McPherson County, NE Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 6 mortgage applications in McPherson County, NE totaling $387,000, about the same as 2014. The average application was for $64,000, and applicants reported an average income of $47,000. 33% of applications resulted in an originated loan and 17% were denied. The most active lender was Shoreham Bank, with 3 applications, followed by Centris Federal Credit Union and Equitable Bank.
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| Years | 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 | 6 |
| Total Mortgage Loan Application Amount | $387,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $182,000 |
| Average Applicant Income | $47,000 |
| Highest Applicant Income | $114,000 |
Top Mortgage Lenders in McPherson County, NE (2015)
Ranked by the number of mortgage applications each lender reported in McPherson County, NE in 2015.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Shoreham Bank Warwick, RI |
3 | $41,000 | $13,000 | $13,000 |
| 2 | Centris Federal Credit Union Omaha, NE |
1 | $15,000 | $15,000 | $66,000 |
| 3 | Equitable Bank Grand Island, NE |
1 | $149,000 | $149,000 | $66,000 |
| 4 | Wells Fargo Bank NA Minneapolis, MN |
1 | $182,000 | $182,000 | $114,000 |
The tables below break down 2015 mortgage applications in McPherson 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 McPherson County, NE in 2015
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 Improvement | 4 | $56,000 | $14,000 | $25,000 | $26,000 | $66,000 |
| Home Purchase | 2 | $331,000 | $165,000 | $182,000 | $90,000 | $114,000 |
| Refinancing | 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 |
|---|---|---|---|---|---|---|
| White | 6 | $387,000 | $64,000 | $182,000 | $47,000 | $114,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 4 | $223,000 | $55,000 | $182,000 | $38,000 | $114,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2 | $164,000 | $82,000 | $149,000 | $66,000 | $66,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 3 | $41,000 | $13,000 | $25,000 | $13,000 | $13,000 |
| Loan Originated | 2 | $331,000 | $165,000 | $182,000 | $90,000 | $114,000 |
| Application Denied By Financial Institution | 1 | $15,000 | $15,000 | $15,000 | $66,000 | $66,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $15,000 | $15,000 | $15,000 | $66,000 | $66,000 |
| Debt-To-Income Ratio | 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 |
| 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 |
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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