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 171,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 100,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 213,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 96,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 50,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,311,970,000 | 1 | $ 215,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 745,184,000 | 1 | $ 70,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 339,396,000 | 1 | $ 108,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 512,906,000 | 1 | $ 88,000 |
| Waypoint Bank 747 MERIDIAN AVENUE COZAD, NE 69130 |
* | $ 209,004,000 | 1 | $ 15,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,451,138,000 | 1 | $ 90,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 300,521,000 | 1 | $ 90,000 |
| Horizon Bank 10841 N 142ND STREET WAVERLY, NE 68462 |
* | $ 168,822,000 | 1 | $ 15,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,257,808,000 | 1 | $ 40,000 |
| Points West Community Bank P O BOX 157 SIDNEY, NE 69162 |
* | $ 312,926,000 | 1 | $ 186,000 |
The tables below break down 2011 mortgage applications in Gosper 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 Gosper 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 | 45 | $5,143,000 | $114,000 | $365,000 | $68,000 | $269,000 |
| Refinancing | 38 | $3,865,000 | $101,000 | $215,000 | $55,000 | $149,000 |
| Home Improvement | 14 | $406,000 | $29,000 | $91,000 | $48,000 | $160,000 |
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 | 73 | $6,571,000 | $90,000 | $365,000 | $67,000 | $269,000 |
| Not applicable | 11 | $1,373,000 | $124,000 | $269,000 | $2,000 | $26,000 |
| Not Provided | 10 | $1,162,000 | $116,000 | $215,000 | $74,000 | $161,000 |
| Hispanic | 3 | $308,000 | $102,000 | $127,000 | $47,000 | $50,000 |
| 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) | 73 | $7,157,000 | $98,000 | $365,000 | $68,000 | $269,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,345,000 | $89,000 | $215,000 | $40,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $801,000 | $100,000 | $142,000 | $26,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 1 | $111,000 | $111,000 | $111,000 | $57,000 | $57,000 |
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 | 55 | $4,973,000 | $90,000 | $365,000 | $71,000 | $269,000 |
| Application Denied By Financial Institution | 17 | $1,505,000 | $88,000 | $213,000 | $65,000 | $160,000 |
| Loan Purchased By The Institution | 15 | $1,833,000 | $122,000 | $269,000 | $20,000 | $125,000 |
| Application Withdrawn By Applicant | 6 | $723,000 | $120,000 | $215,000 | $39,000 | $68,000 |
| File Closed For Incompleteness | 2 | $292,000 | $146,000 | $202,000 | $99,000 | $120,000 |
| Application Approved But Not Accepted | 2 | $88,000 | $44,000 | $79,000 | $49,000 | $51,000 |
| 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 | 3 | $377,000 | $125,000 | $186,000 | $108,000 | $160,000 |
| Credit History | 2 | $222,000 | $111,000 | $213,000 | $61,000 | $86,000 |
| Debt-To-Income Ratio | 1 | $175,000 | $175,000 | $175,000 | $134,000 | $134,000 |
| Credit Application Incomplete | 1 | $117,000 | $117,000 | $117,000 | $38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $104,000 | $104,000 | $104,000 | $65,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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