Rock County, NE Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 13 mortgage applications in Rock County, NE totaling $904,000, up 30% from 2010. The average application was for $69,000, and applicants reported an average income of $61,000. 54% of applications resulted in an originated loan and 8% were denied. The most active lender was Wells Fargo Bank NA, with 2 applications, followed by US Bank, N.A. and West Gate Bank.

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Total Number of Mortgage Applications 13
Total Mortgage Loan Application Amount $904,000
Average Mortgage Loan Application Amount $69,000
Highest Mortgage Loan Application Amount $161,000
Average Applicant Income $61,000
Highest Applicant Income $150,000

Mortgage Company List for Lending in Rock County, NE for 2011

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 2 $ 99,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 2 $ 192,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 294,228,000 2 $ 144,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 12,658,976,000 1 $ 58,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 1 $ 56,000
Mutual of Omaha Bank
3333 FARNAM ST
OMAHA, NE 68131
* $ 4,876,840,000 1 $ 42,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 1 $ 34,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 77,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 161,000

The tables below break down 2011 mortgage applications in Rock 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 Rock County, NE in 2011

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 10 $779,000 $77,000 $161,000 $68,000 $150,000
Home Purchase 3 $125,000 $41,000 $49,000 $37,000 $49,000
Home Improvement 0 $0 $0 $0 $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 10 $636,000 $63,000 $161,000 $61,000 $150,000
Not Provided 3 $268,000 $89,000 $150,000 $61,000 $67,000
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
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
Not applicable 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) 9 $695,000 $77,000 $161,000 $67,000 $150,000
FHA-insured (Federal Housing Administration) 4 $209,000 $52,000 $77,000 $46,000 $60,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

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 7 $502,000 $71,000 $161,000 $69,000 $150,000
Application Withdrawn By Applicant 3 $126,000 $42,000 $50,000 $52,000 $74,000
File Closed For Incompleteness 1 $77,000 $77,000 $77,000 $60,000 $60,000
Application Approved But Not Accepted 1 $49,000 $49,000 $49,000 $25,000 $25,000
Application Denied By Financial Institution 1 $150,000 $150,000 $150,000 $67,000 $67,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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 1 $150,000 $150,000 $150,000 $67,000 $67,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 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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