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(HMDA) records Commercial Federal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Omaha-Council Bluffs, NE-IA | 2,604 | $ 364,457,000 | $ 139,960 | $ 48,000 |
| Denver-Aurora, CO | 1,932 | $ 313,691,000 | $ 162,365 | $ 52,000 |
| Wichita, KS | 1,461 | $ 140,032,000 | $ 95,846 | $ 50,000 |
| Des Moines, IA | 832 | $ 91,344,000 | $ 109,788 | $ 51,000 |
| Lincoln, NE | 706 | $ 67,297,000 | $ 95,321 | $ 42,000 |
| Tucson, AZ | 654 | $ 99,849,000 | $ 152,674 | $ 75,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 631 | $ 127,562,000 | $ 202,158 | $ 35,000 |
| Kansas City, MO-KS | 492 | $ 62,102,000 | $ 126,223 | $ 49,000 |
| Atlanta-Sandy Springs-Marietta, GA | 459 | $ 83,491,000 | $ 181,897 | $ 37,000 |
| Cedar Rapids, IA | 457 | $ 46,213,000 | $ 101,122 | $ 46,000 |
| Oklahoma City, OK | 451 | $ 40,145,000 | $ 89,013 | $ 56,000 |
| Phoenix-Mesa-Scottsdale, AZ | 350 | $ 56,083,000 | $ 160,237 | $ 44,000 |
| St. Louis, MO-IL | 261 | $ 39,443,000 | $ 151,122 | $ 27,000 |
| Tulsa, OK | 255 | $ 24,881,000 | $ 97,572 | $ 49,000 |
| Dallas-Plano-Irving, TX | 224 | $ 35,089,000 | $ 156,647 | $ 37,000 |
| Fort Collins-Loveland, CO | 172 | $ 29,385,000 | $ 170,843 | $ 54,000 |
| Chicago-Naperville-Joliet, IL | 164 | $ 34,376,000 | $ 209,609 | $ 34,000 |
| Greeley, CO | 159 | $ 24,746,000 | $ 155,635 | $ 49,000 |
| Tampa-St. Petersburg-Clearwater, FL | 156 | $ 23,561,000 | $ 151,032 | $ 30,000 |
| Boston-Quincy, MA | 146 | $ 41,145,000 | $ 281,815 | $ 47,000 |
| Iowa City, IA | 144 | $ 75,122,000 | $ 521,680 | $ 43,000 |
| Warren-Farmington Hills-Troy, MI | 140 | $ 26,131,000 | $ 186,650 | $ 56,000 |
| Houston-Baytown-Sugar Land, TX | 132 | $ 24,045,000 | $ 182,159 | $ 24,000 |
| Cambridge-Newton-Framingham, MA | 128 | $ 34,689,000 | $ 271,007 | $ 70,000 |
| Las Vegas-Paradise, NV | 118 | $ 23,237,000 | $ 196,923 | $ 50,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 116 | $ 32,229,000 | $ 277,836 | $ 46,000 |
| Boulder, CO | 114 | $ 21,249,000 | $ 186,394 | $ 54,000 |
| Baltimore-Towson, MD | 96 | $ 24,063,000 | $ 250,656 | $ 61,000 |
| Seattle-Bellevue-Everett, WA | 90 | $ 19,920,000 | $ 221,333 | $ 42,000 |
| Fort Worth-Arlington, TX | 88 | $ 15,495,000 | $ 176,079 | $ 96,000 |
| Salt Lake City, UT | 78 | $ 11,345,000 | $ 145,448 | $ 14,000 |
| Bethesda-Frederick-Gaithersburg, MD | 74 | $ 20,390,000 | $ 275,540 | $ 58,000 |
| Orlando, FL | 71 | $ 13,542,000 | $ 190,732 | $ 32,000 |
| Philadelphia, PA | 70 | $ 16,581,000 | $ 236,871 | $ 45,000 |
| Riverside-San Bernardino-Ontario, CA | 69 | $ 19,317,000 | $ 279,956 | $ 34,000 |
| Joplin, MO | 64 | $ 6,478,000 | $ 101,218 | $ 30,000 |
| Kennewick-Richland-Pasco, WA | 63 | $ 7,305,000 | $ 115,952 | $ 25,000 |
| Colorado Springs, CO | 62 | $ 10,434,000 | $ 168,290 | $ 31,000 |
| Waterloo-Cedar Falls, IA | 60 | $ 7,117,000 | $ 118,616 | $ 27,000 |
| Essex County, MA | 59 | $ 15,230,000 | $ 258,135 | $ 35,000 |
| Sarasota-Bradenton-Venice, FL | 59 | $ 12,818,000 | $ 217,254 | $ 50,000 |
| Austin-Round Rock, TX | 57 | $ 11,178,000 | $ 196,105 | $ 19,000 |
| Detroit-Livonia-Dearborn, MI | 53 | $ 7,137,000 | $ 134,660 | $ 36,000 |
| Portland-South Portland-Biddeford, ME | 51 | $ 9,431,000 | $ 184,921 | $ 35,000 |
| Indianapolis, IN | 50 | $ 7,135,000 | $ 142,700 | $ 30,000 |
| Sioux Falls, SD | 47 | $ 5,910,000 | $ 125,744 | $ 40,000 |
| Columbus, OH | 46 | $ 7,167,000 | $ 155,804 | $ 35,000 |
| Worcester, MA | 45 | $ 10,859,000 | $ 241,311 | $ 48,000 |
| Palm Bay-Melbourne-Titusville, FL | 44 | $ 7,309,000 | $ 166,113 | $ 24,000 |
| Ames, IA | 43 | $ 4,644,000 | $ 108,000 | $ 49,000 |
| Sioux City, IA-NE-SD | 41 | $ 2,346,000 | $ 57,219 | $ 37,000 |
| Davenport-Moline-Rock Island, IA-IL | 40 | $ 4,336,000 | $ 108,400 | $ 51,000 |
| Grand Junction, CO | 40 | $ 4,459,000 | $ 111,475 | $ 38,000 |
| Birmingham-Hoover, AL | 39 | $ 6,422,000 | $ 164,666 | $ 61,000 |
| Oakland-Fremont-Hayward, CA | 39 | $ 13,554,000 | $ 347,538 | $ 33,000 |
| Richmond, VA | 37 | $ 7,211,000 | $ 194,891 | $ 38,000 |
| Charleston-North Charleston, SC | 36 | $ 5,879,000 | $ 163,305 | $ 21,000 |
| Lawrence, KS | 36 | $ 7,534,000 | $ 209,277 | $ 108,000 |
| Charlotte-Gastonia-Concord, NC-SC | 35 | $ 5,756,000 | $ 164,457 | $ 47,000 |
| Cleveland-Elyria-Mentor, OH | 34 | $ 5,807,000 | $ 170,794 | $ 41,000 |
| Gary, IN | 34 | $ 4,018,000 | $ 118,176 | $ 19,000 |
| Cincinnati-Middletown, OH-KY-IN | 32 | $ 6,611,000 | $ 206,593 | $ 59,000 |
| Topeka, KS | 32 | $ 2,889,000 | $ 90,281 | $ 46,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 31 | $ 7,259,000 | $ 234,161 | $ 58,000 |
| Provo-Orem, UT | 29 | $ 4,198,000 | $ 144,758 | $ 23,000 |
| Raleigh-Cary, NC | 27 | $ 4,526,000 | $ 167,629 | $ 6,000 |
| Columbus, GA-AL | 26 | $ 4,436,000 | $ 170,615 | $ 28,000 |
| Nashville-Davidson--Murfreesboro, TN | 26 | $ 4,740,000 | $ 182,307 | $ 34,000 |
| Pittsburgh, PA | 26 | $ 5,595,000 | $ 215,192 | $ 31,000 |
| Miami-Miami Beach-Kendall, FL | 25 | $ 4,644,000 | $ 185,760 | $ 46,000 |
| Ogden-Clearfield, UT | 25 | $ 3,393,000 | $ 135,720 | $ 14,000 |
| Lake County-Kenosha County, IL-WI | 24 | $ 5,151,000 | $ 214,625 | $ 47,000 |
| Hartford-West Hartford-East Hartford, CT | 23 | $ 4,488,000 | $ 195,130 | $ 43,000 |
| Jacksonville, FL | 23 | $ 3,656,000 | $ 158,956 | $ 61,000 |
| Providence-New Bedford-Fall River, RI-MA | 23 | $ 4,835,000 | $ 210,217 | $ 62,000 |
| Springfield, MO | 20 | $ 2,457,000 | $ 122,850 | $ 42,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 20 | $ 3,906,000 | $ 195,300 | $ 43,000 |
| Edison, NJ | 18 | $ 4,251,000 | $ 236,166 | $ 57,000 |
| Manchester-Nashua, NH | 18 | $ 3,590,000 | $ 199,444 | $ 46,000 |
| New Haven-Milford, CT | 18 | $ 3,135,000 | $ 174,166 | $ 57,000 |
| Portland-Vancouver-Beaverton, OR-WA | 18 | $ 3,337,000 | $ 185,388 | $ 49,000 |
| Rockingham County-Strafford County, NH | 18 | $ 4,262,000 | $ 236,777 | $ 34,000 |
| Augusta-Richmond County, GA-SC | 17 | $ 2,269,000 | $ 133,470 | $ 25,000 |
| Bridgeport-Stamford-Norwalk, CT | 17 | $ 4,100,000 | $ 241,176 | $ 75,000 |
| Cape Coral-Fort Myers, FL | 17 | $ 4,015,000 | $ 236,176 | $ 119,000 |
| Durham, NC | 17 | $ 4,033,000 | $ 237,235 | $ 39,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 3,375,000 | $ 198,529 | $ 29,000 |
| Billings, MT | 16 | $ 2,296,000 | $ 143,500 | $ 29,000 |
| Columbia, MO | 16 | $ 3,411,000 | $ 213,187 | $ 135,000 |
| Los Angeles-Long Beach-Glendale, CA | 16 | $ 4,977,000 | $ 311,062 | $ 33,000 |
| Savannah, GA | 16 | $ 2,846,000 | $ 177,875 | $ 3,000 |
| Montgomery, AL | 15 | $ 2,287,000 | $ 152,466 | $ 14,000 |
| Albuquerque, NM | 14 | $ 1,639,000 | $ 117,071 | $ 42,000 |
| Camden, NJ | 14 | $ 2,754,000 | $ 196,714 | $ 39,000 |
| Newark-Union, NJ-PA | 14 | $ 3,359,000 | $ 239,928 | $ 53,000 |
| Rochester, MN | 14 | $ 2,252,000 | $ 160,857 | $ 34,000 |
| St. George, UT | 13 | $ 1,782,000 | $ 137,076 | $ 20,000 |
| Wilmington, DE-MD-NJ | 13 | $ 2,365,000 | $ 181,923 | $ 27,000 |
| Flint, MI | 12 | $ 1,784,000 | $ 148,666 | $ 31,000 |
| Tacoma, WA | 12 | $ 1,909,000 | $ 159,083 | $ 20,000 |
| Barnstable Town, MA | 11 | $ 3,018,000 | $ 274,363 | $ 71,000 |
| San Antonio, TX | 11 | $ 1,620,000 | $ 147,272 | $ 23,000 |
| Auburn-Opelika, AL | 10 | $ 1,578,000 | $ 157,800 | $ 21,000 |
| Greenville, SC | 10 | $ 1,552,000 | $ 155,200 | $ 49,000 |
| Killeen-Temple-Fort Hood, TX | 10 | $ 1,271,000 | $ 127,100 | $ 6,000 |
| Madison, WI | 10 | $ 1,935,000 | $ 193,500 | $ 25,000 |
| Naples-Marco Island, FL | 10 | $ 1,877,000 | $ 187,700 | $ 42,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 1,365,000 | $ 151,666 | $ 52,000 |
| New Orleans-Metairie-Kenner, LA | 9 | $ 1,370,000 | $ 152,222 | $ 53,000 |
| Port St. Lucie-Fort Pierce, FL | 9 | $ 1,809,000 | $ 201,000 | $ 28,000 |
| Winston-Salem, NC | 9 | $ 1,301,000 | $ 144,555 | $ 0 |
| Ann Arbor, MI | 8 | $ 1,446,000 | $ 180,750 | $ 78,000 |
| Chattanooga, TN-GA | 8 | $ 1,349,000 | $ 168,625 | $ 8,000 |
| Columbia, SC | 8 | $ 1,664,000 | $ 208,000 | $ 13,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 1,907,000 | $ 238,375 | $ 42,000 |
| Springfield, MA | 8 | $ 1,454,000 | $ 181,750 | $ 72,000 |
| Akron, OH | 7 | $ 1,519,000 | $ 217,000 | $ 28,000 |
| Athens-Clarke County, GA | 7 | $ 982,000 | $ 140,285 | $ 35,000 |
| Baton Rouge, LA | 7 | $ 868,000 | $ 124,000 | $ 33,000 |
| Bremerton-Silverdale, WA | 7 | $ 1,215,000 | $ 173,571 | $ 24,000 |
| Corpus Christi, TX | 7 | $ 1,001,000 | $ 143,000 | $ 71,000 |
| Fresno, CA | 7 | $ 1,479,000 | $ 211,285 | $ 0 |
| Grand Rapids-Wyoming, MI | 7 | $ 1,286,000 | $ 183,714 | $ 26,000 |
| Lexington-Fayette, KY | 7 | $ 914,000 | $ 130,571 | $ 11,000 |
| Little Rock-North Little Rock, AR | 7 | $ 954,000 | $ 136,285 | $ 36,000 |
| San Diego-Carlsbad-San Marcos, CA | 7 | $ 2,272,000 | $ 324,571 | $ 53,000 |
| Santa Ana-Anaheim-Irvine, CA | 7 | $ 2,534,000 | $ 362,000 | $ 29,000 |
| St. Cloud, MN | 7 | $ 987,000 | $ 141,000 | $ 16,000 |
| St. Joseph, MO-KS | 7 | $ 768,000 | $ 109,714 | $ 33,000 |
| Yuba City, CA | 7 | $ 1,704,000 | $ 243,428 | $ 34,000 |
| Greensboro-High Point, NC | 6 | $ 1,126,000 | $ 187,666 | $ 33,000 |
| Lawton, OK | 6 | $ 355,000 | $ 59,166 | $ 45,000 |
| Monroe, MI | 6 | $ 784,000 | $ 130,666 | $ 31,000 |
| Ocala, FL | 6 | $ 936,000 | $ 156,000 | $ 57,000 |
| Prescott, AZ | 6 | $ 898,000 | $ 149,666 | $ 28,000 |
| Pueblo, CO | 6 | $ 776,000 | $ 129,333 | $ 44,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 1,869,000 | $ 311,500 | $ 53,000 |
| Amarillo, TX | 5 | $ 416,000 | $ 83,200 | $ 8,000 |
| Charleston, WV | 5 | $ 585,000 | $ 117,000 | $ 22,000 |
| Dayton, OH | 5 | $ 874,000 | $ 174,800 | $ 8,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 871,000 | $ 174,200 | $ 26,000 |
| Flagstaff, AZ | 5 | $ 854,000 | $ 170,800 | $ 30,000 |
| Gainesville, GA | 5 | $ 794,000 | $ 158,800 | $ 10,000 |
| Huntsville, AL | 5 | $ 937,000 | $ 187,400 | $ 75,000 |
| Jefferson City, MO | 5 | $ 432,000 | $ 86,400 | $ 31,000 |
| Lansing-East Lansing, MI | 5 | $ 830,000 | $ 166,000 | $ 0 |
| New York-Wayne-White Plains, NY-NJ | 5 | $ 1,606,000 | $ 321,200 | $ 27,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 886,000 | $ 177,200 | $ 43,000 |
| Tuscaloosa, AL | 5 | $ 783,000 | $ 156,600 | $ 38,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,393,000 | $ 278,600 | $ 69,000 |
| Warner Robins, GA | 5 | $ 546,000 | $ 109,200 | $ 8,000 |
| Bakersfield, CA | 4 | $ 917,000 | $ 229,250 | $ 55,000 |
| Bend, OR | 4 | $ 734,000 | $ 183,500 | $ 159,000 |
| Brunswick, GA | 4 | $ 807,000 | $ 201,750 | $ 13,000 |
| Champaign-Urbana, IL | 4 | $ 686,000 | $ 171,500 | $ 28,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 746,000 | $ 186,500 | $ 30,000 |
| Lakeland, FL | 4 | $ 525,000 | $ 131,250 | $ 34,000 |
| Macon, GA | 4 | $ 530,000 | $ 132,500 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 704,000 | $ 176,000 | $ 19,000 |
| Punta Gorda, FL | 4 | $ 478,000 | $ 119,500 | $ 15,000 |
| Reno-Sparks, NV | 4 | $ 1,015,000 | $ 253,750 | $ 0 |
| Salisbury, MD | 4 | $ 374,000 | $ 93,500 | $ 78,000 |
| Scranton--Wilkes-Barre, PA | 4 | $ 482,000 | $ 120,500 | $ 0 |
| Shreveport-Bossier City, LA | 4 | $ 263,000 | $ 65,750 | $ 48,000 |
| Spartanburg, SC | 4 | $ 708,000 | $ 177,000 | $ 47,000 |
| Stockton, CA | 4 | $ 896,000 | $ 224,000 | $ 0 |
| Tallahassee, FL | 4 | $ 911,000 | $ 227,750 | $ 30,000 |
| Waco, TX | 4 | $ 559,000 | $ 139,750 | $ 17,000 |
| York-Hanover, PA | 4 | $ 859,000 | $ 214,750 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 458,000 | $ 152,666 | $ 0 |
| Atlantic City, NJ | 3 | $ 571,000 | $ 190,333 | $ 27,000 |
| Coeur D'Alene, ID | 3 | $ 250,000 | $ 83,333 | $ 3,000 |
| Fort Smith, AR-OK | 3 | $ 616,000 | $ 205,333 | $ 7,000 |
| Gainesville, FL | 3 | $ 464,000 | $ 154,666 | $ 45,000 |
| Gulfport-Biloxi, MS | 3 | $ 586,000 | $ 195,333 | $ 64,000 |
| Harrisburg-Carlisle, PA | 3 | $ 459,000 | $ 153,000 | $ 0 |
| Jackson, MS | 3 | $ 450,000 | $ 150,000 | $ 0 |
| Knoxville, TN | 3 | $ 419,000 | $ 139,666 | $ 14,000 |
| Louisville, KY-IN | 3 | $ 381,000 | $ 127,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 3 | $ 450,000 | $ 150,000 | $ 26,000 |
| Niles-Benton Harbor, MI | 3 | $ 268,000 | $ 89,333 | $ 14,000 |
| Norwich-New London, CT | 3 | $ 559,000 | $ 186,333 | $ 54,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 631,000 | $ 210,333 | $ 53,000 |
| Sherman-Denison, TX | 3 | $ 295,000 | $ 98,333 | $ 0 |
| Toledo, OH | 3 | $ 384,000 | $ 128,000 | $ 29,000 |
| Trenton-Ewing, NJ | 3 | $ 539,000 | $ 179,666 | $ 56,000 |
| Winchester, VA-WV | 3 | $ 458,000 | $ 152,666 | $ 20,000 |
| Yuma, AZ | 3 | $ 332,000 | $ 110,666 | $ 0 |
| Anderson, SC | 2 | $ 469,000 | $ 234,500 | $ 0 |
| Asheville, NC | 2 | $ 424,000 | $ 212,000 | $ 0 |
| Bellingham, WA | 2 | $ 206,000 | $ 103,000 | $ 21,000 |
| Boise City-Nampa, ID | 2 | $ 399,000 | $ 199,500 | $ 50,000 |
| Brownsville-Harlingen, TX | 2 | $ 183,000 | $ 91,500 | $ 0 |
| Burlington-South Burlington, VT | 2 | $ 436,000 | $ 218,000 | $ 51,000 |
| Canton-Massillon, OH | 2 | $ 323,000 | $ 161,500 | $ 42,000 |
| Carson City, NV | 2 | $ 373,000 | $ 186,500 | $ 0 |
| Cleveland, TN | 2 | $ 328,000 | $ 164,000 | $ 0 |
| Dubuque, IA | 2 | $ 216,000 | $ 108,000 | $ 83,000 |
| El Paso, TX | 2 | $ 187,000 | $ 93,500 | $ 34,000 |
| Evansville, IN-KY | 2 | $ 246,000 | $ 123,000 | $ 0 |
| Fayetteville, NC | 2 | $ 204,000 | $ 102,000 | $ 25,000 |
| Florence, SC | 2 | $ 272,000 | $ 136,000 | $ 36,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 378,000 | $ 189,000 | $ 0 |
| Fort Wayne, IN | 2 | $ 79,000 | $ 39,500 | $ 18,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 193,000 | $ 96,500 | $ 0 |
| Jackson, MI | 2 | $ 221,000 | $ 110,500 | $ 13,000 |
| Johnson City, TN | 2 | $ 326,000 | $ 163,000 | $ 28,000 |
| Kalamazoo-Portage, MI | 2 | $ 212,000 | $ 106,000 | $ 13,000 |
| Lancaster, PA | 2 | $ 302,000 | $ 151,000 | $ 74,000 |
| Lynchburg, VA | 2 | $ 288,000 | $ 144,000 | $ 12,000 |
| Mansfield, OH | 2 | $ 144,000 | $ 72,000 | $ 27,000 |
| Medford, OR | 2 | $ 200,000 | $ 100,000 | $ 38,000 |
| Memphis, TN-MS-AR | 2 | $ 371,000 | $ 185,500 | $ 40,000 |
| Michigan City-La Porte, IN | 2 | $ 363,000 | $ 181,500 | $ 0 |
| Modesto, CA | 2 | $ 460,000 | $ 230,000 | $ 63,000 |
| Nassau-Suffolk, NY | 2 | $ 328,000 | $ 164,000 | $ 113,000 |
| Ocean City, NJ | 2 | $ 532,000 | $ 266,000 | $ 71,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 684,000 | $ 342,000 | $ 48,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 336,000 | $ 168,000 | $ 97,000 |
| Reading, PA | 2 | $ 352,000 | $ 176,000 | $ 0 |
| Rochester, NY | 2 | $ 315,000 | $ 157,500 | $ 0 |
| Rockford, IL | 2 | $ 182,000 | $ 91,000 | $ 13,000 |
| Rome, GA | 2 | $ 405,000 | $ 202,500 | $ 0 |
| Saginaw-Saginaw Township North, MI | 2 | $ 219,000 | $ 109,500 | $ 0 |
| Salem, OR | 2 | $ 303,000 | $ 151,500 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 434,000 | $ 217,000 | $ 0 |
| Valdosta, GA | 2 | $ 144,000 | $ 72,000 | $ 25,000 |
| Vero Beach, FL | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Visalia-Porterville, CA | 2 | $ 405,000 | $ 202,500 | $ 0 |
| Wenatchee, WA | 2 | $ 267,000 | $ 133,500 | $ 0 |
| Wilmington, NC | 2 | $ 242,000 | $ 121,000 | $ 18,000 |
| Albany, GA | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Anniston-Oxford, AL | 1 | $ 56,000 | $ 56,000 | $ 21,000 |
| Appleton, WI | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Bangor, ME | 1 | $ 36,000 | $ 36,000 | $ 29,000 |
| Bloomington, IN | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Bloomington-Normal, IL | 1 | $ 148,000 | $ 148,000 | $ 53,000 |
| Burlington, NC | 1 | $ 77,000 | $ 77,000 | $ 31,000 |
| Cheyenne, WY | 1 | $ 183,000 | $ 183,000 | $ 48,000 |
| College Station-Bryan, TX | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Corvallis, OR | 1 | $ 138,000 | $ 138,000 | $ 59,000 |
| Decatur, AL | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Dover, DE | 1 | $ 220,000 | $ 220,000 | $ 68,000 |
| Duluth, MN-WI | 1 | $ 164,000 | $ 164,000 | $ 0 |
| El Centro, CA | 1 | $ 34,000 | $ 34,000 | $ 65,000 |
| Eugene-Springfield, OR | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 48,000 | $ 48,000 | $ 28,000 |
| Goldsboro, NC | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Grand Forks, ND-MN | 1 | $ 68,000 | $ 68,000 | $ 62,000 |
| Great Falls, MT | 1 | $ 119,000 | $ 119,000 | $ 25,000 |
| Greenville, NC | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Kankakee-Bradley, IL | 1 | $ 252,000 | $ 252,000 | $ 98,000 |
| Lafayette, IN | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Lima, OH | 1 | $ 156,000 | $ 156,000 | $ 44,000 |
| Logan, UT-ID | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Lubbock, TX | 1 | $ 199,000 | $ 199,000 | $ 0 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Missoula, MT | 1 | $ 194,000 | $ 194,000 | $ 63,000 |
| Morgantown, WV | 1 | $ 123,000 | $ 123,000 | $ 154,000 |
| Muskegon-Norton Shores, MI | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Napa, CA | 1 | $ 322,000 | $ 322,000 | $ 57,000 |
| Odessa, TX | 1 | $ 149,000 | $ 149,000 | $ 65,000 |
| Olympia, WA | 1 | $ 189,000 | $ 189,000 | $ 77,000 |
| Owensboro, KY | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Panama City-Lynn Haven, FL | 1 | $ 90,000 | $ 90,000 | $ 96,000 |
| Peoria, IL | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Pocatello, ID | 1 | $ 32,000 | $ 32,000 | $ 98,000 |
| Rapid City, SD | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Redding, CA | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 37,000 | $ 37,000 | $ 45,000 |
| Salinas, CA | 1 | $ 330,000 | $ 330,000 | $ 53,000 |
| Santa Fe, NM | 1 | $ 334,000 | $ 334,000 | $ 85,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 178,000 | $ 178,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 370,000 | $ 370,000 | $ 555,000 |
| Spokane, WA | 1 | $ 90,000 | $ 90,000 | $ 34,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 81,000 | $ 81,000 | $ 58,000 |
| Tyler, TX | 1 | $ 258,000 | $ 258,000 | $ 85,000 |
| Wichita Falls, TX | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Yakima, WA | 1 | $ 115,000 | $ 115,000 | $ 0 |
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.
For a list of all lenders in Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.
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