Morrill County, NE Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 140 mortgage applications in Morrill County, NE totaling $10.1 million, down 27% from 2007. The average application was for $72,000, and applicants reported an average income of $56,000. 46% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank, NA, with 43 applications, followed by Valley Bank and Trust and Bank of the West.
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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 | 140 |
| Total Mortgage Loan Application Amount | $10,102,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $241,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 43 | $ 3,422,000 |
| Valley Bank and Trust 1701 1ST AVENUE SCOTTSBLUFF, NE 69361 |
* | $ 308,746,000 | 15 | $ 899,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 10 | $ 596,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 8 | $ 755,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 394,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 6 | $ 309,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 5 | $ 441,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 4 | $ 259,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 4 | $ 337,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 4 | $ 26,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 3 | $ 321,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,535,843,000 | 3 | $ 149,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 3 | $ 256,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 3 | $ 40,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 2 | $ 61,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 695,255,000 | 2 | $ 272,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 2 | $ 456,000 |
| Wells Fargo Fin'l Nebraska,Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 260,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 111,000 |
| Wallick and Volk 222 EAST 18TH CHEYENNE, WY 82001 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 42,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 20,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 79,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 127,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 76,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 464,642,000 | 1 | $ 17,000 |
| Security National Bank 202 E. 2ND STREET LAUREL, NE 68745 |
* | $ 134,489,000 | 1 | $ 133,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 5,087,506,000 | 1 | $ 19,000 |
| American National Bank 3033 E FIRST AVENUE DENVER, CO 80206 |
* | $ 1,968,858,000 | 1 | $ 38,000 |
| First National Bank P O BOX 730 TORRINGTON, WY 82240 |
* | $ 286,783,000 | 1 | $ 18,000 |
The tables below break down 2008 mortgage applications in Morrill 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 Morrill County, NE in 2008
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 | 70 | $5,749,000 | $82,000 | $415,000 | $58,000 | $241,000 |
| Home Purchase | 52 | $3,945,000 | $75,000 | $200,000 | $54,000 | $218,000 |
| Home Improvement | 18 | $408,000 | $22,000 | $100,000 | $56,000 | $96,000 |
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 | 115 | $8,303,000 | $72,000 | $248,000 | $62,000 | $241,000 |
| Hispanic | 11 | $410,000 | $37,000 | $61,000 | $36,000 | $71,000 |
| Not applicable | 8 | $1,015,000 | $126,000 | $415,000 | $15,000 | $94,000 |
| Not Provided | 6 | $374,000 | $62,000 | $100,000 | $37,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 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 |
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) | 105 | $6,921,000 | $65,000 | $415,000 | $58,000 | $241,000 |
| FHA-insured (Federal Housing Administration) | 22 | $1,966,000 | $89,000 | $142,000 | $61,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $658,000 | $82,000 | $133,000 | $22,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 5 | $557,000 | $111,000 | $138,000 | $61,000 | $71,000 |
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 | 64 | $4,650,000 | $72,000 | $248,000 | $68,000 | $241,000 |
| Application Denied By Financial Institution | 37 | $2,109,000 | $57,000 | $135,000 | $46,000 | $135,000 |
| Application Withdrawn By Applicant | 17 | $1,307,000 | $76,000 | $160,000 | $54,000 | $110,000 |
| Application Approved But Not Accepted | 10 | $832,000 | $83,000 | $138,000 | $57,000 | $77,000 |
| Loan Purchased By The Institution | 10 | $1,083,000 | $108,000 | $415,000 | $25,000 | $94,000 |
| File Closed For Incompleteness | 2 | $121,000 | $60,000 | $61,000 | $43,000 | $43,000 |
| 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 | $304,000 | $30,000 | $58,000 | $38,000 | $66,000 |
| Collateral | 8 | $575,000 | $71,000 | $117,000 | $46,000 | $71,000 |
| Unverifiable Information | 3 | $253,000 | $84,000 | $115,000 | $59,000 | $62,000 |
| Other | 2 | $95,000 | $47,000 | $60,000 | $57,000 | $71,000 |
| Debt-To-Income Ratio | 2 | $181,000 | $90,000 | $96,000 | $55,000 | $59,000 |
| Credit Application Incomplete | 1 | $116,000 | $116,000 | $116,000 | $40,000 | $40,000 |
| 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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