Valley County, NE Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 139 mortgage applications in Valley County, NE totaling $9.2 million, down 9% from 2005. The average application was for $65,000, and applicants reported an average income of $52,000. 50% of applications resulted in an originated loan and 19% were denied. The most active lender was Tierone Bank, with 43 applications, followed by US Bank, N.A. and Wells Fargo Bank, NA.
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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 | 139 |
| Total Mortgage Loan Application Amount | $9,155,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $237,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $281,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,218,381,000 | 43 | $ 1,870,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 208,867,410,000 | 9 | $ 427,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 8 | $ 502,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 7 | $ 351,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 5 | $ 330,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,900,290,000 | 4 | $ 284,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 55,157,645,000 | 4 | $ 166,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 1,303,581,000 | 3 | $ 314,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 3 | $ 89,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 295,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 16,981,282,000 | 3 | $ 228,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 3 | $ 390,000 |
| Wells Fargo Fin'l Nebraska,Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 80,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 358,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 2 | $ 94,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 371,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 2 | $ 216,000 |
| Hamilton Mortgage Company 2700 NORTH CENTRAL AVENUE, STE 1500 PHOENIX, AZ 85004 |
* | $ 10,000,000 | 2 | $ 98,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 123,000 |
| Cornhusker Bank P O BOX 80009 LINCOLN, NE 68501 |
* | $ 241,091,000 | 2 | $ 228,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 3,387,027,000 | 2 | $ 300,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 36,499,554,000 | 2 | $ 247,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 76,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 2,429,481,000 | 1 | $ 114,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 11,315,543,000 | 1 | $ 95,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 27,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 50,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 1 | $ 75,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,329,271,000 | 1 | $ 10,000 |
| Farm Bureau Bank 17300 HENDERSON PASS SUITE 100 SAN ANTONIO, TX 78232 |
* | $ 433,842,000 | 1 | $ 86,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 22,481,092,000 | 1 | $ 74,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 88,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 1 | $ 94,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 696,575,000 | 1 | $ 135,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 6,576,998,000 | 1 | $ 25,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 24,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 128,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 69,482,177,000 | 1 | $ 86,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 43,000 |
| Nexstar Financial Corporation 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 11,800,000,000 | 1 | $ 86,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 177,231,290,000 | 1 | $ 37,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 20,000 |
The tables below break down 2006 mortgage applications in Valley 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 Valley County, NE in 2006
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 | 87 | $6,268,000 | $72,000 | $237,000 | $55,000 | $281,000 |
| Home Purchase | 35 | $2,496,000 | $71,000 | $180,000 | $46,000 | $150,000 |
| Home Improvement | 17 | $391,000 | $23,000 | $196,000 | $49,000 | $97,000 |
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 | 108 | $7,212,000 | $66,000 | $237,000 | $56,000 | $281,000 |
| Not applicable | 13 | $974,000 | $74,000 | $157,000 | $25,000 | $173,000 |
| Not Provided | 13 | $731,000 | $56,000 | $175,000 | $52,000 | $92,000 |
| Hispanic | 2 | $55,000 | $27,000 | $44,000 | $36,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $68,000 | $34,000 | $34,000 | $19,000 | $20,000 |
| Asian | 1 | $115,000 | $115,000 | $115,000 | $48,000 | $48,000 |
| 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) | 136 | $9,056,000 | $66,000 | $237,000 | $52,000 | $281,000 |
| FHA-insured (Federal Housing Administration) | 3 | $99,000 | $33,000 | $35,000 | $37,000 | $59,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 69 | $4,310,000 | $62,000 | $237,000 | $62,000 | $281,000 |
| Application Denied By Financial Institution | 27 | $1,862,000 | $68,000 | $196,000 | $39,000 | $92,000 |
| Loan Purchased By The Institution | 18 | $1,628,000 | $90,000 | $237,000 | $40,000 | $173,000 |
| Application Withdrawn By Applicant | 16 | $952,000 | $59,000 | $128,000 | $45,000 | $83,000 |
| Application Approved But Not Accepted | 7 | $258,000 | $36,000 | $115,000 | $42,000 | $90,000 |
| File Closed For Incompleteness | 2 | $145,000 | $72,000 | $76,000 | $46,000 | $84,000 |
| 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 | $118,000 | $29,000 | $55,000 | $54,000 | $92,000 |
| Collateral | 4 | $428,000 | $107,000 | $162,000 | $24,000 | $36,000 |
| Other | 3 | $43,000 | $14,000 | $34,000 | $42,000 | $72,000 |
| Debt-To-Income Ratio | 1 | $112,000 | $112,000 | $112,000 | $54,000 | $54,000 |
| 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 |
| 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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