Morrill County, NE Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 119 mortgage applications in Morrill County, NE totaling $12.0 million, up 35% from 2014. The average application was for $100,000, and applicants reported an average income of $63,000. 45% of applications resulted in an originated loan and 22% were denied. The most active lender was Valley Bank and Trust, with 21 applications, followed by Wells Fargo Bank NA and Stonegate Mortgage Corporation.
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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 | 119 |
| Total Mortgage Loan Application Amount | $11,996,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $540,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $541,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Valley Bank and Trust 1701 1ST AVENUE SCOTTSBLUFF, NE 69361 |
* | $ 335,716,000 | 21 | $ 2,173,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 19 | $ 1,456,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 8 | $ 991,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 6 | $ 582,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 17,377,985,000 | 6 | $ 668,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 6 | $ 442,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 397,763,000 | 6 | $ 796,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 351,000 |
| Platte Valley Bank SCOTTSBLUFF, NE 69361 |
* | $ 323,286,000 | 3 | $ 391,000 |
| Rolling Hills Bank & Trust 1307 E 7TH ST ATLANTIC, IA 50022 |
* | $ 238,759,000 | 2 | $ 310,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 110,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 2 | $ 334,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 2 | $ 414,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 108,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Points West Community Bank P O BOX 157 SIDNEY, NE 69162 |
* | $ 380,431,000 | 1 | $ 10,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 83,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 86,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 89,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,636,848,000 | 1 | $ 127,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 53,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 115,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 102,000 |
| Meridian Trust Federal Credit Union PO BOX 548 CHEYENNE, WY 82003 |
* | $ 304,200,000 | 1 | $ 5,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 66,000 |
| Academy Bank, N.A. 8551 NORTH BOARDWALK AVE KANSAS CITY, MO 64106 |
* | $ 325,064,000 | 1 | $ 64,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 83,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 56,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 118,869,000 | 1 | $ 245,000 |
| On Tap Credit Union 816 WASHINGTON AVE GOLDEN, CO 80401 |
* | $ 197,095,000 | 1 | $ 66,000 |
The tables below break down 2015 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 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 Purchase | 68 | $6,771,000 | $99,000 | $400,000 | $54,000 | $439,000 |
| Refinancing | 38 | $4,578,000 | $120,000 | $540,000 | $80,000 | $541,000 |
| Home Improvement | 13 | $647,000 | $49,000 | $218,000 | $64,000 | $204,000 |
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 | 88 | $8,854,000 | $100,000 | $540,000 | $74,000 | $541,000 |
| Not applicable | 14 | $1,563,000 | $111,000 | $538,000 | $0 | $0 |
| Not Provided | 10 | $940,000 | $94,000 | $225,000 | $67,000 | $108,000 |
| Hispanic | 5 | $327,000 | $65,000 | $160,000 | $50,000 | $79,000 |
| American Indian or Alaskan Native | 1 | $207,000 | $207,000 | $207,000 | $64,000 | $64,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $62,000 | $62,000 |
| Black or African American | 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) | 71 | $7,296,000 | $102,000 | $540,000 | $78,000 | $541,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,687,000 | $99,000 | $225,000 | $50,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,107,000 | $79,000 | $127,000 | $17,000 | $49,000 |
| VA-guaranteed (Veterans Administration) | 7 | $906,000 | $129,000 | $192,000 | $58,000 | $77,000 |
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 | 54 | $6,418,000 | $118,000 | $540,000 | $86,000 | $541,000 |
| Application Denied By Financial Institution | 26 | $2,034,000 | $78,000 | $400,000 | $48,000 | $100,000 |
| Loan Purchased By The Institution | 25 | $2,490,000 | $99,000 | $208,000 | $32,000 | $130,000 |
| Application Approved But Not Accepted | 6 | $537,000 | $89,000 | $173,000 | $61,000 | $109,000 |
| Application Withdrawn By Applicant | 4 | $207,000 | $51,000 | $89,000 | $60,000 | $114,000 |
| File Closed For Incompleteness | 4 | $310,000 | $77,000 | $102,000 | $58,000 | $78,000 |
| 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 | 6 | $238,000 | $39,000 | $67,000 | $50,000 | $96,000 |
| Collateral | 3 | $629,000 | $209,000 | $400,000 | $74,000 | $80,000 |
| Credit Application Incomplete | 2 | $303,000 | $151,000 | $160,000 | $56,000 | $58,000 |
| Employment History | 1 | $41,000 | $41,000 | $41,000 | $74,000 | $74,000 |
| 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 |
| Debt-To-Income Ratio | 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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