Iowa - Nebraska State Bank Mortgage Lending & HMDA Data, 2018
In 2018, Iowa - Nebraska State Bank of South Sioux City, NE reported 253 mortgage applications totaling $26.1 million, down 3% from 2017. The average application was for $103,142, and applicants reported an average income of $85,300. 87% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Sioux City, IA-NE-SD (209), Lincoln, NE (1) and Sioux Falls, SD (1) (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 | 253 |
| Total Mortgage Loan Application Amount | $26,095,000 |
| Average Mortgage Loan Application Amount | $103,142 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $85,300 |
| Highest Applicant Income | $2,242,000 |
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records Iowa - Nebraska State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Iowa - Nebraska State Bank in 2018
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 | 153 | $18,545,000 | $121,000 | $555,000 | $69,000 | $391,000 |
| Refinancing | 67 | $6,625,000 | $98,000 | $755,000 | $126,000 | $2,242,000 |
| Other Purpose | 20 | $560,000 | $28,000 | $105,000 | $68,000 | $152,000 |
| Home Improvement | 13 | $365,000 | $28,000 | $65,000 | $94,000 | $194,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 134 | $14,130,000 | $105,000 | $755,000 | $108,000 | $2,242,000 |
| Hispanic | 93 | $9,835,000 | $105,000 | $375,000 | $54,000 | $115,000 |
| Not applicable | 11 | $1,035,000 | $94,000 | $535,000 | $0 | $0 |
| Asian | 9 | $295,000 | $32,000 | $55,000 | $65,000 | $156,000 |
| Black or African American | 4 | $660,000 | $165,000 | $255,000 | $62,000 | $121,000 |
| Not Provided | 2 | $140,000 | $70,000 | $75,000 | $51,000 | $64,000 |
| American Indian or Alaskan Native | 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) | 253 | $26,095,000 | $103,000 | $755,000 | $84,000 | $2,242,000 |
| 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 | 221 | $24,105,000 | $109,000 | $755,000 | $86,000 | $2,242,000 |
| Application Denied By Financial Institution | 26 | $1,700,000 | $65,000 | $245,000 | $71,000 | $152,000 |
| Application Withdrawn By Applicant | 6 | $290,000 | $48,000 | $85,000 | $52,000 | $100,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 227 | $24,395,000 | $107,000 | $755,000 | $85,000 | $2,242,000 |
| Credit History | 17 | $875,000 | $51,000 | $145,000 | $65,000 | $129,000 |
| Debt-To-Income Ratio | 7 | $785,000 | $112,000 | $245,000 | $75,000 | $152,000 |
| Employment History | 1 | $5,000 | $5,000 | $5,000 | $0 | $0 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $120,000 | $120,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Iowa - Nebraska State Bank's 2018 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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