City Bank & Trust Co. Mortgage Lending & HMDA Data, 2003
In 2003, City Bank & Trust Co. of Crete, NE reported 96 mortgage applications totaling $10.3 million. The average application was for $107,500, and applicants reported an average income of $36,010. 93% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Lincoln, NE (48), Omaha, NE-IA (2) and Detroit, MI (1) (applications in parentheses).
| Mortgage Company & Address | City Bank & Trust Co. 1135 Main Ave. Crete, NE 68333 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 96 |
| Total Mortgage Loan Application Amount | $10,320,000 |
| Average Mortgage Loan Application Amount | $107,500 |
| Highest Mortgage Loan Application Amount | $738,000 |
| Average Applicant Income | $36,010 |
| Highest Applicant Income | $1,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records City Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 48 | $ 7,087,000 | $ 147,645 | $ 24,000 |
| Douglas, Nebraska | 2 | $ 233,000 | $ 116,500 | $ 9,000 |
| Oakland, Michigan | 1 | $ 197,000 | $ 197,000 | $ 1,500,000 |
Mortgage Loan Application Detail Totals for City Bank & Trust Co. in 2003
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 (home purchase or home improvement, one-to-four family) | 42 | $5,350,000 | $150,000 | $738,000 | $513,000 | $1,500,000 |
| Home Purchase (one-to-four family) | 38 | $3,299,000 | $84,000 | $440,000 | $25,000 | $156,000 |
| Home Improvement (one-to-four family) | 9 | $160,000 | $16,500 | $40,000 | $46,500 | $72,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 7 | $1,511,000 | $215,000 | $305,000 | $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 | 65 | $6,274,000 | $128,666 | $490,000 | $520,000 | $1,500,000 |
| Not applicable | 20 | $3,799,000 | $170,500 | $738,000 | $0 | $0 |
| Hispanic | 10 | $222,000 | $22,000 | $45,000 | $32,000 | $60,000 |
| Information not provided by applicant in mail or telephone application | 1 | $25,000 | $25,000 | $25,000 | $15,000 | $15,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 96 | $10,320,000 | $135,000 | $738,000 | $515,000 | $1,500,000 |
| 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 | 89 | $10,127,000 | $137,000 | $738,000 | $514,666 | $1,500,000 |
| Application Withdrawn By Applicant | 4 | $158,000 | $39,000 | $45,000 | $27,000 | $43,000 |
| Application Denied By Financial Institution | 3 | $35,000 | $11,000 | $25,000 | $21,000 | $26,000 |
| Application Approved But Not Accepted | 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 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 City Bank & Trust Co.'s 2003 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 City Bank & Trust Co.'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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