In 2013, lenders reported 1,226 mortgage applications in Scotts Bluff County, NE totaling $175.3 million, up 18% from 2012. The average application was for $143,000, and applicants reported an average income of $65,000. 50% of applications resulted in an originated loan and 18% were denied. The most active lender was US Bank, N.A., with 182 applications, followed by Valley Bank and Trust and JPMorgan Chase Bank, NA.
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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 | 1,226 |
| Total Mortgage Loan Application Amount | $175,336,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $41,674,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $749,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 182 | $ 16,398,000 |
| Valley Bank and Trust 1701 1ST AVENUE SCOTTSBLUFF, NE 69361 |
* | $ 331,272,000 | 163 | $ 19,617,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 104 | $ 10,628,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 101 | $ 8,710,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 354,250,000 | 76 | $ 9,583,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,077,575,000 | 68 | $ 8,505,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 55 | $ 4,901,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 49 | $ 7,169,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 38 | $ 3,068,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 24 | $ 2,428,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 24 | $ 2,382,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 2,435,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 660,628,000 | 21 | $ 1,725,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 13 | $ 1,518,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 12 | $ 1,261,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 12 | $ 1,288,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 12 | $ 1,821,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 11 | $ 1,606,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 11 | $ 676,000 |
| Platte Valley Bank SCOTTSBLUFF, NE 69361 |
* | $ 221,445,000 | 10 | $ 1,158,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 9 | $ 1,456,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 9 | $ 1,382,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 7 | $ 741,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,500,067,000 | 6 | $ 585,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 6 | $ 739,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 668,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 5 | $ 526,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 655,000 |
| Washington County Bank PO BOX 248 BLAIR, NE 68008 |
* | $ 313,835,000 | 5 | $ 346,000 |
| Points West Community Bank P O BOX 157 SIDNEY, NE 69162 |
* | $ 348,783,000 | 5 | $ 1,358,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 4 | $ 803,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 646,232,000 | 4 | $ 89,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 675,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 448,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 3 | $ 359,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 3 | $ 322,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 636,087,000 | 3 | $ 588,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 3 | $ 214,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 5,923,392,000 | 3 | $ 259,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 318,000 |
| Meridian Trust Federal Credit Union PO BOX 548 CHEYENNE, WY 82003 |
* | $ 263,963,000 | 3 | $ 213,000 |
| Wallick and Volk, Inc. 222 E. 18TH ST. CHEYENNE, WY 82001 |
* | $ 10,000,000 | 2 | $ 261,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 366,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 328,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 485,714,000 | 2 | $ 8,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 2 | $ 128,000 |
| Jonah Bank of Wyoming 777 WEST 1ST STREET CASPER, WY 82601 |
* | $ 228,997,000 | 2 | $ 270,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 2 | $ 139,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 175,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 153,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 2 | $ 175,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 478,049,000 | 2 | $ 579,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 128,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 178,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 37,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 232,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 108,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 83,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 627,435,000 | 1 | $ 151,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 475,008,000 | 1 | $ 168,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 1 | $ 100,000 |
| Firstier Bank 115 S WALNUT STREET, PO BOX 730 KIMBALL, NE 69145 |
* | $ 250,519,000 | 1 | $ 7,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 92,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 71,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 176,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 84,000 |
| Agriculture Federal Credit Union 1400 INDEPENDENCE AVE SW WASHINGTON, DC 20250 |
* | $ 235,466,000 | 1 | $ 100,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 3,757,956,000 | 1 | $ 153,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 1 | $ 415,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,667,944,000 | 1 | $ 198,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 92,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 1 | $ 297,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 63,343,359,000 | 1 | $ 48,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 79,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 570,099,000 | 1 | $ 44,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 187,000 |
| Tiaa-Cref Trust Company FSB 211 NORTH BROADWAY, STE 1000 ST. LOUIS, MO 63102 |
* | $ 2,308,229,000 | 1 | $ 185,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 49,000 |
| Emery Federal Credit Union 7890 EAST KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 152,337,000 | 1 | $ 99,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 41,674,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 274,539,000 | 1 | $ 170,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,694,310,000 | 1 | $ 74,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 881,054,000 | 1 | $ 132,000 |
| Blue Federal Credit Union PO BOX 3200 CHEYENNE, WY 82001 |
* | $ 437,595,000 | 1 | $ 75,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,173,000 | 1 | $ 112,000 |
The tables below break down 2013 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 | 738 | $123,004,000 | $166,000 | $41,674,000 | $70,000 | $600,000 |
| Home Purchase | 406 | $48,889,000 | $120,000 | $428,000 | $56,000 | $749,000 |
| Home Improvement | 82 | $3,443,000 | $41,000 | $182,000 | $67,000 | $353,000 |
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 | 865 | $95,267,000 | $110,000 | $431,000 | $69,000 | $749,000 |
| Not applicable | 143 | $58,169,000 | $406,000 | $41,674,000 | $27,000 | $550,000 |
| Not Provided | 113 | $13,417,000 | $118,000 | $415,000 | $83,000 | $396,000 |
| Hispanic | 98 | $7,791,000 | $79,000 | $225,000 | $65,000 | $600,000 |
| American Indian or Alaskan Native | 3 | $235,000 | $78,000 | $102,000 | $43,000 | $48,000 |
| Asian | 2 | $359,000 | $179,000 | $194,000 | $76,000 | $108,000 |
| Black or African American | 1 | $81,000 | $81,000 | $81,000 | $56,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $17,000 | $17,000 | $17,000 | $95,000 | $95,000 |
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) | 858 | $91,612,000 | $106,000 | $1,068,000 | $76,000 | $749,000 |
| FHA-insured (Federal Housing Administration) | 157 | $59,046,000 | $376,000 | $41,674,000 | $40,000 | $148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 138 | $14,915,000 | $108,000 | $212,000 | $33,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 73 | $9,763,000 | $133,000 | $431,000 | $54,000 | $265,000 |
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 | 609 | $69,920,000 | $114,000 | $1,068,000 | $74,000 | $749,000 |
| Loan Purchased By The Institution | 247 | $68,032,000 | $275,000 | $41,674,000 | $45,000 | $550,000 |
| Application Denied By Financial Institution | 217 | $19,840,000 | $91,000 | $293,000 | $57,000 | $265,000 |
| Application Withdrawn By Applicant | 64 | $8,187,000 | $127,000 | $415,000 | $81,000 | $600,000 |
| Application Approved But Not Accepted | 55 | $5,616,000 | $102,000 | $340,000 | $77,000 | $569,000 |
| File Closed For Incompleteness | 34 | $3,741,000 | $110,000 | $232,000 | $59,000 | $174,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 61 | $3,588,000 | $58,000 | $169,000 | $62,000 | $243,000 |
| Collateral | 25 | $2,351,000 | $94,000 | $228,000 | $59,000 | $215,000 |
| Debt-To-Income Ratio | 20 | $2,379,000 | $118,000 | $269,000 | $60,000 | $207,000 |
| Credit Application Incomplete | 12 | $1,584,000 | $132,000 | $293,000 | $75,000 | $161,000 |
| Other | 10 | $766,000 | $76,000 | $130,000 | $36,000 | $120,000 |
| Unverifiable Information | 4 | $436,000 | $109,000 | $231,000 | $52,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $463,000 | $154,000 | $200,000 | $44,000 | $134,000 |
| Employment History | 1 | $7,000 | $7,000 | $7,000 | $25,000 | $25,000 |
| 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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