Centris Federal Credit Union Mortgage Lending & HMDA Data, 2005
In 2005, Centris Federal Credit Union of Omaha, NE reported 824 mortgage applications totaling $37.2 million, up 15% from 2004. The average application was for $45,137, and applicants reported an average income of $62,668. 93% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (617) and Lincoln, NE (1).
| Mortgage Company & Address | Centris Federal Credit Union 11825 Q Street Omaha, NE 68144 Tel #: available with data download |
| Federal Regulator | * available with data download |
| 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 | 824 |
| Total Mortgage Loan Application Amount | $37,193,000 |
| Average Mortgage Loan Application Amount | $45,137 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $62,668 |
| Highest Applicant Income | $306,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Centris Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Omaha-Council Bluffs, NE-IA | 617 | $ 30,967,000 | $ 50,189 | $ 64,000 |
| Lincoln, NE | 1 | $ 118,000 | $ 118,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for Centris Federal Credit Union in 2005
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 Improvement | 576 | $9,865,000 | $15,666 | $121,000 | $63,000 | $306,000 |
| Refinancing | 188 | $19,941,000 | $82,666 | $360,000 | $80,333 | $300,000 |
| Home Purchase | 60 | $7,387,000 | $119,500 | $351,000 | $65,500 | $203,000 |
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 | 573 | $31,891,000 | $41,666 | $360,000 | $75,666 | $306,000 |
| Not Provided | 181 | $3,049,000 | $17,333 | $121,000 | $57,666 | $200,000 |
| Black or African American | 41 | $1,411,000 | $17,333 | $221,000 | $45,000 | $195,000 |
| Hispanic | 19 | $443,000 | $22,333 | $97,000 | $49,333 | $177,000 |
| Asian | 6 | $295,000 | $49,000 | $132,000 | $45,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $104,000 | $30,500 | $40,000 | $60,500 | $96,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 823 | $37,082,000 | $35,333 | $360,000 | $64,666 | $306,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $111,000 | $111,000 | $111,000 | $43,000 | $43,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 770 | $33,496,000 | $33,666 | $351,000 | $67,333 | $306,000 |
| Application Withdrawn By Applicant | 29 | $2,101,000 | $52,666 | $144,000 | $76,333 | $128,000 |
| Application Denied By Financial Institution | 24 | $1,581,000 | $51,333 | $360,000 | $53,333 | $150,000 |
| File Closed For Incompleteness | 1 | $15,000 | $15,000 | $15,000 | $47,000 | $47,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $445,000 | $49,500 | $122,000 | $79,500 | $150,000 |
| Debt-To-Income Ratio | 5 | $235,000 | $30,000 | $124,000 | $22,000 | $40,000 |
| Other | 5 | $690,000 | $109,000 | $360,000 | $58,000 | $87,000 |
| Collateral | 3 | $138,000 | $66,500 | $128,000 | $29,000 | $31,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Centris Federal Credit Union's 2005 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 Centris Federal Credit Union'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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