Rock County, NE Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 25 mortgage applications in Rock County, NE totaling $1.0 million, down 32% from 2004. The average application was for $41,000, and applicants reported an average income of $33,000. 60% of applications resulted in an originated loan and 28% were denied. The most active lender was Tierone Bank, with 4 applications, followed by Union Bank and Trust Company and Netbank Fundings Services.
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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 | 25 |
| Total Mortgage Loan Application Amount | $1,031,000 |
| Average Mortgage Loan Application Amount | $41,000 |
| Highest Mortgage Loan Application Amount | $88,000 |
| Average Applicant Income | $33,000 |
| Highest Applicant Income | $97,000 |
Top Mortgage Lenders in Rock County, NE (2005)
Ranked by the number of mortgage applications each lender reported in Rock County, NE in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Tierone Bank Lincoln, NE |
4 | $83,000 | $20,000 | $36,000 |
| 2 | Union Bank and Trust Company Lincoln, NE |
4 | $120,000 | $30,000 | $31,000 |
| 3 | Netbank Fundings Services Columbia, SC |
4 | $176,000 | $44,000 | $29,000 |
| 4 | Pinnacle Bank Lincoln, NE |
2 | $94,000 | $47,000 | $50,000 |
| 5 | Citicorp Trust Bank, FSB New York, NY |
2 | $108,000 | $54,000 | $35,000 |
| 6 | Citifinancial, Inc. Baltimore, MD |
1 | $65,000 | $65,000 | $8,000 |
| 7 | Citifinancial Mtg Co, Inc Irving, TX |
1 | $70,000 | $70,000 | $0 |
| 8 | Citimortgage, Inc New York, NY |
1 | $70,000 | $70,000 | $37,000 |
| 9 | JPMorgan Chase Bank, NA Columbus, OH |
1 | $88,000 | $88,000 | $97,000 |
| 10 | Universal Mortgage Corporation Mequon, WI |
1 | $49,000 | $49,000 | $35,000 |
The tables below break down 2005 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 2005
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 | 11 | $457,000 | $41,000 | $80,000 | $29,000 | $54,000 |
| Home Purchase | 10 | $513,000 | $51,000 | $88,000 | $37,000 | $97,000 |
| Home Improvement | 4 | $61,000 | $15,000 | $20,000 | $34,000 | $59,000 |
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 | 22 | $936,000 | $42,000 | $88,000 | $33,000 | $97,000 |
| Not Provided | 2 | $25,000 | $12,000 | $15,000 | $49,000 | $59,000 |
| Not applicable | 1 | $70,000 | $70,000 | $70,000 | $0 | $0 |
| 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 |
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) | 25 | $1,031,000 | $41,000 | $88,000 | $33,000 | $97,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 15 | $561,000 | $37,000 | $88,000 | $35,000 | $97,000 |
| Application Denied By Financial Institution | 7 | $345,000 | $49,000 | $80,000 | $36,000 | $66,000 |
| Application Withdrawn By Applicant | 1 | $28,000 | $28,000 | $28,000 | $42,000 | $42,000 |
| File Closed For Incompleteness | 1 | $27,000 | $27,000 | $27,000 | $16,000 | $16,000 |
| Loan Purchased By The Institution | 1 | $70,000 | $70,000 | $70,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 2 | $95,000 | $47,000 | $80,000 | $44,000 | $59,000 |
| Collateral | 1 | $53,000 | $53,000 | $53,000 | $22,000 | $22,000 |
| Debt-To-Income Ratio | 1 | $16,000 | $16,000 | $16,000 | $22,000 | $22,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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