Jefferson County, NE Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 147 mortgage applications in Jefferson County, NE totaling $11.5 million, down 35% from 2016. The average application was for $78,000, and applicants reported an average income of $56,000. 54% of applications resulted in an originated loan and 18% were denied. The most active lender was Union Bank and Trust Company, with 19 applications, followed by American National Bank and Wells Fargo Bank NA.
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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 | 147 |
| Total Mortgage Loan Application Amount | $11,543,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $352,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $639,000 |
| 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 |
* | $ 3,595,637,000 | 19 | $ 1,279,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 3,311,062,000 | 18 | $ 576,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 15 | $ 1,395,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 489,376,000 | 10 | $ 1,105,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 8 | $ 544,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 6 | $ 477,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,372,911,000 | 6 | $ 475,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 4 | $ 281,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 613,505,000 | 4 | $ 119,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 385,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,938,350,000 | 3 | $ 309,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 3 | $ 200,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 2 | $ 242,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 2 | $ 87,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 2 | $ 85,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 189,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 1 | $ 200,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 165,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 1 | $ 63,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 161,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 1 | $ 33,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 462,452,000 | 1 | $ 99,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ -1,000 | 1 | $ 61,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 21,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 63,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 127,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 252,204,000 | 1 | $ 17,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 88,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 110,000 |
| First Nebraska Credit Union 10655 BEDFORD AVE OMAHA, NE 68134 |
* | $ 120,253,000 | 1 | $ 10,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 55,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 84,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 87,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ 223,662,000 | 1 | $ 76,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 72,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 95,000 |
| Cornhusker Bank 8310 O STREET LINCOLN, NE 68510 |
* | $ 491,926,000 | 1 | $ 147,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 161,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 280,899,000 | 1 | $ 20,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 1 | $ 126,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 88,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 104,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 932,952,000 | 1 | $ 102,000 |
| Access Bank 8712 WEST DODGE ROAD OMAHA, NE 68114 |
* | $ 323,092,000 | 1 | $ 350,000 |
The tables below break down 2017 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 2017
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 | 76 | $6,120,000 | $80,000 | $352,000 | $49,000 | $203,000 |
| Refinancing | 44 | $4,267,000 | $96,000 | $350,000 | $66,000 | $639,000 |
| Home Improvement | 27 | $1,156,000 | $42,000 | $165,000 | $60,000 | $151,000 |
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 | 113 | $9,021,000 | $79,000 | $352,000 | $61,000 | $203,000 |
| Not applicable | 22 | $1,555,000 | $70,000 | $118,000 | $38,000 | $639,000 |
| Not Provided | 7 | $599,000 | $85,000 | $196,000 | $54,000 | $109,000 |
| Black or African American | 2 | $97,000 | $48,000 | $92,000 | $59,000 | $59,000 |
| Hispanic | 2 | $144,000 | $72,000 | $76,000 | $36,000 | $50,000 |
| American Indian or Alaskan Native | 1 | $127,000 | $127,000 | $127,000 | $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) | 99 | $7,757,000 | $78,000 | $352,000 | $65,000 | $639,000 |
| FHA-insured (Federal Housing Administration) | 24 | $1,753,000 | $73,000 | $137,000 | $40,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,366,000 | $91,000 | $189,000 | $48,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $667,000 | $74,000 | $138,000 | $20,000 | $45,000 |
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 | 80 | $5,966,000 | $74,000 | $352,000 | $67,000 | $639,000 |
| Application Denied By Financial Institution | 27 | $1,879,000 | $69,000 | $200,000 | $57,000 | $168,000 |
| Loan Purchased By The Institution | 20 | $1,347,000 | $67,000 | $118,000 | $12,000 | $80,000 |
| Application Withdrawn By Applicant | 14 | $1,915,000 | $136,000 | $350,000 | $65,000 | $120,000 |
| Application Approved But Not Accepted | 5 | $364,000 | $72,000 | $127,000 | $39,000 | $74,000 |
| File Closed For Incompleteness | 1 | $72,000 | $72,000 | $72,000 | $57,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 6 | $370,000 | $61,000 | $171,000 | $55,000 | $116,000 |
| Credit History | 4 | $168,000 | $42,000 | $99,000 | $90,000 | $151,000 |
| Debt-To-Income Ratio | 3 | $136,000 | $45,000 | $64,000 | $44,000 | $60,000 |
| Credit Application Incomplete | 1 | $56,000 | $56,000 | $56,000 | $34,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $150,000 | $150,000 | $150,000 | $106,000 | $106,000 |
| Other | 1 | $50,000 | $50,000 | $50,000 | $168,000 | $168,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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