In 2009, lenders reported 1,197 mortgage applications in Scotts Bluff County, NE totaling $127.1 million, down 8% from 2008. The average application was for $106,000, and applicants reported an average income of $56,000. 37% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank, NA, with 155 applications, followed by JPMorgan Chase Bank, NA and Embrace Home Loans, Inc..
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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 | 1,197 |
| Total Mortgage Loan Application Amount | $127,110,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $640,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $801,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 155 | $ 16,134,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 107 | $ 10,827,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 90 | $ 9,649,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 79 | $ 9,627,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 63 | $ 7,447,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,316,406,000 | 59 | $ 5,131,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 57 | $ 2,703,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 52 | $ 6,532,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 40 | $ 1,887,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 35 | $ 5,094,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 9,901,044,000 | 31 | $ 2,982,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 29 | $ 4,148,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 492,242,000 | 28 | $ 1,578,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 24 | $ 1,404,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 21 | $ 2,268,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 20 | $ 2,399,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 20 | $ 1,684,000 |
| Wallick and Volk 222 EAST 18TH CHEYENNE, WY 82001 |
* | $ 10,000,000 | 18 | $ 2,286,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 17 | $ 2,901,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 15 | $ 1,784,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 12 | $ 951,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 11 | $ 1,377,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 11 | $ 1,331,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 10 | $ 1,116,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 9 | $ 1,145,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 6,513,521,000 | 8 | $ 710,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 1,087,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 7 | $ 885,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 6 | $ 1,152,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 538,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 5 | $ 553,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 655,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 5 | $ 31,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 4 | $ 337,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 4 | $ 337,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 4 | $ 242,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 4 | $ 334,000 |
| Cherry Creek Mortgage Co., Inc 7600 EAST ORCHARD RD., STE 250-N GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 3 | $ 340,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 3 | $ 86,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 529,592,000 | 3 | $ 463,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 3 | $ 516,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 3 | $ 537,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 718,213,000 | 3 | $ 1,033,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 3 | $ 351,000 |
| Bank of Colorado 1609 EAST HARMONY RD FORT COLLINS, CO 80525 |
* | $ 1,856,818,000 | 3 | $ 278,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 686,792,000 | 2 | $ 119,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 2 | $ 142,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 2 | $ 408,000 |
| First National Bank P O BOX 730 TORRINGTON, WY 82240 |
* | $ 290,664,000 | 2 | $ 375,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 2,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 2 | $ 484,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 226,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 2 | $ 188,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 334,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 254,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 323,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 391,000 |
| Pinnacle Mortgage Group, Inc. 3605 SOUTH TELLER ST LAKEWOOD, CO 80235 |
* | $ 10,000,000 | 1 | $ 95,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Meridias Capital Incorporated P.O. BOX 241429 CHARLOTTE, NC 28273 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Firstrust Mortgage, Inc 6710 W. 121ST STREET OVERLAND PARK, KS 66209 |
* | $ 6,198,000 | 1 | $ 86,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 166,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 183,000 |
| Land/Home Financial Services 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 154,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 1,000 |
| Metro Credit Union 14517 F STREET SUITE 211 OMAHA, NE 68137 |
* | $ 152,014,000 | 1 | $ 16,000 |
| Blue Federal Credit Union PO BOX 3200 CHEYENNE, WY 82001 |
* | $ 258,217,000 | 1 | $ 30,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 1 | $ 95,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 99,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 176,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 9,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 59,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 1 | $ 58,000 |
| Equitable Bank 113-115 N. LOCUST STREET GRAND ISLAND, NE 68801 |
* | $ 210,026,000 | 1 | $ 97,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,503,790,000 | 1 | $ 80,000 |
| Westbound Bank 655 WEST GRAND PARKWAY SOUTH KATY, TX 77494 |
* | $ 150,677,000 | 1 | $ 142,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 2,568,044,000 | 1 | $ 235,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 427,899,000 | 1 | $ 94,000 |
| Beach First National Bank 3751 GRISSOM PARKWAY, SUITE 100 MYRTLE BEACH, SC 29577 |
* | $ 657,891,000 | 1 | $ 183,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 146,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 823,318,000 | 1 | $ 230,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 181,604,079,000 | 1 | $ 189,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 901,102,000 | 1 | $ 108,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 861,531,000 | 1 | $ 37,000 |
| Security National Bank 202 E. 2ND STREET LAUREL, NE 68745 |
* | $ 135,233,000 | 1 | $ 74,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 5,535,535,000 | 1 | $ 220,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 185,098,787,000 | 1 | $ 268,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 1 | $ 115,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 127,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 27,839,921,000 | 1 | $ 112,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 171,486,000 | 1 | $ 176,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 1 | $ 202,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 36,276,270,000 | 1 | $ 15,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 542,235,000 | 1 | $ 70,000 |
The tables below break down 2009 mortgage applications in Scotts Bluff County, NE by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 726 | $81,748,000 | $112,000 | $640,000 | $62,000 | $801,000 |
| Home Purchase | 386 | $42,400,000 | $109,000 | $513,000 | $44,000 | $650,000 |
| Home Improvement | 85 | $2,962,000 | $34,000 | $192,000 | $64,000 | $203,000 |
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 | 797 | $87,332,000 | $109,000 | $640,000 | $61,000 | $801,000 |
| Not applicable | 211 | $22,246,000 | $105,000 | $347,000 | $42,000 | $467,000 |
| Hispanic | 99 | $7,621,000 | $76,000 | $256,000 | $48,000 | $203,000 |
| Not Provided | 82 | $9,016,000 | $109,000 | $276,000 | $59,000 | $180,000 |
| American Indian or Alaskan Native | 4 | $498,000 | $124,000 | $200,000 | $54,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $174,000 | $87,000 | $97,000 | $17,000 | $34,000 |
| Asian | 1 | $63,000 | $63,000 | $63,000 | $24,000 | $24,000 |
| Black or African American | 1 | $160,000 | $160,000 | $160,000 | $39,000 | $39,000 |
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) | 688 | $68,897,000 | $100,000 | $640,000 | $68,000 | $801,000 |
| FHA-insured (Federal Housing Administration) | 341 | $40,189,000 | $117,000 | $276,000 | $48,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 123 | $11,400,000 | $92,000 | $600,000 | $13,000 | $162,000 |
| VA-guaranteed (Veterans Administration) | 45 | $6,624,000 | $147,000 | $513,000 | $45,000 | $650,000 |
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 | 445 | $49,458,000 | $111,000 | $600,000 | $68,000 | $801,000 |
| Loan Purchased By The Institution | 345 | $37,592,000 | $108,000 | $347,000 | $38,000 | $634,000 |
| Application Denied By Financial Institution | 227 | $21,770,000 | $95,000 | $342,000 | $54,000 | $180,000 |
| Application Withdrawn By Applicant | 108 | $10,789,000 | $99,000 | $640,000 | $60,000 | $300,000 |
| Application Approved But Not Accepted | 44 | $4,576,000 | $104,000 | $400,000 | $67,000 | $203,000 |
| File Closed For Incompleteness | 27 | $2,801,000 | $103,000 | $231,000 | $79,000 | $719,000 |
| Preapproval Denied by Financial Institution | 1 | $124,000 | $124,000 | $124,000 | $26,000 | $26,000 |
| Preapproval 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 |
|---|---|---|---|---|---|---|
| Credit History | 49 | $3,112,000 | $63,000 | $300,000 | $54,000 | $114,000 |
| Collateral | 38 | $4,533,000 | $119,000 | $342,000 | $62,000 | $160,000 |
| Debt-To-Income Ratio | 27 | $2,985,000 | $110,000 | $235,000 | $34,000 | $131,000 |
| Other | 18 | $1,430,000 | $79,000 | $176,000 | $66,000 | $110,000 |
| Unverifiable Information | 5 | $585,000 | $117,000 | $174,000 | $63,000 | $122,000 |
| Credit Application Incomplete | 5 | $544,000 | $108,000 | $186,000 | $53,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $475,000 | $158,000 | $212,000 | $47,000 | $78,000 |
| Employment History | 1 | $112,000 | $112,000 | $112,000 | $58,000 | $58,000 |
| 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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