Commercial Federal Bank Mortgage Lending & HMDA Data, 2003

In 2003, Commercial Federal Bank of Omaha, NE reported 51,277 mortgage applications totaling $7.3 billion. The average application was for $143,236, and applicants reported an average income of $68,167. 55% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Omaha, NE-IA (5,300), Denver, CO (3,849) and Wichita, KS (3,343) (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 51,277
Total Mortgage Loan Application Amount $7,344,722,000
Average Mortgage Loan Application Amount $143,236
Highest Mortgage Loan Application Amount $5,285,000
Average Applicant Income $68,167
Highest Applicant Income $2,400,000

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(HMDA) records Commercial Federal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Douglas, Nebraska 3,951 $ 414,716,000 $ 104,964 $ 50,000
Sedgwick, Kansas 2,767 $ 269,470,000 $ 97,387 $ 49,000
Lancaster, Nebraska 1,497 $ 141,949,000 $ 94,822 $ 51,000
Pima, Arizona 1,485 $ 206,764,000 $ 139,235 $ 65,000
Middlesex, Massachusetts 1,484 $ 424,787,000 $ 286,244 $ 106,000
Polk, Iowa 1,180 $ 134,069,000 $ 113,617 $ 74,000
Sarpy, Nebraska 1,107 $ 124,676,000 $ 112,625 $ 63,000
Maricopa, Arizona 1,057 $ 144,904,000 $ 137,089 $ 62,000
Jefferson, Colorado 1,011 $ 159,017,000 $ 157,286 $ 63,000
Linn, Iowa 910 $ 98,582,000 $ 108,331 $ 57,000
Arapahoe, Colorado 879 $ 131,505,000 $ 149,607 $ 65,000
Denver, Colorado 837 $ 125,146,000 $ 149,517 $ 59,000
Norfolk, Massachusetts 828 $ 246,195,000 $ 297,336 $ 117,000
Hennepin, Minnesota 750 $ 144,637,000 $ 192,849 $ 85,000
Adams, Colorado 740 $ 107,875,000 $ 145,777 $ 50,000
Fairfax, Virginia 600 $ 159,683,000 $ 266,138 $ 110,000
Johnson, Kansas 599 $ 90,472,000 $ 151,038 $ 81,000
Jackson, Missouri 584 $ 70,622,000 $ 120,928 $ 58,000
Pottawattamie, Iowa 541 $ 56,007,000 $ 103,524 $ 54,000
Essex, Massachusetts 519 $ 133,635,000 $ 257,485 $ 123,000
Larimer, Colorado 446 $ 71,922,000 $ 161,260 $ 67,000
Pulaski, Missouri 426 $ 44,142,000 $ 103,619 $ 56,000
Suffolk, Massachusetts 424 $ 109,015,000 $ 257,110 $ 99,000
Oklahoma, Oklahoma 424 $ 37,819,000 $ 89,195 $ 64,000
Butler, Kansas 420 $ 42,197,000 $ 100,469 $ 57,000
St. Louis, Missouri 405 $ 95,285,000 $ 235,271 $ 85,000
King, Washington 384 $ 98,871,000 $ 257,476 $ 101,000
Douglas, Colorado 382 $ 78,678,000 $ 205,963 $ 85,000
Montgomery, Maryland 378 $ 94,870,000 $ 250,978 $ 103,000
Clark, Nevada 378 $ 53,665,000 $ 141,970 $ 56,000
Tulsa, Oklahoma 357 $ 34,575,000 $ 96,848 $ 60,000
Garfield, Oklahoma 353 $ 26,399,000 $ 74,784 $ 44,000
Johnson, Iowa 341 $ 45,429,000 $ 133,222 $ 70,000
Lincoln, Nebraska 338 $ 27,716,000 $ 82,000 $ 50,000
Oakland, Michigan 326 $ 71,938,000 $ 220,668 $ 91,000
Cook, Illinois 295 $ 72,005,000 $ 244,084 $ 75,000
Boulder, Colorado 290 $ 51,971,000 $ 179,210 $ 69,000
Ford, Kansas 289 $ 25,915,000 $ 89,671 $ 48,000
Cobb, Georgia 279 $ 49,728,000 $ 178,236 $ 102,000
Weld, Colorado 277 $ 40,092,000 $ 144,736 $ 50,000
Buffalo, Nebraska 266 $ 24,077,000 $ 90,515 $ 62,000
Boone, Iowa 256 $ 18,220,000 $ 71,171 $ 50,000
Worcester, Massachusetts 246 $ 58,642,000 $ 238,382 $ 95,000
Platte, Nebraska 244 $ 17,095,000 $ 70,061 $ 51,000
Dakota, Minnesota 241 $ 46,522,000 $ 193,037 $ 84,000
Plymouth, Massachusetts 239 $ 64,720,000 $ 270,794 $ 112,000
Clay, Missouri 237 $ 27,190,000 $ 114,725 $ 55,000
Fulton, Georgia 225 $ 51,827,000 $ 230,342 $ 119,000
Kay, Oklahoma 223 $ 13,200,000 $ 59,192 $ 46,000
Salt Lake, Utah 217 $ 29,371,000 $ 135,350 $ 43,000
Ramsey, Minnesota 200 $ 33,719,000 $ 168,595 $ 65,000
York, Maine 183 $ 29,905,000 $ 163,415 $ 112,000
El Paso, Colorado 177 $ 28,844,000 $ 162,960 $ 53,000
Anoka, Minnesota 177 $ 30,088,000 $ 169,988 $ 53,000
Wayne, Michigan 174 $ 28,081,000 $ 161,385 $ 65,000
Cowley, Kansas 173 $ 11,886,000 $ 68,705 $ 56,000
Madison, Nebraska 171 $ 11,520,000 $ 67,368 $ 42,000
Hall, Nebraska 166 $ 11,934,000 $ 71,891 $ 42,000
Franklin, Kansas 165 $ 11,285,000 $ 68,393 $ 46,000
Sumner, Kansas 165 $ 13,728,000 $ 83,200 $ 55,000
Dallas, Iowa 164 $ 24,165,000 $ 147,347 $ 86,000
Harvey, Kansas 156 $ 12,348,000 $ 79,153 $ 53,000
Payne, Oklahoma 156 $ 13,439,000 $ 86,147 $ 68,000
Warren, Iowa 151 $ 16,437,000 $ 108,854 $ 54,000
Pontotoc, Oklahoma 150 $ 10,090,000 $ 67,266 $ 47,000
Black Hawk, Iowa 148 $ 16,642,000 $ 112,445 $ 75,000
Pittsburg, Oklahoma 146 $ 14,506,000 $ 99,356 $ 71,000
Adams, Nebraska 142 $ 11,159,000 $ 78,584 $ 39,000
Cleveland, Oklahoma 142 $ 11,996,000 $ 84,478 $ 69,000
Loudoun, Virginia 138 $ 36,403,000 $ 263,789 $ 103,000
Cass, Nebraska 136 $ 13,956,000 $ 102,617 $ 60,000
Pinal, Arizona 133 $ 18,108,000 $ 136,150 $ 45,000
Jefferson, Alabama 132 $ 20,365,000 $ 154,280 $ 60,000
Dodge, Nebraska 131 $ 10,259,000 $ 78,312 $ 42,000
Geary, Kansas 128 $ 10,678,000 $ 83,421 $ 53,000
Platte, Missouri 128 $ 19,363,000 $ 151,273 $ 74,000
Ellis, Kansas 127 $ 12,440,000 $ 97,952 $ 59,000
Gage, Nebraska 122 $ 7,641,000 $ 62,631 $ 48,000
Saline, Kansas 115 $ 12,566,000 $ 109,269 $ 54,000
Dawson, Nebraska 115 $ 7,149,000 $ 62,165 $ 37,000
Bristol, Massachusetts 113 $ 25,589,000 $ 226,451 $ 109,000
Cass, Missouri 113 $ 13,506,000 $ 119,522 $ 71,000
Rockingham, New Hampshire 113 $ 25,165,000 $ 222,699 $ 119,000
Douglas, Kansas 112 $ 19,071,000 $ 170,276 $ 90,000
DeKalb, Georgia 110 $ 22,514,000 $ 204,672 $ 93,000
Harrison, Iowa 110 $ 10,981,000 $ 99,827 $ 48,000
St. Charles, Missouri 110 $ 17,218,000 $ 156,527 $ 59,000
Benton, Washington 110 $ 15,309,000 $ 139,172 $ 69,000
Washington, Minnesota 109 $ 20,378,000 $ 186,954 $ 67,000
Reno, Kansas 107 $ 7,624,000 $ 71,252 $ 36,000
Hillsborough, New Hampshire 107 $ 23,198,000 $ 216,803 $ 99,000
Washington, Nebraska 106 $ 13,585,000 $ 128,160 $ 70,000
Fairfield, Connecticut 104 $ 29,974,000 $ 288,211 $ 154,000
Finney, Kansas 103 $ 8,312,000 $ 80,699 $ 46,000
Mesa, Colorado 101 $ 12,074,000 $ 119,544 $ 50,000
Franklin, Ohio 101 $ 19,974,000 $ 197,762 $ 84,000
Prince William, Virginia 100 $ 24,077,000 $ 240,770 $ 92,000
Hartford, Connecticut 99 $ 25,179,000 $ 254,333 $ 170,000
Gwinnett, Georgia 99 $ 16,401,000 $ 165,666 $ 80,000
Decatur, Iowa 96 $ 6,604,000 $ 68,791 $ 65,000
Carroll, Iowa 91 $ 5,815,000 $ 63,901 $ 56,000
Snohomish, Washington 91 $ 18,965,000 $ 208,406 $ 72,000
Macomb, Michigan 89 $ 12,926,000 $ 145,235 $ 71,000
Scotts Bluff, Nebraska 89 $ 5,502,000 $ 61,820 $ 50,000
Scott, Minnesota 88 $ 19,186,000 $ 218,022 $ 91,000
Otoe, Nebraska 88 $ 7,844,000 $ 89,136 $ 51,000
Marshall, Iowa 87 $ 3,700,000 $ 42,528 $ 48,000
Davis, Utah 84 $ 11,891,000 $ 141,559 $ 47,000
Prince George's, Maryland 83 $ 14,496,000 $ 174,650 $ 76,000
Marion, Indiana 82 $ 9,212,000 $ 112,341 $ 46,000
Buchanan, Iowa 82 $ 8,365,000 $ 102,012 $ 53,000
Jasper, Missouri 81 $ 7,952,000 $ 98,172 $ 59,000
DuPage, Illinois 78 $ 17,559,000 $ 225,115 $ 106,000
Scott, Iowa 78 $ 7,707,000 $ 98,807 $ 61,000
Story, Iowa 78 $ 12,839,000 $ 164,602 $ 50,000
Spokane, Washington 77 $ 7,394,000 $ 96,025 $ 21,000
Mecklenburg, North Carolina 76 $ 15,452,000 $ 203,315 $ 81,000
District of Columbia, District Of Columbia 75 $ 19,399,000 $ 258,653 $ 86,000
Chickasaw, Iowa 72 $ 6,296,000 $ 87,444 $ 41,000
Woodbury, Iowa 71 $ 5,680,000 $ 80,000 $ 44,000
Wright, Minnesota 71 $ 11,716,000 $ 165,014 $ 66,000
Boone, Arkansas 70 $ 6,191,000 $ 88,442 $ 46,000
Howard, Maryland 69 $ 17,075,000 $ 247,463 $ 105,000
Wapello, Iowa 68 $ 2,642,000 $ 38,852 $ 44,000
Hamilton, Ohio 68 $ 12,972,000 $ 190,764 $ 107,000
Wyandotte, Kansas 67 $ 5,438,000 $ 81,164 $ 44,000
Jackson, Oklahoma 67 $ 5,582,000 $ 83,313 $ 61,000
Barnstable, Massachusetts 65 $ 15,021,000 $ 231,092 $ 130,000
Saunders, Nebraska 65 $ 7,486,000 $ 115,169 $ 74,000
Lake, Indiana 64 $ 6,835,000 $ 106,796 $ 46,000
Rogers, Oklahoma 64 $ 7,898,000 $ 123,406 $ 58,000
Washington, Utah 64 $ 8,246,000 $ 128,843 $ 56,000
Carver, Minnesota 63 $ 13,534,000 $ 214,825 $ 76,000
McPherson, Kansas 62 $ 5,699,000 $ 91,919 $ 53,000
Leavenworth, Kansas 61 $ 6,605,000 $ 108,278 $ 70,000
Lake, Illinois 60 $ 16,571,000 $ 276,183 $ 94,000
New Haven, Connecticut 59 $ 11,923,000 $ 202,084 $ 88,000
Benton, Iowa 57 $ 6,349,000 $ 111,385 $ 47,000
Providence, Rhode Island 57 $ 10,670,000 $ 187,192 $ 67,000
Dallas, Texas 57 $ 7,590,000 $ 133,157 $ 67,000
Davis, Iowa 56 $ 3,666,000 $ 65,464 $ 40,000
Marion, Kansas 55 $ 3,796,000 $ 69,018 $ 62,000
Dakota, Nebraska 55 $ 4,137,000 $ 75,218 $ 42,000
Canadian, Oklahoma 55 $ 4,969,000 $ 90,345 $ 66,000
Anne Arundel, Maryland 54 $ 12,503,000 $ 231,537 $ 88,000
Muscogee, Georgia 53 $ 7,996,000 $ 150,867 $ 69,000
Shelby, Alabama 52 $ 8,544,000 $ 164,307 $ 70,000
Shelby, Iowa 52 $ 3,586,000 $ 68,961 $ 44,000
Riley, Kansas 52 $ 5,506,000 $ 105,884 $ 74,000
Lincoln, Oklahoma 51 $ 4,623,000 $ 90,647 $ 47,000
Mitchell, Kansas 50 $ 3,423,000 $ 68,460 $ 46,000
Seminole, Oklahoma 50 $ 2,536,000 $ 50,720 $ 38,000
Madison, Alabama 49 $ 7,585,000 $ 154,795 $ 87,000
Baltimore, Maryland 48 $ 8,215,000 $ 171,145 $ 68,000
Cuyahoga, Ohio 48 $ 6,259,000 $ 130,395 $ 79,000
Jones, Iowa 47 $ 4,667,000 $ 99,297 $ 50,000
Sioux, Iowa 47 $ 4,305,000 $ 91,595 $ 69,000
Washington, Oklahoma 47 $ 3,871,000 $ 82,361 $ 45,000
York, Nebraska 46 $ 3,232,000 $ 70,260 $ 60,000
Wagoner, Oklahoma 46 $ 5,189,000 $ 112,804 $ 54,000
Charleston, South Carolina 45 $ 8,367,000 $ 185,933 $ 79,000
Arlington, Virginia 45 $ 11,971,000 $ 266,022 $ 97,000
Fayette, Iowa 44 $ 3,181,000 $ 72,295 $ 47,000
Jefferson, Missouri 43 $ 5,419,000 $ 126,023 $ 40,000
St. Louis City, Missouri 43 $ 6,117,000 $ 142,255 $ 54,000
Box Butte, Nebraska 43 $ 2,931,000 $ 68,162 $ 54,000
Creek, Oklahoma 43 $ 3,252,000 $ 75,627 $ 59,000
Ouachita, Arkansas 42 $ 4,303,000 $ 102,452 $ 125,000
Sacramento, California 42 $ 9,543,000 $ 227,214 $ 127,000
Montrose, Colorado 42 $ 4,239,000 $ 100,928 $ 46,000
Harper, Kansas 42 $ 2,156,000 $ 51,333 $ 42,000
Henrico, Virginia 42 $ 8,041,000 $ 191,452 $ 87,000
Cherokee, Georgia 40 $ 7,413,000 $ 185,325 $ 76,000
McLeod, Minnesota 40 $ 4,759,000 $ 118,975 $ 53,000
Wake, North Carolina 40 $ 6,937,000 $ 173,425 $ 81,000
Minnehaha, South Dakota 40 $ 5,041,000 $ 126,025 $ 59,000
Frederick, Maryland 39 $ 8,228,000 $ 210,974 $ 75,000
Texas, Missouri 39 $ 3,622,000 $ 92,871 $ 39,000
Osage, Oklahoma 39 $ 2,888,000 $ 74,051 $ 51,000
Barton, Kansas 38 $ 1,884,000 $ 49,578 $ 49,000
Dickinson, Kansas 38 $ 2,738,000 $ 72,052 $ 52,000
Shawnee, Kansas 38 $ 3,373,000 $ 88,763 $ 77,000
Iowa, Iowa 37 $ 4,255,000 $ 115,000 $ 53,000
Weber, Utah 37 $ 4,386,000 $ 118,540 $ 38,000
Placer, California 36 $ 9,296,000 $ 258,222 $ 90,000
Hillsborough, Florida 36 $ 5,099,000 $ 141,638 $ 93,000
Kent, Michigan 36 $ 4,364,000 $ 121,222 $ 59,000
Orange, Florida 35 $ 7,380,000 $ 210,857 $ 76,000
Mills, Iowa 34 $ 4,306,000 $ 126,647 $ 63,000
Cumberland, Maine 34 $ 6,493,000 $ 190,970 $ 129,000
Hamilton, Indiana 33 $ 5,263,000 $ 159,484 $ 92,000
Seward, Kansas 33 $ 2,137,000 $ 64,757 $ 49,000
Cheyenne, Nebraska 33 $ 2,112,000 $ 64,000 $ 40,000
Palm Beach, Florida 32 $ 5,941,000 $ 185,656 $ 129,000
Forsyth, Georgia 32 $ 6,826,000 $ 213,312 $ 121,000
Sherburne, Minnesota 32 $ 5,425,000 $ 169,531 $ 55,000
Seward, Nebraska 32 $ 2,912,000 $ 91,000 $ 53,000
Santa Cruz, Arizona 31 $ 5,911,000 $ 190,677 $ 69,000
Los Angeles, California 31 $ 7,820,000 $ 252,258 $ 96,000
Madison, Iowa 31 $ 4,416,000 $ 142,451 $ 84,000
Newton, Missouri 31 $ 3,340,000 $ 107,741 $ 52,000
Stanton, Nebraska 31 $ 1,767,000 $ 57,000 $ 54,000
Texas, Oklahoma 31 $ 3,076,000 $ 99,225 $ 71,000
Montgomery, Alabama 30 $ 4,367,000 $ 145,566 $ 77,000
Kane, Illinois 30 $ 5,747,000 $ 191,566 $ 72,000
Carter, Oklahoma 30 $ 2,523,000 $ 84,100 $ 74,000
Utah, Utah 30 $ 4,050,000 $ 135,000 $ 41,000
Pierce, Washington 30 $ 5,824,000 $ 194,133 $ 75,000
Ingham, Michigan 29 $ 5,520,000 $ 190,344 $ 101,000
Cuming, Nebraska 29 $ 2,217,000 $ 76,448 $ 56,000
Riverside, California 28 $ 6,384,000 $ 228,000 $ 82,000
Summit, Colorado 28 $ 5,175,000 $ 184,821 $ 174,000
Duval, Florida 28 $ 4,247,000 $ 151,678 $ 70,000
McHenry, Illinois 28 $ 5,672,000 $ 202,571 $ 67,000
Franklin, Washington 28 $ 3,123,000 $ 111,535 $ 49,000
Kitsap, Washington 28 $ 5,028,000 $ 179,571 $ 84,000
Muscatine, Iowa 27 $ 3,281,000 $ 121,518 $ 44,000
Wayne, Nebraska 27 $ 1,907,000 $ 70,629 $ 41,000
Clermont, Ohio 27 $ 4,487,000 $ 166,185 $ 83,000
Richland, South Carolina 27 $ 4,877,000 $ 180,629 $ 66,000
Santa Clara, California 26 $ 10,469,000 $ 402,653 $ 103,000
Pawnee, Kansas 26 $ 1,100,000 $ 42,307 $ 39,000
Polk, Missouri 26 $ 2,329,000 $ 89,576 $ 42,000
Yellowstone, Montana 26 $ 2,622,000 $ 100,846 $ 69,000
Nemaha, Nebraska 26 $ 1,990,000 $ 76,538 $ 58,000
Osage, Kansas 25 $ 2,032,000 $ 81,280 $ 55,000
Phelps, Nebraska 25 $ 1,535,000 $ 61,400 $ 42,000
Delaware, Ohio 25 $ 7,625,000 $ 305,000 $ 170,000
Beaufort, South Carolina 25 $ 4,808,000 $ 192,320 $ 142,000
Pasco, Florida 24 $ 3,736,000 $ 155,666 $ 50,000
Clarke, Georgia 24 $ 3,368,000 $ 140,333 $ 83,000
Will, Illinois 24 $ 4,404,000 $ 183,500 $ 67,000
Washington, Iowa 24 $ 2,965,000 $ 123,541 $ 43,000
Cloud, Kansas 24 $ 1,360,000 $ 56,666 $ 46,000
Harford, Maryland 24 $ 4,607,000 $ 191,958 $ 79,000
Travis, Texas 24 $ 4,801,000 $ 200,041 $ 91,000
Broward, Florida 23 $ 3,395,000 $ 147,608 $ 101,000
Cedar, Iowa 23 $ 2,327,000 $ 101,173 $ 56,000
Meade, Kansas 23 $ 1,240,000 $ 53,913 $ 54,000
Cedar, Nebraska 23 $ 1,370,000 $ 59,565 $ 36,000
Colfax, Nebraska 23 $ 1,478,000 $ 64,260 $ 49,000
Tuscaloosa, Alabama 22 $ 3,454,000 $ 157,000 $ 84,000
Orange, California 22 $ 7,596,000 $ 345,272 $ 136,000
San Diego, California 22 $ 6,342,000 $ 288,272 $ 100,000
Livingston, Michigan 22 $ 4,721,000 $ 214,590 $ 90,000
Boone, Missouri 22 $ 3,416,000 $ 155,272 $ 81,000
Franklin, Missouri 22 $ 5,071,000 $ 230,500 $ 58,000
Burt, Nebraska 22 $ 1,674,000 $ 76,090 $ 44,000
Keith, Nebraska 22 $ 1,785,000 $ 81,136 $ 51,000
Saline, Nebraska 22 $ 1,444,000 $ 65,636 $ 41,000
Kingfisher, Oklahoma 22 $ 1,573,000 $ 71,500 $ 49,000
Major, Oklahoma 22 $ 1,257,000 $ 57,136 $ 37,000
Greenville, South Carolina 22 $ 3,590,000 $ 163,181 $ 69,000
Tarrant, Texas 22 $ 3,061,000 $ 139,136 $ 55,000
Alexandria, Virginia 22 $ 4,809,000 $ 218,590 $ 88,000
Clark, Washington 22 $ 3,355,000 $ 152,500 $ 64,000
Walla Walla, Washington 22 $ 2,661,000 $ 120,954 $ 70,000
Paulding, Georgia 21 $ 3,238,000 $ 154,190 $ 86,000
Bremer, Iowa 21 $ 2,274,000 $ 108,285 $ 55,000
Page, Iowa 21 $ 1,654,000 $ 78,761 $ 68,000
Kingman, Kansas 21 $ 1,465,000 $ 69,761 $ 74,000
Pierce, Nebraska 21 $ 1,392,000 $ 66,285 $ 60,000
Harris, Texas 21 $ 3,512,000 $ 167,238 $ 105,000
Navajo, Arizona 20 $ 2,855,000 $ 142,750 $ 111,000
St. Clair, Illinois 20 $ 2,574,000 $ 128,700 $ 62,000
Jasper, Iowa 20 $ 1,938,000 $ 96,900 $ 49,000
Morton, Kansas 20 $ 1,474,000 $ 73,700 $ 57,000
Washtenaw, Michigan 20 $ 4,206,000 $ 210,300 $ 85,000
Kearney, Nebraska 20 $ 1,400,000 $ 70,000 $ 49,000
Pottawatomie, Oklahoma 20 $ 1,643,000 $ 82,150 $ 54,000
Multnomah, Oregon 20 $ 3,423,000 $ 171,150 $ 73,000
Allegheny, Pennsylvania 20 $ 3,861,000 $ 193,050 $ 92,000
Yavapai, Arizona 19 $ 2,629,000 $ 138,368 $ 64,000
Contra Costa, California 19 $ 7,592,000 $ 399,578 $ 124,000
Delta, Colorado 19 $ 1,718,000 $ 90,421 $ 45,000
Elbert, Colorado 19 $ 4,089,000 $ 215,210 $ 67,000
Lee, Florida 19 $ 4,128,000 $ 217,263 $ 137,000
Chisago, Minnesota 19 $ 3,879,000 $ 204,157 $ 69,000
Johnson, Missouri 19 $ 2,050,000 $ 107,894 $ 51,000
Howard, Nebraska 19 $ 1,348,000 $ 70,947 $ 42,000
Forsyth, North Carolina 19 $ 2,844,000 $ 149,684 $ 76,000
Union, North Carolina 19 $ 4,027,000 $ 211,947 $ 101,000
Comanche, Oklahoma 19 $ 1,550,000 $ 81,578 $ 84,000
Park, Colorado 18 $ 2,455,000 $ 136,388 $ 56,000
Litchfield, Connecticut 18 $ 3,258,000 $ 181,000 $ 76,000
Hampden, Massachusetts 18 $ 2,563,000 $ 142,388 $ 98,000
Genesee, Michigan 18 $ 2,456,000 $ 136,444 $ 58,000
Stearns, Minnesota 18 $ 2,562,000 $ 142,333 $ 57,000
Jefferson, Nebraska 18 $ 1,051,000 $ 58,388 $ 45,000
Davidson, Tennessee 18 $ 2,398,000 $ 133,222 $ 114,000
Randall, Texas 18 $ 2,158,000 $ 119,888 $ 55,000
Stafford, Virginia 18 $ 4,452,000 $ 247,333 $ 91,000
Cochise, Arizona 17 $ 2,380,000 $ 140,000 $ 71,000
Hall, Georgia 17 $ 2,746,000 $ 161,529 $ 81,000
Cerro Gordo, Iowa 17 $ 2,311,000 $ 135,941 $ 111,000
Butler, Nebraska 17 $ 1,135,000 $ 66,764 $ 35,000
Denton, Texas 17 $ 2,899,000 $ 170,529 $ 73,000
Douglas, Georgia 16 $ 2,426,000 $ 151,625 $ 104,000
Coles, Illinois 16 $ 1,467,000 $ 91,687 $ 54,000
Fremont, Iowa 16 $ 1,602,000 $ 100,125 $ 54,000
Miami, Kansas 16 $ 1,959,000 $ 122,437 $ 52,000
Norton, Kansas 16 $ 938,000 $ 58,625 $ 49,000
Baltimore City, Maryland 16 $ 2,306,000 $ 144,125 $ 71,000
St. Clair, Michigan 16 $ 2,521,000 $ 157,562 $ 75,000
Meeker, Minnesota 16 $ 1,792,000 $ 112,000 $ 59,000
Red Willow, Nebraska 16 $ 924,000 $ 57,750 $ 40,000
Garvin, Oklahoma 16 $ 837,000 $ 52,312 $ 49,000
McIntosh, Oklahoma 16 $ 1,394,000 $ 87,125 $ 55,000
Chester, Pennsylvania 16 $ 4,032,000 $ 252,000 $ 265,000
Virginia Beach, Virginia 16 $ 2,557,000 $ 159,812 $ 52,000
Milwaukee, Wisconsin 16 $ 1,850,000 $ 115,625 $ 59,000
St. Clair, Alabama 15 $ 2,644,000 $ 176,266 $ 109,000
Carroll, Arkansas 15 $ 1,411,000 $ 94,066 $ 46,000
Clear Creek, Colorado 15 $ 2,038,000 $ 135,866 $ 76,000
Henry, Georgia 15 $ 2,405,000 $ 160,333 $ 61,000
Anderson, Kansas 15 $ 1,236,000 $ 82,400 $ 43,000
Sherman, Kansas 15 $ 1,425,000 $ 95,000 $ 50,000
Thomas, Kansas 15 $ 1,196,000 $ 79,733 $ 52,000
Camden, Missouri 15 $ 2,027,000 $ 135,133 $ 105,000
Phelps, Missouri 15 $ 1,604,000 $ 106,933 $ 46,000
Carroll, New Hampshire 15 $ 2,505,000 $ 167,000 $ 132,000
Guilford, North Carolina 15 $ 3,029,000 $ 201,933 $ 90,000
Licking, Ohio 15 $ 2,219,000 $ 147,933 $ 86,000
Mayes, Oklahoma 15 $ 1,533,000 $ 102,200 $ 88,000
Newport, Rhode Island 15 $ 3,219,000 $ 214,600 $ 151,000
Washington, Arkansas 14 $ 1,627,000 $ 116,214 $ 52,000
Alameda, California 14 $ 4,546,000 $ 324,714 $ 117,000
Pinellas, Florida 14 $ 1,606,000 $ 114,714 $ 67,000
Crawford, Kansas 14 $ 814,000 $ 58,142 $ 68,000
Isanti, Minnesota 14 $ 2,219,000 $ 158,500 $ 63,000
Custer, Nebraska 14 $ 884,000 $ 63,142 $ 35,000
Dawes, Nebraska 14 $ 792,000 $ 56,571 $ 38,000
Hamilton, Nebraska 14 $ 904,000 $ 64,571 $ 23,000
Merrick, Nebraska 14 $ 763,000 $ 54,500 $ 29,000
Cabarrus, North Carolina 14 $ 2,241,000 $ 160,071 $ 51,000
Noble, Oklahoma 14 $ 949,000 $ 67,785 $ 74,000
Williamson, Texas 14 $ 2,100,000 $ 150,000 $ 81,000
Eagle, Colorado 13 $ 3,060,000 $ 235,384 $ 150,000
Middlesex, Connecticut 13 $ 2,561,000 $ 197,000 $ 108,000
Tolland, Connecticut 13 $ 2,766,000 $ 212,769 $ 87,000
Brevard, Florida 13 $ 2,386,000 $ 183,538 $ 64,000
Manatee, Florida 13 $ 3,061,000 $ 235,461 $ 80,000
Champaign, Illinois 13 $ 1,550,000 $ 119,230 $ 96,000
Hendricks, Indiana 13 $ 1,688,000 $ 129,846 $ 43,000
Hamilton, Iowa 13 $ 1,048,000 $ 80,615 $ 46,000
Lyon, Iowa 13 $ 884,000 $ 68,000 $ 58,000
Edwards, Kansas 13 $ 367,000 $ 28,230 $ 41,000
Gray, Kansas 13 $ 1,286,000 $ 98,923 $ 49,000
Jefferson, Kansas 13 $ 1,355,000 $ 104,230 $ 62,000
Olmsted, Minnesota 13 $ 2,103,000 $ 161,769 $ 62,000
Grady, Oklahoma 13 $ 1,494,000 $ 114,923 $ 58,000
Nowata, Oklahoma 13 $ 1,345,000 $ 103,461 $ 60,000
Collin, Texas 13 $ 2,109,000 $ 162,230 $ 82,000
New London, Connecticut 12 $ 2,386,000 $ 198,833 $ 88,000
Glynn, Georgia 12 $ 3,632,000 $ 302,666 $ 191,000
Montgomery, Iowa 12 $ 1,093,000 $ 91,083 $ 48,000
Ringgold, Iowa 12 $ 843,000 $ 70,250 $ 48,000
Tama, Iowa 12 $ 553,000 $ 46,083 $ 51,000
Pottawatomie, Kansas 12 $ 1,096,000 $ 91,333 $ 43,000
Calvert, Maryland 12 $ 2,274,000 $ 189,500 $ 101,000
Carroll, Maryland 12 $ 2,885,000 $ 240,416 $ 96,000
Strafford, New Hampshire 12 $ 2,178,000 $ 181,500 $ 80,000
Bernalillo, New Mexico 12 $ 1,569,000 $ 130,750 $ 87,000
Okmulgee, Oklahoma 12 $ 955,000 $ 79,583 $ 38,000
Washington, Oregon 12 $ 2,341,000 $ 195,083 $ 81,000
Berkeley, South Carolina 12 $ 2,513,000 $ 209,416 $ 92,000
York, South Carolina 12 $ 1,902,000 $ 158,500 $ 87,000
Fairfax City, Virginia 12 $ 3,259,000 $ 271,583 $ 112,000
Pueblo, Colorado 11 $ 1,426,000 $ 129,636 $ 51,000
Collier, Florida 11 $ 1,721,000 $ 156,454 $ 93,000
Escambia, Florida 11 $ 1,288,000 $ 117,090 $ 58,000
Sarasota, Florida 11 $ 2,188,000 $ 198,909 $ 97,000
Barrow, Georgia 11 $ 1,654,000 $ 150,363 $ 56,000
Fayette, Georgia 11 $ 1,899,000 $ 172,636 $ 100,000
Dickinson, Iowa 11 $ 2,068,000 $ 188,000 $ 139,000
Marion, Iowa 11 $ 1,148,000 $ 104,363 $ 62,000
Allen, Kansas 11 $ 925,000 $ 84,090 $ 51,000
Berkshire, Massachusetts 11 $ 2,561,000 $ 232,818 $ 118,000
Greene, Missouri 11 $ 1,399,000 $ 127,181 $ 54,000
Clay, Nebraska 11 $ 629,000 $ 57,181 $ 39,000
Dixon, Nebraska 11 $ 614,000 $ 55,818 $ 46,000
Johnson, Nebraska 11 $ 718,000 $ 65,272 $ 40,000
Polk, Nebraska 11 $ 613,000 $ 55,727 $ 48,000
Richardson, Nebraska 11 $ 396,000 $ 36,000 $ 41,000
Thurston, Nebraska 11 $ 659,000 $ 59,909 $ 62,000
McClain, Oklahoma 11 $ 1,001,000 $ 91,000 $ 45,000
Bristol, Rhode Island 11 $ 2,613,000 $ 237,545 $ 107,000
Horry, South Carolina 11 $ 1,813,000 $ 164,818 $ 88,000
Bexar, Texas 11 $ 1,799,000 $ 163,545 $ 65,000
Baldwin, Alabama 10 $ 1,708,000 $ 170,800 $ 75,000
Coconino, Arizona 10 $ 1,811,000 $ 181,100 $ 79,000
Benton, Arkansas 10 $ 1,106,000 $ 110,600 $ 54,000
Grand, Colorado 10 $ 1,618,000 $ 161,800 $ 105,000
Harris, Georgia 10 $ 1,804,000 $ 180,400 $ 82,000
Madison, Illinois 10 $ 1,286,000 $ 128,600 $ 61,000
Guthrie, Iowa 10 $ 1,205,000 $ 120,500 $ 124,000
Mahaska, Iowa 10 $ 360,000 $ 36,000 $ 43,000
Poweshiek, Iowa 10 $ 1,292,000 $ 129,200 $ 86,000
Labette, Kansas 10 $ 688,000 $ 68,800 $ 48,000
Montgomery, Kansas 10 $ 698,000 $ 69,800 $ 45,000
Lapeer, Michigan 10 $ 1,292,000 $ 129,200 $ 59,000
Rice, Minnesota 10 $ 1,467,000 $ 146,700 $ 53,000
Sibley, Minnesota 10 $ 716,000 $ 71,600 $ 38,000
Logan, Oklahoma 10 $ 1,030,000 $ 103,000 $ 78,000
York, Pennsylvania 10 $ 1,835,000 $ 183,500 $ 204,000
Montgomery, Texas 10 $ 1,997,000 $ 199,700 $ 85,000
Tooele, Utah 10 $ 1,166,000 $ 116,600 $ 33,000
St. Croix, Wisconsin 10 $ 1,791,000 $ 179,100 $ 58,000
Newton, Arkansas 9 $ 784,000 $ 87,111 $ 67,000
San Bernardino, California 9 $ 1,621,000 $ 180,111 $ 99,000
Miami-Dade, Florida 9 $ 1,629,000 $ 181,000 $ 66,000
Walton, Florida 9 $ 2,325,000 $ 258,333 $ 231,000
Coweta, Georgia 9 $ 1,452,000 $ 161,333 $ 69,000
Dougherty, Georgia 9 $ 1,010,000 $ 112,222 $ 93,000
Houston, Georgia 9 $ 1,504,000 $ 167,111 $ 91,000
Bannock, Idaho 9 $ 1,132,000 $ 125,777 $ 75,000
Kendall, Illinois 9 $ 1,409,000 $ 156,555 $ 45,000
Cass, Iowa 9 $ 695,000 $ 77,222 $ 50,000
Delaware, Iowa 9 $ 699,000 $ 77,666 $ 55,000
Pocahontas, Iowa 9 $ 569,000 $ 63,222 $ 46,000
Clay, Kansas 9 $ 748,000 $ 83,111 $ 49,000
Rice, Kansas 9 $ 111,000 $ 12,333 $ 30,000
Norman, Minnesota 9 $ 603,000 $ 67,000 $ 58,000
Knox, Nebraska 9 $ 500,000 $ 55,555 $ 54,000
Nance, Nebraska 9 $ 477,000 $ 53,000 $ 45,000
Merrimack, New Hampshire 9 $ 1,592,000 $ 176,888 $ 103,000
Monmouth, New Jersey 9 $ 1,911,000 $ 212,333 $ 104,000
Durham, North Carolina 9 $ 1,331,000 $ 147,888 $ 46,000
Muskogee, Oklahoma 9 $ 800,000 $ 88,888 $ 37,000
Lackawanna, Pennsylvania 9 $ 1,150,000 $ 127,777 $ 56,000
Washington, Rhode Island 9 $ 2,555,000 $ 283,888 $ 122,000
Williamson, Tennessee 9 $ 2,402,000 $ 266,888 $ 92,000
Chesterfield, Virginia 9 $ 1,299,000 $ 144,333 $ 53,000
Limestone, Alabama 8 $ 945,000 $ 118,125 $ 67,000
Mohave, Arizona 8 $ 849,000 $ 106,125 $ 66,000
San Joaquin, California 8 $ 2,536,000 $ 317,000 $ 137,000
Clayton, Georgia 8 $ 1,805,000 $ 225,625 $ 173,000
Columbia, Georgia 8 $ 1,157,000 $ 144,625 $ 89,000
Johnson, Indiana 8 $ 991,000 $ 123,875 $ 50,000
Adair, Iowa 8 $ 586,000 $ 73,250 $ 46,000
Des Moines, Iowa 8 $ 534,000 $ 66,750 $ 36,000
Hardin, Iowa 8 $ 517,000 $ 64,625 $ 41,000
Haskell, Kansas 8 $ 641,000 $ 80,125 $ 84,000
Lyon, Kansas 8 $ 607,000 $ 75,875 $ 43,000
Brown, Minnesota 8 $ 1,002,000 $ 125,250 $ 50,000
Crow Wing, Minnesota 8 $ 2,545,000 $ 318,125 $ 157,000
Clinton, Missouri 8 $ 770,000 $ 96,250 $ 47,000
Stone, Missouri 8 $ 761,000 $ 95,125 $ 53,000
Taney, Missouri 8 $ 648,000 $ 81,000 $ 113,000
Cherry, Nebraska 8 $ 473,000 $ 59,125 $ 28,000
Holt, Nebraska 8 $ 617,000 $ 77,125 $ 51,000
Belknap, New Hampshire 8 $ 1,667,000 $ 208,375 $ 128,000
Gaston, North Carolina 8 $ 1,129,000 $ 141,125 $ 78,000
Butler, Ohio 8 $ 1,676,000 $ 209,500 $ 93,000
Fairfield, Ohio 8 $ 1,278,000 $ 159,750 $ 71,000
Union, Ohio 8 $ 1,186,000 $ 148,250 $ 78,000
Coal, Oklahoma 8 $ 487,000 $ 60,875 $ 37,000
Montgomery, Pennsylvania 8 $ 1,508,000 $ 188,500 $ 94,000
Kent, Rhode Island 8 $ 1,454,000 $ 181,750 $ 75,000
Dorchester, South Carolina 8 $ 1,085,000 $ 135,625 $ 63,000
Rutherford, Tennessee 8 $ 1,022,000 $ 127,750 $ 74,000
Thurston, Washington 8 $ 1,291,000 $ 161,375 $ 51,000
Braxton, West Virginia 8 $ 682,000 $ 85,250 $ 27,000
Kanawha, West Virginia 8 $ 752,000 $ 94,000 $ 66,000
Lee, Alabama 7 $ 904,000 $ 129,142 $ 72,000
Gila, Arizona 7 $ 1,064,000 $ 152,000 $ 64,000
Bradley, Arkansas 7 $ 629,000 $ 89,857 $ 15,000
Volusia, Florida 7 $ 797,000 $ 113,857 $ 71,000
Carroll, Georgia 7 $ 1,092,000 $ 156,000 $ 79,000
Chatham, Georgia 7 $ 860,000 $ 122,857 $ 92,000
Lee, Georgia 7 $ 891,000 $ 127,285 $ 63,000
Rock Island, Illinois 7 $ 724,000 $ 103,428 $ 76,000
Clarke, Iowa 7 $ 630,000 $ 90,000 $ 86,000
Dubuque, Iowa 7 $ 479,000 $ 68,428 $ 42,000
Howard, Iowa 7 $ 634,000 $ 90,571 $ 66,000
Union, Iowa 7 $ 514,000 $ 73,428 $ 59,000
Barber, Kansas 7 $ 276,000 $ 39,428 $ 53,000
Clark, Kansas 7 $ 613,000 $ 87,571 $ 63,000
Neosho, Kansas 7 $ 331,000 $ 47,285 $ 50,000
Ottawa, Kansas 7 $ 928,000 $ 132,571 $ 57,000
Charles, Maryland 7 $ 1,336,000 $ 190,857 $ 64,000
St. Mary's, Maryland 7 $ 1,582,000 $ 226,000 $ 114,000
Clinton, Michigan 7 $ 1,129,000 $ 161,285 $ 86,000
Eaton, Michigan 7 $ 794,000 $ 113,428 $ 76,000
Ottawa, Michigan 7 $ 879,000 $ 125,571 $ 53,000
Callaway, Missouri 7 $ 938,000 $ 134,000 $ 47,000
Cape Girardeau, Missouri 7 $ 681,000 $ 97,285 $ 50,000
Harrison, Missouri 7 $ 570,000 $ 81,428 $ 47,000
Hickory, Missouri 7 $ 446,000 $ 63,714 $ 53,000
Morgan, Missouri 7 $ 869,000 $ 124,142 $ 133,000
Antelope, Nebraska 7 $ 399,000 $ 57,000 $ 43,000
Brown, Nebraska 7 $ 283,000 $ 40,428 $ 61,000
Fillmore, Nebraska 7 $ 410,000 $ 58,571 $ 55,000
Morrill, Nebraska 7 $ 346,000 $ 49,428 $ 40,000
Hudson, New Jersey 7 $ 1,450,000 $ 207,142 $ 122,000
Middlesex, New Jersey 7 $ 1,288,000 $ 184,000 $ 78,000
Montgomery, Ohio 7 $ 1,265,000 $ 180,714 $ 101,000
Summit, Ohio 7 $ 1,164,000 $ 166,285 $ 58,000
Warren, Ohio 7 $ 1,571,000 $ 224,428 $ 117,000
Grant, Oklahoma 7 $ 510,000 $ 72,857 $ 49,000
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Mortgage Loan Application Detail Totals for Commercial Federal Bank in 2003

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 (home purchase or home improvement, one-to-four family) 35,285 $5,408,193,000 $164,980 $1,500,000 $81,500 $2,042,000
Home Purchase (one-to-four family) 13,240 $1,863,795,000 $166,979 $2,334,000 $81,122 $2,400,000
Home Improvement (one-to-four family) 2,719 $57,219,000 $18,700 $795,000 $60,600 $532,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 33 $15,515,000 $399,166 $5,285,000 $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 43,484 $6,126,949,000 $164,000 $1,500,000 $83,840 $2,400,000
Hispanic 2,558 $283,924,000 $142,026 $822,000 $55,578 $736,000
Asian or Pacific Islander 2,279 $532,628,000 $187,820 $1,000,000 $88,666 $708,000
Black 1,147 $141,805,000 $138,972 $2,334,000 $63,611 $1,147,000
Information not provided by applicant in mail or telephone application 841 $94,061,000 $156,025 $833,000 $87,205 $600,000
Not applicable 604 $118,246,000 $174,250 $5,285,000 $67,300 $763,000
Other 235 $31,179,000 $157,200 $390,000 $68,880 $435,000
American Indian or Alaskan Native 129 $15,930,000 $165,500 $450,000 $59,727 $252,000

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) 41,535 $6,257,394,000 $170,460 $5,285,000 $89,200 $2,400,000
FHA-insured (Federal Housing Administration) 6,619 $768,765,000 $118,974 $422,000 $33,923 $600,000
VA-guaranteed (Veterans Administration) 2,526 $280,168,000 $121,305 $312,000 $46,833 $648,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 597 $38,395,000 $88,727 $180,000 $38,818 $102,000

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 28,019 $3,713,445,000 $167,840 $5,285,000 $93,840 $2,114,000
Loan Purchased By The Institution 16,770 $2,858,565,000 $166,897 $1,000,000 $73,775 $2,400,000
Application Withdrawn By Applicant 2,599 $423,166,000 $172,372 $1,500,000 $76,837 $2,042,000
Application Denied By Financial Institution 2,512 $221,083,000 $160,619 $1,000,000 $78,738 $1,147,000
Application Approved But Not Accepted 1,376 $128,200,000 $138,448 $688,000 $79,551 $993,000
File Closed For Incompleteness 1 $263,000 $263,000 $263,000 $120,000 $120,000

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 1,129 $80,169,000 $149,357 $780,000 $72,285 $1,147,000
Debt-To-Income Ratio 867 $82,172,000 $183,866 $800,000 $69,200 $384,000
Other 197 $17,939,000 $151,466 $600,000 $87,400 $599,000
Collateral 131 $13,954,000 $121,411 $456,000 $62,882 $210,000
Employment History 72 $4,455,000 $105,230 $299,000 $47,846 $190,000
Credit Application Incomplete 56 $11,120,000 $179,318 $1,000,000 $91,500 $396,000
Unverifiable Information 36 $8,160,000 $202,000 $608,000 $64,285 $267,000
Insufficient Cash (Downpayment, Closing Cost) 24 $3,114,000 $130,222 $301,000 $55,555 $148,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Federal Bank's 2003 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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