Richardson County, NE Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 179 mortgage applications in Richardson County, NE totaling $15.6 million, down 22% from 2018. The average application was for $87,000, and applicants reported an average income of $72,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was Frontier Bank, with 46 applications, followed by West Gate Bank and American National 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 | 179 |
| Total Mortgage Loan Application Amount | $15,595,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $502,000 |
| 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 |
* | $ 806,125,000 | 46 | $ 3,900,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 611,001,000 | 21 | $ 1,655,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 3,715,868,000 | 18 | $ 950,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 10 | $ 710,000 |
| State Bank of Table Rock 402 HOUSTON TABLE ROCK, NE 68447 |
* | $ 86,406,000 | 9 | $ 725,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 7 | $ 625,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 6 | $ 1,080,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 565,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 4 | $ 200,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 4 | $ 620,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 205,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 3 | $ 235,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 3 | $ 325,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 310,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 2 | $ 110,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 2 | $ 150,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 370,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 310,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 180,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 65,000 |
| University of Nebraska 1720 P STREET LINCOLN, NE 68508 |
* | $ 103,288,000 | 1 | $ 25,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ 270,476,000 | 1 | $ 25,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 4,149,669,000 | 1 | $ 45,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 155,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 45,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 155,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 105,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 18,449,940,000 | 1 | $ 35,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 627,476,000 | 1 | $ 115,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 35,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 8,516,051,000 | 1 | $ 25,000 |
| Community National Bank 210 MAIN ST SENECA, KS 66538 |
* | $ 449,537,000 | 1 | $ 25,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 312,093,000 | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 65,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 318,389,000 | 1 | $ 105,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 15,000 |
The tables below break down 2019 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 2019
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 | 88 | $6,430,000 | $73,000 | $295,000 | $59,000 | $198,000 |
| Refinancing | 43 | $6,015,000 | $139,000 | $395,000 | $105,000 | $502,000 |
| Cash-out Refinancing | 20 | $1,900,000 | $95,000 | $245,000 | $77,000 | $142,000 |
| Other Purpose | 14 | $760,000 | $54,000 | $155,000 | $57,000 | $130,000 |
| Home Improvement | 12 | $380,000 | $31,000 | $75,000 | $57,000 | $113,000 |
| Not Applicable | 2 | $110,000 | $55,000 | $55,000 | $0 | $0 |
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 | 128 | $10,110,000 | $78,000 | $355,000 | $67,000 | $236,000 |
| Not applicable | 26 | $2,320,000 | $89,000 | $285,000 | $119,000 | $162,000 |
| Not Provided | 17 | $2,415,000 | $142,000 | $395,000 | $87,000 | $502,000 |
| American Indian or Alaskan Native | 6 | $330,000 | $55,000 | $115,000 | $72,000 | $128,000 |
| Asian | 1 | $295,000 | $295,000 | $295,000 | $120,000 | $120,000 |
| Hispanic | 1 | $125,000 | $125,000 | $125,000 | $102,000 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 128 | $11,230,000 | $87,000 | $395,000 | $78,000 | $502,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,000,000 | $83,000 | $255,000 | $44,000 | $87,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $920,000 | $65,000 | $125,000 | $38,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,445,000 | $111,000 | $215,000 | $78,000 | $126,000 |
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 | 97 | $9,005,000 | $92,000 | $395,000 | $73,000 | $502,000 |
| Application Denied By Financial Institution | 38 | $2,390,000 | $62,000 | $245,000 | $60,000 | $142,000 |
| Loan Purchased By The Institution | 25 | $2,645,000 | $105,000 | $395,000 | $87,000 | $162,000 |
| Application Withdrawn By Applicant | 11 | $1,095,000 | $99,000 | $215,000 | $92,000 | $198,000 |
| Application Approved But Not Accepted | 7 | $395,000 | $56,000 | $165,000 | $61,000 | $109,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $108,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 125 | $11,215,000 | $89,000 | $395,000 | $77,000 | $502,000 |
| Debt-To-Income Ratio | 22 | $2,420,000 | $110,000 | $395,000 | $59,000 | $162,000 |
| Credit History | 17 | $825,000 | $48,000 | $155,000 | $60,000 | $94,000 |
| Collateral | 7 | $575,000 | $82,000 | $165,000 | $71,000 | $126,000 |
| Credit Application Incomplete | 7 | $515,000 | $73,000 | $185,000 | $62,000 | $114,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $6,000 | $6,000 |
| 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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