City Bank & Trust Co. Mortgage Rates, Fees & Info

Crete, NE

LEI: 549300OUJRW41FX1L002

Tax ID: 47-0126890

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    City Bank & Trust Co. is a smaller bank specializing in Refi and Home Purchase loans. City Bank & Trust Co. has a high proportion of conventional loans. Their top (well, only) market is Lincoln.

    City Bank & Trust Co. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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    Originations

    25

    Origination Dollar Volume (All Markets)

    $4,165,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LINCOLN, NE (FHA|USDA|VA) 16 $2,700,000 $168,750 $0 0.00%
    Outside of Metro Areas 9 $1,465,000 $162,778 $0 0.00%
    City Bank & Trust Co.'s top markets include and Lincoln among others.

    Their top states include:
  • Nebraska (FHA|USDA|VA)
  • (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 25 $4,165,000 $166,600 $0 0.00%

    For 2018, City Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 25 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 14 $1,710,000 $122,143 $0 0.00%
    Home Purchase 9 $2,205,000 $245,000 $0 0.00%
    Home Improvement 2 $250,000 $125,000 $0 0.00%

    For 2018, City Bank & Trust Co.'s most frequently cited loan purpose was Refi, with 14 originations. The 2nd most popular reason was Home Purchase, with 9 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 25 $4,165,000 $166,600 $0 0.00%

    For 2018, City Bank & Trust Co.'s most frequently cited loan duration was Other, with 25 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 11 $785,000 $71,364 $0 0.00%
    $100k-200k 7 $845,000 $120,714 $0 0.00%
    $200k-400k 5 $1,165,000 $233,000 $0 0.00%
    $600k-1MM 2 $1,370,000 $685,000 $0 0.00%

    2018 saw City Bank & Trust Co. place emphasis on $100,000 or less loans with 11 originations, totaling $785,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 3 $505,000 $168,333 $0 0.00%
    $75k-100k 3 $435,000 $145,000 $0 0.00%
    $100k-150k 2 $280,000 $140,000 $0 0.00%
    $150k-250k 1 $125,000 $125,000 $0 0.00%

    City Bank & Trust Co. lent most frequently to those with incomes in the $250k+ range, with 3 originations. The second most popular income band? $75k-100k, with 3 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 25 $4,165,000 $166,600 $0 0.00%

    City Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 25 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 10 $2,030,000 $203,000 $0 0.00%
    Not applicable 14 $2,020,000 $144,286 $0 0.00%
    Asian 1 $115,000 $115,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    City Bank & Trust Co. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    84.00%

    City Bank & Trust Co. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 25 $4,165,000 $166,600

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $1,205,000 $401,667
    Single Family (1-4 Units):Site-Built 22 $2,960,000 $134,545

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CATHAY BANK Conventional home mortgage Trouble during payment process 1 50.0%
    CATHAY BANK Other type of mortgage Trouble during payment process 1 50.0%