City Bank & Trust Co. Mortgage Lending & HMDA Data, 2012
In 2012, City Bank & Trust Co. of Crete, NE reported 71 mortgage applications totaling $10.4 million, up 39% from 2011. The average application was for $146,901, and applicants reported an average income of $41,366. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Lincoln, NE (48), Phoenix-Mesa-Glendale, AZ (5) and Fayetteville-Springdale-Rogers, AR-MO (2) (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 | 71 |
| Total Mortgage Loan Application Amount | $10,430,000 |
| Average Mortgage Loan Application Amount | $146,901 |
| Highest Mortgage Loan Application Amount | $949,000 |
| Average Applicant Income | $41,366 |
| Highest Applicant Income | $225,000 |
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(HMDA) records City Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 47 | $ 7,811,000 | $ 166,191 | $ 30,000 |
| Saline, Nebraska | 9 | $ 591,000 | $ 65,666 | $ 56,000 |
| Maricopa, Arizona | 5 | $ 912,000 | $ 182,400 | $ 0 |
| Benton, Arkansas | 2 | $ 140,000 | $ 70,000 | $ 194,000 |
| Larimer, Colorado | 1 | $ 110,000 | $ 110,000 | $ 32,000 |
| Cass, Nebraska | 1 | $ 110,000 | $ 110,000 | $ 225,000 |
| Gage, Nebraska | 1 | $ 69,000 | $ 69,000 | $ 33,000 |
| Johnson, Nebraska | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Otoe, Nebraska | 1 | $ 197,000 | $ 197,000 | $ 78,000 |
| Saunders, Nebraska | 1 | $ 229,000 | $ 229,000 | $ 67,000 |
| Seward, Nebraska | 1 | $ 98,000 | $ 98,000 | $ 165,000 |
| Travis, Texas | 1 | $ 78,000 | $ 78,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for City Bank & Trust Co. in 2012
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 | 42 | $6,230,000 | $148,000 | $949,000 | $30,000 | $165,000 |
| Home Purchase | 22 | $3,169,000 | $144,000 | $366,000 | $46,000 | $225,000 |
| Home Improvement | 7 | $1,031,000 | $147,000 | $750,000 | $95,000 | $194,000 |
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 | 36 | $3,944,000 | $109,000 | $310,000 | $76,000 | $225,000 |
| Not applicable | 32 | $5,832,000 | $182,000 | $949,000 | $0 | $0 |
| Asian | 2 | $481,000 | $240,000 | $366,000 | $87,000 | $106,000 |
| Not Provided | 1 | $173,000 | $173,000 | $173,000 | $73,000 | $73,000 |
| American Indian or Alaskan Native | 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) | 69 | $10,028,000 | $145,000 | $949,000 | $41,000 | $225,000 |
| FHA-insured (Federal Housing Administration) | 2 | $402,000 | $201,000 | $229,000 | $70,000 | $73,000 |
| 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 | 62 | $9,082,000 | $146,000 | $949,000 | $39,000 | $225,000 |
| Application Withdrawn By Applicant | 7 | $913,000 | $130,000 | $229,000 | $54,000 | $78,000 |
| Application Denied By Financial Institution | 2 | $435,000 | $217,000 | $262,000 | $75,000 | $77,000 |
| 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 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2012 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.
For a list of all lenders in Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.
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