Commercial Federal Bank Mortgage Lending & HMDA Data, 2004

In 2004, Commercial Federal Bank of Omaha, NE reported 23,760 mortgage applications totaling $3.2 billion, down 54% from 2003. The average application was for $136,252, and applicants reported an average income of $44,047. 51% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (2,604), Denver-Aurora, CO (1,932) and Wichita, KS (1,461) (applications in parentheses).

Mortgage Company & Address Commercial Federal Bank
11207 West Dodge Road 2nd Fl
Omaha, NE 68154
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 23,760
Total Mortgage Loan Application Amount $3,237,351,000
Average Mortgage Loan Application Amount $136,252
Highest Mortgage Loan Application Amount $92,000,000
Average Applicant Income $44,047
Highest Applicant Income $1,800,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Commercial Federal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Commercial Federal Bank by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Douglas, Nebraska 2,012 $ 297,474,000 $ 147,849 $ 47,000
Sedgwick, Kansas 1,135 $ 110,392,000 $ 97,261 $ 53,000
Lancaster, Nebraska 692 $ 66,095,000 $ 95,513 $ 41,000
Polk, Iowa 655 $ 69,036,000 $ 105,398 $ 43,000
Pima, Arizona 654 $ 99,849,000 $ 152,674 $ 75,000
Jefferson, Colorado 480 $ 77,124,000 $ 160,675 $ 48,000
Arapahoe, Colorado 448 $ 70,588,000 $ 157,562 $ 63,000
Sarpy, Nebraska 435 $ 48,400,000 $ 111,264 $ 45,000
Adams, Colorado 428 $ 62,842,000 $ 146,827 $ 40,000
Linn, Iowa 402 $ 41,278,000 $ 102,681 $ 50,000
Denver, Colorado 363 $ 57,929,000 $ 159,584 $ 52,000
Jackson, Missouri 305 $ 36,085,000 $ 118,311 $ 48,000
Garfield, Oklahoma 286 $ 20,794,000 $ 72,706 $ 37,000
Maricopa, Arizona 274 $ 43,953,000 $ 160,412 $ 44,000
Pottawattamie, Iowa 262 $ 28,306,000 $ 108,038 $ 49,000
Oklahoma, Oklahoma 261 $ 19,445,000 $ 74,501 $ 59,000
Johnson, Kansas 242 $ 38,494,000 $ 159,066 $ 63,000
Hennepin, Minnesota 238 $ 50,305,000 $ 211,365 $ 46,000
Butler, Kansas 200 $ 18,978,000 $ 94,890 $ 49,000
Pulaski, Missouri 187 $ 21,319,000 $ 114,005 $ 36,000
Lincoln, Nebraska 176 $ 12,824,000 $ 72,863 $ 33,000
Ford, Kansas 174 $ 14,128,000 $ 81,195 $ 56,000
Larimer, Colorado 172 $ 29,385,000 $ 170,843 $ 54,000
Douglas, Colorado 163 $ 35,000,000 $ 214,723 $ 58,000
Weld, Colorado 159 $ 24,746,000 $ 155,635 $ 49,000
Tulsa, Oklahoma 157 $ 14,656,000 $ 93,350 $ 49,000
Buffalo, Nebraska 154 $ 15,753,000 $ 102,292 $ 34,000
Hall, Nebraska 152 $ 10,118,000 $ 66,565 $ 39,000
Boone, Iowa 146 $ 9,926,000 $ 67,986 $ 43,000
Johnson, Iowa 136 $ 19,659,000 $ 144,551 $ 47,000
St. Louis, Missouri 132 $ 21,452,000 $ 162,515 $ 30,000
Middlesex, Massachusetts 128 $ 34,689,000 $ 271,007 $ 70,000
Cobb, Georgia 124 $ 23,232,000 $ 187,354 $ 24,000
Platte, Nebraska 120 $ 8,043,000 $ 67,025 $ 40,000
Clark, Nevada 118 $ 23,237,000 $ 196,923 $ 50,000
Boulder, Colorado 114 $ 21,249,000 $ 186,394 $ 54,000
Madison, Nebraska 113 $ 7,299,000 $ 64,592 $ 30,000
Dawson, Nebraska 111 $ 6,951,000 $ 62,621 $ 29,000
Dallas, Texas 108 $ 16,714,000 $ 154,759 $ 34,000
Cleveland, Oklahoma 106 $ 13,384,000 $ 126,264 $ 52,000
Dallas, Iowa 104 $ 15,053,000 $ 144,740 $ 71,000
Kay, Oklahoma 100 $ 5,490,000 $ 54,900 $ 33,000
Saline, Kansas 98 $ 10,655,000 $ 108,724 $ 32,000
Harvey, Kansas 94 $ 7,664,000 $ 81,531 $ 36,000
Fairfax, Virginia 93 $ 24,692,000 $ 265,505 $ 68,000
Sacramento, California 89 $ 24,078,000 $ 270,539 $ 45,000
Adams, Nebraska 88 $ 6,253,000 $ 71,056 $ 35,000
Harris, Texas 88 $ 15,952,000 $ 181,272 $ 34,000
Oakland, Michigan 84 $ 17,192,000 $ 204,666 $ 52,000
Tarrant, Texas 82 $ 14,495,000 $ 176,768 $ 105,000
Clay, Missouri 81 $ 11,595,000 $ 143,148 $ 52,000
Geary, Kansas 80 $ 6,673,000 $ 83,412 $ 29,000
Pittsburg, Oklahoma 78 $ 7,617,000 $ 97,653 $ 25,000
Hillsborough, Florida 77 $ 11,806,000 $ 153,324 $ 25,000
Gwinnett, Georgia 77 $ 12,671,000 $ 164,558 $ 108,000
Cook, Illinois 77 $ 16,359,000 $ 212,454 $ 43,000
St. Charles, Missouri 77 $ 11,594,000 $ 150,571 $ 33,000
Pinal, Arizona 76 $ 12,130,000 $ 159,605 $ 43,000
Franklin, Kansas 76 $ 4,608,000 $ 60,631 $ 40,000
Gage, Nebraska 73 $ 4,634,000 $ 63,479 $ 44,000
Wapello, Iowa 72 $ 2,541,000 $ 35,291 $ 36,000
Fulton, Georgia 70 $ 16,505,000 $ 235,785 $ 69,000
Anoka, Minnesota 70 $ 14,110,000 $ 201,571 $ 26,000
Dakota, Minnesota 70 $ 12,782,000 $ 182,600 $ 47,000
Dodge, Nebraska 70 $ 5,598,000 $ 79,971 $ 40,000
Payne, Oklahoma 70 $ 6,052,000 $ 86,457 $ 39,000
Salt Lake, Utah 68 $ 9,785,000 $ 143,897 $ 10,000
Cass, Nebraska 65 $ 7,567,000 $ 116,415 $ 50,000
Decatur, Iowa 63 $ 4,505,000 $ 71,507 $ 44,000
Norfolk, Massachusetts 63 $ 16,888,000 $ 268,063 $ 46,000
Collin, Texas 63 $ 11,043,000 $ 175,285 $ 43,000
Harrison, Iowa 62 $ 4,915,000 $ 79,274 $ 41,000
Scotts Bluff, Nebraska 62 $ 4,702,000 $ 75,838 $ 37,000
El Paso, Colorado 60 $ 10,171,000 $ 169,516 $ 31,000
Essex, Massachusetts 59 $ 15,230,000 $ 258,135 $ 35,000
Suffolk, Massachusetts 59 $ 17,381,000 $ 294,593 $ 60,000
DeKalb, Georgia 58 $ 10,101,000 $ 174,155 $ 22,000
Carroll, Iowa 58 $ 3,453,000 $ 59,534 $ 41,000
Leavenworth, Kansas 58 $ 6,304,000 $ 108,689 $ 59,000
Washington, Nebraska 57 $ 7,639,000 $ 134,017 $ 60,000
Riverside, California 55 $ 15,858,000 $ 288,327 $ 42,000
Wayne, Michigan 53 $ 7,137,000 $ 134,660 $ 36,000
King, Washington 53 $ 12,758,000 $ 240,716 $ 56,000
Montgomery, Maryland 52 $ 15,124,000 $ 290,846 $ 71,000
Orange, Florida 51 $ 9,690,000 $ 190,000 $ 38,000
Warren, Iowa 50 $ 4,582,000 $ 91,640 $ 49,000
Manatee, Florida 49 $ 10,379,000 $ 211,816 $ 29,000
Black Hawk, Iowa 48 $ 5,738,000 $ 119,541 $ 28,000
Cowley, Kansas 48 $ 4,406,000 $ 91,791 $ 52,000
Ramsey, Minnesota 47 $ 9,468,000 $ 201,446 $ 26,000
Prince William, Virginia 47 $ 11,609,000 $ 247,000 $ 46,000
Benton, Washington 47 $ 5,471,000 $ 116,404 $ 29,000
Pasco, Florida 45 $ 7,177,000 $ 159,488 $ 43,000
Worcester, Massachusetts 45 $ 10,859,000 $ 241,311 $ 48,000
Pontotoc, Oklahoma 45 $ 2,523,000 $ 56,066 $ 49,000
Brevard, Florida 44 $ 7,309,000 $ 166,113 $ 24,000
Macomb, Michigan 44 $ 6,954,000 $ 158,045 $ 70,000
Jasper, Missouri 44 $ 4,536,000 $ 103,090 $ 33,000
Story, Iowa 43 $ 4,644,000 $ 108,000 $ 49,000
York, Maine 43 $ 7,962,000 $ 185,162 $ 51,000
Scott, Minnesota 43 $ 9,203,000 $ 214,023 $ 35,000
Platte, Missouri 42 $ 6,033,000 $ 143,642 $ 48,000
Woodbury, Iowa 41 $ 2,346,000 $ 57,219 $ 37,000
Wright, Minnesota 41 $ 7,537,000 $ 183,829 $ 29,000
Travis, Texas 41 $ 8,640,000 $ 210,731 $ 27,000
Mesa, Colorado 40 $ 4,459,000 $ 111,475 $ 38,000
Scott, Iowa 40 $ 4,336,000 $ 108,400 $ 51,000
Prince George's, Maryland 40 $ 9,112,000 $ 227,800 $ 33,000
Cass, Missouri 40 $ 5,826,000 $ 145,650 $ 48,000
Jackson, Oklahoma 40 $ 3,259,000 $ 81,475 $ 48,000
Wyandotte, Kansas 39 $ 3,174,000 $ 81,384 $ 38,000
Minnehaha, South Dakota 39 $ 4,863,000 $ 124,692 $ 33,000
Denton, Texas 38 $ 5,716,000 $ 150,421 $ 48,000
Loudoun, Virginia 37 $ 11,334,000 $ 306,324 $ 75,000
Snohomish, Washington 37 $ 7,162,000 $ 193,567 $ 30,000
Douglas, Kansas 36 $ 7,534,000 $ 209,277 $ 108,000
Reno, Kansas 36 $ 2,700,000 $ 75,000 $ 38,000
Sherburne, Minnesota 36 $ 6,488,000 $ 180,222 $ 24,000
Marshall, Iowa 35 $ 1,571,000 $ 44,885 $ 41,000
Shelby, Iowa 35 $ 2,899,000 $ 82,828 $ 43,000
Saunders, Nebraska 35 $ 3,377,000 $ 96,485 $ 59,000
McPherson, Kansas 34 $ 2,631,000 $ 77,382 $ 44,000
Box Butte, Nebraska 34 $ 2,035,000 $ 59,852 $ 43,000
Otoe, Nebraska 34 $ 2,952,000 $ 86,823 $ 30,000
Canadian, Oklahoma 34 $ 2,876,000 $ 84,588 $ 57,000
Buchanan, Iowa 33 $ 3,664,000 $ 111,030 $ 49,000
Pinellas, Florida 32 $ 4,281,000 $ 133,781 $ 28,000
Sumner, Kansas 32 $ 2,998,000 $ 93,687 $ 51,000
Carver, Minnesota 32 $ 7,507,000 $ 234,593 $ 51,000
Rogers, Oklahoma 32 $ 3,885,000 $ 121,406 $ 52,000
District of Columbia, District Of Columbia 31 $ 7,259,000 $ 234,161 $ 58,000
Broomfield, Colorado 30 $ 5,879,000 $ 195,966 $ 36,000
Cherokee, Georgia 29 $ 5,144,000 $ 177,379 $ 35,000
Lake, Indiana 29 $ 3,138,000 $ 108,206 $ 28,000
Edwards, Kansas 29 $ 727,000 $ 25,068 $ 27,000
Riley, Kansas 29 $ 3,198,000 $ 110,275 $ 59,000
Utah, Utah 29 $ 4,198,000 $ 144,758 $ 23,000
Jefferson, Alabama 28 $ 4,796,000 $ 171,285 $ 80,000
Marion, Indiana 28 $ 3,323,000 $ 118,678 $ 29,000
Benton, Iowa 28 $ 3,054,000 $ 109,071 $ 44,000
Cheyenne, Nebraska 28 $ 1,612,000 $ 57,571 $ 38,000
Jones, Iowa 27 $ 1,881,000 $ 69,666 $ 33,000
York, Nebraska 27 $ 1,726,000 $ 63,925 $ 28,000
Franklin, Ohio 27 $ 3,700,000 $ 137,037 $ 10,000
Seminole, Oklahoma 27 $ 1,280,000 $ 47,407 $ 41,000
Forsyth, Georgia 26 $ 5,572,000 $ 214,307 $ 49,000
Jefferson, Missouri 26 $ 3,275,000 $ 125,961 $ 13,000
Mecklenburg, North Carolina 26 $ 3,987,000 $ 153,346 $ 39,000
Miami-Dade, Florida 25 $ 4,644,000 $ 185,760 $ 46,000
Muscogee, Georgia 25 $ 4,277,000 $ 171,080 $ 31,000
Wake, North Carolina 25 $ 4,288,000 $ 171,520 $ 7,000
Carroll, Arkansas 24 $ 2,421,000 $ 100,875 $ 26,000
Alameda, California 24 $ 7,984,000 $ 332,666 $ 22,000
DuPage, Illinois 24 $ 5,897,000 $ 245,708 $ 27,000
Lake, Illinois 24 $ 5,151,000 $ 214,625 $ 47,000
Barton, Kansas 24 $ 737,000 $ 30,708 $ 31,000
Plymouth, Massachusetts 24 $ 6,876,000 $ 286,500 $ 31,000
Isanti, Minnesota 24 $ 4,047,000 $ 168,625 $ 30,000
Wagoner, Oklahoma 24 $ 2,529,000 $ 105,375 $ 51,000
Chester, Pennsylvania 24 $ 6,111,000 $ 254,625 $ 70,000
Montgomery, Texas 24 $ 4,707,000 $ 196,125 $ 27,000
Davis, Iowa 23 $ 1,475,000 $ 64,130 $ 35,000
Marion, Kansas 23 $ 1,489,000 $ 64,739 $ 55,000
Anne Arundel, Maryland 23 $ 5,591,000 $ 243,086 $ 47,000
Dakota, Nebraska 23 $ 1,597,000 $ 69,434 $ 36,000
Phelps, Nebraska 23 $ 1,030,000 $ 44,782 $ 24,000
Lincoln, Oklahoma 23 $ 2,000,000 $ 86,956 $ 52,000
Santa Cruz, Arizona 22 $ 5,075,000 $ 230,681 $ 78,000
Montrose, Colorado 22 $ 1,785,000 $ 81,136 $ 40,000
Fayette, Iowa 22 $ 1,593,000 $ 72,409 $ 27,000
Frederick, Maryland 22 $ 5,266,000 $ 239,363 $ 35,000
Osage, Oklahoma 22 $ 2,117,000 $ 96,227 $ 44,000
Washington, Oklahoma 22 $ 1,572,000 $ 71,454 $ 35,000
Kendall, Illinois 21 $ 3,901,000 $ 185,761 $ 38,000
Dickinson, Kansas 21 $ 1,646,000 $ 78,380 $ 34,000
Mitchell, Kansas 21 $ 1,383,000 $ 65,857 $ 34,000
Baltimore, Maryland 21 $ 4,115,000 $ 195,952 $ 69,000
St. Louis City, Missouri 21 $ 2,402,000 $ 114,380 $ 11,000
Palm Beach, Florida 20 $ 3,906,000 $ 195,300 $ 43,000
Chickasaw, Iowa 20 $ 2,082,000 $ 104,100 $ 23,000
Madison, Iowa 20 $ 2,493,000 $ 124,650 $ 57,000
Howard, Maryland 20 $ 6,026,000 $ 301,300 $ 67,000
Washington, Minnesota 20 $ 4,445,000 $ 222,250 $ 33,000
Newton, Missouri 20 $ 1,942,000 $ 97,100 $ 25,000
Pierce, Nebraska 20 $ 1,264,000 $ 63,200 $ 27,000
Cuyahoga, Ohio 20 $ 2,929,000 $ 146,450 $ 37,000
Montgomery, Pennsylvania 20 $ 4,012,000 $ 200,600 $ 46,000
Henrico, Virginia 20 $ 4,104,000 $ 205,200 $ 43,000
Kane, Illinois 19 $ 3,435,000 $ 180,789 $ 35,000
Saline, Nebraska 19 $ 1,392,000 $ 73,263 $ 43,000
Delta, Colorado 18 $ 1,445,000 $ 80,277 $ 36,000
Hartford, Connecticut 18 $ 3,654,000 $ 203,000 $ 48,000
New Haven, Connecticut 18 $ 3,135,000 $ 174,166 $ 57,000
Duval, Florida 18 $ 2,574,000 $ 143,000 $ 40,000
Finney, Kansas 18 $ 1,820,000 $ 101,111 $ 35,000
Harper, Kansas 18 $ 755,000 $ 41,944 $ 73,000
Harford, Maryland 18 $ 4,119,000 $ 228,833 $ 55,000
Stanton, Nebraska 18 $ 1,342,000 $ 74,555 $ 37,000
Hillsborough, New Hampshire 18 $ 3,590,000 $ 199,444 $ 46,000
Carter, Oklahoma 18 $ 1,327,000 $ 73,722 $ 40,000
Woods, Oklahoma 18 $ 931,000 $ 51,722 $ 30,000
Fairfield, Connecticut 17 $ 4,100,000 $ 241,176 $ 75,000
Lee, Florida 17 $ 4,015,000 $ 236,176 $ 119,000
Hamilton, Ohio 17 $ 3,302,000 $ 194,235 $ 71,000
Davidson, Tennessee 17 $ 2,662,000 $ 156,588 $ 31,000
Los Angeles, California 16 $ 4,977,000 $ 311,062 $ 33,000
Summit, Colorado 16 $ 2,824,000 $ 176,500 $ 96,000
Mills, Iowa 16 $ 1,869,000 $ 116,812 $ 69,000
Muscatine, Iowa 16 $ 1,290,000 $ 80,625 $ 38,000
Pawnee, Kansas 16 $ 630,000 $ 39,375 $ 46,000
Shawnee, Kansas 16 $ 1,659,000 $ 103,687 $ 45,000
Bristol, Massachusetts 16 $ 3,920,000 $ 245,000 $ 61,000
Boone, Missouri 16 $ 3,411,000 $ 213,187 $ 135,000
Yellowstone, Montana 16 $ 2,296,000 $ 143,500 $ 29,000
Noble, Oklahoma 16 $ 912,000 $ 57,000 $ 36,000
Franklin, Washington 16 $ 1,834,000 $ 114,625 $ 12,000
Contra Costa, California 15 $ 5,570,000 $ 371,333 $ 43,000
Placer, California 15 $ 4,490,000 $ 299,333 $ 59,000
Cedar, Nebraska 15 $ 819,000 $ 54,600 $ 22,000
Wayne, Nebraska 15 $ 1,225,000 $ 81,666 $ 45,000
Major, Oklahoma 15 $ 635,000 $ 42,333 $ 51,000
Allegheny, Pennsylvania 15 $ 3,469,000 $ 231,266 $ 50,000
Charleston, South Carolina 15 $ 2,475,000 $ 165,000 $ 19,000
Fort Bend, Texas 15 $ 2,687,000 $ 179,133 $ 0
Arlington, Virginia 15 $ 4,353,000 $ 290,200 $ 26,000
San Bernardino, California 14 $ 3,459,000 $ 247,071 $ 23,000
Anderson, Kansas 14 $ 828,000 $ 59,142 $ 56,000
Kingman, Kansas 14 $ 1,266,000 $ 90,428 $ 60,000
Hamilton, Nebraska 14 $ 923,000 $ 65,928 $ 41,000
Seward, Nebraska 14 $ 1,202,000 $ 85,857 $ 49,000
Durham, North Carolina 14 $ 3,229,000 $ 230,642 $ 56,000
Davis, Utah 14 $ 2,078,000 $ 148,428 $ 18,000
New Castle, Delaware 13 $ 2,365,000 $ 181,923 $ 27,000
Chatham, Georgia 13 $ 2,226,000 $ 171,230 $ 4,000
Cedar, Iowa 13 $ 1,825,000 $ 140,384 $ 47,000
Clay, Nebraska 13 $ 757,000 $ 58,230 $ 38,000
Bernalillo, New Mexico 13 $ 1,507,000 $ 115,923 $ 50,000
Williamson, Texas 13 $ 1,993,000 $ 153,307 $ 13,000
Washington, Utah 13 $ 1,782,000 $ 137,076 $ 20,000
Montgomery, Alabama 12 $ 2,012,000 $ 167,666 $ 10,000
Cochise, Arizona 12 $ 2,453,000 $ 204,416 $ 59,000
Will, Illinois 12 $ 2,194,000 $ 182,833 $ 40,000
Jasper, Iowa 12 $ 1,572,000 $ 131,000 $ 63,000
Mahaska, Iowa 12 $ 908,000 $ 75,666 $ 53,000
Genesee, Michigan 12 $ 1,784,000 $ 148,666 $ 31,000
Ray, Missouri 12 $ 1,394,000 $ 116,166 $ 43,000
Cuming, Nebraska 12 $ 772,000 $ 64,333 $ 32,000
Kearney, Nebraska 12 $ 1,217,000 $ 101,416 $ 51,000
Red Willow, Nebraska 12 $ 789,000 $ 65,750 $ 19,000
Creek, Oklahoma 12 $ 1,271,000 $ 105,916 $ 58,000
Mayes, Oklahoma 12 $ 1,093,000 $ 91,083 $ 67,000
McClain, Oklahoma 12 $ 982,000 $ 81,833 $ 51,000
Pottawatomie, Oklahoma 12 $ 946,000 $ 78,833 $ 41,000
Providence, Rhode Island 12 $ 2,380,000 $ 198,333 $ 66,000
Alexandria, Virginia 12 $ 3,155,000 $ 262,916 $ 54,000
Pierce, Washington 12 $ 1,909,000 $ 159,083 $ 20,000
Boone, Arkansas 11 $ 975,000 $ 88,636 $ 44,000
Ouachita, Arkansas 11 $ 1,091,000 $ 99,181 $ 67,000
El Dorado, California 11 $ 3,454,000 $ 314,000 $ 32,000
Hamilton, Indiana 11 $ 1,820,000 $ 165,454 $ 33,000
Cecil, Maryland 11 $ 2,734,000 $ 248,545 $ 42,000
Barnstable, Massachusetts 11 $ 3,018,000 $ 274,363 $ 71,000
Greene, Missouri 11 $ 1,324,000 $ 120,363 $ 53,000
Colfax, Nebraska 11 $ 721,000 $ 65,545 $ 31,000
Polk, Nebraska 11 $ 893,000 $ 81,181 $ 37,000
Rockingham, New Hampshire 11 $ 2,955,000 $ 268,636 $ 45,000
Logan, Oklahoma 11 $ 1,056,000 $ 96,000 $ 58,000
Delaware, Pennsylvania 11 $ 3,450,000 $ 313,636 $ 21,000
Dorchester, South Carolina 11 $ 1,824,000 $ 165,818 $ 31,000
Lee, Alabama 10 $ 1,578,000 $ 157,800 $ 21,000
Collier, Florida 10 $ 1,877,000 $ 187,700 $ 42,000
Sarasota, Florida 10 $ 2,439,000 $ 243,900 $ 69,000
Henry, Georgia 10 $ 1,298,000 $ 129,800 $ 6,000
McHenry, Illinois 10 $ 2,359,000 $ 235,900 $ 5,000
Marion, Iowa 10 $ 843,000 $ 84,300 $ 48,000
Montgomery, Iowa 10 $ 777,000 $ 77,700 $ 54,000
Osage, Kansas 10 $ 760,000 $ 76,000 $ 55,000
Chisago, Minnesota 10 $ 1,670,000 $ 167,000 $ 10,000
Olmsted, Minnesota 10 $ 1,581,000 $ 158,100 $ 35,000
Texas, Missouri 10 $ 1,001,000 $ 100,100 $ 16,000
Thurston, Nebraska 10 $ 816,000 $ 81,600 $ 51,000
Kingfisher, Oklahoma 10 $ 627,000 $ 62,700 $ 43,000
Texas, Oklahoma 10 $ 815,000 $ 81,500 $ 43,000
Berkeley, South Carolina 10 $ 1,580,000 $ 158,000 $ 8,000
Weber, Utah 10 $ 1,125,000 $ 112,500 $ 10,000
Dane, Wisconsin 10 $ 1,935,000 $ 193,500 $ 25,000
Volusia, Florida 9 $ 1,365,000 $ 151,666 $ 52,000
Columbia, Georgia 9 $ 1,475,000 $ 163,888 $ 22,000
Monroe, Iowa 9 $ 311,000 $ 34,555 $ 39,000
Neosho, Kansas 9 $ 622,000 $ 69,111 $ 45,000
Rice, Kansas 9 $ 317,000 $ 35,222 $ 38,000
Seward, Kansas 9 $ 536,000 $ 59,555 $ 49,000
Fillmore, Nebraska 9 $ 384,000 $ 42,666 $ 28,000
Thayer, Nebraska 9 $ 449,000 $ 49,888 $ 29,000
Camden, New Jersey 9 $ 1,537,000 $ 170,777 $ 16,000
Philadelphia, Pennsylvania 9 $ 1,668,000 $ 185,333 $ 30,000
Bell, Texas 9 $ 1,215,000 $ 135,000 $ 4,000
Stafford, Virginia 9 $ 2,120,000 $ 235,555 $ 25,000
Independence, Arkansas 8 $ 628,000 $ 78,500 $ 12,000
Broward, Florida 8 $ 1,907,000 $ 238,375 $ 42,000
Lake, Florida 8 $ 1,279,000 $ 159,875 $ 36,000
Douglas, Georgia 8 $ 1,139,000 $ 142,375 $ 0
Richmond, Georgia 8 $ 794,000 $ 99,250 $ 28,000
Bremer, Iowa 8 $ 828,000 $ 103,500 $ 13,000
Cass, Iowa 8 $ 457,000 $ 57,125 $ 38,000
Iowa, Iowa 8 $ 818,000 $ 102,250 $ 51,000
Washington, Iowa 8 $ 55,463,000 $ 6,932,875 $ 26,000
Ellis, Kansas 8 $ 440,000 $ 55,000 $ 51,000
Norton, Kansas 8 $ 419,000 $ 52,375 $ 44,000
Russell, Kansas 8 $ 444,000 $ 55,500 $ 60,000
Washtenaw, Michigan 8 $ 1,446,000 $ 180,750 $ 78,000
Antelope, Nebraska 8 $ 541,000 $ 67,625 $ 37,000
Boone, Nebraska 8 $ 471,000 $ 58,875 $ 34,000
Butler, Nebraska 8 $ 555,000 $ 69,375 $ 39,000
Custer, Nebraska 8 $ 303,000 $ 37,875 $ 17,000
Dawes, Nebraska 8 $ 387,000 $ 48,375 $ 14,000
Holt, Nebraska 8 $ 430,000 $ 53,750 $ 39,000
Nuckolls, Nebraska 8 $ 427,000 $ 53,375 $ 38,000
Forsyth, North Carolina 8 $ 1,139,000 $ 142,375 $ 0
Nowata, Oklahoma 8 $ 913,000 $ 114,125 $ 61,000
Butler, Pennsylvania 8 $ 1,485,000 $ 185,625 $ 5,000
Greenville, South Carolina 8 $ 1,203,000 $ 150,375 $ 35,000
Hamilton, Tennessee 8 $ 1,349,000 $ 168,625 $ 8,000
Ellis, Texas 8 $ 796,000 $ 99,500 $ 14,000
Tooele, Utah 8 $ 1,106,000 $ 138,250 $ 9,000
Fresno, California 7 $ 1,479,000 $ 211,285 $ 0
Orange, California 7 $ 2,534,000 $ 362,000 $ 29,000
San Diego, California 7 $ 2,272,000 $ 324,571 $ 53,000
Yuba, California 7 $ 1,704,000 $ 243,428 $ 34,000
Grand, Colorado 7 $ 1,440,000 $ 205,714 $ 53,000
Seminole, Florida 7 $ 1,217,000 $ 173,857 $ 22,000
Clayton, Georgia 7 $ 784,000 $ 112,000 $ 9,000
Coles, Illinois 7 $ 938,000 $ 134,000 $ 36,000
Jefferson, Iowa 7 $ 544,000 $ 77,714 $ 42,000
Keokuk, Iowa 7 $ 155,000 $ 22,142 $ 18,000
Ringgold, Iowa 7 $ 574,000 $ 82,000 $ 58,000
Cumberland, Maine 7 $ 1,358,000 $ 194,000 $ 11,000
St. Clair, Michigan 7 $ 1,125,000 $ 160,714 $ 56,000
Laclede, Missouri 7 $ 642,000 $ 91,714 $ 3,000
Phelps, Missouri 7 $ 773,000 $ 110,428 $ 35,000
Nemaha, Nebraska 7 $ 676,000 $ 96,571 $ 48,000
Richardson, Nebraska 7 $ 312,000 $ 44,571 $ 11,000
Strafford, New Hampshire 7 $ 1,307,000 $ 186,714 $ 16,000
Middlesex, New Jersey 7 $ 1,801,000 $ 257,285 $ 25,000
Union, New Jersey 7 $ 1,413,000 $ 201,857 $ 58,000
Delaware, Ohio 7 $ 1,660,000 $ 237,142 $ 82,000
Lorain, Ohio 7 $ 1,342,000 $ 191,714 $ 41,000
Washington, Oregon 7 $ 1,426,000 $ 203,714 $ 75,000
Richland, South Carolina 7 $ 1,331,000 $ 190,142 $ 17,000
Kitsap, Washington 7 $ 1,215,000 $ 173,571 $ 24,000
Jefferson, West Virginia 7 $ 1,547,000 $ 221,000 $ 9,000
Navajo, Arizona 6 $ 923,000 $ 153,833 $ 119,000
Yavapai, Arizona 6 $ 898,000 $ 149,666 $ 28,000
Santa Clara, California 6 $ 1,869,000 $ 311,500 $ 53,000
Clear Creek, Colorado 6 $ 1,204,000 $ 200,666 $ 62,000
Elbert, Colorado 6 $ 1,468,000 $ 244,666 $ 107,000
Morgan, Colorado 6 $ 475,000 $ 79,166 $ 41,000
Park, Colorado 6 $ 1,120,000 $ 186,666 $ 40,000
Pueblo, Colorado 6 $ 776,000 $ 129,333 $ 44,000
Marion, Florida 6 $ 936,000 $ 156,000 $ 57,000
Martin, Florida 6 $ 1,323,000 $ 220,500 $ 40,000
Clarke, Georgia 6 $ 862,000 $ 143,666 $ 41,000
Coweta, Georgia 6 $ 602,000 $ 100,333 $ 12,000
Paulding, Georgia 6 $ 1,048,000 $ 174,666 $ 5,000
Walton, Georgia 6 $ 956,000 $ 159,333 $ 0
Crawford, Iowa 6 $ 413,000 $ 68,833 $ 57,000
Des Moines, Iowa 6 $ 419,000 $ 69,833 $ 24,000
Page, Iowa 6 $ 298,000 $ 49,666 $ 40,000
Clark, Kansas 6 $ 415,000 $ 69,166 $ 46,000
Cloud, Kansas 6 $ 490,000 $ 81,666 $ 53,000
Gray, Kansas 6 $ 162,000 $ 27,000 $ 53,000
Jefferson, Louisiana 6 $ 951,000 $ 158,500 $ 72,000
Calvert, Maryland 6 $ 1,526,000 $ 254,333 $ 51,000
Hampden, Massachusetts 6 $ 1,227,000 $ 204,500 $ 73,000
Kent, Michigan 6 $ 1,023,000 $ 170,500 $ 31,000
Monroe, Michigan 6 $ 784,000 $ 130,666 $ 31,000
Buchanan, Missouri 6 $ 651,000 $ 108,500 $ 26,000
Christian, Missouri 6 $ 804,000 $ 134,000 $ 29,000
Johnson, Missouri 6 $ 745,000 $ 124,166 $ 33,000
Lafayette, Missouri 6 $ 639,000 $ 106,500 $ 55,000
Dixon, Nebraska 6 $ 233,000 $ 38,833 $ 45,000
Furnas, Nebraska 6 $ 241,000 $ 40,166 $ 31,000
Nance, Nebraska 6 $ 281,000 $ 46,833 $ 25,000
Summit, Ohio 6 $ 1,380,000 $ 230,000 $ 32,000
Union, Ohio 6 $ 868,000 $ 144,666 $ 15,000
Comanche, Oklahoma 6 $ 355,000 $ 59,166 $ 45,000
Hughes, Oklahoma 6 $ 446,000 $ 74,333 $ 9,000
Murray, Oklahoma 6 $ 316,000 $ 52,666 $ 28,000
Multnomah, Oregon 6 $ 925,000 $ 154,166 $ 42,000
Bucks, Pennsylvania 6 $ 1,340,000 $ 223,333 $ 37,000
Lincoln, South Dakota 6 $ 747,000 $ 124,500 $ 54,000
Bexar, Texas 6 $ 976,000 $ 162,666 $ 37,000
Nueces, Texas 6 $ 924,000 $ 154,000 $ 85,000
Chesterfield, Virginia 6 $ 1,041,000 $ 173,500 $ 46,000
Manassas, Virginia 6 $ 1,462,000 $ 243,666 $ 13,000
Madison, Alabama 5 $ 937,000 $ 187,400 $ 75,000
Shelby, Alabama 5 $ 886,000 $ 177,200 $ 0
Tuscaloosa, Alabama 5 $ 783,000 $ 156,600 $ 38,000
Coconino, Arizona 5 $ 854,000 $ 170,800 $ 30,000
Solano, California 5 $ 1,393,000 $ 278,600 $ 69,000
Osceola, Florida 5 $ 1,356,000 $ 271,200 $ 28,000
Barrow, Georgia 5 $ 792,000 $ 158,400 $ 34,000
Greene, Georgia 5 $ 1,117,000 $ 223,400 $ 61,000
Hall, Georgia 5 $ 794,000 $ 158,800 $ 10,000
Houston, Georgia 5 $ 546,000 $ 109,200 $ 8,000
Hardin, Iowa 5 $ 230,000 $ 46,000 $ 37,000
Cherokee, Kansas 5 $ 391,000 $ 78,200 $ 22,000
Coffey, Kansas 5 $ 715,000 $ 143,000 $ 97,000
Miami, Kansas 5 $ 503,000 $ 100,600 $ 21,000
Ottawa, Kansas 5 $ 713,000 $ 142,600 $ 27,000
Pratt, Kansas 5 $ 389,000 $ 77,800 $ 68,000
East Baton Rouge, Louisiana 5 $ 638,000 $ 127,600 $ 33,000
Baltimore City, Maryland 5 $ 827,000 $ 165,400 $ 13,000
Carroll, Maryland 5 $ 1,995,000 $ 399,000 $ 57,000
McLeod, Minnesota 5 $ 494,000 $ 98,800 $ 10,000
Mille Lacs, Minnesota 5 $ 745,000 $ 149,000 $ 50,000
Harrison, Missouri 5 $ 240,000 $ 48,000 $ 28,000
Taney, Missouri 5 $ 852,000 $ 170,400 $ 47,000
Burt, Nebraska 5 $ 305,000 $ 61,000 $ 29,000
Franklin, Nebraska 5 $ 167,000 $ 33,400 $ 34,000
Gosper, Nebraska 5 $ 291,000 $ 58,200 $ 22,000
Howard, Nebraska 5 $ 241,000 $ 48,200 $ 19,000
Keith, Nebraska 5 $ 318,000 $ 63,600 $ 27,000
Knox, Nebraska 5 $ 378,000 $ 75,600 $ 20,000
Guilford, North Carolina 5 $ 995,000 $ 199,000 $ 40,000
Clermont, Ohio 5 $ 1,187,000 $ 237,400 $ 100,000
Medina, Ohio 5 $ 1,088,000 $ 217,600 $ 26,000
Warren, Ohio 5 $ 1,022,000 $ 204,400 $ 3,000
Bryan, Oklahoma 5 $ 819,000 $ 163,800 $ 51,000
Garvin, Oklahoma 5 $ 272,000 $ 54,400 $ 45,000
McIntosh, Oklahoma 5 $ 493,000 $ 98,600 $ 34,000
Clackamas, Oregon 5 $ 986,000 $ 197,200 $ 20,000
Kent, Rhode Island 5 $ 894,000 $ 178,800 $ 17,000
Williamson, Tennessee 5 $ 1,453,000 $ 290,600 $ 51,000
Hanover, Virginia 5 $ 1,091,000 $ 218,200 $ 23,000
Norfolk, Virginia 5 $ 842,000 $ 168,400 $ 9,000
Grant, Washington 5 $ 441,000 $ 88,200 $ 18,000
Berkeley, West Virginia 5 $ 914,000 $ 182,800 $ 43,000
Kern, California 4 $ 917,000 $ 229,250 $ 55,000
San Joaquin, California 4 $ 896,000 $ 224,000 $ 0
Middlesex, Connecticut 4 $ 757,000 $ 189,250 $ 20,000
Charlotte, Florida 4 $ 478,000 $ 119,500 $ 15,000
Escambia, Florida 4 $ 686,000 $ 171,500 $ 57,000
Leon, Florida 4 $ 911,000 $ 227,750 $ 30,000
Polk, Florida 4 $ 525,000 $ 131,250 $ 34,000
Bartow, Georgia 4 $ 453,000 $ 113,250 $ 5,000
Camden, Georgia 4 $ 546,000 $ 136,500 $ 0
Fayette, Georgia 4 $ 751,000 $ 187,750 $ 0
Glynn, Georgia 4 $ 807,000 $ 201,750 $ 13,000
Rock Island, Illinois 4 $ 217,000 $ 54,250 $ 52,000
Hendricks, Indiana 4 $ 463,000 $ 115,750 $ 8,000
Adair, Iowa 4 $ 277,000 $ 69,250 $ 51,000
Appanoose, Iowa 4 $ 133,000 $ 33,250 $ 25,000
Clarke, Iowa 4 $ 264,000 $ 66,000 $ 32,000
Dickinson, Iowa 4 $ 393,000 $ 98,250 $ 94,000
Greene, Iowa 4 $ 325,000 $ 81,250 $ 69,000
Grundy, Iowa 4 $ 551,000 $ 137,750 $ 48,000
Monona, Iowa 4 $ 172,000 $ 43,000 $ 40,000
Plymouth, Iowa 4 $ 446,000 $ 111,500 $ 40,000
Graham, Kansas 4 $ 147,000 $ 36,750 $ 29,000
Pottawatomie, Kansas 4 $ 357,000 $ 89,250 $ 32,000
Charles, Maryland 4 $ 1,185,000 $ 296,250 $ 29,000
Queen Anne's, Maryland 4 $ 1,390,000 $ 347,500 $ 174,000
Washington, Maryland 4 $ 746,000 $ 186,500 $ 30,000
Wicomico, Maryland 4 $ 374,000 $ 93,500 $ 78,000
Ingham, Michigan 4 $ 720,000 $ 180,000 $ 0
Livingston, Michigan 4 $ 741,000 $ 185,250 $ 16,000
Dodge, Minnesota 4 $ 671,000 $ 167,750 $ 31,000
Stearns, Minnesota 4 $ 544,000 $ 136,000 $ 27,000
Clinton, Missouri 4 $ 391,000 $ 97,750 $ 45,000
Henry, Missouri 4 $ 329,000 $ 82,250 $ 17,000
Lincoln, Missouri 4 $ 603,000 $ 150,750 $ 48,000
Scott, Missouri 4 $ 213,000 $ 53,250 $ 38,000
Phillips, Montana 4 $ 231,000 $ 57,750 $ 49,000
Chase, Nebraska 4 $ 508,000 $ 127,000 $ 49,000
Cherry, Nebraska 4 $ 226,000 $ 56,500 $ 18,000
Jefferson, Nebraska 4 $ 172,000 $ 43,000 $ 56,000
Merrick, Nebraska 4 $ 261,000 $ 65,250 $ 42,000
Morrill, Nebraska 4 $ 188,000 $ 47,000 $ 17,000
Sheridan, Nebraska 4 $ 205,000 $ 51,250 $ 44,000
Washoe, Nevada 4 $ 1,015,000 $ 253,750 $ 0
Bergen, New Jersey 4 $ 1,541,000 $ 385,250 $ 223,000
Burlington, New Jersey 4 $ 894,000 $ 223,500 $ 41,000
Hudson, New Jersey 4 $ 930,000 $ 232,500 $ 76,000
Monmouth, New Jersey 4 $ 949,000 $ 237,250 $ 78,000
Morris, New Jersey 4 $ 1,254,000 $ 313,500 $ 0
Ocean, New Jersey 4 $ 773,000 $ 193,250 $ 22,000
Union, North Carolina 4 $ 955,000 $ 238,750 $ 67,000
Butler, Ohio 4 $ 1,002,000 $ 250,500 $ 0
Licking, Ohio 4 $ 760,000 $ 190,000 $ 42,000
Alfalfa, Oklahoma 4 $ 183,000 $ 45,750 $ 17,000
Grady, Oklahoma 4 $ 402,000 $ 100,500 $ 76,000
Latimer, Oklahoma 4 $ 277,000 $ 69,250 $ 29,000
Muskogee, Oklahoma 4 $ 383,000 $ 95,750 $ 46,000
Okmulgee, Oklahoma 4 $ 299,000 $ 74,750 $ 39,000
Pawnee, Oklahoma 4 $ 124,000 $ 31,000 $ 33,000
Deschutes, Oregon 4 $ 734,000 $ 183,500 $ 159,000
York, Pennsylvania 4 $ 859,000 $ 214,750 $ 0
Beaufort, South Carolina 4 $ 605,000 $ 151,250 $ 56,000
Spartanburg, South Carolina 4 $ 708,000 $ 177,000 $ 47,000
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Mortgage Loan Application Detail Totals for Commercial Federal Bank in 2004

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 11,873 $1,779,535,000 $177,000 $92,000,000 $37,020 $1,400,000
Refinancing 9,868 $1,401,955,000 $167,367 $3,300,000 $44,673 $1,800,000
Home Improvement 2,019 $55,861,000 $112,272 $400,000 $55,090 $382,000

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 13,497 $1,512,439,000 $163,800 $2,325,000 $74,420 $1,584,000
Not applicable 7,104 $1,375,222,000 $186,632 $92,000,000 $8,918 $1,800,000
Hispanic 1,389 $147,605,000 $152,969 $2,513,000 $61,636 $750,000
Not Provided 690 $62,573,000 $137,833 $825,000 $65,500 $1,076,000
Black or African American 607 $67,510,000 $142,794 $834,000 $61,823 $1,400,000
Asian 335 $55,932,000 $181,258 $646,000 $69,096 $576,000
American Indian or Alaskan Native 99 $11,173,000 $128,500 $477,000 $60,500 $382,000
Native Hawaiian or Other Pacific Islander 39 $4,897,000 $151,142 $304,000 $47,214 $165,000

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) 18,026 $2,558,870,000 $177,877 $92,000,000 $44,102 $1,800,000
FHA-insured (Federal Housing Administration) 4,310 $538,679,000 $137,157 $461,000 $23,105 $750,000
VA-guaranteed (Veterans Administration) 857 $100,620,000 $132,413 $317,000 $31,206 $150,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 567 $39,182,000 $86,923 $201,000 $30,230 $101,000

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 12,136 $1,415,061,000 $160,166 $3,300,000 $74,791 $1,800,000
Loan Purchased By The Institution 7,029 $1,211,939,000 $180,125 $650,000 $7,541 $553,000
Application Denied By Financial Institution 1,793 $212,885,000 $154,829 $54,750,000 $57,341 $826,000
Application Approved But Not Accepted 1,174 $127,683,000 $161,833 $1,000,000 $82,000 $650,000
Preapproval Denied by Financial Institution 1,003 $92,898,000 $92,000 $750,000 $36,000 $750,000
Application Withdrawn By Applicant 623 $176,841,000 $201,650 $92,000,000 $66,950 $380,000
Preapproval Approved but not Accepted 2 $44,000 $22,000 $23,000 $31,000 $36,000
File Closed For Incompleteness 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
Credit History 1,433 $112,973,000 $155,257 $600,000 $66,314 $750,000
Debt-To-Income Ratio 882 $82,928,000 $145,064 $900,000 $43,548 $240,000
Other 212 $29,387,000 $174,962 $949,000 $74,148 $689,000
Collateral 130 $12,943,000 $111,958 $650,000 $52,333 $826,000
Employment History 78 $4,433,000 $71,750 $228,000 $34,500 $103,000
Credit Application Incomplete 23 $3,185,000 $153,846 $300,000 $61,461 $150,000
Unverifiable Information 21 $3,301,000 $166,444 $660,000 $55,555 $164,000
Insufficient Cash (Downpayment, Closing Cost) 17 $56,633,000 $2,727,714 $54,750,000 $48,285 $95,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Federal Bank's 2004 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 Commercial Federal Bank'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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