Thayer County, NE Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 61 mortgage applications in Thayer County, NE totaling $8.9 million, down 16% from 2014. The average application was for $145,000, and applicants reported an average income of $74,000. 61% of applications resulted in an originated loan and 20% were denied. The most active lender was West Gate Bank, with 11 applications, followed by Wells Fargo Bank NA and Cornerstone 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 | 61 |
| Total Mortgage Loan Application Amount | $8,905,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $480,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 397,763,000 | 11 | $ 1,060,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 8 | $ 594,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,394,500,000 | 7 | $ 1,098,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,040,462,000 | 4 | $ 278,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 4 | $ 306,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 107,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Mainstreet Bank PO BOX 7 COOK, NE 68329 |
* | $ 91,817,000 | 1 | $ 57,000 |
| Dundee Mortgage LLC 5015 UNDERWOOD AVENUE OMAHA, NE 68132 |
* | $ 112,198,000 | 1 | $ 60,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 891,075,000 | 1 | $ 15,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 562,548,000 | 1 | $ 3,000,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 587,275,000 | 1 | $ 30,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 450,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 17,377,985,000 | 1 | $ 71,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 50,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 1 | $ 175,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 23,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 72,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 890,389,000 | 1 | $ 100,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 210,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 235,503,000 | 1 | $ 64,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 195,000 |
The tables below break down 2015 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 2015
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 | 30 | $2,529,000 | $84,000 | $186,000 | $51,000 | $114,000 |
| Refinancing | 18 | $5,627,000 | $312,000 | $3,000,000 | $120,000 | $480,000 |
| Home Improvement | 13 | $749,000 | $57,000 | $175,000 | $62,000 | $177,000 |
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 | 54 | $8,517,000 | $157,000 | $3,000,000 | $79,000 | $480,000 |
| Not applicable | 5 | $252,000 | $50,000 | $74,000 | $20,000 | $102,000 |
| Not Provided | 1 | $64,000 | $64,000 | $64,000 | $63,000 | $63,000 |
| Black or African American | 1 | $72,000 | $72,000 | $72,000 | $102,000 | $102,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 40 | $7,238,000 | $180,000 | $3,000,000 | $85,000 | $480,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,173,000 | $90,000 | $210,000 | $64,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $444,000 | $63,000 | $74,000 | $32,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 1 | $50,000 | $50,000 | $50,000 | $33,000 | $33,000 |
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 | $6,746,000 | $182,000 | $3,000,000 | $78,000 | $480,000 |
| Application Denied By Financial Institution | 12 | $1,195,000 | $99,000 | $450,000 | $85,000 | $323,000 |
| Loan Purchased By The Institution | 6 | $429,000 | $71,000 | $177,000 | $34,000 | $104,000 |
| Application Withdrawn By Applicant | 3 | $288,000 | $96,000 | $157,000 | $63,000 | $149,000 |
| File Closed For Incompleteness | 2 | $238,000 | $119,000 | $195,000 | $79,000 | $129,000 |
| Application Approved But Not Accepted | 1 | $9,000 | $9,000 | $9,000 | $35,000 | $35,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $97,000 | $48,000 | $60,000 | $34,000 | $62,000 |
| Collateral | 2 | $538,000 | $269,000 | $450,000 | $218,000 | $323,000 |
| Credit Application Incomplete | 1 | $90,000 | $90,000 | $90,000 | $111,000 | $111,000 |
| Unverifiable Information | 1 | $64,000 | $64,000 | $64,000 | $190,000 | $190,000 |
| Employment History | 1 | $100,000 | $100,000 | $100,000 | $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 |
| Credit 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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