Phelps County, NE Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 230 mortgage applications in Phelps County, NE totaling $25.2 million, down 13% from 2013. The average application was for $109,000, and applicants reported an average income of $55,000. 59% of applications resulted in an originated loan and 11% were denied. The most active lender was Lincoln Federal Svgs Bk of Ne, with 29 applications, followed by Great Western Bank and Franklin American Mortgage Company.
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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 | 230 |
| Total Mortgage Loan Application Amount | $25,191,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $1,368,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $343,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 289,551,000 | 29 | $ 2,858,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,269,540,000 | 27 | $ 2,864,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 16 | $ 1,674,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 15 | $ 1,623,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 14 | $ 1,199,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 377,882,000 | 13 | $ 1,432,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 10 | $ 918,000 |
| Firstier Bank 115 S WALNUT STREET, PO BOX 730 KIMBALL, NE 69145 |
* | $ 226,516,000 | 7 | $ 510,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,540,393,000 | 5 | $ 1,598,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 506,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 509,112,000 | 3 | $ 465,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 3 | $ 204,000 |
| Washington County Bank PO BOX 248 BLAIR, NE 68008 |
* | $ 320,879,000 | 3 | $ 402,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 3 | $ 354,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 293,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 6,392,855,000 | 3 | $ 168,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 3 | $ 620,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 212,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 2 | $ 141,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,309,638,000 | 2 | $ 152,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 566,294,000 | 2 | $ 65,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 902,939,000 | 2 | $ 479,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 845,160,000 | 2 | $ 270,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 2 | $ 200,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 2 | $ 125,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 3,870,208,000 | 2 | $ 201,000 |
| Iowa - Nebraska State Bank 2021 DAKOTA AVENUE SOUTH SIOUX CITY, NE 68776 |
* | $ 198,054,000 | 2 | $ 300,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 346,000 |
| Bank of Doniphan 118 PLUM STREET D, NE 68832 |
* | $ 96,547,000 | 2 | $ 78,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,256,102,000 | 1 | $ 206,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 200,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 78,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 603,672,000 | 1 | $ 133,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 68,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 100,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 88,000 |
| Charter West National Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 190,848,000 | 1 | $ 61,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,862,684,000 | 1 | $ 500,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 8,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 204,003,000 | 1 | $ 8,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 1,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 135,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 178,000 |
The tables below break down 2014 mortgage applications in Phelps 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 Phelps 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 | 125 | $14,250,000 | $114,000 | $500,000 | $47,000 | $240,000 |
| Refinancing | 87 | $9,889,000 | $113,000 | $1,368,000 | $62,000 | $343,000 |
| Home Improvement | 18 | $1,052,000 | $58,000 | $148,000 | $73,000 | $191,000 |
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 | 164 | $16,960,000 | $103,000 | $500,000 | $69,000 | $343,000 |
| Not applicable | 45 | $6,295,000 | $139,000 | $1,368,000 | $0 | $23,000 |
| Not Provided | 16 | $1,306,000 | $81,000 | $155,000 | $66,000 | $165,000 |
| American Indian or Alaskan Native | 2 | $435,000 | $217,000 | $359,000 | $77,000 | $100,000 |
| Asian | 2 | $108,000 | $54,000 | $106,000 | $31,000 | $32,000 |
| Black or African American | 1 | $87,000 | $87,000 | $87,000 | $26,000 | $26,000 |
| Hispanic | 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) | 130 | $14,945,000 | $114,000 | $1,368,000 | $67,000 | $343,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $5,000,000 | $104,000 | $500,000 | $26,000 | $240,000 |
| FHA-insured (Federal Housing Administration) | 44 | $4,120,000 | $93,000 | $259,000 | $48,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,126,000 | $140,000 | $200,000 | $63,000 | $139,000 |
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 | 135 | $15,151,000 | $112,000 | $1,368,000 | $64,000 | $343,000 |
| Loan Purchased By The Institution | 43 | $4,332,000 | $100,000 | $259,000 | $7,000 | $139,000 |
| Application Denied By Financial Institution | 25 | $2,438,000 | $97,000 | $200,000 | $59,000 | $127,000 |
| Application Withdrawn By Applicant | 14 | $2,042,000 | $145,000 | $500,000 | $90,000 | $240,000 |
| File Closed For Incompleteness | 7 | $570,000 | $81,000 | $147,000 | $68,000 | $120,000 |
| Application Approved But Not Accepted | 6 | $658,000 | $109,000 | $240,000 | $54,000 | $82,000 |
| 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 | 4 | $396,000 | $99,000 | $200,000 | $72,000 | $119,000 |
| Credit Application Incomplete | 3 | $273,000 | $91,000 | $128,000 | $62,000 | $93,000 |
| Collateral | 2 | $138,000 | $69,000 | $70,000 | $53,000 | $54,000 |
| Other | 1 | $200,000 | $200,000 | $200,000 | $84,000 | $84,000 |
| Debt-To-Income Ratio | 1 | $106,000 | $106,000 | $106,000 | $33,000 | $33,000 |
| 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 |
| Unverifiable Information | 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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