Howard County, NE Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 332 mortgage applications in Howard County, NE totaling $24.6 million, down 14% from 2003. The average application was for $74,000, and applicants reported an average income of $47,000. 34% of applications resulted in an originated loan and 27% were denied. The most active lender was Wells Fargo Bank, NA, with 23 applications, followed by Ameriquest Mortgage Company and Beneficial.
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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 | 332 |
| Total Mortgage Loan Application Amount | $24,590,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $377,000 |
| Average Applicant Income | $47,000 |
| Highest Applicant Income | $636,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 23 | $ 1,604,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 21 | $ 1,772,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 19 | $ 1,151,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 14 | $ 1,201,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 14 | $ 947,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 2,201,807,000 | 14 | $ 960,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 11 | $ 658,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 9 | $ 285,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 9 | $ 1,071,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 602,249,000 | 9 | $ 669,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 9 | $ 986,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 8 | $ 522,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 1,290,492,000 | 7 | $ 376,000 |
| United Ne Bank 1235 N STREET LINCOLN, NE 68508 |
* | $ 513,667,000 | 7 | $ 760,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 7 | $ 532,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 7 | $ 563,000 |
| Wells Fargo Fin'l Nebraska,Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 7 | $ 316,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 6 | $ 407,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 398,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 5 | $ 398,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 5 | $ 325,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 5 | $ 405,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 5 | $ 417,000 |
| Commercial Federal Bank 11207 WEST DODGE ROAD 2ND FL OMAHA, NE 68154 |
* | $ 12,190,849,000 | 5 | $ 241,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 4 | $ 467,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 4 | $ 304,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 4 | $ 330,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 3 | $ 121,000 |
| Millennia Mortgage Corporation 9891 IRVINE CENTER DRIVE, STE. 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 163,000 |
| Hamilton Mortgage Company 2700 NORTH CENTRAL AVENUE, STE 1500 PHOENIX, AZ 85004 |
* | $ 10,000,000 | 3 | $ 210,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 3 | $ 254,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 3 | $ 171,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 243,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 2 | $ 136,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 2 | $ 126,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 2 | $ 99,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 323,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 81,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 113,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 2 | $ 139,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 2 | $ 240,000 |
| Hearthside Lending Corp. 4770 NORTH BELLEVIEW SUITE 100 GLADSTONE, MO 64116 |
* | $ 10,000,000 | 2 | $ 295,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 228,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 2 | $ 85,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 190,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 1,651,789,000 | 2 | $ 208,000 |
| Principal Bank 711 HIGH STREET DES MOINES, IA 50392 |
* | $ 2,011,540,000 | 2 | $ 18,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 203,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 452,693,000 | 2 | $ 99,000 |
| Major Mortgage 6101 YELLOWSTONE ROAD, LL17 CHEYENNE, WY 82009 |
* | $ 10,000,000 | 2 | $ 57,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 2 | $ 99,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 6,597,639,000 | 1 | $ 39,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,690,967,000 | 1 | $ 65,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 1 | $ 65,000 |
| Rbc Mortgage P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 305,652,000 | 1 | $ 62,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 27,000 |
| Stonecreek Funding Corporation 1515 WAZEE, SUITE 300 DENVER, CO 80202 |
* | $ 10,000,000 | 1 | $ 16,000 |
| Sunset Direct Lending 5000 SW MEADOWS ROAD SUITE 131 LAKE OSWEGO, OR 97035 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Sunset Mortgage Company, L.P. 3 DICKENSON DRIVE CHADDS FORD, PA 19317 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Paragon Home Lending, LLC 19435 W. CAPITOL DRIVE, SUITE 201 BROOKFIELD, WI 53045 |
* | $ 10,000,000 | 1 | $ 66,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 39,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 1 | $ 48,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 82,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 39,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,655,913,000 | 1 | $ 60,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 1 | $ 157,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 1 | $ 124,000 |
| Cherry Creek Mortgage Co., Inc 7600 EAST ORCHARD RD., STE 250-N GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Aegis Mortgage Corporation 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,223,098,000 | 1 | $ 77,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 286,572,000 | 1 | $ 31,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 80,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 60,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 6,267,281,000 | 1 | $ 52,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 47,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 480,844,000 | 1 | $ 377,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 1 | $ 81,000 |
| Community Mortgage Group Inc 1745 SHEA CENTER DRIVE, #270 HIGHLANDS RANCH, CO 80129 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 52,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 1 | $ 58,000 |
The tables below break down 2004 mortgage applications in Howard 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 Howard County, NE in 2004
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 | 216 | $17,080,000 | $79,000 | $377,000 | $46,000 | $300,000 |
| Home Purchase | 85 | $6,331,000 | $74,000 | $200,000 | $42,000 | $324,000 |
| Home Improvement | 31 | $1,179,000 | $38,000 | $170,000 | $63,000 | $636,000 |
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 | 261 | $18,994,000 | $72,000 | $377,000 | $52,000 | $636,000 |
| Not Provided | 34 | $2,825,000 | $83,000 | $238,000 | $47,000 | $119,000 |
| Not applicable | 25 | $2,017,000 | $80,000 | $176,000 | $5,000 | $34,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $200,000 | $50,000 | $70,000 | $21,000 | $42,000 |
| Hispanic | 3 | $174,000 | $58,000 | $86,000 | $38,000 | $98,000 |
| American Indian or Alaskan Native | 3 | $219,000 | $73,000 | $75,000 | $37,000 | $48,000 |
| Asian | 2 | $161,000 | $80,000 | $100,000 | $42,000 | $70,000 |
| 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) | 316 | $23,125,000 | $73,000 | $238,000 | $48,000 | $636,000 |
| FHA-insured (Federal Housing Administration) | 12 | $775,000 | $64,000 | $129,000 | $25,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 3 | $313,000 | $104,000 | $123,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $377,000 | $377,000 | $377,000 | $143,000 | $143,000 |
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 | 114 | $8,646,000 | $75,000 | $194,000 | $47,000 | $275,000 |
| Application Denied By Financial Institution | 91 | $6,231,000 | $68,000 | $377,000 | $56,000 | $636,000 |
| Application Withdrawn By Applicant | 53 | $3,968,000 | $74,000 | $238,000 | $44,000 | $124,000 |
| Loan Purchased By The Institution | 43 | $3,341,000 | $77,000 | $176,000 | $21,000 | $124,000 |
| Application Approved But Not Accepted | 18 | $1,213,000 | $67,000 | $168,000 | $42,000 | $78,000 |
| File Closed For Incompleteness | 13 | $1,191,000 | $91,000 | $169,000 | $93,000 | $324,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 22 | $1,110,000 | $50,000 | $140,000 | $79,000 | $636,000 |
| Other | 18 | $1,602,000 | $89,000 | $193,000 | $39,000 | $117,000 |
| Collateral | 15 | $926,000 | $61,000 | $175,000 | $46,000 | $119,000 |
| Debt-To-Income Ratio | 8 | $1,136,000 | $142,000 | $377,000 | $49,000 | $143,000 |
| Credit Application Incomplete | 3 | $161,000 | $53,000 | $72,000 | $131,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $98,000 | $49,000 | $65,000 | $44,000 | $78,000 |
| Employment History | 1 | $164,000 | $164,000 | $164,000 | $50,000 | $50,000 |
| 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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