Farm Credit Services of America, Flca Mortgage Lending & HMDA Data, 2006
In 2006, Farm Credit Services of America, Flca of Omaha, NE reported 1,827 mortgage applications totaling $270.6 million, down 2% from 2005. The average application was for $148,131, and applicants reported an average income of $111,870. 52% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (41), Des Moines-West Des Moines, IA (37) and Sioux Falls, SD (21) (applications in parentheses).
| Mortgage Company & Address | Farm Credit Services of America, Flca 5015 S 118th St Omaha, NE 68137 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,827 |
| Total Mortgage Loan Application Amount | $270,637,000 |
| Average Mortgage Loan Application Amount | $148,131 |
| Highest Mortgage Loan Application Amount | $1,275,000 |
| Average Applicant Income | $111,870 |
| Highest Applicant Income | $5,428,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Farm Credit Services of America, Flca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 41 | $ 5,849,000 | $ 142,658 | $ 94,682 |
| Des Moines-West Des Moines, IA | 37 | $ 7,689,000 | $ 207,810 | $ 157,000 |
| Sioux Falls, SD | 21 | $ 2,436,000 | $ 116,000 | $ 94,000 |
| Cedar Rapids, IA | 20 | $ 3,618,000 | $ 180,900 | $ 137,000 |
| Waterloo-Cedar Falls, IA | 18 | $ 2,626,000 | $ 145,888 | $ 188,000 |
| Sioux City, IA-NE-SD | 17 | $ 2,730,000 | $ 160,588 | $ 94,764 |
| Davenport-Moline-Rock Island, IA-IL | 15 | $ 1,702,000 | $ 113,466 | $ 456,600 |
| Iowa City, IA | 15 | $ 2,536,000 | $ 169,066 | $ 161,000 |
| Rapid City, SD | 13 | $ 2,832,000 | $ 217,846 | $ 118,000 |
| Lincoln, NE | 11 | $ 1,942,000 | $ 176,545 | $ 254,000 |
| Ames, IA | 9 | $ 2,316,000 | $ 257,333 | $ 126,000 |
| Dubuque, IA | 8 | $ 589,000 | $ 73,625 | $ 304,000 |
| Cheyenne, WY | 5 | $ 888,000 | $ 177,600 | $ 107,000 |
| Casper, WY | 3 | $ 600,000 | $ 200,000 | $ 96,000 |
| Gary, IN | 2 | $ 385,000 | $ 192,500 | $ 3,479,000 |
| Albuquerque, NM | 1 | $ 393,000 | $ 393,000 | $ 55,000 |
| Fort Collins-Loveland, CO | 1 | $ 300,000 | $ 300,000 | $ 28,000 |
| La Crosse, WI-MN | 1 | $ 412,000 | $ 412,000 | $ 312,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 568,000 | $ 568,000 | $ 0 |
Mortgage Loan Application Detail Totals for Farm Credit Services of America, Flca in 2006
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 | 983 | $143,894,000 | $146,000 | $893,000 | $89,000 | $5,354,000 |
| Refinancing | 641 | $108,451,000 | $169,000 | $1,275,000 | $107,000 | $2,026,000 |
| Home Improvement | 203 | $18,292,000 | $90,000 | $550,000 | $238,000 | $5,428,000 |
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 | 1,758 | $261,758,000 | $148,000 | $1,275,000 | $107,000 | $5,354,000 |
| Not Provided | 41 | $5,423,000 | $132,000 | $1,000,000 | $103,000 | $547,000 |
| Not applicable | 14 | $1,148,000 | $82,000 | $250,000 | $717,000 | $5,428,000 |
| Hispanic | 7 | $1,090,000 | $155,000 | $525,000 | $66,000 | $143,000 |
| American Indian or Alaskan Native | 6 | $1,065,000 | $177,000 | $425,000 | $139,000 | $519,000 |
| Asian | 1 | $153,000 | $153,000 | $153,000 | $69,000 | $69,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,827 | $270,637,000 | $148,000 | $1,275,000 | $112,000 | $5,428,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 951 | $143,000,000 | $150,000 | $1,275,000 | $140,000 | $5,428,000 |
| Application Approved But Not Accepted | 340 | $51,311,000 | $150,000 | $1,100,000 | $105,000 | $2,026,000 |
| Preapproval Denied by Financial Institution | 322 | $41,388,000 | $128,000 | $525,000 | $59,000 | $1,243,000 |
| Application Denied By Financial Institution | 121 | $20,159,000 | $166,000 | $1,000,000 | $72,000 | $460,000 |
| Preapproval Approved but not Accepted | 59 | $9,466,000 | $160,000 | $480,000 | $46,000 | $336,000 |
| Application Withdrawn By Applicant | 34 | $5,313,000 | $156,000 | $455,000 | $168,000 | $1,012,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 225 | $35,201,000 | $156,000 | $1,000,000 | $56,000 | $428,000 |
| Credit History | 152 | $16,295,000 | $107,000 | $350,000 | $60,000 | $585,000 |
| Other | 43 | $5,876,000 | $136,000 | $420,000 | $75,000 | $460,000 |
| Collateral | 9 | $1,324,000 | $147,000 | $248,000 | $191,000 | $1,243,000 |
| Unverifiable Information | 5 | $1,568,000 | $313,000 | $1,000,000 | $85,000 | $211,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $360,000 | $90,000 | $124,000 | $42,000 | $75,000 |
| Employment History | 3 | $233,000 | $77,000 | $95,000 | $32,000 | $57,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farm Credit Services of America, Flca's 2006 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 Farm Credit Services of America, Flca'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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