Jefferson County, NE Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 226 mortgage applications in Jefferson County, NE totaling $22.9 million, up 18% from 2015. The average application was for $101,000, and applicants reported an average income of $55,000. 56% of applications resulted in an originated loan and 22% were denied. The most active lender was Union Bank and Trust Company, with 37 applications, followed by American National Bank and First National Bank of Omaha.
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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 | $22,939,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $2,350,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $454,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,351,909,000 | 37 | $ 2,735,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 2,957,377,000 | 29 | $ 1,791,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,260,025,000 | 12 | $ 461,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 10 | $ 858,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 9 | $ 898,000 |
| First Mortgage Solutions, LLC 9237 WARD PARKWAY, SUITE 300 KANSAS CITY, MO 64114 |
* | $ 5,324,994,000 | 9 | $ 1,246,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 9 | $ 1,133,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 435,793,000 | 9 | $ 893,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 8 | $ 484,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,302,336,000 | 6 | $ 448,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 4 | $ 423,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 340,000 |
| Firstbank of Nebraska 201 E 5TH ST WAHOO, NE 68066 |
* | $ 222,834,000 | 4 | $ 360,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 4 | $ 322,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 212,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 381,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 281,316,000 | 3 | $ 462,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 167,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 182,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 621,016,000 | 2 | $ 82,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 2 | $ 110,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 2 | $ 341,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 2 | $ 318,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 280,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 256,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 116,746,000 | 2 | $ 158,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 448,126,000 | 2 | $ 383,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 2 | $ 254,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 2 | $ 228,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 2 | $ 223,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 160,000 |
| Lake Area Bank 12790 FIRST AVE N - PO BOX 743 LINDSTROM, MN 55045 |
* | $ 287,252,000 | 1 | $ 184,000 |
| City Bank & Trust Co. 1135 MAIN AVE. CRETE, NE 68333 |
* | $ 157,272,000 | 1 | $ 83,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 45,000 |
| Midstates Bank NA 1851 MADISON AVE., STE. 732 COUNCIL BLUFFS, IA 51503 |
* | $ 397,621,000 | 1 | $ 2,350,000 |
| First Bank of Utica 785 D STREET UTICA, NE 68456 |
* | $ 67,294,000 | 1 | $ 39,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ 204,215,000 | 1 | $ 143,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 236,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Cornhusker Bank 8310 O STREET LINCOLN, NE 68510 |
* | $ 468,577,000 | 1 | $ 40,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 866,511,000 | 1 | $ 965,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 76,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 144,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 86,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 34,000 |
| Mainstreet Bank PO BOX 7 COOK, NE 68329 |
* | $ 89,676,000 | 1 | $ 98,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 45,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 64,000 |
| Moria Development Inc 3215 W RAY RD CHANDLER, AZ 85266 |
* | $ 91,862,717,000 | 1 | $ 27,000 |
The tables below break down 2016 mortgage applications in Jefferson 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 Jefferson 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 102 | $8,427,000 | $82,000 | $246,000 | $42,000 | $194,000 |
| Refinancing | 85 | $12,184,000 | $143,000 | $2,350,000 | $69,000 | $454,000 |
| Home Improvement | 39 | $2,328,000 | $59,000 | $236,000 | $61,000 | $146,000 |
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 | 175 | $17,505,000 | $100,000 | $2,350,000 | $63,000 | $454,000 |
| Not applicable | 31 | $3,599,000 | $116,000 | $965,000 | $9,000 | $80,000 |
| Not Provided | 14 | $1,402,000 | $100,000 | $230,000 | $54,000 | $90,000 |
| Hispanic | 3 | $297,000 | $99,000 | $115,000 | $113,000 | $137,000 |
| Asian | 2 | $74,000 | $37,000 | $71,000 | $29,000 | $29,000 |
| Black or African American | 1 | $62,000 | $62,000 | $62,000 | $24,000 | $24,000 |
| 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) | 156 | $15,923,000 | $102,000 | $2,350,000 | $63,000 | $454,000 |
| FHA-insured (Federal Housing Administration) | 46 | $4,075,000 | $88,000 | $211,000 | $37,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,878,000 | $156,000 | $965,000 | $33,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,063,000 | $88,000 | $168,000 | $46,000 | $91,000 |
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 | 126 | $14,406,000 | $114,000 | $2,350,000 | $65,000 | $454,000 |
| Application Denied By Financial Institution | 49 | $4,234,000 | $86,000 | $230,000 | $50,000 | $146,000 |
| Loan Purchased By The Institution | 29 | $2,912,000 | $100,000 | $236,000 | $27,000 | $300,000 |
| Application Withdrawn By Applicant | 10 | $826,000 | $82,000 | $180,000 | $43,000 | $80,000 |
| Application Approved But Not Accepted | 9 | $289,000 | $32,000 | $72,000 | $63,000 | $90,000 |
| File Closed For Incompleteness | 3 | $272,000 | $90,000 | $106,000 | $19,000 | $57,000 |
| 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 | 10 | $463,000 | $46,000 | $176,000 | $44,000 | $116,000 |
| Debt-To-Income Ratio | 7 | $473,000 | $67,000 | $153,000 | $31,000 | $90,000 |
| Collateral | 5 | $426,000 | $85,000 | $176,000 | $51,000 | $86,000 |
| Credit Application Incomplete | 2 | $287,000 | $143,000 | $217,000 | $44,000 | $68,000 |
| Other | 1 | $129,000 | $129,000 | $129,000 | $52,000 | $52,000 |
| Employment History | 1 | $161,000 | $161,000 | $161,000 | $75,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $37,000 | $37,000 | $37,000 | $38,000 | $38,000 |
| 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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