Johnson County, NE Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 194 mortgage applications in Johnson County, NE totaling $14.9 million, about the same as 2008. The average application was for $76,000, and applicants reported an average income of $66,000. 72% of applications resulted in an originated loan and 13% were denied. The most active lender was Mainstreet Bank, with 44 applications, followed by First National Bank of Wahoo and Union Bank and Trust Company.
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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 | 194 |
| Total Mortgage Loan Application Amount | $14,934,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $557,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Mainstreet Bank PO BOX 7 COOK, NE 68329 |
* | $ 88,478,000 | 44 | $ 2,312,000 |
| First National Bank of Wahoo 201 E 5TH ST WAHOO, NE 68066 |
* | $ 108,606,000 | 42 | $ 3,492,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,437,453,000 | 13 | $ 971,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 11 | $ 1,138,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 1,780,198,000 | 11 | $ 285,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,316,406,000 | 10 | $ 786,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 5 | $ 680,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 9,901,044,000 | 4 | $ 399,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 362,421,000 | 4 | $ 359,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 4 | $ 225,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 3 | $ 297,000 |
| State Bank of Table Rock 402 HOUSTON TABLE ROCK, NE 68447 |
* | $ 43,276,000 | 3 | $ 180,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 2,301,637,000 | 3 | $ 247,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 48,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 65,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 2 | $ 120,000 |
| Mutual of Omaha Bank 3333 FARNAM STREET OMAHA, NE 68131 |
* | $ 3,571,304,000 | 2 | $ 127,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 232,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 2 | $ 154,000 |
| Lincoln Federal Savings Bank 1101 N STREET LINCOLN, NE 68508 |
* | $ 348,156,000 | 2 | $ 391,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 87,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 313,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 190,000 |
| Professional Mortgage Services 123 SOUTH 8TH STREET NEBRASKA CITY, NE 68410 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 1 | $ 20,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 79,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 265,022,000 | 1 | $ 72,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 2,246,123,000 | 1 | $ 22,000 |
| Peoples Choice FCU 2500 N STREET LINCOLN, NE 68510 |
* | $ 60,737,000 | 1 | $ 200,000 |
| Stonegate Mortgage Corporation 10412 ALLISONVILLE ROAD SUITE 250 FISHERS, IN 46038 |
* | $ 1,855,000 | 1 | $ 122,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 101,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 718,213,000 | 1 | $ 109,000 |
| Farmers National Bank P.O. BOX 188 CYNTHIANA, KY 41031 |
* | $ 156,855,000 | 1 | $ 38,000 |
| City Bank & Trust Co. 1135 MAIN AVE. CRETE, NE 68333 |
* | $ 272,028,000 | 1 | $ 80,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 686,792,000 | 1 | $ 68,000 |
| Plattsmouth State Bank 446 MAIN STREET PLATTSMOUTH, NE 68048 |
* | $ 80,679,000 | 1 | $ 33,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 194,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 84,000 |
The tables below break down 2009 mortgage applications in Johnson 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 Johnson County, NE in 2009
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 | 125 | $10,950,000 | $87,000 | $485,000 | $67,000 | $557,000 |
| Home Purchase | 39 | $3,189,000 | $81,000 | $380,000 | $57,000 | $188,000 |
| Home Improvement | 30 | $795,000 | $26,000 | $125,000 | $74,000 | $339,000 |
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 | 178 | $13,577,000 | $76,000 | $485,000 | $67,000 | $557,000 |
| Not Provided | 10 | $987,000 | $98,000 | $380,000 | $53,000 | $184,000 |
| Not applicable | 5 | $338,000 | $67,000 | $114,000 | $61,000 | $188,000 |
| Hispanic | 1 | $32,000 | $32,000 | $32,000 | $47,000 | $47,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 169 | $12,619,000 | $74,000 | $485,000 | $69,000 | $557,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,525,000 | $84,000 | $225,000 | $41,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 6 | $722,000 | $120,000 | $190,000 | $48,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $68,000 | $68,000 | $68,000 | $35,000 | $35,000 |
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 | 139 | $10,432,000 | $75,000 | $485,000 | $70,000 | $557,000 |
| Application Denied By Financial Institution | 25 | $1,260,000 | $50,000 | $225,000 | $49,000 | $89,000 |
| Application Withdrawn By Applicant | 11 | $774,000 | $70,000 | $145,000 | $54,000 | $103,000 |
| Loan Purchased By The Institution | 11 | $1,330,000 | $120,000 | $241,000 | $63,000 | $188,000 |
| Application Approved But Not Accepted | 6 | $607,000 | $101,000 | $199,000 | $57,000 | $85,000 |
| File Closed For Incompleteness | 2 | $531,000 | $265,000 | $380,000 | $117,000 | $184,000 |
| 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 | $223,000 | $37,000 | $141,000 | $43,000 | $72,000 |
| Collateral | 4 | $326,000 | $81,000 | $225,000 | $48,000 | $66,000 |
| Debt-To-Income Ratio | 3 | $90,000 | $30,000 | $48,000 | $49,000 | $72,000 |
| Other | 2 | $154,000 | $77,000 | $77,000 | $69,000 | $84,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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