Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, Citizens Bank & Trust Company of St. Paul, NE reported 78 mortgage applications totaling $17.6 million, up 73% from 2015. The average application was for $225,782, and applicants reported an average income of $138,525. 77% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Grand Island, NE (36), Lincoln, NE (5) and Omaha-Council Bluffs, NE-IA (1) (applications in parentheses).
| 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 | 78 |
| Total Mortgage Loan Application Amount | $17,611,000 |
| Average Mortgage Loan Application Amount | $225,782 |
| Highest Mortgage Loan Application Amount | $6,616,000 |
| Average Applicant Income | $138,525 |
| Highest Applicant Income | $1,089,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 23 | $ 1,450,000 | $ 63,043 | $ 76,000 |
| Howard, Nebraska | 21 | $ 4,122,000 | $ 196,285 | $ 177,000 |
| Merrick, Nebraska | 11 | $ 936,000 | $ 85,090 | $ 106,000 |
| Lancaster, Nebraska | 5 | $ 453,000 | $ 90,600 | $ 222,000 |
| Hall, Nebraska | 4 | $ 394,000 | $ 98,500 | $ 59,000 |
| Greeley, Nebraska | 3 | $ 426,000 | $ 142,000 | $ 121,000 |
| Nance, Nebraska | 3 | $ 1,561,000 | $ 520,333 | $ 372,000 |
| Valley, Nebraska | 3 | $ 336,000 | $ 112,000 | $ 53,000 |
| Buffalo, Nebraska | 2 | $ 470,000 | $ 235,000 | $ 249,000 |
| Custer, Nebraska | 1 | $ 6,616,000 | $ 6,616,000 | $ 0 |
| Dawson, Nebraska | 1 | $ 755,000 | $ 755,000 | $ 634,000 |
| Saunders, Nebraska | 1 | $ 92,000 | $ 92,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2016
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 | 37 | $14,257,000 | $385,000 | $6,616,000 | $188,000 | $1,089,000 |
| Home Purchase | 36 | $2,988,000 | $83,000 | $520,000 | $99,000 | $464,000 |
| Home Improvement | 5 | $366,000 | $73,000 | $285,000 | $57,000 | $140,000 |
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 | 71 | $10,401,000 | $146,000 | $1,293,000 | $150,000 | $1,089,000 |
| Not applicable | 3 | $6,733,000 | $2,244,000 | $6,616,000 | $0 | $0 |
| Hispanic | 3 | $307,000 | $102,000 | $170,000 | $30,000 | $47,000 |
| Not Provided | 1 | $170,000 | $170,000 | $170,000 | $42,000 | $42,000 |
| Native Hawaiin 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) | 78 | $17,611,000 | $225,000 | $6,616,000 | $138,000 | $1,089,000 |
| 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 | 60 | $15,959,000 | $265,000 | $6,616,000 | $161,000 | $1,089,000 |
| Application Denied By Financial Institution | 9 | $844,000 | $93,000 | $230,000 | $51,000 | $196,000 |
| Application Approved But Not Accepted | 6 | $578,000 | $96,000 | $285,000 | $78,000 | $140,000 |
| Application Withdrawn By Applicant | 3 | $230,000 | $76,000 | $176,000 | $71,000 | $93,000 |
| 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 | 4 | $391,000 | $97,000 | $230,000 | $91,000 | $196,000 |
| Credit History | 2 | $93,000 | $46,000 | $52,000 | $26,000 | $32,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $170,000 | $170,000 | $170,000 | $1,000 | $1,000 |
| Other | 1 | $170,000 | $170,000 | $170,000 | $42,000 | $42,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Company's 2016 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.
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with aggregated HMDA statistics today.
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