Polk County, NE Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 125 mortgage applications in Polk County, NE totaling $12.7 million, down 24% from 2013. The average application was for $101,000, and applicants reported an average income of $83,000. 67% of applications resulted in an originated loan and 14% were denied. The most active lender was Pinnacle Bank, with 27 applications, followed by Cornerstone Bank and West Gate 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 | 125 |
| Total Mortgage Loan Application Amount | $12,653,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $590,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $637,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 3,870,208,000 | 27 | $ 2,851,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,309,638,000 | 22 | $ 2,136,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 377,882,000 | 16 | $ 1,964,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 11 | $ 1,046,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 6 | $ 551,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 297,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,540,393,000 | 4 | $ 555,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 263,932,000 | 4 | $ 317,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,862,684,000 | 3 | $ 329,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 6,392,855,000 | 3 | $ 273,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 216,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 2 | $ 225,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 2 | $ 96,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 161,000 |
| Dundee Bank 5015 UNDERWOOD AVE OMAHA, NE 68132 |
* | $ 136,496,000 | 2 | $ 207,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ 152,415,000 | 2 | $ 408,000 |
| Archer Cooperative Credit Union 2121 ARCHER RD ARCHER, NE 68816 |
* | $ 61,683,000 | 1 | $ 35,000 |
| Jones National Bank and Trust Company of Seward, the PO BOX 469, 203 S 6TH ST SEWARD, NE 68434 |
* | $ 224,876,000 | 1 | $ 180,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 73,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 88,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Cornhusker Bank 8310 O STREET LINCOLN, NE 68510 |
* | $ 425,790,000 | 1 | $ 34,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 128,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 73,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 2,147,333,000 | 1 | $ 25,000 |
The tables below break down 2014 mortgage applications in Polk 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 Polk 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 | 58 | $5,169,000 | $89,000 | $320,000 | $55,000 | $190,000 |
| Refinancing | 41 | $5,901,000 | $143,000 | $590,000 | $115,000 | $637,000 |
| Home Improvement | 26 | $1,583,000 | $60,000 | $350,000 | $93,000 | $538,000 |
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 | 104 | $11,259,000 | $108,000 | $590,000 | $94,000 | $637,000 |
| Not applicable | 12 | $744,000 | $62,000 | $110,000 | $2,000 | $25,000 |
| Not Provided | 5 | $444,000 | $88,000 | $128,000 | $65,000 | $103,000 |
| Hispanic | 3 | $171,000 | $57,000 | $88,000 | $57,000 | $69,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $26,000 | $26,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 103 | $10,784,000 | $104,000 | $590,000 | $86,000 | $637,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,192,000 | $85,000 | $165,000 | $76,000 | $384,000 |
| FHA-insured (Federal Housing Administration) | 6 | $481,000 | $80,000 | $135,000 | $54,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 2 | $196,000 | $98,000 | $136,000 | $34,000 | $68,000 |
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 | 84 | $9,534,000 | $113,000 | $590,000 | $100,000 | $637,000 |
| Application Denied By Financial Institution | 17 | $1,070,000 | $62,000 | $160,000 | $56,000 | $110,000 |
| Loan Purchased By The Institution | 12 | $839,000 | $69,000 | $110,000 | $6,000 | $36,000 |
| Application Withdrawn By Applicant | 6 | $725,000 | $120,000 | $280,000 | $81,000 | $117,000 |
| Application Approved But Not Accepted | 5 | $258,000 | $51,000 | $125,000 | $70,000 | $117,000 |
| File Closed For Incompleteness | 1 | $227,000 | $227,000 | $227,000 | $53,000 | $53,000 |
| 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 | 2 | $83,000 | $41,000 | $73,000 | $44,000 | $52,000 |
| Collateral | 2 | $107,000 | $53,000 | $54,000 | $77,000 | $85,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 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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