Phelps County, NE Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 241 mortgage applications in Phelps County, NE totaling $26.6 million, up 5% from 2014. The average application was for $110,000, and applicants reported an average income of $58,000. 56% of applications resulted in an originated loan and 12% were denied. The most active lender was Lincoln Federal Svgs Bk of Ne, with 31 applications, followed by Franklin American Mortgage Company and Great Western 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 | 241 |
| Total Mortgage Loan Application Amount | $26,616,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $941,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $2,021,000 |
| 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 |
* | $ 284,493,000 | 31 | $ 3,727,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 28 | $ 3,386,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,636,848,000 | 21 | $ 2,400,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 18 | $ 1,168,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 397,763,000 | 15 | $ 2,158,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 13 | $ 931,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 17,377,985,000 | 10 | $ 1,943,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 891,075,000 | 6 | $ 434,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 6 | $ 757,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 592,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 543,829,000 | 5 | $ 546,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 344,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 664,052,000 | 4 | $ 561,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 286,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 4 | $ 318,000 |
| Firstier Bank 115 S WALNUT STREET, PO BOX 730 KIMBALL, NE 69145 |
* | $ 235,524,000 | 3 | $ 118,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 3 | $ 187,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 163,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 3 | $ 209,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 181,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 152,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 587,275,000 | 2 | $ 309,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 2 | $ 23,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ 249,549,000 | 2 | $ 318,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 2 | $ 444,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 318,272,000 | 1 | $ 32,000 |
| Washington County Bank PO BOX 248 BLAIR, NE 68008 |
* | $ 351,441,000 | 1 | $ 280,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 59,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 130,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 79,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 47,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 72,000 |
| Equitable Savings & Loan Assoc PO BOX 1726 STERLING, CO 80751 |
* | $ 173,807,000 | 1 | $ 80,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 1 | $ 116,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 890,389,000 | 1 | $ 113,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,040,462,000 | 1 | $ 79,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 354,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 140,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 132,000 |
| Waypoint Bank 747 MERIDIAN AVENUE COZAD, NE 69130 |
* | $ 268,719,000 | 1 | $ 170,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 145,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ 0 | 1 | $ 354,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Central Bank of Boone County 720 E. BROADWAY COLUMBIA, MO 65201 |
* | $ 1,448,928,000 | 1 | $ 72,000 |
| I3 Bank 12212 N 156TH ST BENNINGTON, NE 68007 |
* | $ 79,232,000 | 1 | $ 14,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,394,500,000 | 1 | $ 51,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,037,913,000 | 1 | $ 88,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 197,036,000 | 1 | $ 25,000 |
| Iowa - Nebraska State Bank 2021 DAKOTA AVENUE SOUTH SIOUX CITY, NE 68776 |
* | $ 204,838,000 | 1 | $ 147,000 |
| Horizon Bank 10841 N 142ND STREET WAVERLY, NE 68462 |
* | $ 226,597,000 | 1 | $ 199,000 |
The tables below break down 2015 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 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 | 132 | $14,628,000 | $110,000 | $292,000 | $39,000 | $146,000 |
| Refinancing | 89 | $10,616,000 | $119,000 | $941,000 | $79,000 | $2,021,000 |
| Home Improvement | 20 | $1,372,000 | $68,000 | $364,000 | $95,000 | $220,000 |
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 | 170 | $19,639,000 | $115,000 | $941,000 | $76,000 | $2,021,000 |
| Not applicable | 53 | $5,203,000 | $98,000 | $225,000 | $0 | $45,000 |
| Not Provided | 15 | $1,480,000 | $98,000 | $354,000 | $64,000 | $150,000 |
| American Indian or Alaskan Native | 2 | $216,000 | $108,000 | $206,000 | $76,000 | $77,000 |
| Hispanic | 1 | $78,000 | $78,000 | $78,000 | $63,000 | $63,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 145 | $16,738,000 | $115,000 | $941,000 | $72,000 | $2,021,000 |
| FHA-insured (Federal Housing Administration) | 48 | $4,340,000 | $90,000 | $213,000 | $43,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $2,687,000 | $81,000 | $153,000 | $20,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,851,000 | $190,000 | $354,000 | $60,000 | $147,000 |
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 | 136 | $15,870,000 | $116,000 | $941,000 | $78,000 | $2,021,000 |
| Loan Purchased By The Institution | 54 | $5,535,000 | $102,000 | $354,000 | $10,000 | $147,000 |
| Application Denied By Financial Institution | 30 | $3,111,000 | $103,000 | $309,000 | $55,000 | $150,000 |
| Application Withdrawn By Applicant | 11 | $1,240,000 | $112,000 | $286,000 | $75,000 | $153,000 |
| Application Approved But Not Accepted | 6 | $559,000 | $93,000 | $216,000 | $53,000 | $112,000 |
| File Closed For Incompleteness | 4 | $301,000 | $75,000 | $130,000 | $40,000 | $57,000 |
| 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 | 7 | $319,000 | $45,000 | $88,000 | $49,000 | $62,000 |
| Debt-To-Income Ratio | 5 | $832,000 | $166,000 | $302,000 | $66,000 | $127,000 |
| Collateral | 4 | $497,000 | $124,000 | $309,000 | $109,000 | $150,000 |
| Credit Application Incomplete | 1 | $150,000 | $150,000 | $150,000 | $67,000 | $67,000 |
| Other | 1 | $40,000 | $40,000 | $40,000 | $36,000 | $36,000 |
| Unverifiable Information | 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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