Howard County, NE Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 237 mortgage applications in Howard County, NE totaling $26.5 million, up 5% from 2013. The average application was for $112,000, and applicants reported an average income of $76,000. 52% of applications resulted in an originated loan and 23% were denied. The most active lender was Farm Credit Services of America, Flca, with 20 applications, followed by Wells Fargo Bank NA 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 | 237 |
| Total Mortgage Loan Application Amount | $26,547,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $480,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $435,000 |
* 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 |
|---|---|---|---|---|
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 20 | $ 3,459,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 20 | $ 1,779,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 18 | $ 1,972,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 172,144,000 | 15 | $ 2,347,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ 623,582,000 | 14 | $ 689,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 237,568,000 | 11 | $ 1,318,000 |
| Citizens Bank & Trust Company PO BOX 385, 7217TH STREET ST. PAUL, NE 68873 |
* | $ 142,824,000 | 9 | $ 1,149,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 1,120,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 902,939,000 | 7 | $ 976,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 377,882,000 | 7 | $ 919,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 7 | $ 961,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 853,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 630,000 |
| Archer Cooperative Credit Union 2121 ARCHER RD ARCHER, NE 68816 |
* | $ 61,683,000 | 6 | $ 339,000 |
| Homestead Bank PO BOX 2000 COZAD, NE 69130 |
* | $ 278,646,000 | 5 | $ 476,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,540,393,000 | 5 | $ 286,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ 10,000,000 | 5 | $ 593,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,269,540,000 | 4 | $ 269,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 4 | $ 24,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 3 | $ 170,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 3 | $ 272,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 238,000 |
| Exchange Bank 14 LABARRE STREET KEARNEY, NE 68847 |
* | $ 493,436,000 | 3 | $ 328,000 |
| Bank of Doniphan 118 PLUM STREET D, NE 68832 |
* | $ 96,547,000 | 3 | $ 278,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 845,160,000 | 3 | $ 305,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 3,870,208,000 | 3 | $ 330,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 509,112,000 | 2 | $ 102,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 405,930,000 | 2 | $ 460,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 361,000 |
| Core Bank 12100 W CENTER RD OMAHA, NE 68118 |
* | $ 356,125,000 | 2 | $ 221,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 6,392,855,000 | 1 | $ 210,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 152,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 690,026,000 | 1 | $ 93,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 40,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 50,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 140,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 101,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 289,551,000 | 1 | $ 224,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,862,684,000 | 1 | $ 5,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 48,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 79,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 59,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 130,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 1 | $ 64,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 93,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 1 | $ 116,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 116,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 163,000 |
| Pathway Bank 306 S HIGH ST PO BOX 428 CAIRO, NE 68824 |
* | $ 145,466,000 | 1 | $ 50,000 |
The tables below break down 2014 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 2014
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 | 115 | $14,517,000 | $126,000 | $480,000 | $76,000 | $368,000 |
| Refinancing | 99 | $11,138,000 | $112,000 | $350,000 | $80,000 | $435,000 |
| Home Improvement | 23 | $892,000 | $38,000 | $214,000 | $61,000 | $187,000 |
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 | 197 | $22,433,000 | $113,000 | $480,000 | $85,000 | $435,000 |
| Not applicable | 20 | $2,137,000 | $106,000 | $271,000 | $11,000 | $74,000 |
| Not Provided | 13 | $1,366,000 | $105,000 | $234,000 | $64,000 | $119,000 |
| Hispanic | 4 | $205,000 | $51,000 | $75,000 | $54,000 | $66,000 |
| American Indian or Alaskan Native | 2 | $110,000 | $55,000 | $60,000 | $75,000 | $85,000 |
| Black or African American | 1 | $296,000 | $296,000 | $296,000 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 180 | $19,511,000 | $108,000 | $480,000 | $86,000 | $435,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,965,000 | $109,000 | $234,000 | $48,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,610,000 | $163,000 | $289,000 | $53,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,461,000 | $104,000 | $147,000 | $39,000 | $71,000 |
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 | 123 | $13,968,000 | $113,000 | $350,000 | $86,000 | $409,000 |
| Application Denied By Financial Institution | 54 | $5,515,000 | $102,000 | $289,000 | $67,000 | $178,000 |
| Loan Purchased By The Institution | 30 | $3,365,000 | $112,000 | $271,000 | $35,000 | $149,000 |
| Application Approved But Not Accepted | 15 | $2,167,000 | $144,000 | $480,000 | $134,000 | $435,000 |
| Application Withdrawn By Applicant | 14 | $1,484,000 | $106,000 | $198,000 | $54,000 | $165,000 |
| File Closed For Incompleteness | 1 | $48,000 | $48,000 | $48,000 | $61,000 | $61,000 |
| 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 | 11 | $712,000 | $64,000 | $234,000 | $66,000 | $130,000 |
| Debt-To-Income Ratio | 5 | $505,000 | $101,000 | $271,000 | $63,000 | $92,000 |
| Collateral | 4 | $529,000 | $132,000 | $277,000 | $57,000 | $99,000 |
| Other | 4 | $427,000 | $106,000 | $181,000 | $76,000 | $137,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $158,000 | $79,000 | $102,000 | $59,000 | $73,000 |
| Unverifiable Information | 1 | $289,000 | $289,000 | $289,000 | $92,000 | $92,000 |
| Credit Application Incomplete | 1 | $140,000 | $140,000 | $140,000 | $43,000 | $43,000 |
| Employment History | 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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