Wayne County, NE Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 182 mortgage applications in Wayne County, NE totaling $18.3 million, down 30% from 2009. The average application was for $100,000, and applicants reported an average income of $66,000. 57% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank, NA, with 49 applications, followed by Central National Bank and US Bank, N.A..
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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 | 182 |
| Total Mortgage Loan Application Amount | $18,347,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $512,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $334,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 49 | $ 4,971,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 833,054,000 | 18 | $ 1,556,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 16 | $ 1,804,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 8,806,851,000 | 12 | $ 1,281,000 |
| Security National Bank 202 E. 2ND STREET LAUREL, NE 68745 |
* | $ 135,675,000 | 11 | $ 697,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 7 | $ 895,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 5,332,471,000 | 6 | $ 662,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 6 | $ 595,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 4 | $ 394,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 503,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 484,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 4 | $ 521,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 4 | $ 153,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 2,538,702,000 | 3 | $ 266,000 |
| Iowa - Nebraska State Bank 2021 DAKOTA AVENUE SOUTH SIOUX CITY, NE 68776 |
* | $ 201,815,000 | 2 | $ 302,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 124,000 |
| Bank of Dixon County 117 E 3RD ST PONCA, NE 68770 |
* | $ 65,694,000 | 2 | $ 200,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 311,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 146,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 139,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 1,655,960,000 | 1 | $ 102,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 409,064,000 | 1 | $ 166,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 67,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 80,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 75,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 754,492,000 | 1 | $ 512,000 |
| First National Bank of Wahoo 201 E 5TH ST WAHOO, NE 68066 |
* | $ 114,336,000 | 1 | $ 63,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 658,937,000 | 1 | $ 25,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 20,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Sloan State Bank 302 4TH ST SLOAN, IA 50155 |
* | $ 43,665,000 | 1 | $ 29,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,574,801,000 | 1 | $ 5,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 93,195,000 | 1 | $ 88,000 |
| Pinnacle Bank Sioux City 1901 MORNINGSIDE AVENUE SIOUX CITY, IA 51106 |
* | $ 54,191,000 | 1 | $ 52,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 283,244,000 | 1 | $ 135,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 70,000 |
| Mutual of Omaha Bank 3333 FARNAM STREET OMAHA, NE 68131 |
* | $ 4,109,578,000 | 1 | $ 127,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 78,000 |
The tables below break down 2010 mortgage applications in Wayne 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 Wayne County, NE in 2010
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 | 118 | $12,730,000 | $107,000 | $512,000 | $73,000 | $334,000 |
| Home Purchase | 59 | $5,417,000 | $91,000 | $220,000 | $54,000 | $148,000 |
| Home Improvement | 5 | $200,000 | $40,000 | $134,000 | $59,000 | $107,000 |
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 | 168 | $17,042,000 | $101,000 | $512,000 | $68,000 | $334,000 |
| Not Provided | 10 | $1,059,000 | $105,000 | $173,000 | $61,000 | $115,000 |
| Not applicable | 3 | $198,000 | $66,000 | $76,000 | $0 | $0 |
| Hispanic | 1 | $48,000 | $48,000 | $48,000 | $36,000 | $36,000 |
| 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) | 125 | $12,233,000 | $97,000 | $252,000 | $70,000 | $334,000 |
| FHA-insured (Federal Housing Administration) | 41 | $4,317,000 | $105,000 | $216,000 | $63,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,313,000 | $109,000 | $512,000 | $48,000 | $234,000 |
| VA-guaranteed (Veterans Administration) | 4 | $484,000 | $121,000 | $182,000 | $37,000 | $54,000 |
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 | 104 | $10,166,000 | $97,000 | $231,000 | $69,000 | $334,000 |
| Loan Purchased By The Institution | 26 | $2,314,000 | $89,000 | $220,000 | $56,000 | $123,000 |
| Application Denied By Financial Institution | 25 | $3,070,000 | $122,000 | $512,000 | $61,000 | $234,000 |
| Application Withdrawn By Applicant | 15 | $1,467,000 | $97,000 | $213,000 | $63,000 | $108,000 |
| Application Approved But Not Accepted | 7 | $722,000 | $103,000 | $142,000 | $77,000 | $105,000 |
| File Closed For Incompleteness | 5 | $608,000 | $121,000 | $200,000 | $95,000 | $120,000 |
| 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 | 7 | $891,000 | $127,000 | $252,000 | $74,000 | $106,000 |
| Other | 6 | $915,000 | $152,000 | $512,000 | $99,000 | $234,000 |
| Debt-To-Income Ratio | 5 | $482,000 | $96,000 | $142,000 | $34,000 | $62,000 |
| Credit History | 2 | $295,000 | $147,000 | $195,000 | $44,000 | $60,000 |
| Credit Application Incomplete | 1 | $80,000 | $80,000 | $80,000 | $77,000 | $77,000 |
| Unverifiable Information | 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 |
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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