City Bank & Trust Co. Mortgage Lending & HMDA Data, 2005
In 2005, City Bank & Trust Co. of Crete, NE reported 70 mortgage applications totaling $10.6 million, down 27% from 2004. The average application was for $150,900, and applicants reported an average income of $51,757. 84% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Lincoln, NE (43), Phoenix-Mesa-Scottsdale, AZ (4) and Omaha-Council Bluffs, NE-IA (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 | 70 |
| Total Mortgage Loan Application Amount | $10,563,000 |
| Average Mortgage Loan Application Amount | $150,900 |
| Highest Mortgage Loan Application Amount | $2,430,000 |
| Average Applicant Income | $51,757 |
| Highest Applicant Income | $303,000 |
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(HMDA) records City Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lincoln, NE | 43 | $ 8,783,000 | $ 204,255 | $ 50,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 708,000 | $ 177,000 | $ 5,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 257,000 | $ 128,500 | $ 42,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 121,000 | $ 121,000 | $ 0 |
Mortgage Loan Application Detail Totals for City Bank & Trust Co. in 2005
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 36 | $7,250,000 | $190,500 | $2,430,000 | $34,000 | $303,000 |
| Refinancing | 22 | $3,026,000 | $129,500 | $498,000 | $27,500 | $233,000 |
| Home Improvement | 12 | $287,000 | $23,000 | $50,000 | $36,000 | $228,000 |
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 | 49 | $6,085,000 | $138,000 | $600,000 | $25,666 | $303,000 |
| Not applicable | 14 | $4,241,000 | $251,500 | $2,430,000 | $5,500 | $11,000 |
| Hispanic | 6 | $202,000 | $33,000 | $91,000 | $33,000 | $54,000 |
| Asian | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 70 | $10,563,000 | $149,000 | $2,430,000 | $19,333 | $303,000 |
| 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 | 59 | $9,884,000 | $155,000 | $2,430,000 | $16,000 | $233,000 |
| Application Approved But Not Accepted | 5 | $365,000 | $73,000 | $124,000 | $125,000 | $303,000 |
| Application Denied By Financial Institution | 5 | $246,000 | $49,000 | $121,000 | $43,000 | $54,000 |
| Application Withdrawn By Applicant | 1 | $68,000 | $68,000 | $68,000 | $34,000 | $34,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2005 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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