Thomas County, NE Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 15 mortgage applications in Thomas County, NE totaling $1.6 million, up 275% from 2015. The average application was for $103,000, and applicants reported an average income of $55,000. 67% of applications resulted in an originated loan and 20% were denied. The most active lender was Security First Bank, with 7 applications, followed by First National Bank of Omaha and Bankwest, 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 | 15 |
| Total Mortgage Loan Application Amount | $1,555,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $356,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $126,000 |
Top Mortgage Lenders in Thomas County, NE (2016)
Ranked by the number of mortgage applications each lender reported in Thomas County, NE in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Security First Bank Lincoln, NE |
7 | $493,000 | $70,000 | $47,000 |
| 2 | First National Bank of Omaha Omaha, NE |
2 | $277,000 | $138,000 | $50,000 |
| 3 | Bankwest, Inc. Pierre, SD |
2 | $106,000 | $53,000 | $50,000 |
| 4 | New Day Financial, Llc. West Palm Beach, FL |
1 | $52,000 | $52,000 | $55,000 |
| 5 | Union Bank and Trust Company Lincoln, NE |
1 | $356,000 | $356,000 | $126,000 |
| 6 | Wells Fargo Bank NA Minneapolis, MN |
1 | $30,000 | $30,000 | $0 |
The tables below break down 2016 mortgage applications in Thomas 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 Thomas County, NE in 2016
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 | 12 | $1,353,000 | $112,000 | $356,000 | $56,000 | $126,000 |
| Refinancing | 2 | $101,000 | $50,000 | $52,000 | $31,000 | $55,000 |
| Home Improvement | 1 | $101,000 | $101,000 | $101,000 | $92,000 | $92,000 |
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 | 13 | $1,284,000 | $98,000 | $356,000 | $54,000 | $126,000 |
| Not applicable | 1 | $30,000 | $30,000 | $30,000 | $0 | $0 |
| Not Provided | 1 | $241,000 | $241,000 | $241,000 | $113,000 | $113,000 |
| 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 |
| Native Hawaiin or Other Pacific Islander | 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) | 12 | $1,232,000 | $102,000 | $356,000 | $54,000 | $126,000 |
| VA-guaranteed (Veterans Administration) | 2 | $82,000 | $41,000 | $52,000 | $27,000 | $55,000 |
| FHA-insured (Federal Housing Administration) | 1 | $241,000 | $241,000 | $241,000 | $113,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 10 | $1,044,000 | $104,000 | $356,000 | $58,000 | $126,000 |
| Application Denied By Financial Institution | 3 | $429,000 | $143,000 | $241,000 | $62,000 | $113,000 |
| File Closed For Incompleteness | 1 | $52,000 | $52,000 | $52,000 | $55,000 | $55,000 |
| Loan Purchased By The Institution | 1 | $30,000 | $30,000 | $30,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 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 | 1 | $138,000 | $138,000 | $138,000 | $29,000 | $29,000 |
| Credit Application Incomplete | 1 | $241,000 | $241,000 | $241,000 | $113,000 | $113,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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