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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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FIRST NATIONAL BANK OF OMAHA
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF OMAHA |
| Address | 1620 DODGE STREET
OMAHA, NE 68197 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 7,173 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $683,164,000 |
| Average Mortgage Loan Amount Applied For | $128,300 |
| Highest Mortgage Loan Amount Applied For | $9,000,000 |
| Average Applicant Income | $86,500 |
| Highest Applicant Income | $6,000,000 |
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| Home Improvement |
1,237 | $36,668,000 |
$29,000 | $1,000,000 |
$71,000 | $738,000 |
| Home Purchase |
3,529 | $426,749,000 |
$120,000 | $6,000,000 |
$79,000 | $6,000,000 |
| Refinancing |
2,470 | $227,050,000 |
$91,000 | $9,000,000 |
$73,000 | $1,000,000 |
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| American Indian or Alaskan Native |
7 | $684,000 |
$97,000 | $248,000 |
$43,000 | $88,000 |
| Asian |
87 | $10,848,000 |
$124,000 | $1,100,000 |
$85,000 | $1,000,000 |
| Black or African American |
189 | $11,076,000 |
$58,000 | $287,000 |
$54,000 | $248,000 |
| Hispanic |
378 | $25,001,000 |
$66,000 | $393,000 |
$44,000 | $212,000 |
| Native Hawaiin or Other Pacific Islander |
9 | $988,000 |
$109,000 | $202,000 |
$53,000 | $90,000 |
| Not applicable |
33 | $26,883,000 |
$814,000 | $9,000,000 |
$651,000 | $5,022,000 |
| Not Provided |
488 | $44,348,000 |
$90,000 | $588,000 |
$90,000 | $6,000,000 |
| White |
6,045 | $570,639,000 |
$94,000 | $1,000,000 |
$74,000 | $1,179,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
7,074 | $670,801,000 |
$94,000 | $9,000,000 |
$76,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) |
76 | $8,121,000 |
$106,000 | $203,000 |
$55,000 | $327,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
7 | $347,000 |
$49,000 | $76,000 |
$27,000 | $33,000 |
| VA-guaranteed (Veterans Administration) |
79 | $11,198,000 |
$141,000 | $323,000 |
$55,000 | $145,000 |
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| Application Approved But Not Accepted |
755 | $40,810,000 |
$54,000 | $1,000,000 |
$75,000 | $474,000 |
| Application Denied By Financial Institution |
593 | $30,955,000 |
$52,000 | $535,000 |
$56,000 | $286,000 |
| Application Withdrawn By Applicant |
135 | $16,164,000 |
$119,000 | $614,000 |
$120,000 | $6,000,000 |
| File Closed For Incompleteness |
20 | $3,436,000 |
$171,000 | $620,000 |
$63,000 | $172,000 |
| Loan Originated |
5,390 | $545,266,000 |
$101,000 | $9,000,000 |
$77,000 | $5,022,000 |
| Loan Purchased By The Institution |
280 | $46,533,000 |
$166,000 | $500,000 |
$84,000 | $560,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
63 | $7,303,000 |
$115,000 | $1,000,000 |
$41,000 | $428,000 |
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| Collateral |
61 | $3,548,000 |
$58,000 | $298,000 |
$73,000 | $280,000 |
| Credit Application Incomplete |
53 | $7,438,000 |
$140,000 | $432,000 |
$58,000 | $240,000 |
| Credit History |
315 | $14,130,000 |
$44,000 | $235,000 |
$51,000 | $248,000 |
| Debt-To-Income Ratio |
188 | $9,596,000 |
$51,000 | $535,000 |
$51,000 | $286,000 |
| Employment History |
6 | $466,000 |
$77,000 | $138,000 |
$24,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $613,000 |
$122,000 | $187,000 |
$24,000 | $58,000 |
| Mortgage Insurance Denied |
1 | $57,000 |
$57,000 | $57,000 |
$35,000 | $35,000 |
| Other |
25 | $2,359,000 |
$94,000 | $1,000,000 |
$91,000 | $428,000 |
| Unverifiable Information |
2 | $51,000 |
$25,000 | $26,000 |
$79,000 | $108,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK OF OMAHA by:
Metropolitan Area And
County
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