Sherman County, NE Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 54 mortgage applications in Sherman County, NE totaling $6.9 million, down 19% from 2016. The average application was for $127,000, and applicants reported an average income of $87,000. 63% of applications resulted in an originated loan and 20% were denied. The most active lender was Citizens Bank & Trust Company, with 17 applications, followed by US Bank, N.A. and Five Points Bank.
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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 | 54 |
| Total Mortgage Loan Application Amount | $6,908,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $1,230,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $1,278,000 |
| 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 |
* | $ 180,229,000 | 17 | $ 1,441,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 4 | $ 217,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 980,388,000 | 2 | $ 201,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 2 | $ 50,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 85,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,595,637,000 | 2 | $ 1,624,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 203,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 276,666,000 | 2 | $ 53,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,938,350,000 | 2 | $ 209,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 89,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 1 | $ 83,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 100,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 100,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 230,622,000 | 1 | $ 120,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 89,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,490,790,000 | 1 | $ 895,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 66,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 187,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 489,376,000 | 1 | $ 228,000 |
| Access Bank 8712 WEST DODGE ROAD OMAHA, NE 68114 |
* | $ 323,092,000 | 1 | $ 24,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 613,505,000 | 1 | $ 18,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 1 | $ 24,000 |
| Archer Cooperative Credit Union 2121 ARCHER RD ARCHER, NE 68816 |
* | $ 64,109,000 | 1 | $ 220,000 |
The tables below break down 2017 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 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 26 | $2,333,000 | $89,000 | $228,000 | $46,000 | $193,000 |
| Refinancing | 22 | $4,405,000 | $200,000 | $1,230,000 | $140,000 | $1,278,000 |
| Home Improvement | 6 | $170,000 | $28,000 | $47,000 | $74,000 | $145,000 |
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 | 38 | $5,479,000 | $144,000 | $1,230,000 | $111,000 | $1,278,000 |
| Not Provided | 8 | $1,073,000 | $134,000 | $225,000 | $51,000 | $103,000 |
| Not applicable | 6 | $284,000 | $47,000 | $89,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $40,000 | $40,000 | $40,000 | $48,000 | $48,000 |
| Black or African American | 1 | $32,000 | $32,000 | $32,000 | $41,000 | $41,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 45 | $6,140,000 | $136,000 | $1,230,000 | $99,000 | $1,278,000 |
| FHA-insured (Federal Housing Administration) | 5 | $318,000 | $63,000 | $89,000 | $20,000 | $39,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $247,000 | $123,000 | $187,000 | $30,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 2 | $203,000 | $101,000 | $130,000 | $55,000 | $69,000 |
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 | 34 | $5,366,000 | $157,000 | $1,230,000 | $115,000 | $1,278,000 |
| Application Denied By Financial Institution | 11 | $906,000 | $82,000 | $225,000 | $50,000 | $145,000 |
| Application Withdrawn By Applicant | 4 | $320,000 | $80,000 | $183,000 | $35,000 | $71,000 |
| Loan Purchased By The Institution | 3 | $173,000 | $57,000 | $89,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $143,000 | $71,000 | $73,000 | $49,000 | $58,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $465,000 | $155,000 | $225,000 | $74,000 | $103,000 |
| Collateral | 3 | $163,000 | $54,000 | $100,000 | $34,000 | $48,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $145,000 | $145,000 |
| Credit History | 1 | $70,000 | $70,000 | $70,000 | $0 | $0 |
| Other | 1 | $27,000 | $27,000 | $27,000 | $18,000 | $18,000 |
| Employment History | 1 | $26,000 | $26,000 | $26,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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