Howard County, NE Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 226 mortgage applications in Howard County, NE totaling $32.4 million, down 4% from 2012. The average application was for $143,000, and applicants reported an average income of $85,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank NA, with 27 applications, followed by Five Points Bank and US Bank, N.A..
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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 | 226 |
| Total Mortgage Loan Application Amount | $32,359,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $1,660,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 27 | $ 2,542,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 837,762,000 | 22 | $ 2,498,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 21 | $ 2,492,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 177,463,000 | 16 | $ 1,987,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 354,250,000 | 13 | $ 1,489,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,077,575,000 | 12 | $ 2,155,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,667,944,000 | 10 | $ 267,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 9 | $ 1,380,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 8 | $ 717,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 7 | $ 553,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 891,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 3,757,956,000 | 7 | $ 959,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 620,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 6 | $ 6,719,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ 10,000,000 | 5 | $ 485,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 464,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 456,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 5,923,392,000 | 4 | $ 405,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 3 | $ 598,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 485,714,000 | 3 | $ 187,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 178,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 2 | $ 296,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 319,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 2 | $ 490,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 946,494,000 | 2 | $ 895,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,173,000 | 1 | $ 53,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 92,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Dundee Mortgage LLC 5015 UNDERWOOD AVENUE OMAHA, NE 68132 |
* | $ 112,198,000 | 1 | $ 71,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 189,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 54,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 63,343,359,000 | 1 | $ 129,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 40,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 200,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 137,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 191,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 400,605,000 | 1 | $ 86,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 259,233,000 | 1 | $ 30,000 |
The tables below break down 2013 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 2013
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 | 131 | $22,327,000 | $170,000 | $2,500,000 | $99,000 | $1,660,000 |
| Home Purchase | 76 | $9,224,000 | $121,000 | $340,000 | $64,000 | $433,000 |
| Home Improvement | 19 | $808,000 | $42,000 | $140,000 | $78,000 | $436,000 |
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 | 183 | $26,224,000 | $143,000 | $2,500,000 | $95,000 | $1,660,000 |
| Not applicable | 23 | $3,483,000 | $151,000 | $920,000 | $16,000 | $134,000 |
| Not Provided | 18 | $2,162,000 | $120,000 | $240,000 | $67,000 | $156,000 |
| Hispanic | 2 | $490,000 | $245,000 | $250,000 | $158,000 | $160,000 |
| 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) | 175 | $25,958,000 | $148,000 | $2,500,000 | $96,000 | $1,660,000 |
| FHA-insured (Federal Housing Administration) | 32 | $4,449,000 | $139,000 | $250,000 | $56,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,062,000 | $81,000 | $140,000 | $24,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 6 | $890,000 | $148,000 | $240,000 | $58,000 | $179,000 |
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 | 117 | $15,154,000 | $129,000 | $920,000 | $79,000 | $447,000 |
| Loan Purchased By The Institution | 40 | $4,514,000 | $112,000 | $240,000 | $41,000 | $156,000 |
| Application Denied By Financial Institution | 39 | $9,089,000 | $233,000 | $2,500,000 | $161,000 | $1,660,000 |
| Application Withdrawn By Applicant | 15 | $1,847,000 | $123,000 | $250,000 | $77,000 | $179,000 |
| Application Approved But Not Accepted | 12 | $1,531,000 | $127,000 | $189,000 | $65,000 | $136,000 |
| File Closed For Incompleteness | 3 | $224,000 | $74,000 | $113,000 | $47,000 | $60,000 |
| 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 | 7 | $665,000 | $95,000 | $132,000 | $66,000 | $107,000 |
| Credit History | 5 | $228,000 | $45,000 | $104,000 | $58,000 | $96,000 |
| Credit Application Incomplete | 4 | $322,000 | $80,000 | $103,000 | $34,000 | $73,000 |
| Other | 2 | $291,000 | $145,000 | $159,000 | $89,000 | $123,000 |
| Unverifiable Information | 1 | $135,000 | $135,000 | $135,000 | $126,000 | $126,000 |
| Debt-To-Income Ratio | 1 | $18,000 | $18,000 | $18,000 | $50,000 | $50,000 |
| 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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