Cattle Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Cattle Bank & Trust of Seward, NE reported 133 mortgage applications totaling $34.7 million, up 51% from 2024. The average application was for $261,015, and applicants reported an average income of $135,413. 94% of its applications resulted in an originated loan and 4% were denied. Its largest market was Lincoln, NE (110).
| Mortgage Company & Address | Cattle Bank & Trust 104 South 5th Street Seward, NE 68434 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 133 |
| Total Mortgage Loan Application Amount | $34,715,000 |
| Average Mortgage Loan Application Amount | $261,015 |
| Highest Mortgage Loan Application Amount | $1,275,000 |
| Average Applicant Income | $135,413 |
| Highest Applicant Income | $879,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cattle Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lancaster, Nebraska | 88 | $ 21,450,000 | $ 243,750 | $ 107,000 |
| Seward, Nebraska | 22 | $ 6,290,000 | $ 285,909 | $ 188,000 |
Mortgage Loan Application Detail Totals for Cattle Bank & Trust in 2025
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 | 75 | $21,305,000 | $284,000 | $1,275,000 | $155,000 | $879,000 |
| Refinancing | 43 | $10,715,000 | $249,000 | $805,000 | $107,000 | $169,000 |
| Other Purpose | 14 | $2,640,000 | $188,000 | $915,000 | $119,000 | $261,000 |
| Home Improvement | 1 | $55,000 | $55,000 | $55,000 | $118,000 | $118,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 89 | $23,175,000 | $260,000 | $1,275,000 | $0 | $0 |
| White | 40 | $10,740,000 | $268,000 | $1,025,000 | $141,000 | $879,000 |
| Asian | 3 | $625,000 | $208,000 | $415,000 | $107,000 | $166,000 |
| Black or African American | 1 | $175,000 | $175,000 | $175,000 | $126,000 | $126,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 133 | $34,715,000 | $261,000 | $1,275,000 | $138,000 | $879,000 |
| 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 | 125 | $32,435,000 | $259,000 | $1,275,000 | $146,000 | $879,000 |
| Application Denied By Financial Institution | 5 | $1,865,000 | $373,000 | $805,000 | $69,000 | $113,000 |
| Application Withdrawn By Applicant | 3 | $415,000 | $138,000 | $205,000 | $139,000 | $261,000 |
| 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 | 133 | $34,715,000 | $261,000 | $1,275,000 | $138,000 | $879,000 |
| 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 Cattle Bank & Trust's 2025 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 Cattle Bank & Trust'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.
For a list of all lenders in Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.
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