Richardson County, NE Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 268 mortgage applications in Richardson County, NE totaling $20.8 million, up 53% from 2015. The average application was for $77,000, and applicants reported an average income of $68,000. 64% of applications resulted in an originated loan and 22% were denied. The most active lender was Frontier Bank, with 137 applications, followed by American National 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 | 268 |
| Total Mortgage Loan Application Amount | $20,825,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $477,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $282,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 651,502,000 | 137 | $ 9,073,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 2,957,377,000 | 22 | $ 1,468,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 435,793,000 | 18 | $ 1,650,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 9 | $ 1,499,000 |
| State Bank of Table Rock 402 HOUSTON TABLE ROCK, NE 68447 |
* | $ 65,130,000 | 8 | $ 249,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 6 | $ 490,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 4 | $ 284,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 8,231,396,000 | 4 | $ 430,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,617,322,000 | 4 | $ 277,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 668,251,000 | 3 | $ 128,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,351,909,000 | 3 | $ 111,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 3 | $ 333,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 2 | $ 492,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 2 | $ 74,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 341,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ 2,800,000 | 2 | $ 113,000 |
| Firstbank of Nebraska 201 E 5TH ST WAHOO, NE 68066 |
* | $ 222,834,000 | 2 | $ 83,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 109,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 313,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 172,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 1 | $ 15,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 1 | $ 205,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,302,336,000 | 1 | $ 305,000 |
| First Nebraska Credit Union 10655 BEDFORD AVE OMAHA, NE 68134 |
* | $ 115,053,000 | 1 | $ 45,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 22,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 33,000 |
| The Farmers State Bank 211 ST. JOSEPH STREET WATHENA, KS 66090 |
* | $ 62,143,000 | 1 | $ 60,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 82,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 947,219,000 | 1 | $ 109,000 |
| Community National Bank 210 MAIN ST SENECA, KS 66538 |
* | $ 412,460,000 | 1 | $ 23,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 33,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 105,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 15,843,566,000 | 1 | $ 70,000 |
| Bank of Blue Valley 6740 ANTIOCH MERRIAM, KS 66204 |
* | $ 902,917,000 | 1 | $ 300,000 |
| First Heritage Bank 620 FOURTH STREET CENTRALIA, KS 66415 |
* | $ 135,054,000 | 1 | $ 1,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 585,828,000 | 1 | $ 55,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 1 | $ 8,000 |
The tables below break down 2016 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 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 | 124 | $7,501,000 | $60,000 | $291,000 | $62,000 | $251,000 |
| Refinancing | 108 | $11,642,000 | $107,000 | $477,000 | $74,000 | $282,000 |
| Home Improvement | 36 | $1,682,000 | $46,000 | $305,000 | $70,000 | $251,000 |
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 | 232 | $17,181,000 | $74,000 | $409,000 | $69,000 | $282,000 |
| Not applicable | 10 | $1,041,000 | $104,000 | $416,000 | $46,000 | $162,000 |
| Not Provided | 9 | $921,000 | $102,000 | $365,000 | $82,000 | $278,000 |
| American Indian or Alaskan Native | 7 | $977,000 | $139,000 | $477,000 | $63,000 | $196,000 |
| Hispanic | 7 | $573,000 | $81,000 | $305,000 | $50,000 | $87,000 |
| Black or African American | 2 | $126,000 | $63,000 | $71,000 | $38,000 | $48,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $6,000 | $6,000 | $6,000 | $38,000 | $38,000 |
| Asian | 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) | 216 | $15,483,000 | $71,000 | $477,000 | $70,000 | $282,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,089,000 | $90,000 | $270,000 | $48,000 | $260,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,334,000 | $78,000 | $300,000 | $42,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,919,000 | $159,000 | $409,000 | $103,000 | $260,000 |
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 | 172 | $12,472,000 | $72,000 | $477,000 | $67,000 | $251,000 |
| Application Denied By Financial Institution | 58 | $5,082,000 | $87,000 | $409,000 | $74,000 | $282,000 |
| Application Withdrawn By Applicant | 12 | $748,000 | $62,000 | $100,000 | $58,000 | $92,000 |
| Loan Purchased By The Institution | 12 | $1,063,000 | $88,000 | $208,000 | $67,000 | $162,000 |
| Application Approved But Not Accepted | 10 | $1,216,000 | $121,000 | $400,000 | $49,000 | $134,000 |
| File Closed For Incompleteness | 4 | $244,000 | $61,000 | $109,000 | $95,000 | $260,000 |
| 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 | 5 | $693,000 | $138,000 | $409,000 | $125,000 | $256,000 |
| Debt-To-Income Ratio | 4 | $531,000 | $132,000 | $409,000 | $90,000 | $211,000 |
| Credit History | 2 | $232,000 | $116,000 | $222,000 | $72,000 | $85,000 |
| Credit Application Incomplete | 1 | $365,000 | $365,000 | $365,000 | $278,000 | $278,000 |
| Other | 1 | $41,000 | $41,000 | $41,000 | $31,000 | $31,000 |
| 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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