Howard County, NE Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 271 mortgage applications in Howard County, NE totaling $39.0 million, up 20% from 2015. The average application was for $144,000, and applicants reported an average income of $80,000. 64% of applications resulted in an originated loan and 21% were denied. The most active lender was West Gate Bank, with 25 applications, followed by Citizens Bank & Trust Company and Home Federal Savings and Loan.
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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 | 271 |
| Total Mortgage Loan Application Amount | $39,039,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $1,551,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $1,089,000 |
* 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 |
|---|---|---|---|---|
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 435,793,000 | 25 | $ 4,337,000 |
| Citizens Bank & Trust Company PO BOX 385, 7217TH STREET ST. PAUL, NE 68873 |
* | $ 163,732,000 | 21 | $ 4,122,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 229,172,000 | 16 | $ 2,421,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 986,321,000 | 13 | $ 1,169,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 11 | $ 1,386,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 11 | $ 1,405,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 10 | $ 1,117,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 9 | $ 1,282,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 9 | $ 1,458,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 222,509,000 | 8 | $ 1,065,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,448,789,000 | 7 | $ 645,000 |
| Exchange Bank 14 LABARRE STREET KEARNEY, NE 68847 |
* | $ 751,152,000 | 7 | $ 1,021,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 7 | $ 394,000 |
| Archer Cooperative Credit Union 2121 ARCHER RD ARCHER, NE 68816 |
* | $ 55,759,000 | 7 | $ 640,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ 602,344,000 | 6 | $ 821,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,302,336,000 | 6 | $ 1,150,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,351,909,000 | 6 | $ 1,863,000 |
| Moria Development Inc 3215 W RAY RD CHANDLER, AZ 85266 |
* | $ 91,862,717,000 | 5 | $ 524,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 5 | $ 601,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 4 | $ 615,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,260,025,000 | 4 | $ 323,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 75,743,098,000 | 4 | $ 257,000 |
| Dundee Bank 5015 UNDERWOOD AVE OMAHA, NE 68132 |
* | $ 192,922,000 | 3 | $ 491,000 |
| Homestead Bank PO BOX 2000 COZAD, NE 69130 |
* | $ 243,127,000 | 3 | $ 747,000 |
| Pathway Bank 306 S HIGH ST PO BOX 428 CAIRO, NE 68824 |
* | $ 137,933,000 | 3 | $ 753,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 602,453,000 | 3 | $ 529,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 200,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 526,000 |
| Bank of Doniphan 118 PLUM STREET D, NE 68832 |
* | $ 101,359,000 | 2 | $ 129,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 361,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 2 | $ 186,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 48,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,077,735,000 | 2 | $ 542,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 400,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 34,593,007,000 | 1 | $ 122,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 129,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Western National Bank 401 MAIN STREET SUMMERFIELD, KS 66541 |
* | $ 79,062,000 | 1 | $ 264,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 140,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 1 | $ 15,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 189,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 64,000 |
| City Bank & Trust Co. 1135 MAIN AVE. CRETE, NE 68333 |
* | $ 157,272,000 | 1 | $ 230,000 |
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ 115,046,000 | 1 | $ 376,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 117,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 5,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 257,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 51,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 115,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 36,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 257,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 291,925,000 | 1 | $ 49,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 6,656,748,000 | 1 | $ 119,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 59,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 133,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 257,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 137,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 146,000 |
The tables below break down 2016 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 2016
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 | 130 | $21,460,000 | $165,000 | $1,551,000 | $79,000 | $1,089,000 |
| Home Purchase | 110 | $15,540,000 | $141,000 | $520,000 | $78,000 | $464,000 |
| Home Improvement | 31 | $2,039,000 | $65,000 | $260,000 | $92,000 | $203,000 |
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 | 236 | $34,220,000 | $145,000 | $1,551,000 | $87,000 | $1,089,000 |
| Not applicable | 19 | $2,988,000 | $157,000 | $425,000 | $2,000 | $40,000 |
| Not Provided | 9 | $1,039,000 | $115,000 | $233,000 | $92,000 | $145,000 |
| Hispanic | 4 | $502,000 | $125,000 | $181,000 | $32,000 | $81,000 |
| Asian | 2 | $200,000 | $100,000 | $100,000 | $0 | $0 |
| Black or African American | 1 | $90,000 | $90,000 | $90,000 | $135,000 | $135,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 219 | $32,442,000 | $148,000 | $1,551,000 | $89,000 | $1,089,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,556,000 | $122,000 | $305,000 | $49,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,437,000 | $174,000 | $269,000 | $31,000 | $92,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $604,000 | $67,000 | $101,000 | $37,000 | $67,000 |
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 | 173 | $26,256,000 | $151,000 | $1,551,000 | $91,000 | $1,089,000 |
| Application Denied By Financial Institution | 57 | $7,068,000 | $124,000 | $309,000 | $72,000 | $256,000 |
| Loan Purchased By The Institution | 15 | $2,168,000 | $144,000 | $269,000 | $16,000 | $92,000 |
| Application Withdrawn By Applicant | 14 | $1,618,000 | $115,000 | $268,000 | $77,000 | $181,000 |
| Application Approved But Not Accepted | 7 | $956,000 | $136,000 | $230,000 | $52,000 | $98,000 |
| File Closed For Incompleteness | 5 | $973,000 | $194,000 | $264,000 | $55,000 | $104,000 |
| 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 | $1,122,000 | $160,000 | $294,000 | $92,000 | $144,000 |
| Credit History | 7 | $381,000 | $54,000 | $174,000 | $62,000 | $145,000 |
| Debt-To-Income Ratio | 6 | $924,000 | $154,000 | $292,000 | $55,000 | $101,000 |
| Credit Application Incomplete | 3 | $303,000 | $101,000 | $158,000 | $115,000 | $195,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $67,000 | $67,000 | $67,000 | $37,000 | $37,000 |
| Unverifiable Information | 1 | $262,000 | $262,000 | $262,000 | $91,000 | $91,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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