In 2015, lenders reported 843 mortgage applications in Madison County, NE totaling $100.7 million, up 18% from 2014. The average application was for $119,000, and applicants reported an average income of $71,000. 50% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank NA, with 132 applications, followed by US Bank, N.A. and Central 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 | 843 |
| Total Mortgage Loan Application Amount | $100,652,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $1,477,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 132 | $ 14,366,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 122 | $ 11,118,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 890,389,000 | 110 | $ 15,593,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 17,377,985,000 | 71 | $ 8,197,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 397,763,000 | 43 | $ 7,737,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 318,272,000 | 31 | $ 2,892,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,037,913,000 | 25 | $ 3,750,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 18 | $ 1,342,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 16 | $ 1,790,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 14 | $ 1,893,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 12 | $ 1,452,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 543,829,000 | 12 | $ 969,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 11 | $ 1,119,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 277,133,000 | 10 | $ 1,339,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 10 | $ 1,196,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 7 | $ 901,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 7 | $ 676,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,040,462,000 | 7 | $ 1,024,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 7 | $ 1,286,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ 0 | 6 | $ 763,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 6 | $ 612,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 401,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 858,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 166,793,000 | 5 | $ 453,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,636,848,000 | 5 | $ 893,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 5 | $ 647,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 4 | $ 103,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 491,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 431,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 4 | $ 483,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,394,500,000 | 4 | $ 581,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 760,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 4 | $ 378,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 371,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 386,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 3 | $ 52,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 146,069,000 | 3 | $ 428,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 3 | $ 511,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 167,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 246,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 2 | $ 37,000 |
| Metro Credit Union 14517 F STREET SUITE 211 OMAHA, NE 68137 |
* | $ 248,040,000 | 2 | $ 98,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 2 | $ 130,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 2 | $ 356,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 2 | $ 190,000 |
| Foundation One Bank 4141 N 156TH ST SUITE 101 OMAHA, NE 68116 |
* | $ 68,656,000 | 2 | $ 397,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 284,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 2 | $ 298,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 468,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 2 | $ 64,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 136,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 295,168,000 | 1 | $ 122,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 421,354,000 | 1 | $ 114,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 118,869,000 | 1 | $ 20,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 479,751,000 | 1 | $ 306,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 425,492,000 | 1 | $ 137,000 |
| Central Bank of Boone County 720 E. BROADWAY COLUMBIA, MO 65201 |
* | $ 1,448,928,000 | 1 | $ 130,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 125,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 148,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Bank of Colorado 1609 EAST HARMONY RD FORT COLLINS, CO 80525 |
* | $ 2,732,217,000 | 1 | $ 259,000 |
| Bank of Nebraska 7223 SOUTH 84TH ST. LAVISTA, NE 68128 |
* | $ 134,627,000 | 1 | $ 74,000 |
| Iowa - Nebraska State Bank 2021 DAKOTA AVENUE SOUTH SIOUX CITY, NE 68776 |
* | $ 204,838,000 | 1 | $ 200,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 142,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 22,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 213,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 968,312,000 | 1 | $ 59,000 |
| Dundee Mortgage LLC 5015 UNDERWOOD AVENUE OMAHA, NE 68132 |
* | $ 112,198,000 | 1 | $ 89,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 664,052,000 | 1 | $ 20,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 424,173,000 | 1 | $ 223,000 |
| Cornhusker Bank 8310 O STREET LINCOLN, NE 68510 |
* | $ 450,768,000 | 1 | $ 98,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,104,082,000 | 1 | $ 400,000 |
| Jones National Bank and Trust Company of Seward, the PO BOX 469, 203 S 6TH ST SEWARD, NE 68434 |
* | $ 234,728,000 | 1 | $ 124,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 196,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 66,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 96,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 182,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 727,505,000 | 1 | $ 150,000 |
| Home Federal Bank 225 S MAIN SIOUX FALLS, SD 57104 |
* | $ 1,261,060,000 | 1 | $ 139,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 1 | $ 101,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 155,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 160,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 136,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 127,000 |
The tables below break down 2015 mortgage applications in Madison County, NE by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 438 | $55,855,000 | $127,000 | $560,000 | $65,000 | $1,477,000 |
| Refinancing | 319 | $40,920,000 | $128,000 | $1,315,000 | $79,000 | $688,000 |
| Home Improvement | 86 | $3,877,000 | $45,000 | $306,000 | $73,000 | $384,000 |
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 | 607 | $78,431,000 | $129,000 | $1,315,000 | $87,000 | $1,477,000 |
| Not applicable | 117 | $12,129,000 | $103,000 | $550,000 | $2,000 | $78,000 |
| Hispanic | 60 | $4,057,000 | $67,000 | $225,000 | $40,000 | $147,000 |
| Not Provided | 46 | $4,590,000 | $99,000 | $560,000 | $75,000 | $302,000 |
| Asian | 5 | $610,000 | $122,000 | $206,000 | $45,000 | $81,000 |
| Black or African American | 4 | $351,000 | $87,000 | $182,000 | $49,000 | $107,000 |
| American Indian or Alaskan Native | 4 | $484,000 | $121,000 | $268,000 | $54,000 | $72,000 |
| 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) | 589 | $71,114,000 | $120,000 | $1,004,000 | $84,000 | $1,477,000 |
| FHA-insured (Federal Housing Administration) | 106 | $12,508,000 | $118,000 | $268,000 | $52,000 | $479,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 98 | $10,394,000 | $106,000 | $1,315,000 | $19,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 50 | $6,636,000 | $132,000 | $281,000 | $57,000 | $324,000 |
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 | 421 | $53,729,000 | $127,000 | $1,315,000 | $82,000 | $1,477,000 |
| Loan Purchased By The Institution | 214 | $27,230,000 | $127,000 | $417,000 | $44,000 | $462,000 |
| Application Denied By Financial Institution | 119 | $10,755,000 | $90,000 | $560,000 | $77,000 | $1,145,000 |
| Application Withdrawn By Applicant | 44 | $5,337,000 | $121,000 | $302,000 | $80,000 | $479,000 |
| Application Approved But Not Accepted | 28 | $2,058,000 | $73,000 | $174,000 | $74,000 | $234,000 |
| File Closed For Incompleteness | 17 | $1,543,000 | $90,000 | $205,000 | $59,000 | $230,000 |
| 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 | 39 | $1,734,000 | $44,000 | $150,000 | $94,000 | $1,145,000 |
| Debt-To-Income Ratio | 16 | $2,031,000 | $126,000 | $560,000 | $42,000 | $169,000 |
| Collateral | 12 | $1,495,000 | $124,000 | $400,000 | $130,000 | $686,000 |
| Unverifiable Information | 8 | $608,000 | $76,000 | $192,000 | $45,000 | $85,000 |
| Other | 7 | $565,000 | $80,000 | $176,000 | $86,000 | $324,000 |
| Credit Application Incomplete | 5 | $457,000 | $91,000 | $121,000 | $42,000 | $85,000 |
| Employment History | 2 | $142,000 | $71,000 | $72,000 | $30,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $340,000 | $170,000 | $240,000 | $140,000 | $237,000 |
| 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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