Horizon Bank Mortgage Lending & HMDA Data, 2019
In 2019, Horizon Bank of Waverly, NE reported 31 mortgage applications totaling $22.7 million, down 24% from 2018. The average application was for $732,419, and applicants reported an average income of $72,033. 90% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Lincoln, NE (6), Omaha-Council Bluffs, NE-IA (2) and Sioux Falls, SD (2) (applications in parentheses).
| Mortgage Company & Address | Horizon Bank 10841 N 142nd Street Waverly, NE 68462 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 31 |
| Total Mortgage Loan Application Amount | $22,705,000 |
| Average Mortgage Loan Application Amount | $732,419 |
| Highest Mortgage Loan Application Amount | $3,805,000 |
| Average Applicant Income | $72,033 |
| Highest Applicant Income | $107,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Horizon Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 10 | $ 3,990,000 | $ 399,000 | $ 46,000 |
| Lincoln, NE | 6 | $ 540,000 | $ 90,000 | $ 72,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 900,000 | $ 450,000 | $ 0 |
| Sioux Falls, SD | 2 | $ 1,690,000 | $ 845,000 | $ 0 |
| Wichita, KS | 2 | $ 670,000 | $ 335,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Cheyenne, WY | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 2,405,000 | $ 2,405,000 | $ 0 |
| Lawrence, KS | 1 | $ 2,385,000 | $ 2,385,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 3,805,000 | $ 3,805,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 2,575,000 | $ 2,575,000 | $ 0 |
| Rapid City, SD | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Tulsa, OK | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
Mortgage Loan Application Detail Totals for Horizon Bank 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 | 25 | $22,105,000 | $884,000 | $3,805,000 | $76,000 | $99,000 |
| Cash-out Refinancing | 2 | $290,000 | $145,000 | $245,000 | $35,000 | $35,000 |
| Home Improvement | 2 | $100,000 | $50,000 | $85,000 | $42,000 | $55,000 |
| Other Purpose | 1 | $15,000 | $15,000 | $15,000 | $107,000 | $107,000 |
| Refinancing | 1 | $195,000 | $195,000 | $195,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 24 | $22,270,000 | $927,000 | $3,805,000 | $0 | $0 |
| White | 7 | $435,000 | $62,000 | $165,000 | $65,000 | $107,000 |
| Not Provided | 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 |
| Hispanic | 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) | 31 | $22,705,000 | $732,000 | $3,805,000 | $65,000 | $107,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 28 | $22,400,000 | $800,000 | $3,805,000 | $52,000 | $107,000 |
| Application Approved But Not Accepted | 2 | $250,000 | $125,000 | $165,000 | $77,000 | $99,000 |
| Application Denied By Financial Institution | 1 | $55,000 | $55,000 | $55,000 | $93,000 | $93,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 31 | $22,705,000 | $732,000 | $3,805,000 | $65,000 | $107,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Horizon Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Horizon Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.
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