Phelps County, NE Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 293 mortgage applications in Phelps County, NE totaling $33.5 million, up 22% from 2015. The average application was for $114,000, and applicants reported an average income of $51,000. 54% of applications resulted in an originated loan and 19% were denied. The most active lender was Lincoln Federal Svgs Bk of Ne, with 32 applications, followed by US Bank, N.A. 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 | 293 |
| Total Mortgage Loan Application Amount | $33,495,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $365,000 |
Top Mortgage Lenders in Phelps County, NE (2016)
Ranked by the number of mortgage applications each lender reported in Phelps County, NE in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Lincoln Federal Svgs Bk of Ne Lincoln, NE |
32 | $3,239,000 | $101,000 | $54,000 |
| 2 | US Bank, N.A. Cincinnati, OH |
24 | $1,965,000 | $81,000 | $42,000 |
| 3 | Franklin American Mortgage Company Franklin, TN |
19 | $1,878,000 | $98,000 | $0 |
| 4 | loanDepot.com LLC Irvine, CA |
19 | $2,113,000 | $111,000 | $54,000 |
| 5 | Great Western Bank Watertown, SD |
18 | $1,933,000 | $107,000 | $48,000 |
| 6 | West Gate Bank Lincoln, NE |
14 | $1,889,000 | $134,000 | $88,000 |
| 7 | First National Bank of Omaha Omaha, NE |
12 | $1,028,000 | $85,000 | $82,000 |
| 8 | Wells Fargo Bank NA Minneapolis, MN |
11 | $1,451,000 | $131,000 | $87,000 |
| 9 | Home Federal Savings and Loan Grand Island, NE |
10 | $610,000 | $61,000 | $46,000 |
| 10 | Firstier Bank Kimball, NE |
9 | $788,000 | $87,000 | $49,000 |
The tables below break down 2016 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 2016
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 | 147 | $16,746,000 | $113,000 | $365,000 | $48,000 | $301,000 |
| Refinancing | 122 | $15,412,000 | $126,000 | $2,000,000 | $53,000 | $365,000 |
| Home Improvement | 24 | $1,337,000 | $55,000 | $165,000 | $63,000 | $137,000 |
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 | 212 | $23,208,000 | $109,000 | $365,000 | $64,000 | $365,000 |
| Not applicable | 54 | $7,509,000 | $139,000 | $2,000,000 | $2,000 | $92,000 |
| Not Provided | 22 | $2,391,000 | $108,000 | $357,000 | $54,000 | $150,000 |
| American Indian or Alaskan Native | 2 | $132,000 | $66,000 | $72,000 | $51,000 | $61,000 |
| Hispanic | 2 | $172,000 | $86,000 | $124,000 | $31,000 | $33,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $83,000 | $83,000 | $83,000 | $35,000 | $35,000 |
| 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) | 158 | $19,254,000 | $121,000 | $2,000,000 | $68,000 | $365,000 |
| FHA-insured (Federal Housing Administration) | 63 | $6,380,000 | $101,000 | $275,000 | $38,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $4,335,000 | $98,000 | $168,000 | $17,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 28 | $3,526,000 | $125,000 | $357,000 | $41,000 | $105,000 |
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 | 157 | $19,663,000 | $125,000 | $2,000,000 | $65,000 | $365,000 |
| Application Denied By Financial Institution | 57 | $5,339,000 | $93,000 | $324,000 | $54,000 | $185,000 |
| Loan Purchased By The Institution | 49 | $5,425,000 | $110,000 | $275,000 | $9,000 | $95,000 |
| Application Withdrawn By Applicant | 16 | $1,801,000 | $112,000 | $281,000 | $53,000 | $132,000 |
| File Closed For Incompleteness | 8 | $943,000 | $117,000 | $232,000 | $33,000 | $61,000 |
| Application Approved But Not Accepted | 6 | $324,000 | $54,000 | $141,000 | $26,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $1,051,000 | $116,000 | $324,000 | $71,000 | $185,000 |
| Credit History | 4 | $57,000 | $14,000 | $15,000 | $49,000 | $85,000 |
| Debt-To-Income Ratio | 4 | $184,000 | $46,000 | $83,000 | $38,000 | $78,000 |
| Other | 2 | $166,000 | $83,000 | $152,000 | $86,000 | $100,000 |
| Unverifiable Information | 1 | $107,000 | $107,000 | $107,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 1 | $51,000 | $51,000 | $51,000 | $41,000 | $41,000 |
| 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 |
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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