Thayer County, NE Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 85 mortgage applications in Thayer County, NE totaling $7.4 million, down 11% from 2008. The average application was for $87,000, and applicants reported an average income of $61,000. 44% of applications resulted in an originated loan and 21% were denied. The most active lender was Wells Fargo Bank, NA, with 13 applications, followed by Tierone Bank 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 | 85 |
| Total Mortgage Loan Application Amount | $7,421,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $320,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $558,000 |
| 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 | 13 | $ 1,207,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,316,406,000 | 11 | $ 589,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 678,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,437,453,000 | 8 | $ 284,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 901,102,000 | 5 | $ 488,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 5 | $ 317,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 3 | $ 321,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 88,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 3 | $ 548,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 95,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 115,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 2 | $ 640,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 2 | $ 104,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 172,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 179,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 205,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 9,901,044,000 | 1 | $ 104,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 86,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 173,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 80,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Equitable Bank 113-115 N. LOCUST STREET GRAND ISLAND, NE 68801 |
* | $ 210,026,000 | 1 | $ 46,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 42,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 67,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 53,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 382,875,000 | 1 | $ 5,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 1 | $ 155,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 362,421,000 | 1 | $ 300,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 1 | $ 100,000 |
The tables below break down 2009 mortgage applications in Thayer 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 Thayer County, NE in 2009
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 | 56 | $4,702,000 | $83,000 | $300,000 | $59,000 | $144,000 |
| Home Purchase | 21 | $1,908,000 | $90,000 | $320,000 | $43,000 | $114,000 |
| Home Improvement | 8 | $811,000 | $101,000 | $275,000 | $121,000 | $558,000 |
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 | 70 | $5,814,000 | $83,000 | $320,000 | $58,000 | $144,000 |
| Not applicable | 7 | $930,000 | $132,000 | $300,000 | $93,000 | $558,000 |
| Not Provided | 6 | $580,000 | $96,000 | $173,000 | $70,000 | $120,000 |
| Asian | 1 | $59,000 | $59,000 | $59,000 | $43,000 | $43,000 |
| Hispanic | 1 | $38,000 | $38,000 | $38,000 | $41,000 | $41,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 58 | $5,088,000 | $87,000 | $320,000 | $66,000 | $558,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,034,000 | $88,000 | $219,000 | $55,000 | $109,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $102,000 | $51,000 | $52,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 2 | $197,000 | $98,000 | $130,000 | $33,000 | $67,000 |
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 | 37 | $3,056,000 | $82,000 | $300,000 | $68,000 | $558,000 |
| Application Denied By Financial Institution | 18 | $1,493,000 | $82,000 | $219,000 | $57,000 | $120,000 |
| Application Withdrawn By Applicant | 12 | $1,120,000 | $93,000 | $320,000 | $58,000 | $114,000 |
| Loan Purchased By The Institution | 11 | $900,000 | $81,000 | $179,000 | $46,000 | $110,000 |
| Application Approved But Not Accepted | 4 | $651,000 | $162,000 | $320,000 | $63,000 | $114,000 |
| File Closed For Incompleteness | 3 | $201,000 | $67,000 | $80,000 | $56,000 | $86,000 |
| 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 | 4 | $276,000 | $69,000 | $130,000 | $59,000 | $84,000 |
| Collateral | 3 | $470,000 | $156,000 | $219,000 | $86,000 | $107,000 |
| Debt-To-Income Ratio | 2 | $164,000 | $82,000 | $95,000 | $57,000 | $87,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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