Bank of Doniphan Mortgage Lending & HMDA Data, 2019
In 2019, Bank of Doniphan of D, NE reported 54 mortgage applications totaling $5.0 million, down 32% from 2018. The average application was for $92,407, and applicants reported an average income of $83,962. 65% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Grand Island, NE (11) and Phoenix-Mesa-Scottsdale, AZ (1).
| Mortgage Company & Address | Bank of Doniphan 118 Plum Street D, NE 68832 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 54 |
| Total Mortgage Loan Application Amount | $4,990,000 |
| Average Mortgage Loan Application Amount | $92,407 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $83,962 |
| Highest Applicant Income | $283,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of Doniphan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Bank of Doniphan in 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 19 | $2,365,000 | $124,000 | $465,000 | $98,000 | $178,000 |
| Refinancing | 19 | $1,995,000 | $105,000 | $475,000 | $70,000 | $179,000 |
| Home Improvement | 10 | $450,000 | $45,000 | $155,000 | $70,000 | $131,000 |
| Other Purpose | 6 | $180,000 | $30,000 | $55,000 | $107,000 | $283,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 46 | $4,530,000 | $98,000 | $475,000 | $87,000 | $283,000 |
| Not applicable | 4 | $170,000 | $42,000 | $65,000 | $0 | $0 |
| Hispanic | 3 | $195,000 | $65,000 | $155,000 | $33,000 | $42,000 |
| Not Provided | 1 | $95,000 | $95,000 | $95,000 | $67,000 | $67,000 |
| 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) | 54 | $4,990,000 | $92,000 | $475,000 | $84,000 | $283,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 35 | $3,145,000 | $89,000 | $475,000 | $92,000 | $179,000 |
| Application Denied By Financial Institution | 10 | $550,000 | $55,000 | $185,000 | $39,000 | $95,000 |
| Application Withdrawn By Applicant | 9 | $1,295,000 | $143,000 | $465,000 | $106,000 | $283,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 54 | $4,990,000 | $92,000 | $475,000 | $84,000 | $283,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Doniphan's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bank of Doniphan's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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