Iowa - Nebraska State Bank Mortgage Lending & HMDA Data, 2015
In 2015, Iowa - Nebraska State Bank of South Sioux City, NE reported 241 mortgage applications totaling $23.8 million, up 12% from 2014. The average application was for $98,755, and applicants reported an average income of $68,136. 82% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Sioux City, IA-NE-SD (183), Omaha-Council Bluffs, NE-IA (3) and Lincoln, NE (2) (applications in parentheses).
| Mortgage Company & Address | Iowa - Nebraska State Bank 2021 Dakota Avenue South Sioux City, NE 68776 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 241 |
| Total Mortgage Loan Application Amount | $23,800,000 |
| Average Mortgage Loan Application Amount | $98,755 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $68,136 |
| Highest Applicant Income | $631,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Iowa - Nebraska State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Woodbury, Iowa | 81 | $ 7,703,000 | $ 95,098 | $ 58,000 |
| Dakota, Nebraska | 64 | $ 6,111,000 | $ 95,484 | $ 64,000 |
| Monona, Iowa | 31 | $ 2,189,000 | $ 70,612 | $ 77,000 |
| Dixon, Nebraska | 18 | $ 1,608,000 | $ 89,333 | $ 52,000 |
| Plymouth, Iowa | 10 | $ 1,584,000 | $ 158,400 | $ 103,000 |
| Union, South Dakota | 10 | $ 2,205,000 | $ 220,500 | $ 132,000 |
| Wayne, Nebraska | 8 | $ 644,000 | $ 80,500 | $ 55,000 |
| Harrison, Iowa | 2 | $ 74,000 | $ 37,000 | $ 61,000 |
| Harlan, Nebraska | 2 | $ 135,000 | $ 67,500 | $ 37,000 |
| Crawford, Iowa | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Dickinson, Iowa | 1 | $ 3,000 | $ 3,000 | $ 14,000 |
| Polk, Iowa | 1 | $ 137,000 | $ 137,000 | $ 75,000 |
| Buffalo, Nebraska | 1 | $ 140,000 | $ 140,000 | $ 66,000 |
| Cuming, Nebraska | 1 | $ 77,000 | $ 77,000 | $ 127,000 |
| Douglas, Nebraska | 1 | $ 99,000 | $ 99,000 | $ 70,000 |
| Franklin, Nebraska | 1 | $ 61,000 | $ 61,000 | $ 49,000 |
| Knox, Nebraska | 1 | $ 200,000 | $ 200,000 | $ 440,000 |
| Lancaster, Nebraska | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Madison, Nebraska | 1 | $ 200,000 | $ 200,000 | $ 45,000 |
| Phelps, Nebraska | 1 | $ 147,000 | $ 147,000 | $ 80,000 |
| Rock, Nebraska | 1 | $ 68,000 | $ 68,000 | $ 52,000 |
| Seward, Nebraska | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Thurston, Nebraska | 1 | $ 51,000 | $ 51,000 | $ 85,000 |
| Tulsa, Oklahoma | 1 | $ 149,000 | $ 149,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Iowa - Nebraska State Bank in 2015
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 | 157 | $16,512,000 | $105,000 | $550,000 | $65,000 | $440,000 |
| Refinancing | 63 | $6,005,000 | $95,000 | $336,000 | $79,000 | $631,000 |
| Home Improvement | 21 | $1,283,000 | $61,000 | $188,000 | $59,000 | $160,000 |
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 | 148 | $15,781,000 | $106,000 | $540,000 | $85,000 | $631,000 |
| Hispanic | 70 | $5,808,000 | $82,000 | $295,000 | $46,000 | $131,000 |
| Not applicable | 13 | $1,561,000 | $120,000 | $550,000 | $0 | $0 |
| Asian | 5 | $216,000 | $43,000 | $73,000 | $41,000 | $46,000 |
| Black or African American | 2 | $221,000 | $110,000 | $154,000 | $71,000 | $95,000 |
| Not Provided | 2 | $109,000 | $54,000 | $57,000 | $85,000 | $154,000 |
| American Indian or Alaskan Native | 1 | $104,000 | $104,000 | $104,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 241 | $23,800,000 | $98,000 | $550,000 | $68,000 | $631,000 |
| 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 | 197 | $20,164,000 | $102,000 | $550,000 | $71,000 | $631,000 |
| Application Denied By Financial Institution | 35 | $3,080,000 | $88,000 | $295,000 | $56,000 | $161,000 |
| Application Approved But Not Accepted | 7 | $339,000 | $48,000 | $90,000 | $42,000 | $75,000 |
| Application Withdrawn By Applicant | 2 | $217,000 | $108,000 | $188,000 | $70,000 | $74,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Iowa - Nebraska State Bank's 2015 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 Iowa - Nebraska State 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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