Howard County, NE Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 225 mortgage applications in Howard County, NE totaling $35.5 million, down 5% from 2014. The average application was for $157,000, and applicants reported an average income of $79,000. 64% of applications resulted in an originated loan and 15% were denied. The most active lender was Equitable Bank, with 16 applications, followed by First National Bank of Omaha 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 | 225 |
| Total Mortgage Loan Application Amount | $35,549,000 |
| Average Mortgage Loan Application Amount | $157,000 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $686,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 197,036,000 | 16 | $ 2,780,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 17,377,985,000 | 15 | $ 1,936,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 13 | $ 1,503,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 13 | $ 2,865,000 |
| Citizens Bank & Trust Company PO BOX 385, 7217TH STREET ST. PAUL, NE 68873 |
* | $ 153,475,000 | 11 | $ 2,709,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 397,763,000 | 11 | $ 1,619,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 10 | $ 1,459,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ 606,982,000 | 9 | $ 847,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 9 | $ 460,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 424,173,000 | 9 | $ 1,545,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 967,592,000 | 9 | $ 924,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,040,462,000 | 7 | $ 714,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 235,503,000 | 7 | $ 954,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 543,829,000 | 6 | $ 447,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 5 | $ 751,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ 10,000,000 | 5 | $ 358,000 |
| Archer Cooperative Credit Union 2121 ARCHER RD ARCHER, NE 68816 |
* | $ 58,570,000 | 5 | $ 372,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,037,913,000 | 4 | $ 953,000 |
| Homestead Bank PO BOX 2000 COZAD, NE 69130 |
* | $ 264,062,000 | 4 | $ 419,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,394,500,000 | 4 | $ 514,000 |
| Cobalt Credit Union 7148 TOWNE CENTER PARKWAY PAPILLION, NE 68046 |
* | $ 759,389,000 | 3 | $ 99,000 |
| Exchange Bank 14 LABARRE STREET KEARNEY, NE 68847 |
* | $ 673,073,000 | 3 | $ 174,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 314,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 3 | $ 192,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 2,189,966,000 | 2 | $ 151,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 174,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,636,848,000 | 2 | $ 5,022,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 2 | $ 160,000 |
| Pathway Bank 306 S HIGH ST PO BOX 428 CAIRO, NE 68824 |
* | $ 134,894,000 | 2 | $ 890,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 269,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 314,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 183,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 286,834,000 | 1 | $ 39,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 96,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 90,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 130,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 55,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 76,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,104,082,000 | 1 | $ 750,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 83,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 40,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 1 | $ 87,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 99,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 228,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 234,000 |
The tables below break down 2015 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 2015
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 | 105 | $20,517,000 | $195,000 | $5,000,000 | $84,000 | $686,000 |
| Home Purchase | 96 | $13,352,000 | $139,000 | $336,000 | $70,000 | $282,000 |
| Home Improvement | 24 | $1,680,000 | $70,000 | $265,000 | $89,000 | $306,000 |
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 | 193 | $27,245,000 | $141,000 | $750,000 | $86,000 | $686,000 |
| Not applicable | 16 | $6,787,000 | $424,000 | $5,000,000 | $11,000 | $183,000 |
| Not Provided | 9 | $937,000 | $104,000 | $227,000 | $58,000 | $118,000 |
| American Indian or Alaskan Native | 4 | $218,000 | $54,000 | $65,000 | $25,000 | $42,000 |
| Hispanic | 2 | $257,000 | $128,000 | $181,000 | $59,000 | $86,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $72,000 | $72,000 |
| Black or African American | 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) | 176 | $30,163,000 | $171,000 | $5,000,000 | $86,000 | $686,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,080,000 | $102,000 | $234,000 | $51,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,181,000 | $98,000 | $179,000 | $31,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,125,000 | $160,000 | $255,000 | $81,000 | $150,000 |
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 | 144 | $25,140,000 | $174,000 | $5,000,000 | $85,000 | $686,000 |
| Application Denied By Financial Institution | 34 | $4,652,000 | $136,000 | $314,000 | $79,000 | $306,000 |
| Loan Purchased By The Institution | 22 | $3,100,000 | $140,000 | $274,000 | $34,000 | $122,000 |
| Application Withdrawn By Applicant | 14 | $1,535,000 | $109,000 | $300,000 | $72,000 | $228,000 |
| Application Approved But Not Accepted | 6 | $648,000 | $108,000 | $240,000 | $113,000 | $166,000 |
| File Closed For Incompleteness | 5 | $474,000 | $94,000 | $234,000 | $61,000 | $126,000 |
| 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 | 6 | $497,000 | $82,000 | $155,000 | $66,000 | $113,000 |
| Collateral | 5 | $781,000 | $156,000 | $314,000 | $75,000 | $119,000 |
| Credit Application Incomplete | 3 | $228,000 | $76,000 | $99,000 | $15,000 | $36,000 |
| Debt-To-Income Ratio | 3 | $452,000 | $150,000 | $185,000 | $34,000 | $70,000 |
| Unverifiable Information | 2 | $153,000 | $76,000 | $88,000 | $39,000 | $42,000 |
| Other | 1 | $180,000 | $180,000 | $180,000 | $132,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $91,000 | $91,000 | $91,000 | $77,000 | $77,000 |
| Mortgage Insurance Denied | 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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