Johnson County, NE Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 87 mortgage applications in Johnson County, NE totaling $10.9 million, down 13% from 2018. The average application was for $124,000, and applicants reported an average income of $75,000. 63% of applications resulted in an originated loan and 8% were denied. The most active lender was Firstbank of Nebraska, with 24 applications, followed by Mainstreet Bank and CMG Mortgage Inc.
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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 | 87 |
| Total Mortgage Loan Application Amount | $10,865,000 |
| Average Mortgage Loan Application Amount | $124,000 |
| Highest Mortgage Loan Application Amount | $445,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $227,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Firstbank of Nebraska 201 E 5TH ST WAHOO, NE 68066 |
* | $ 269,734,000 | 24 | $ 2,390,000 |
| Mainstreet Bank PO BOX 7 COOK, NE 68329 |
* | $ 96,976,000 | 5 | $ 325,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 4 | $ 650,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 4 | $ 760,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 3,715,868,000 | 4 | $ 190,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 3 | $ 125,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 3 | $ 735,000 |
| Cobalt Credit Union 7148 TOWNE CENTER PARKWAY PAPILLION, NE 68046 |
* | $ 1,003,102,000 | 2 | $ 100,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 2 | $ 270,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 318,389,000 | 2 | $ 530,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,149,669,000 | 2 | $ 100,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 611,001,000 | 2 | $ 490,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 563,681,000 | 2 | $ 210,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 2 | $ 400,000 |
| Farmers and Merchants Bank of Ashland 1501 SILVER STREET ASHLAND, NE 68003 |
* | $ 76,306,000 | 1 | $ 15,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 235,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 205,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 275,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 215,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ -1,000 | 1 | $ 35,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 187,387,000 | 1 | $ 65,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 205,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 65,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 215,000 |
| Cornhusker Bank 8310 O STREET LINCOLN, NE 68510 |
* | $ 609,929,000 | 1 | $ 305,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 983,125,000 | 1 | $ 25,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,346,426,000 | 1 | $ 175,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 35,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 185,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 1 | $ 195,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,145,422,000 | 1 | $ 35,000 |
| State Bank of Table Rock 402 HOUSTON TABLE ROCK, NE 68447 |
* | $ 86,406,000 | 1 | $ 35,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 1 | $ 145,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 192,527,000 | 1 | $ 175,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 155,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 806,125,000 | 1 | $ 195,000 |
The tables below break down 2019 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 2019
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 | 45 | $4,945,000 | $109,000 | $305,000 | $70,000 | $219,000 |
| Refinancing | 21 | $3,555,000 | $169,000 | $445,000 | $98,000 | $227,000 |
| Cash-out Refinancing | 9 | $1,605,000 | $178,000 | $325,000 | $87,000 | $208,000 |
| Other Purpose | 7 | $425,000 | $60,000 | $235,000 | $55,000 | $115,000 |
| Home Improvement | 3 | $125,000 | $41,000 | $55,000 | $63,000 | $109,000 |
| Not Applicable | 2 | $210,000 | $105,000 | $145,000 | $0 | $0 |
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 | 72 | $9,090,000 | $126,000 | $325,000 | $73,000 | $227,000 |
| Not Provided | 6 | $910,000 | $151,000 | $445,000 | $113,000 | $208,000 |
| Not applicable | 4 | $570,000 | $142,000 | $215,000 | $0 | $0 |
| Hispanic | 4 | $120,000 | $30,000 | $65,000 | $63,000 | $90,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $92,000 | $92,000 |
| 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) | 69 | $8,345,000 | $120,000 | $445,000 | $77,000 | $227,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,340,000 | $111,000 | $175,000 | $64,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,180,000 | $196,000 | $275,000 | $67,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 55 | $6,435,000 | $117,000 | $305,000 | $76,000 | $227,000 |
| Application Withdrawn By Applicant | 15 | $2,135,000 | $142,000 | $445,000 | $82,000 | $157,000 |
| Loan Purchased By The Institution | 8 | $1,390,000 | $173,000 | $265,000 | $79,000 | $102,000 |
| Application Denied By Financial Institution | 7 | $515,000 | $73,000 | $235,000 | $50,000 | $109,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $325,000 | $325,000 | $325,000 | $87,000 | $87,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 47 | $7,255,000 | $154,000 | $445,000 | $85,000 | $227,000 |
| Debt-To-Income Ratio | 37 | $3,485,000 | $94,000 | $305,000 | $63,000 | $133,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $109,000 | $109,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $26,000 | $26,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $75,000 | $75,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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