Pawnee County, NE Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 65 mortgage applications in Pawnee County, NE totaling $5.4 million, up 51% from 2012. The average application was for $83,000, and applicants reported an average income of $62,000. 49% of applications resulted in an originated loan and 23% were denied. The most active lender was State Bank of Table Rock, with 11 applications, followed by Centris Federal Credit Union and Union Bank and Trust Company.

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Total Number of Mortgage Applications 65
Total Mortgage Loan Application Amount $5,442,000
Average Mortgage Loan Application Amount $83,000
Highest Mortgage Loan Application Amount $236,000
Average Applicant Income $62,000
Highest Applicant Income $330,000
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Top Mortgage Lenders in Pawnee County, NE (2013)

Ranked by the number of mortgage applications each lender reported in Pawnee County, NE in 2013.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 State Bank of Table Rock
Table Rock, NE
11 $744,000 $67,000 $39,000
2 Centris Federal Credit Union
Omaha, NE
9 $734,000 $81,000 $55,000
3 Union Bank and Trust Company
Lincoln, NE
4 $198,000 $49,000 $31,000
4 Franklin American Mortgage Company
Franklin, TN
4 $481,000 $120,000 $27,000
5 First National Bank of Wahoo
Wahoo, NE
4 $356,000 $89,000 $108,000
6 Nationstar Mortgage
Coppell, TX
3 $286,000 $95,000 $62,000
7 American National Bank
Omaha, NE
3 $113,000 $37,000 $56,000
8 Bank of America NA
Westlake Village, CA
3 $264,000 $88,000 $119,000
9 US Bank, N.A.
Cincinnati, OH
3 $234,000 $78,000 $32,000
10 Liberty First Credit Union
Lincoln, NE
2 $286,000 $143,000 $75,000

See every lender active in Pawnee County, NE in 2013 »

The tables below break down 2013 mortgage applications in Pawnee 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 Pawnee County, NE in 2013

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 29 $2,914,000 $100,000 $236,000 $65,000 $197,000
Home Purchase 25 $1,994,000 $79,000 $221,000 $57,000 $200,000
Home Improvement 11 $534,000 $48,000 $211,000 $64,000 $330,000

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 56 $4,575,000 $81,000 $236,000 $66,000 $330,000
Not applicable 5 $517,000 $103,000 $200,000 $16,000 $84,000
Not Provided 3 $282,000 $94,000 $140,000 $69,000 $80,000
Hispanic 1 $68,000 $68,000 $68,000 $50,000 $50,000
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) 52 $4,236,000 $81,000 $236,000 $66,000 $330,000
FHA-insured (Federal Housing Administration) 11 $1,064,000 $96,000 $221,000 $52,000 $94,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $142,000 $71,000 $71,000 $22,000 $44,000
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
Loan Originated 32 $2,482,000 $77,000 $221,000 $62,000 $200,000
Application Denied By Financial Institution 15 $1,532,000 $102,000 $236,000 $51,000 $95,000
Application Withdrawn By Applicant 9 $532,000 $59,000 $80,000 $67,000 $127,000
Loan Purchased By The Institution 4 $452,000 $113,000 $200,000 $21,000 $84,000
File Closed For Incompleteness 3 $345,000 $115,000 $211,000 $163,000 $330,000
Application Approved But Not Accepted 2 $99,000 $49,000 $69,000 $45,000 $80,000
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
Debt-To-Income Ratio 3 $427,000 $142,000 $221,000 $77,000 $91,000
Credit History 2 $30,000 $15,000 $24,000 $18,000 $20,000
Insufficient Cash (Downpayment, Closing Cost) 1 $32,000 $32,000 $32,000 $55,000 $55,000
Other 1 $200,000 $200,000 $200,000 $95,000 $95,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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