Cattle National Bank & Trust Company, the Mortgage Lending & HMDA Data, 2010
In 2010, Cattle National Bank & Trust Company, the of Seward, NE reported 89 mortgage applications totaling $9.9 million, down 14% from 2009. The average application was for $111,393, and applicants reported an average income of $53,719. 92% of its applications resulted in an originated loan and 8% were denied. Its largest market was Lincoln, NE (75).
| Mortgage Company & Address | Cattle National Bank & Trust Company, the 104 South 5th Street Seward, NE 68434 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 89 |
| Total Mortgage Loan Application Amount | $9,914,000 |
| Average Mortgage Loan Application Amount | $111,393 |
| Highest Mortgage Loan Application Amount | $1,596,000 |
| Average Applicant Income | $53,719 |
| Highest Applicant Income | $550,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cattle National Bank & Trust Company, the filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lincoln, NE | 75 | $ 8,765,000 | $ 116,866 | $ 50,000 |
Mortgage Loan Application Detail Totals for Cattle National Bank & Trust Company, the in 2010
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 | 41 | $4,615,000 | $112,000 | $345,000 | $61,000 | $550,000 |
| Refinancing | 36 | $4,767,000 | $132,000 | $1,596,000 | $40,000 | $256,000 |
| Home Improvement | 12 | $532,000 | $44,000 | $100,000 | $70,000 | $312,000 |
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 | 60 | $4,956,000 | $82,000 | $345,000 | $79,000 | $550,000 |
| Not applicable | 28 | $4,858,000 | $173,000 | $1,596,000 | $0 | $0 |
| Not Provided | 1 | $100,000 | $100,000 | $100,000 | $36,000 | $36,000 |
| 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 |
| Hispanic | 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) | 88 | $9,769,000 | $111,000 | $1,596,000 | $53,000 | $550,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $145,000 | $145,000 | $145,000 | $37,000 | $37,000 |
| 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 | 82 | $9,284,000 | $113,000 | $1,596,000 | $54,000 | $550,000 |
| Application Denied By Financial Institution | 7 | $630,000 | $90,000 | $145,000 | $41,000 | $84,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | $332,000 | $83,000 | $128,000 | $43,000 | $49,000 |
| Debt-To-Income Ratio | 2 | $265,000 | $132,000 | $145,000 | $60,000 | $84,000 |
| Unverifiable Information | 1 | $33,000 | $33,000 | $33,000 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cattle National Bank & Trust Company, the's 2010 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 Cattle National Bank & Trust Company, the'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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