Morrill County, NE Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 88 mortgage applications in Morrill County, NE totaling $6.8 million, down 33% from 2013. The average application was for $76,000, and applicants reported an average income of $53,000. 50% of applications resulted in an originated loan and 31% were denied. The most active lender was Wells Fargo Bank NA, with 21 applications, followed by Valley Bank and Trust and West Gate 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 | 88 |
| Total Mortgage Loan Application Amount | $6,763,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $288,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $181,000 |
| 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 |
* | $ 1,373,600,000,000 | 21 | $ 1,353,000 |
| Valley Bank and Trust 1701 1ST AVENUE SCOTTSBLUFF, NE 69361 |
* | $ 343,928,000 | 19 | $ 1,249,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 377,882,000 | 6 | $ 454,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 5 | $ 367,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 4 | $ 312,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,540,393,000 | 4 | $ 258,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 314,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 367,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,269,540,000 | 2 | $ 94,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 223,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 100,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 208,000 |
| Platte Valley Bank SCOTTSBLUFF, NE 69361 |
* | $ 235,352,000 | 2 | $ 146,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 1 | $ 111,000 |
| Washington County Bank PO BOX 248 BLAIR, NE 68008 |
* | $ 320,879,000 | 1 | $ 119,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 69,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 30,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 215,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 1 | $ 147,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 68,000 |
The tables below break down 2014 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 2014
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 | 43 | $3,381,000 | $78,000 | $215,000 | $41,000 | $142,000 |
| Refinancing | 31 | $2,759,000 | $89,000 | $288,000 | $58,000 | $133,000 |
| Home Improvement | 14 | $623,000 | $44,000 | $120,000 | $77,000 | $181,000 |
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 | 69 | $5,342,000 | $77,000 | $288,000 | $60,000 | $181,000 |
| Not applicable | 9 | $834,000 | $92,000 | $181,000 | $0 | $0 |
| Not Provided | 4 | $405,000 | $101,000 | $153,000 | $65,000 | $83,000 |
| Hispanic | 3 | $37,000 | $12,000 | $20,000 | $35,000 | $56,000 |
| American Indian or Alaskan Native | 2 | $84,000 | $42,000 | $54,000 | $36,000 | $47,000 |
| Black or African American | 1 | $61,000 | $61,000 | $61,000 | $55,000 | $55,000 |
| Asian | 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) | 59 | $4,187,000 | $70,000 | $288,000 | $64,000 | $181,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,153,000 | $88,000 | $181,000 | $37,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $601,000 | $75,000 | $102,000 | $10,000 | $49,000 |
| VA-guaranteed (Veterans Administration) | 8 | $822,000 | $102,000 | $184,000 | $40,000 | $73,000 |
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 | 44 | $3,565,000 | $81,000 | $288,000 | $58,000 | $133,000 |
| Application Denied By Financial Institution | 27 | $1,864,000 | $69,000 | $215,000 | $59,000 | $181,000 |
| Loan Purchased By The Institution | 11 | $999,000 | $90,000 | $181,000 | $13,000 | $86,000 |
| Application Withdrawn By Applicant | 4 | $270,000 | $67,000 | $120,000 | $57,000 | $108,000 |
| Application Approved But Not Accepted | 2 | $65,000 | $32,000 | $35,000 | $71,000 | $142,000 |
| File Closed For Incompleteness | 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 | 6 | $166,000 | $27,000 | $80,000 | $73,000 | $181,000 |
| Debt-To-Income Ratio | 3 | $416,000 | $138,000 | $215,000 | $49,000 | $83,000 |
| Collateral | 2 | $113,000 | $56,000 | $80,000 | $60,000 | $67,000 |
| Other | 2 | $86,000 | $43,000 | $53,000 | $83,000 | $96,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
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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