Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Citizens Bank & Trust Company of St. Paul, NE reported 50 mortgage applications totaling $5.4 million, down 28% from 2018. The average application was for $107,600, and applicants reported an average income of $95,000. 84% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lincoln, NE (13) and Grand Island, NE (8).
| Mortgage Company & Address | Citizens Bank & Trust Company Po Box 385, 7217th Street St. Paul, NE 68873 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 50 |
| Total Mortgage Loan Application Amount | $5,380,000 |
| Average Mortgage Loan Application Amount | $107,600 |
| Highest Mortgage Loan Application Amount | $525,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $313,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Sherman, Nebraska | 14 | $ 1,210,000 | $ 86,428 | $ 72,000 |
| Lancaster, Nebraska | 12 | $ 1,580,000 | $ 131,666 | $ 147,000 |
| Custer, Nebraska | 7 | $ 1,435,000 | $ 205,000 | $ 20,000 |
| Howard, Nebraska | 5 | $ 225,000 | $ 45,000 | $ 72,000 |
| Buffalo, Nebraska | 4 | $ 290,000 | $ 72,500 | $ 89,000 |
| Merrick, Nebraska | 2 | $ 60,000 | $ 30,000 | $ 118,000 |
| Valley, Nebraska | 2 | $ 50,000 | $ 25,000 | $ 23,000 |
| Garfield, Nebraska | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Hall, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Hamilton, Nebraska | 1 | $ 15,000 | $ 15,000 | $ 13,000 |
| Seward, Nebraska | 1 | $ 335,000 | $ 335,000 | $ 313,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company 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 |
|---|---|---|---|---|---|---|
| Refinancing | 27 | $3,285,000 | $121,000 | $525,000 | $91,000 | $278,000 |
| Home Purchase | 18 | $1,980,000 | $110,000 | $335,000 | $104,000 | $313,000 |
| Home Improvement | 3 | $35,000 | $11,000 | $25,000 | $77,000 | $107,000 |
| Other Purpose | 2 | $80,000 | $40,000 | $55,000 | $95,000 | $119,000 |
| 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 | 45 | $4,535,000 | $100,000 | $525,000 | $95,000 | $313,000 |
| Not applicable | 5 | $845,000 | $169,000 | $335,000 | $0 | $0 |
| Not Provided | 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 |
| 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) | 50 | $5,380,000 | $107,000 | $525,000 | $95,000 | $313,000 |
| 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 | 42 | $4,370,000 | $104,000 | $335,000 | $100,000 | $313,000 |
| Application Denied By Financial Institution | 4 | $690,000 | $172,000 | $525,000 | $45,000 | $68,000 |
| Application Approved But Not Accepted | 3 | $315,000 | $105,000 | $205,000 | $66,000 | $94,000 |
| Application Withdrawn By Applicant | 1 | $5,000 | $5,000 | $5,000 | $107,000 | $107,000 |
| File Closed For Incompleteness | 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 | 50 | $5,380,000 | $107,000 | $525,000 | $95,000 | $313,000 |
| 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 Citizens Bank & Trust Company'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 Citizens Bank & Trust Company'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About