Nevada Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Nevada Bank & Trust of Caliente, NV reported 31 mortgage applications totaling $6.3 million, about the same as 2013. The average application was for $202,967, and applicants reported an average income of $64,838. 48% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (1) and Reno, NV (1).
| Mortgage Company & Address | Nevada Bank & Trust 210 Front Street Caliente, NV 89008 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 31 |
| Total Mortgage Loan Application Amount | $6,292,000 |
| Average Mortgage Loan Application Amount | $202,967 |
| Highest Mortgage Loan Application Amount | $1,025,000 |
| Average Applicant Income | $64,838 |
| Highest Applicant Income | $161,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nevada Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Nevada Bank & Trust in 2014
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 | 19 | $3,206,000 | $168,000 | $705,000 | $66,000 | $161,000 |
| Refinancing | 8 | $2,910,000 | $363,000 | $1,025,000 | $62,000 | $139,000 |
| Home Improvement | 4 | $176,000 | $44,000 | $80,000 | $65,000 | $90,000 |
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 | 17 | $1,872,000 | $110,000 | $592,000 | $82,000 | $155,000 |
| Not applicable | 7 | $2,972,000 | $424,000 | $1,025,000 | $0 | $0 |
| Hispanic | 7 | $1,448,000 | $206,000 | $705,000 | $90,000 | $161,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 30 | $5,982,000 | $199,000 | $1,025,000 | $65,000 | $161,000 |
| VA-guaranteed (Veterans Administration) | 1 | $310,000 | $310,000 | $310,000 | $72,000 | $72,000 |
| 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 |
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 | 15 | $2,793,000 | $186,000 | $705,000 | $73,000 | $161,000 |
| Application Denied By Financial Institution | 11 | $2,470,000 | $224,000 | $1,025,000 | $49,000 | $90,000 |
| Application Withdrawn By Applicant | 5 | $1,029,000 | $205,000 | $533,000 | $77,000 | $125,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $239,000 | $59,000 | $108,000 | $66,000 | $90,000 |
| Collateral | 3 | $2,065,000 | $688,000 | $1,025,000 | $20,000 | $61,000 |
| Credit Application Incomplete | 2 | $2,000 | $1,000 | $1,000 | $76,000 | $90,000 |
| Other | 2 | $164,000 | $82,000 | $85,000 | $33,000 | $42,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nevada Bank & Trust's 2014 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 Nevada Bank & Trust'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 Nevada, download the full spreadsheet
with aggregated HMDA statistics today.
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