Knox County, NE Mortgage Lenders & HMDA Data, 2010

In 2010, lenders reported 172 mortgage applications in Knox County, NE totaling $19.8 million, down 11% from 2009. The average application was for $114,000, and applicants reported an average income of $98,000. 53% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank, NA, with 38 applications, followed by First National Bank of Omaha and Pinnacle Bank.

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Total Number of Mortgage Applications 172
Total Mortgage Loan Application Amount $19,759,000
Average Mortgage Loan Application Amount $114,000
Highest Mortgage Loan Application Amount $1,454,000
Average Applicant Income $98,000
Highest Applicant Income $965,000

Mortgage Company List for Lending in Knox County, NE for 2010

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,778,000,000 38 $ 3,329,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 8,806,851,000 12 $ 1,188,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ 2,538,702,000 12 $ 2,742,000
Security National Bank
202 E. 2ND STREET
LAUREL, NE 68745
* $ 135,675,000 10 $ 736,000
Great Western Bank
35 1ST AVE NE
WATERTOWN, SD 57201
* $ 5,332,471,000 9 $ 635,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,465,221,449,000 8 $ 644,000
Farm Credit Services of America, Flca
5015 S 118TH ST
OMAHA, NE 68137
* $ 10,000,000 8 $ 1,161,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 833,054,000 7 $ 842,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 276,376,130,000 5 $ 755,000
First Dakota National Bak
225 CEDAR ST
YANKTON, SD 57078
* $ 754,492,000 5 $ 1,754,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 164,340,844,000 5 $ 561,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,627,684,000,000 4 $ 285,000
First Nebraska Bank
330 N. SPRUCE STREET, PO BOX 315
VALLEY, NE 68064
* $ 171,139,000 3 $ 173,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 3 $ 250,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 5,122,657,000 3 $ 89,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 3 $ 160,000
Union Bank and Trust Company
PO BOX 82535
LINCOLN, NE 68501
* $ 2,574,801,000 3 $ 399,000
Home Federal Bank
P.O. BOX 5000
SIOUX FALLS, SD 57117
* $ 1,172,597,000 3 $ 333,000
Bank 360
P.O. BOX 791
BERESFORD, SD 57004
* $ 44,900,000 2 $ 365,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 283,244,000 2 $ 394,000
American National Bank
8990 WEST DODGE RD
OMAHA, NE 68114
* $ 1,655,960,000 2 $ 161,000
Bank of the West
1977 SATURN STREET MS SC-MPK-03-N
MONTEREY PARK, CA 91755
* $ 60,000,590,000 2 $ 120,000
First Nat'l Bank of S Dakota
332 BROADWAY
YANKTON, SD 57078
* $ 431,370,000 2 $ 405,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 14,106,965,000 2 $ 133,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ 10,000,000 2 $ 160,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 376,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ 77,551,000 1 $ 151,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 90,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 79,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 95,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 708,191,000 1 $ 163,000
BNC National Bank

BISMARCK, ND 58501
* $ 866,920,000 1 $ 82,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 17,832,340,000 1 $ 47,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,157,711,000 1 $ 140,000
Charles Schwab Bank
211 MAIN STREET
SAN FRANCISCO, CA 94105
* $ 43,242,751,000 1 $ 135,000
Iowa - Nebraska State Bank
2021 DAKOTA AVENUE
SOUTH SIOUX CITY, NE 68776
* $ 201,815,000 1 $ 110,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 1 $ 39,000
Frontier Bank
17002 MARCY ST, STE 120
OMAHA, NE 68154
* $ 93,195,000 1 $ 270,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,483,100,000 1 $ 117,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 42,000

The tables below break down 2010 mortgage applications in Knox 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 Knox 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 99 $12,639,000 $127,000 $1,454,000 $101,000 $965,000
Home Purchase 56 $6,225,000 $111,000 $432,000 $99,000 $483,000
Home Improvement 17 $895,000 $52,000 $188,000 $79,000 $260,000

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 152 $17,921,000 $117,000 $1,454,000 $105,000 $965,000
Not Provided 9 $456,000 $50,000 $97,000 $45,000 $92,000
Not applicable 7 $1,108,000 $158,000 $475,000 $35,000 $83,000
American Indian or Alaskan Native 3 $158,000 $52,000 $95,000 $46,000 $74,000
Black or African American 1 $116,000 $116,000 $116,000 $70,000 $70,000
Hispanic 0 $0 $0 $0 $0 $0
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
Asian 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) 128 $14,570,000 $113,000 $663,000 $109,000 $965,000
FHA-insured (Federal Housing Administration) 29 $2,458,000 $84,000 $276,000 $50,000 $89,000
VA-guaranteed (Veterans Administration) 9 $781,000 $86,000 $163,000 $54,000 $98,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $1,950,000 $325,000 $1,454,000 $175,000 $822,000

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 92 $11,342,000 $123,000 $663,000 $121,000 $965,000
Application Denied By Financial Institution 30 $3,638,000 $121,000 $1,454,000 $74,000 $822,000
Loan Purchased By The Institution 24 $2,406,000 $100,000 $215,000 $71,000 $260,000
Application Withdrawn By Applicant 13 $986,000 $75,000 $276,000 $54,000 $78,000
Application Approved But Not Accepted 8 $726,000 $90,000 $144,000 $74,000 $152,000
File Closed For Incompleteness 5 $661,000 $132,000 $325,000 $102,000 $298,000
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 $2,022,000 $202,000 $1,454,000 $124,000 $822,000
Debt-To-Income Ratio 6 $608,000 $101,000 $192,000 $36,000 $74,000
Other 3 $174,000 $58,000 $80,000 $62,000 $75,000
Unverifiable Information 2 $111,000 $55,000 $79,000 $54,000 $71,000
Collateral 2 $219,000 $109,000 $141,000 $62,000 $64,000
Credit Application Incomplete 2 $213,000 $106,000 $116,000 $50,000 $70,000
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

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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