Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, Citizens Bank & Trust Company of St. Paul, NE reported 80 mortgage applications totaling $18.5 million, up 3% from 2016. The average application was for $231,837, and applicants reported an average income of $198,000. 81% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Grand Island, NE (29) and Lincoln, NE (12).
| 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 | 80 |
| Total Mortgage Loan Application Amount | $18,547,000 |
| Average Mortgage Loan Application Amount | $231,837 |
| Highest Mortgage Loan Application Amount | $3,170,000 |
| Average Applicant Income | $198,000 |
| Highest Applicant Income | $1,336,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Grand Island, NE | 29 | $ 6,159,000 | $ 212,379 | $ 208,000 |
| Lincoln, NE | 12 | $ 2,452,000 | $ 204,333 | $ 127,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2017
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 | 50 | $14,439,000 | $288,000 | $3,170,000 | $252,000 | $1,336,000 |
| Home Purchase | 25 | $3,759,000 | $150,000 | $424,000 | $99,000 | $345,000 |
| Home Improvement | 5 | $349,000 | $69,000 | $144,000 | $153,000 | $354,000 |
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 | 63 | $15,241,000 | $241,000 | $3,170,000 | $240,000 | $1,336,000 |
| Not applicable | 10 | $2,351,000 | $235,000 | $985,000 | $22,000 | $144,000 |
| Not Provided | 5 | $839,000 | $167,000 | $261,000 | $59,000 | $103,000 |
| Hispanic | 1 | $76,000 | $76,000 | $76,000 | $135,000 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $40,000 | $40,000 | $40,000 | $48,000 | $48,000 |
| 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) | 80 | $18,547,000 | $231,000 | $3,170,000 | $198,000 | $1,336,000 |
| 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 | 65 | $16,168,000 | $248,000 | $3,170,000 | $222,000 | $1,336,000 |
| Application Denied By Financial Institution | 9 | $1,466,000 | $162,000 | $261,000 | $57,000 | $103,000 |
| Application Approved But Not Accepted | 6 | $913,000 | $152,000 | $400,000 | $146,000 | $240,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 7 | $1,356,000 | $193,000 | $261,000 | $65,000 | $103,000 |
| Credit History | 2 | $110,000 | $55,000 | $70,000 | $30,000 | $60,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Company's 2017 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.
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