Johnson County, NE Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 160 mortgage applications in Johnson County, NE totaling $13.5 million, down 18% from 2009. The average application was for $84,000, and applicants reported an average income of $64,000. 74% of applications resulted in an originated loan and 11% were denied. The most active lender was Mainstreet Bank, with 27 applications, followed by First National Bank of Wahoo and American National Bank.
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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 | 160 |
| Total Mortgage Loan Application Amount | $13,466,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $394,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $357,000 |
| 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 |
* | $ 85,119,000 | 27 | $ 1,879,000 |
| First National Bank of Wahoo 201 E 5TH ST WAHOO, NE 68066 |
* | $ 114,336,000 | 26 | $ 2,821,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 1,655,960,000 | 22 | $ 942,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 15 | $ 1,559,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 9 | $ 665,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 5,332,471,000 | 7 | $ 459,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,574,801,000 | 6 | $ 252,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 6 | $ 694,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 8,806,851,000 | 3 | $ 302,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 3 | $ 186,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 226,000 |
| Professional Mortgage Services 123 SOUTH 8TH STREET NEBRASKA CITY, NE 68410 |
* | $ 10,000,000 | 3 | $ 195,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 2,538,702,000 | 2 | $ 420,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 207,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 207,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 2 | $ 438,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 426,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 135,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 2 | $ 227,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 98,000 |
| Cornhusker Bank P O BOX 80009 LINCOLN, NE 68501 |
* | $ 328,516,000 | 2 | $ 106,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 700,768,000 | 1 | $ 42,000 |
| State Bank of Table Rock 402 HOUSTON TABLE ROCK, NE 68447 |
* | $ 52,105,000 | 1 | $ 41,000 |
| First Community Bank 2945 S. 132ND ST. OMAHA, NE 68144 |
* | $ 58,289,000 | 1 | $ 35,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 171,139,000 | 1 | $ 121,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 466,062,000 | 1 | $ 55,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 182,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 283,244,000 | 1 | $ 90,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ 163,743,000 | 1 | $ 50,000 |
| Heartland Community Bank 107 N ELM PO BOX 186 WEEPING WATER, NE 68463 |
* | $ 47,006,000 | 1 | $ 47,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 69,000 |
| Lincoln Federal Savings Bank 1101 N STREET LINCOLN, NE 68508 |
* | $ 356,304,000 | 1 | $ 162,000 |
The tables below break down 2010 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 2010
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 | 100 | $9,606,000 | $96,000 | $394,000 | $69,000 | $357,000 |
| Home Purchase | 38 | $3,323,000 | $87,000 | $275,000 | $56,000 | $200,000 |
| Home Improvement | 22 | $537,000 | $24,000 | $151,000 | $57,000 | $112,000 |
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 | 149 | $12,572,000 | $84,000 | $394,000 | $66,000 | $357,000 |
| Hispanic | 4 | $232,000 | $58,000 | $182,000 | $38,000 | $48,000 |
| Not applicable | 3 | $287,000 | $95,000 | $133,000 | $0 | $0 |
| Not Provided | 3 | $329,000 | $109,000 | $114,000 | $71,000 | $110,000 |
| Asian | 1 | $46,000 | $46,000 | $46,000 | $35,000 | $35,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian 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) | 127 | $10,619,000 | $83,000 | $394,000 | $71,000 | $357,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,521,000 | $89,000 | $182,000 | $43,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,033,000 | $93,000 | $165,000 | $35,000 | $182,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $293,000 | $58,000 | $67,000 | $31,000 | $37,000 |
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 | 118 | $10,213,000 | $86,000 | $394,000 | $70,000 | $357,000 |
| Application Denied By Financial Institution | 18 | $1,056,000 | $58,000 | $260,000 | $56,000 | $170,000 |
| Loan Purchased By The Institution | 16 | $1,584,000 | $99,000 | $182,000 | $42,000 | $143,000 |
| Application Approved But Not Accepted | 5 | $367,000 | $73,000 | $125,000 | $44,000 | $66,000 |
| Application Withdrawn By Applicant | 3 | $246,000 | $82,000 | $114,000 | $41,000 | $52,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4 | $149,000 | $37,000 | $66,000 | $38,000 | $75,000 |
| Debt-To-Income Ratio | 3 | $211,000 | $70,000 | $143,000 | $88,000 | $120,000 |
| Collateral | 2 | $50,000 | $25,000 | $45,000 | $49,000 | $52,000 |
| Credit Application Incomplete | 1 | $98,000 | $98,000 | $98,000 | $112,000 | $112,000 |
| 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 |
| Other | 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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