In 2016, lenders reported 953 mortgage applications in Madison County, NE totaling $134.9 million, up 13% from 2015. The average application was for $141,000, and applicants reported an average income of $70,000. 50% of applications resulted in an originated loan and 16% were denied. The most active lender was US Bank, N.A., with 171 applications, followed by Wells Fargo Bank NA 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 | 953 |
| Total Mortgage Loan Application Amount | $134,888,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $5,292,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $1,896,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 171 | $ 20,916,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 142 | $ 16,064,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 938,105,000 | 124 | $ 18,500,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,260,025,000 | 78 | $ 9,365,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 651,502,000 | 49 | $ 10,007,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 435,793,000 | 45 | $ 8,161,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 44 | $ 5,559,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,302,336,000 | 22 | $ 2,221,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 15 | $ 2,175,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 15 | $ 2,602,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 14 | $ 2,542,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 14 | $ 2,580,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 75,743,098,000 | 12 | $ 1,115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 9 | $ 1,127,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 277,585,000 | 9 | $ 1,622,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 9 | $ 1,503,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 7 | $ 855,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ 2,800,000 | 6 | $ 856,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 116,746,000 | 5 | $ 772,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 480,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 5 | $ 607,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 5 | $ 724,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 4 | $ 456,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 4 | $ 789,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 4 | $ 534,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 3 | $ 209,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 3 | $ 295,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 3 | $ 342,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 3 | $ 269,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 3 | $ 705,000 |
| Metro Credit Union 14517 F STREET SUITE 211 OMAHA, NE 68137 |
* | $ 279,975,000 | 3 | $ 423,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 3 | $ 282,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ 0 | 2 | $ 297,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 2 | $ 486,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 592,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 8,231,396,000 | 2 | $ 250,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 2 | $ 5,462,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 19,460,442,000 | 2 | $ 263,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 175,672,000 | 2 | $ 195,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 292,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 206,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 602,453,000 | 2 | $ 209,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 297,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 248,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 310,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,958,614,000 | 2 | $ 76,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,077,735,000 | 1 | $ 269,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Cornhusker Bank 8310 O STREET LINCOLN, NE 68510 |
* | $ 468,577,000 | 1 | $ 90,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 146,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 219,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 138,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 1 | $ 223,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 58,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 1 | $ 57,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,351,909,000 | 1 | $ 9,000 |
| Dundee Bank 5015 UNDERWOOD AVE OMAHA, NE 68132 |
* | $ 192,922,000 | 1 | $ 265,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 1 | $ 114,000 |
| Flagship Financial Group, Llc. 3130 W. MAPLE LOOP DR. LEHI, UT 84043 |
* | $ 0 | 1 | $ 87,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 180,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 2,883,399,000 | 1 | $ 146,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 139,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 250,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 25,000 |
| Cobalt Credit Union 7148 TOWNE CENTER PARKWAY PAPILLION, NE 68046 |
* | $ 824,586,000 | 1 | $ 50,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 34,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 329,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,622,999,000 | 1 | $ 6,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 281,316,000 | 1 | $ 131,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 961,290,000 | 1 | $ 121,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 222,509,000 | 1 | $ 70,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 49,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 115,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 567,648,000 | 1 | $ 106,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,293,340,000 | 1 | $ 640,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 946,593,000 | 1 | $ 260,000 |
The tables below break down 2016 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 | 462 | $66,500,000 | $143,000 | $517,000 | $66,000 | $951,000 |
| Refinancing | 416 | $58,446,000 | $140,000 | $2,400,000 | $78,000 | $1,896,000 |
| Home Improvement | 75 | $9,942,000 | $132,000 | $5,292,000 | $58,000 | $191,000 |
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 | 681 | $96,192,000 | $141,000 | $1,700,000 | $83,000 | $1,896,000 |
| Not applicable | 117 | $22,675,000 | $193,000 | $5,292,000 | $11,000 | $175,000 |
| Hispanic | 84 | $7,491,000 | $89,000 | $517,000 | $48,000 | $175,000 |
| Not Provided | 54 | $6,699,000 | $124,000 | $266,000 | $74,000 | $780,000 |
| Asian | 6 | $858,000 | $143,000 | $234,000 | $70,000 | $102,000 |
| Black or African American | 6 | $430,000 | $71,000 | $183,000 | $73,000 | $137,000 |
| American Indian or Alaskan Native | 3 | $263,000 | $87,000 | $180,000 | $61,000 | $87,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $280,000 | $140,000 | $180,000 | $71,000 | $86,000 |
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) | 669 | $97,201,000 | $145,000 | $5,292,000 | $83,000 | $1,896,000 |
| FHA-insured (Federal Housing Administration) | 108 | $13,838,000 | $128,000 | $254,000 | $46,000 | $204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 107 | $11,370,000 | $106,000 | $400,000 | $24,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 69 | $12,479,000 | $180,000 | $517,000 | $53,000 | $175,000 |
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 | 475 | $76,763,000 | $161,000 | $5,292,000 | $83,000 | $1,896,000 |
| Loan Purchased By The Institution | 229 | $32,244,000 | $140,000 | $517,000 | $48,000 | $291,000 |
| Application Denied By Financial Institution | 152 | $14,603,000 | $96,000 | $426,000 | $63,000 | $780,000 |
| Application Withdrawn By Applicant | 56 | $7,159,000 | $127,000 | $405,000 | $80,000 | $613,000 |
| File Closed For Incompleteness | 26 | $2,607,000 | $100,000 | $265,000 | $60,000 | $200,000 |
| Application Approved But Not Accepted | 15 | $1,512,000 | $100,000 | $261,000 | $74,000 | $120,000 |
| 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 | $2,169,000 | $55,000 | $249,000 | $55,000 | $135,000 |
| Debt-To-Income Ratio | 27 | $2,178,000 | $80,000 | $240,000 | $42,000 | $97,000 |
| Collateral | 15 | $1,759,000 | $117,000 | $265,000 | $76,000 | $157,000 |
| Unverifiable Information | 6 | $699,000 | $116,000 | $175,000 | $54,000 | $70,000 |
| Credit Application Incomplete | 5 | $651,000 | $130,000 | $200,000 | $82,000 | $146,000 |
| Employment History | 2 | $114,000 | $57,000 | $77,000 | $20,000 | $21,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $83,000 | $41,000 | $59,000 | $63,000 | $104,000 |
| Other | 1 | $90,000 | $90,000 | $90,000 | $41,000 | $41,000 |
| 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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