Webster County, NE Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 57 mortgage applications in Webster County, NE totaling $5.1 million, down 11% from 2011. The average application was for $88,000, and applicants reported an average income of $59,000. 40% of applications resulted in an originated loan and 28% were denied. The most active lender was Wells Fargo Bank NA, with 20 applications, followed by US Bank, N.A. and Hastings State 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 | 57 |
| Total Mortgage Loan Application Amount | $5,058,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $720,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $230,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 20 | $ 1,450,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 4 | $ 368,000 |
| Hastings State Bank 530 NORTH BURLINGTON HASTINGS, NE 68901 |
* | $ 137,434,000 | 3 | $ 154,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 3 | $ 105,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 693,969,000 | 3 | $ 332,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 132,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,481,611,000 | 2 | $ 116,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 2 | $ 166,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 39,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 160,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 85,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 70,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 166,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ 146,326,000 | 1 | $ 45,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 39,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 846,417,000 | 1 | $ 720,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 1 | $ 173,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 168,220,000 | 1 | $ 55,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 1 | $ 15,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 11,000 |
| Farmers and Merchants Bank 617 1ST STREET, BOX E MILFORD, NE 68405 |
* | $ 480,823,000 | 1 | $ 87,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 317,191,000 | 1 | $ 240,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 798,484,000 | 1 | $ 66,000 |
The tables below break down 2012 mortgage applications in Webster 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 Webster County, NE in 2012
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 | 36 | $3,577,000 | $99,000 | $720,000 | $64,000 | $230,000 |
| Home Purchase | 13 | $926,000 | $71,000 | $184,000 | $48,000 | $95,000 |
| Home Improvement | 8 | $555,000 | $69,000 | $276,000 | $51,000 | $106,000 |
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 | 49 | $4,541,000 | $92,000 | $720,000 | $64,000 | $230,000 |
| Not Provided | 4 | $193,000 | $48,000 | $92,000 | $38,000 | $71,000 |
| Not applicable | 3 | $239,000 | $79,000 | $104,000 | $9,000 | $28,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $44,000 | $44,000 |
| 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 Hawaiian 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) | 37 | $2,829,000 | $76,000 | $240,000 | $69,000 | $230,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,006,000 | $91,000 | $276,000 | $36,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,065,000 | $177,000 | $720,000 | $44,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 3 | $158,000 | $52,000 | $70,000 | $44,000 | $71,000 |
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 | 23 | $2,068,000 | $89,000 | $240,000 | $83,000 | $230,000 |
| Application Denied By Financial Institution | 16 | $1,616,000 | $101,000 | $720,000 | $54,000 | $88,000 |
| Application Withdrawn By Applicant | 10 | $841,000 | $84,000 | $276,000 | $36,000 | $55,000 |
| Loan Purchased By The Institution | 6 | $343,000 | $57,000 | $96,000 | $27,000 | $40,000 |
| File Closed For Incompleteness | 2 | $190,000 | $95,000 | $160,000 | $29,000 | $58,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3 | $285,000 | $95,000 | $218,000 | $57,000 | $78,000 |
| Credit History | 3 | $57,000 | $19,000 | $29,000 | $30,000 | $58,000 |
| Debt-To-Income Ratio | 2 | $771,000 | $385,000 | $720,000 | $67,000 | $73,000 |
| Other | 2 | $193,000 | $96,000 | $138,000 | $67,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $99,000 | $99,000 | $99,000 | $88,000 | $88,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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