Richardson County, NE Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 175 mortgage applications in Richardson County, NE totaling $13.0 million, up 13% from 2011. The average application was for $74,000, and applicants reported an average income of $64,000. 57% of applications resulted in an originated loan and 18% were denied. The most active lender was American National Bank, with 39 applications, followed by Wells Fargo Bank NA and First National Bank of Omaha.
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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 | 175 |
| Total Mortgage Loan Application Amount | $13,041,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $649,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $1,303,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 1,928,109,000 | 39 | $ 2,105,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 25 | $ 1,962,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 13,433,098,000 | 10 | $ 1,182,000 |
| State Bank of Table Rock 402 HOUSTON TABLE ROCK, NE 68447 |
* | $ 50,371,000 | 10 | $ 633,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,458,002,000 | 9 | $ 534,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,481,611,000 | 7 | $ 364,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 494,000 |
| Bank of Blue Valley 6740 ANTIOCH MERRIAM, KS 66204 |
* | $ 646,849,000 | 7 | $ 347,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 7 | $ 535,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 155,546,000 | 6 | $ 839,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 5 | $ 291,000 |
| Community National Bank 210 MAIN ST SENECA, KS 66538 |
* | $ 231,492,000 | 4 | $ 192,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 4 | $ 490,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 317,191,000 | 3 | $ 198,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 2 | $ 82,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 5,553,220,000 | 2 | $ 168,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 128,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 2 | $ 208,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 125,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 2 | $ 225,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 89,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 119,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 110,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 277,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 169,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 250,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 512,660,000 | 1 | $ 24,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 1 | $ 16,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 1 | $ 100,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 503,365,000 | 1 | $ 52,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 1 | $ 180,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 45,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 38,000 |
| Horizon Bank 10841 N 142ND STREET WAVERLY, NE 68462 |
* | $ 197,517,000 | 1 | $ 70,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 57,000 |
The tables below break down 2012 mortgage applications in Richardson 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 Richardson County, NE in 2012
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 | 101 | $9,750,000 | $96,000 | $649,000 | $81,000 | $1,303,000 |
| Home Purchase | 49 | $2,500,000 | $51,000 | $150,000 | $38,000 | $114,000 |
| Home Improvement | 25 | $791,000 | $31,000 | $136,000 | $49,000 | $106,000 |
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 | 143 | $10,774,000 | $75,000 | $649,000 | $72,000 | $1,303,000 |
| Not applicable | 15 | $934,000 | $62,000 | $158,000 | $14,000 | $92,000 |
| Not Provided | 9 | $812,000 | $90,000 | $150,000 | $36,000 | $80,000 |
| American Indian or Alaskan Native | 8 | $521,000 | $65,000 | $127,000 | $55,000 | $109,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 140 | $10,361,000 | $74,000 | $649,000 | $72,000 | $1,303,000 |
| FHA-insured (Federal Housing Administration) | 25 | $1,626,000 | $65,000 | $127,000 | $37,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 6 | $572,000 | $95,000 | $150,000 | $26,000 | $73,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $482,000 | $120,000 | $280,000 | $21,000 | $46,000 |
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 | 99 | $7,588,000 | $76,000 | $649,000 | $76,000 | $1,303,000 |
| Application Denied By Financial Institution | 31 | $2,200,000 | $70,000 | $250,000 | $57,000 | $165,000 |
| Loan Purchased By The Institution | 24 | $1,763,000 | $73,000 | $277,000 | $34,000 | $149,000 |
| Application Withdrawn By Applicant | 12 | $924,000 | $77,000 | $169,000 | $54,000 | $112,000 |
| Application Approved But Not Accepted | 7 | $360,000 | $51,000 | $127,000 | $61,000 | $149,000 |
| File Closed For Incompleteness | 2 | $206,000 | $103,000 | $150,000 | $39,000 | $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 | 9 | $373,000 | $41,000 | $100,000 | $50,000 | $115,000 |
| Debt-To-Income Ratio | 6 | $549,000 | $91,000 | $176,000 | $58,000 | $165,000 |
| Collateral | 4 | $208,000 | $52,000 | $74,000 | $45,000 | $58,000 |
| Credit Application Incomplete | 3 | $303,000 | $101,000 | $250,000 | $69,000 | $128,000 |
| Employment History | 2 | $133,000 | $66,000 | $110,000 | $71,000 | $92,000 |
| Other | 1 | $87,000 | $87,000 | $87,000 | $52,000 | $52,000 |
| Unverifiable Information | 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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