Valley County, NE Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 78 mortgage applications in Valley County, NE totaling $9.6 million, down 28% from 2016. The average application was for $123,000, and applicants reported an average income of $63,000. 60% of applications resulted in an originated loan and 23% were denied. The most active lender was Great Western Bank, with 10 applications, followed by US Bank, N.A. and West Gate 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 | 78 |
| Total Mortgage Loan Application Amount | $9,638,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $232,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,418,149,000 | 10 | $ 1,471,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 7 | $ 637,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 489,376,000 | 7 | $ 623,000 |
| Citizens Bank & Trust Company PO BOX 385, 7217TH STREET ST. PAUL, NE 68873 |
* | $ 180,229,000 | 6 | $ 1,293,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 1,490,790,000 | 4 | $ 446,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,938,350,000 | 3 | $ 355,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 2 | $ 187,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 472,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 172,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 2 | $ 152,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ 280,899,000 | 2 | $ 196,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 2 | $ 540,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 252,204,000 | 2 | $ 36,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 300,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 83,730,044,000 | 1 | $ 72,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 119,269,000 | 1 | $ 65,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 3,128,362,000 | 1 | $ 105,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 202,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 983,012,000 | 1 | $ 81,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,595,637,000 | 1 | $ 60,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 108,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 184,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 128,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 50,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 1 | $ 124,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 969,397,000 | 1 | $ 100,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 3,311,062,000 | 1 | $ 7,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 832,884,000 | 1 | $ 150,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 45,000 |
The tables below break down 2017 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 39 | $5,974,000 | $153,000 | $625,000 | $73,000 | $232,000 |
| Home Purchase | 36 | $3,621,000 | $100,000 | $300,000 | $52,000 | $139,000 |
| Home Improvement | 3 | $43,000 | $14,000 | $21,000 | $63,000 | $116,000 |
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 | $5,909,000 | $109,000 | $625,000 | $68,000 | $198,000 |
| Not Provided | 13 | $2,272,000 | $174,000 | $320,000 | $72,000 | $232,000 |
| Not applicable | 10 | $1,350,000 | $135,000 | $386,000 | $22,000 | $144,000 |
| Hispanic | 1 | $107,000 | $107,000 | $107,000 | $55,000 | $55,000 |
| 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 |
| Black or African American | 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 | $7,661,000 | $132,000 | $625,000 | $66,000 | $232,000 |
| FHA-insured (Federal Housing Administration) | 7 | $730,000 | $104,000 | $202,000 | $55,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 7 | $768,000 | $109,000 | $184,000 | $79,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $479,000 | $79,000 | $146,000 | $25,000 | $65,000 |
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 | 47 | $6,332,000 | $134,000 | $625,000 | $68,000 | $232,000 |
| Application Denied By Financial Institution | 18 | $1,875,000 | $104,000 | $300,000 | $54,000 | $116,000 |
| Loan Purchased By The Institution | 5 | $435,000 | $87,000 | $146,000 | $8,000 | $43,000 |
| Application Withdrawn By Applicant | 4 | $318,000 | $79,000 | $128,000 | $60,000 | $88,000 |
| File Closed For Incompleteness | 3 | $338,000 | $112,000 | $202,000 | $118,000 | $180,000 |
| Application Approved But Not Accepted | 1 | $340,000 | $340,000 | $340,000 | $87,000 | $87,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $659,000 | $164,000 | $300,000 | $67,000 | $97,000 |
| Credit History | 3 | $323,000 | $107,000 | $150,000 | $38,000 | $61,000 |
| Debt-To-Income Ratio | 3 | $164,000 | $54,000 | $105,000 | $33,000 | $54,000 |
| Credit Application Incomplete | 2 | $204,000 | $102,000 | $110,000 | $64,000 | $73,000 |
| Other | 1 | $58,000 | $58,000 | $58,000 | $67,000 | $67,000 |
| Employment History | 1 | $7,000 | $7,000 | $7,000 | $116,000 | $116,000 |
| 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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