Security Bank Mortgage Lending & HMDA Data, 2012
In 2012, Security Bank of Laurel, NE reported 215 mortgage applications totaling $26.3 million. The average application was for $122,367, and applicants reported an average income of $73,241. 68% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Sioux City, IA-NE-SD (49), Omaha-Council Bluffs, NE-IA (8) and Lincoln, NE (2) (applications in parentheses).
| Mortgage Company & Address | Security Bank 202 East 2nd Street Laurel, NE 68745 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 215 |
| Total Mortgage Loan Application Amount | $26,309,000 |
| Average Mortgage Loan Application Amount | $122,367 |
| Highest Mortgage Loan Application Amount | $3,700,000 |
| Average Applicant Income | $73,241 |
| Highest Applicant Income | $403,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Security Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Sioux City, IA-NE-SD | 49 | $ 4,126,000 | $ 84,204 | $ 65,530 |
| Omaha-Council Bluffs, NE-IA | 8 | $ 1,308,000 | $ 163,500 | $ 213,625 |
| Lincoln, NE | 2 | $ 348,000 | $ 174,000 | $ 103,000 |
| Des Moines-West Des Moines, IA | 1 | $ 217,000 | $ 217,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Security Bank in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 128 | $19,292,000 | $150,000 | $3,700,000 | $87,000 | $403,000 |
| Home Purchase | 87 | $7,017,000 | $80,000 | $260,000 | $53,000 | $192,000 |
| Home Improvement | 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 | 210 | $25,882,000 | $123,000 | $3,700,000 | $74,000 | $403,000 |
| Not Provided | 3 | $277,000 | $92,000 | $184,000 | $69,000 | $126,000 |
| Not applicable | 1 | $94,000 | $94,000 | $94,000 | $0 | $0 |
| Hispanic | 1 | $56,000 | $56,000 | $56,000 | $38,000 | $38,000 |
| 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 |
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) | 177 | $23,387,000 | $132,000 | $3,700,000 | $79,000 | $403,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $2,922,000 | $76,000 | $175,000 | $49,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 147 | $20,405,000 | $138,000 | $3,700,000 | $80,000 | $403,000 |
| Application Denied By Financial Institution | 35 | $2,406,000 | $68,000 | $150,000 | $45,000 | $121,000 |
| Application Withdrawn By Applicant | 33 | $3,498,000 | $106,000 | $260,000 | $76,000 | $197,000 |
| 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 | 10 | $524,000 | $52,000 | $110,000 | $35,000 | $55,000 |
| Debt-To-Income Ratio | 9 | $584,000 | $64,000 | $101,000 | $42,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $251,000 | $83,000 | $122,000 | $62,000 | $90,000 |
| Collateral | 1 | $80,000 | $80,000 | $80,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 Security Bank's 2012 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 Security 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.
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