City Bank & Trust Co. Mortgage Lending & HMDA Data, 2016
In 2016, City Bank & Trust Co. of Crete, NE reported 33 mortgage applications totaling $7.9 million, down 45% from 2015. The average application was for $238,848, and applicants reported an average income of $81,393. 85% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lincoln, NE (23), Grand Island, NE (1) and Omaha-Council Bluffs, NE-IA (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 | 33 |
| Total Mortgage Loan Application Amount | $7,882,000 |
| Average Mortgage Loan Application Amount | $238,848 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $81,393 |
| Highest Applicant Income | $1,351,000 |
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(HMDA) records City Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for City Bank & Trust Co. 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 16 | $2,349,000 | $146,000 | $620,000 | $126,000 | $1,351,000 |
| Refinancing | 16 | $5,493,000 | $343,000 | $2,400,000 | $36,000 | $226,000 |
| Home Improvement | 1 | $40,000 | $40,000 | $40,000 | $94,000 | $94,000 |
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 | 18 | $2,881,000 | $160,000 | $620,000 | $148,000 | $1,351,000 |
| Not applicable | 14 | $4,987,000 | $356,000 | $2,400,000 | $0 | $0 |
| Hispanic | 1 | $14,000 | $14,000 | $14,000 | $36,000 | $36,000 |
| 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 |
| Not Provided | 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) | 33 | $7,882,000 | $238,000 | $2,400,000 | $82,000 | $1,351,000 |
| 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 | 28 | $6,796,000 | $242,000 | $2,400,000 | $82,000 | $1,351,000 |
| Application Denied By Financial Institution | 3 | $657,000 | $219,000 | $454,000 | $72,000 | $124,000 |
| Application Approved But Not Accepted | 2 | $429,000 | $214,000 | $230,000 | $84,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 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 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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