City Bank & Trust Co. Mortgage Lending & HMDA Data, 2024
In 2024, City Bank & Trust Co. of Crete, NE reported 261 mortgage applications totaling $57.1 million, up 15% from 2023. The average application was for $218,946, and applicants reported an average income of $111,249. 66% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Lincoln, NE (150), Omaha-Council Bluffs, NE-IA (7) and Des Moines-West Des Moines, 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 | 2025 2024 2023 |
| Total Number of Mortgage Applications | 261 |
| Total Mortgage Loan Application Amount | $57,145,000 |
| Average Mortgage Loan Application Amount | $218,946 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $111,249 |
| Highest Applicant Income | $1,806,000 |
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(HMDA) records City Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 80 | $ 17,400,000 | $ 217,500 | $ 116,000 |
| Seward, Nebraska | 70 | $ 17,920,000 | $ 256,000 | $ 153,000 |
| Saline, Nebraska | 22 | $ 3,910,000 | $ 177,727 | $ 79,000 |
| Butler, Nebraska | 8 | $ 1,220,000 | $ 152,500 | $ 96,000 |
| Otoe, Nebraska | 5 | $ 1,175,000 | $ 235,000 | $ 63,000 |
| Gage, Nebraska | 4 | $ 180,000 | $ 45,000 | $ 57,000 |
| Boone, Nebraska | 3 | $ 615,000 | $ 205,000 | $ 143,000 |
| Douglas, Nebraska | 3 | $ 705,000 | $ 235,000 | $ 102,000 |
| Polk, Iowa | 2 | $ 580,000 | $ 290,000 | $ 106,000 |
| Jefferson, Nebraska | 2 | $ 350,000 | $ 175,000 | $ 85,000 |
| Rock, Nebraska | 2 | $ 220,000 | $ 110,000 | $ 70,000 |
| Saunders, Nebraska | 2 | $ 820,000 | $ 410,000 | $ 144,000 |
| York, Nebraska | 2 | $ 300,000 | $ 150,000 | $ 63,000 |
| Camden, Missouri | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Brown, Nebraska | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Buffalo, Nebraska | 1 | $ 195,000 | $ 195,000 | $ 42,000 |
| Cass, Nebraska | 1 | $ 555,000 | $ 555,000 | $ 186,000 |
| Colfax, Nebraska | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Fillmore, Nebraska | 1 | $ 165,000 | $ 165,000 | $ 111,000 |
| Kearney, Nebraska | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Nemaha, Nebraska | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Platte, Nebraska | 1 | $ 245,000 | $ 245,000 | $ 115,000 |
| Polk, Nebraska | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Sarpy, Nebraska | 1 | $ 345,000 | $ 345,000 | $ 150,000 |
| Wayne, Nebraska | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for City Bank & Trust Co. in 2024
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 | 197 | $44,735,000 | $227,000 | $765,000 | $108,000 | $1,806,000 |
| Refinancing | 24 | $5,940,000 | $247,000 | $615,000 | $121,000 | $300,000 |
| Cash-out Refinancing | 17 | $2,905,000 | $170,000 | $645,000 | $104,000 | $292,000 |
| Home Improvement | 12 | $1,080,000 | $90,000 | $395,000 | $118,000 | $267,000 |
| Other Purpose | 11 | $2,485,000 | $225,000 | $725,000 | $152,000 | $285,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 172 | $38,870,000 | $225,000 | $645,000 | $119,000 | $1,806,000 |
| Not Provided | 43 | $7,415,000 | $172,000 | $645,000 | $80,000 | $285,000 |
| Hispanic | 26 | $6,290,000 | $241,000 | $765,000 | $108,000 | $272,000 |
| Not applicable | 10 | $2,460,000 | $246,000 | $575,000 | $0 | $0 |
| Asian | 4 | $770,000 | $192,000 | $305,000 | $81,000 | $92,000 |
| Black or African American | 3 | $805,000 | $268,000 | $445,000 | $284,000 | $546,000 |
| American Indian or Alaskan Native | 3 | $535,000 | $178,000 | $235,000 | $74,000 | $96,000 |
| 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) | 228 | $47,900,000 | $210,000 | $765,000 | $114,000 | $1,806,000 |
| FHA-insured (Federal Housing Administration) | 13 | $3,385,000 | $260,000 | $445,000 | $88,000 | $173,000 |
| VA-guaranteed (Veterans Administration) | 11 | $3,945,000 | $358,000 | $645,000 | $108,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,915,000 | $212,000 | $335,000 | $84,000 | $110,000 |
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 | 172 | $38,360,000 | $223,000 | $765,000 | $125,000 | $1,806,000 |
| Application Denied By Financial Institution | 44 | $9,380,000 | $213,000 | $645,000 | $66,000 | $189,000 |
| Application Withdrawn By Applicant | 43 | $8,325,000 | $193,000 | $555,000 | $105,000 | $267,000 |
| File Closed For Incompleteness | 2 | $1,080,000 | $540,000 | $725,000 | $168,000 | $173,000 |
| Application Approved But Not Accepted | 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 | 261 | $57,145,000 | $218,000 | $765,000 | $111,000 | $1,806,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City Bank & Trust Co.'s 2024 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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