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Key Questions:

    1. How at risk is Nebraska to the subprime mortgage crisis?
    1. Loans taken out by home owners in Nebraska are within a +/- 10 percent band of the national average. That is to say, Nebraska will likely be affected by the subprime mortgage crisis just like the average county in the US.
    2. How stretched will home owners in Nebraska be in paying off their mortgage?
    1. Homeowners in Nebraska borrowed an average of 1.33 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, a significantly lower risk that Nebraska homeowners will default on their mortgage payments in the coming years.
    3. Who are the leading lenders in Nebraska?
    1. The leading lenders, by market share, are Wells Fargo Bank, Na, First National Bank Of Omaha and Countrywide Home Loans. Do you have the best rate possible? Get quotes from mortgage lenders.
    4. How likely are the owners of homes in Nebraska to actually live in them?
    1. 93.0% of home owners in Nebraska that applied for a mortgage in 2006 live in their homes versus owning them as an investment property. This compares to the national average of 89.0%.
2006 Mortgage Research Nebraska US
Total Applications 128,400 33,304,682
Average Loan $99.9k $184.9k
Loan to Income Ratio 1.33 1.83
Subprime Loans 11.41% 11.98%
Refinancing Loans 48.55% 50.05%
Principal Dwellings 93.00% 88.97%
Rejected Applications 10.12% 12.36%
Top Ten Lenders
# Name Share Apps
1 Wells Fargo Bank, Na 9.63% 12,369
2 First National Bank Of Omaha 4.71% 6,042
3 Countrywide Home Loans 4.29% 5,512
4 Us Bank, N.A. 3.89% 4,990
5 Tierone Bank 3.44% 4,418
6 Beneficial Company Llc 3.21% 4,125
7 Citimortgage, Inc 2.68% 3,438
8 Wells Fargo Fin'L Nebraska,Inc 2.19% 2,817
9 Union Bank And Trust Company 2.17% 2,785
10 Bank Of The West 2.04% 2,620