Sherman County, NE Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 67 mortgage applications in Sherman County, NE totaling $7.1 million, up 26% from 2013. The average application was for $106,000, and applicants reported an average income of $64,000. 54% of applications resulted in an originated loan and 24% were denied. The most active lender was Citizens Bank & Trust Company, with 14 applications, followed by West Gate Bank and US Bank, N.A..
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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 | 67 |
| Total Mortgage Loan Application Amount | $7,109,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $669,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $803,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citizens Bank & Trust Company PO BOX 385, 7217TH STREET ST. PAUL, NE 68873 |
* | $ 142,824,000 | 14 | $ 1,354,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 377,882,000 | 6 | $ 502,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 5 | $ 284,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,540,393,000 | 4 | $ 503,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 3 | $ 472,000 |
| Dundee Bank 5015 UNDERWOOD AVE OMAHA, NE 68132 |
* | $ 136,496,000 | 3 | $ 175,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 3,870,208,000 | 2 | $ 201,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 185,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 566,294,000 | 2 | $ 225,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 237,568,000 | 2 | $ 192,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,862,684,000 | 2 | $ 1,023,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 172,144,000 | 2 | $ 384,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 6,392,855,000 | 2 | $ 184,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 2 | $ 30,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 47,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 289,551,000 | 1 | $ 84,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 2,147,333,000 | 1 | $ 150,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 1 | $ 82,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 26,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 45,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 902,939,000 | 1 | $ 108,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,011,858,000 | 1 | $ 400,000 |
| Archer Cooperative Credit Union 2121 ARCHER RD ARCHER, NE 68816 |
* | $ 61,683,000 | 1 | $ 15,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 26,000 |
The tables below break down 2014 mortgage applications in Sherman 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 Sherman County, NE in 2014
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 | 33 | $4,179,000 | $126,000 | $669,000 | $77,000 | $803,000 |
| Home Purchase | 26 | $2,333,000 | $89,000 | $200,000 | $43,000 | $111,000 |
| Home Improvement | 8 | $597,000 | $74,000 | $200,000 | $76,000 | $165,000 |
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 | 58 | $5,970,000 | $102,000 | $669,000 | $69,000 | $803,000 |
| Not applicable | 6 | $750,000 | $125,000 | $387,000 | $6,000 | $36,000 |
| Not Provided | 2 | $189,000 | $94,000 | $150,000 | $93,000 | $109,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $200,000 | $200,000 | $200,000 | $83,000 | $83,000 |
| 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 |
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) | 53 | $6,169,000 | $116,000 | $669,000 | $75,000 | $803,000 |
| FHA-insured (Federal Housing Administration) | 7 | $342,000 | $48,000 | $75,000 | $28,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $430,000 | $86,000 | $180,000 | $11,000 | $31,000 |
| VA-guaranteed (Veterans Administration) | 2 | $168,000 | $84,000 | $84,000 | $23,000 | $47,000 |
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 | 36 | $4,155,000 | $115,000 | $669,000 | $80,000 | $803,000 |
| Application Denied By Financial Institution | 16 | $1,612,000 | $100,000 | $400,000 | $58,000 | $220,000 |
| Application Approved But Not Accepted | 5 | $531,000 | $106,000 | $184,000 | $49,000 | $77,000 |
| Loan Purchased By The Institution | 5 | $363,000 | $72,000 | $86,000 | $7,000 | $36,000 |
| Application Withdrawn By Applicant | 4 | $409,000 | $102,000 | $180,000 | $21,000 | $44,000 |
| File Closed For Incompleteness | 1 | $39,000 | $39,000 | $39,000 | $109,000 | $109,000 |
| 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 | 5 | $633,000 | $126,000 | $400,000 | $95,000 | $220,000 |
| Debt-To-Income Ratio | 3 | $192,000 | $64,000 | $101,000 | $20,000 | $31,000 |
| Collateral | 1 | $132,000 | $132,000 | $132,000 | $95,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $72,000 | $72,000 | $72,000 | $0 | $0 |
| Other | 1 | $200,000 | $200,000 | $200,000 | $72,000 | $72,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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