First National Bank of Omaha Mortgage Lending & HMDA Data, 2004
In 2004, First National Bank of Omaha of Omaha, NE reported 6,712 mortgage applications totaling $708.4 million, down 40% from 2003. The average application was for $105,538, and applicants reported an average income of $45,178. 52% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (3,456), Lincoln, NE (454) and Kansas City, MO-KS (89) (applications in parentheses).
| Mortgage Company & Address | First National Bank of Omaha 1620 Dodge Street Omaha, NE 68197 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,712 |
| Total Mortgage Loan Application Amount | $708,376,000 |
| Average Mortgage Loan Application Amount | $105,538 |
| Highest Mortgage Loan Application Amount | $9,800,000 |
| Average Applicant Income | $45,178 |
| Highest Applicant Income | $2,617,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank of Omaha filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Douglas, Nebraska | 2,560 | $ 242,811,000 | $ 94,848 | $ 58,000 |
| Sarpy, Nebraska | 652 | $ 64,305,000 | $ 98,627 | $ 47,000 |
| Lancaster, Nebraska | 382 | $ 52,451,000 | $ 137,306 | $ 66,000 |
| Johnson, Kansas | 331 | $ 51,012,000 | $ 154,114 | $ 61,000 |
| Buffalo, Nebraska | 240 | $ 27,943,000 | $ 116,429 | $ 27,000 |
| Dodge, Nebraska | 238 | $ 23,985,000 | $ 100,777 | $ 27,000 |
| Platte, Nebraska | 165 | $ 17,180,000 | $ 104,121 | $ 14,000 |
| Pottawattamie, Iowa | 153 | $ 12,585,000 | $ 82,254 | $ 42,000 |
| Gage, Nebraska | 121 | $ 7,734,000 | $ 63,917 | $ 48,000 |
| Cass, Nebraska | 89 | $ 9,782,000 | $ 109,910 | $ 51,000 |
| Washington, Nebraska | 87 | $ 11,253,000 | $ 129,344 | $ 51,000 |
| Seward, Nebraska | 72 | $ 8,230,000 | $ 114,305 | $ 31,000 |
| Butler, Nebraska | 71 | $ 4,202,000 | $ 59,183 | $ 36,000 |
| Saunders, Nebraska | 68 | $ 8,348,000 | $ 122,764 | $ 58,000 |
| Jackson, Missouri | 55 | $ 15,606,000 | $ 283,745 | $ 84,000 |
| Polk, Iowa | 47 | $ 6,752,000 | $ 143,659 | $ 22,000 |
| Otoe, Nebraska | 46 | $ 5,063,000 | $ 110,065 | $ 13,000 |
| Crawford, Iowa | 45 | $ 4,002,000 | $ 88,933 | $ 20,000 |
| Saline, Nebraska | 42 | $ 4,495,000 | $ 107,023 | $ 18,000 |
| Lincoln, Nebraska | 40 | $ 5,208,000 | $ 130,200 | $ 27,000 |
| Shelby, Iowa | 37 | $ 3,001,000 | $ 81,108 | $ 24,000 |
| Madison, Nebraska | 36 | $ 3,398,000 | $ 94,388 | $ 27,000 |
| Collin, Texas | 36 | $ 5,882,000 | $ 163,388 | $ 95,000 |
| Barton, Kansas | 33 | $ 2,833,000 | $ 85,848 | $ 23,000 |
| Dallas, Texas | 33 | $ 4,924,000 | $ 149,212 | $ 119,000 |
| Wyandotte, Kansas | 30 | $ 2,645,000 | $ 88,166 | $ 73,000 |
| Knox, Nebraska | 27 | $ 2,144,000 | $ 79,407 | $ 49,000 |
| Pierce, Nebraska | 27 | $ 2,926,000 | $ 108,370 | $ 0 |
| Harrison, Iowa | 26 | $ 2,235,000 | $ 85,961 | $ 53,000 |
| Wayne, Nebraska | 25 | $ 2,384,000 | $ 95,360 | $ 21,000 |
| Colfax, Nebraska | 21 | $ 1,583,000 | $ 75,380 | $ 13,000 |
| DeKalb, Illinois | 19 | $ 3,110,000 | $ 163,684 | $ 0 |
| York, Nebraska | 19 | $ 2,027,000 | $ 106,684 | $ 17,000 |
| Denton, Texas | 19 | $ 2,458,000 | $ 129,368 | $ 123,000 |
| Scotts Bluff, Nebraska | 18 | $ 1,405,000 | $ 78,055 | $ 28,000 |
| Cedar, Nebraska | 17 | $ 1,718,000 | $ 101,058 | $ 25,000 |
| Dawson, Nebraska | 17 | $ 1,492,000 | $ 87,764 | $ 0 |
| Clay, Missouri | 16 | $ 2,403,000 | $ 150,187 | $ 65,000 |
| Burt, Nebraska | 14 | $ 1,390,000 | $ 99,285 | $ 15,000 |
| Kearney, Nebraska | 14 | $ 1,542,000 | $ 110,142 | $ 0 |
| Mills, Iowa | 13 | $ 793,000 | $ 61,000 | $ 44,000 |
| Box Butte, Nebraska | 13 | $ 1,299,000 | $ 99,923 | $ 14,000 |
| Cheyenne, Nebraska | 13 | $ 1,140,000 | $ 87,692 | $ 52,000 |
| Cook, Illinois | 12 | $ 1,460,000 | $ 121,666 | $ 61,000 |
| Adams, Nebraska | 12 | $ 1,118,000 | $ 93,166 | $ 11,000 |
| Kendall, Illinois | 11 | $ 1,860,000 | $ 169,090 | $ 0 |
| Audubon, Iowa | 11 | $ 777,000 | $ 70,636 | $ 0 |
| Hall, Nebraska | 11 | $ 1,441,000 | $ 131,000 | $ 0 |
| Jasper, Iowa | 10 | $ 1,285,000 | $ 128,500 | $ 0 |
| St. Louis, Missouri | 10 | $ 1,110,000 | $ 111,000 | $ 88,000 |
| Maricopa, Arizona | 9 | $ 543,000 | $ 60,333 | $ 59,000 |
| Dawes, Nebraska | 9 | $ 1,025,000 | $ 113,888 | $ 0 |
| Will, Illinois | 8 | $ 1,407,000 | $ 175,875 | $ 39,000 |
| Kane, Illinois | 7 | $ 1,029,000 | $ 147,000 | $ 22,000 |
| McHenry, Illinois | 7 | $ 756,000 | $ 108,000 | $ 62,000 |
| Cuming, Nebraska | 7 | $ 354,000 | $ 50,571 | $ 59,000 |
| Harlan, Nebraska | 7 | $ 591,000 | $ 84,428 | $ 25,000 |
| Gwinnett, Georgia | 6 | $ 80,000 | $ 13,333 | $ 70,000 |
| Montgomery, Iowa | 6 | $ 668,000 | $ 111,333 | $ 39,000 |
| Cass, Missouri | 6 | $ 755,000 | $ 125,833 | $ 41,000 |
| Platte, Missouri | 6 | $ 1,664,000 | $ 277,333 | $ 230,000 |
| Johnson, Nebraska | 6 | $ 642,000 | $ 107,000 | $ 0 |
| Nance, Nebraska | 6 | $ 399,000 | $ 66,500 | $ 30,000 |
| Phelps, Nebraska | 6 | $ 368,000 | $ 61,333 | $ 0 |
| Douglas, Kansas | 5 | $ 502,000 | $ 100,400 | $ 46,000 |
| Leavenworth, Kansas | 5 | $ 856,000 | $ 171,200 | $ 45,000 |
| Camden, Missouri | 5 | $ 670,000 | $ 134,000 | $ 143,000 |
| Nemaha, Nebraska | 5 | $ 418,000 | $ 83,600 | $ 25,000 |
| Polk, Nebraska | 5 | $ 331,000 | $ 66,200 | $ 0 |
| Stanton, Nebraska | 5 | $ 372,000 | $ 74,400 | $ 0 |
| Larimer, Colorado | 4 | $ 1,172,000 | $ 293,000 | $ 8,000 |
| Cobb, Georgia | 4 | $ 48,000 | $ 12,000 | $ 111,000 |
| Ogle, Illinois | 4 | $ 263,000 | $ 65,750 | $ 26,000 |
| Linn, Iowa | 4 | $ 303,000 | $ 75,750 | $ 7,000 |
| Rush, Kansas | 4 | $ 312,000 | $ 78,000 | $ 0 |
| Morgan, Missouri | 4 | $ 466,000 | $ 116,500 | $ 85,000 |
| Fillmore, Nebraska | 4 | $ 291,000 | $ 72,750 | $ 6,000 |
| Franklin, Nebraska | 4 | $ 287,000 | $ 71,750 | $ 20,000 |
| Jefferson, Nebraska | 4 | $ 260,000 | $ 65,000 | $ 41,000 |
| Yankton, South Dakota | 4 | $ 332,000 | $ 83,000 | $ 15,000 |
| San Bernardino, California | 3 | $ 31,000 | $ 10,333 | $ 60,000 |
| San Diego, California | 3 | $ 33,000 | $ 11,000 | $ 100,000 |
| Arapahoe, Colorado | 3 | $ 195,000 | $ 65,000 | $ 73,000 |
| El Paso, Colorado | 3 | $ 666,000 | $ 222,000 | $ 300,000 |
| Carroll, Iowa | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Cass, Iowa | 3 | $ 226,000 | $ 75,333 | $ 36,000 |
| Dallas, Iowa | 3 | $ 427,000 | $ 142,333 | $ 0 |
| Fremont, Iowa | 3 | $ 319,000 | $ 106,333 | $ 14,000 |
| Scott, Iowa | 3 | $ 439,000 | $ 146,333 | $ 34,000 |
| Woodbury, Iowa | 3 | $ 312,000 | $ 104,000 | $ 0 |
| Miami, Kansas | 3 | $ 287,000 | $ 95,666 | $ 50,000 |
| Shawnee, Kansas | 3 | $ 286,000 | $ 95,333 | $ 68,000 |
| Lafayette, Missouri | 3 | $ 229,000 | $ 76,333 | $ 41,000 |
| Stone, Missouri | 3 | $ 258,000 | $ 86,000 | $ 75,000 |
| Custer, Nebraska | 3 | $ 143,000 | $ 47,666 | $ 18,000 |
| Hamilton, Nebraska | 3 | $ 393,000 | $ 131,000 | $ 0 |
| Holt, Nebraska | 3 | $ 137,000 | $ 45,666 | $ 17,000 |
| Merrick, Nebraska | 3 | $ 443,000 | $ 147,666 | $ 0 |
| Nuckolls, Nebraska | 3 | $ 228,000 | $ 76,000 | $ 0 |
| Valley, Nebraska | 3 | $ 183,000 | $ 61,000 | $ 25,000 |
| Wake, North Carolina | 3 | $ 103,000 | $ 34,333 | $ 75,000 |
| Tulsa, Oklahoma | 3 | $ 33,000 | $ 11,000 | $ 65,000 |
| Davison, South Dakota | 3 | $ 360,000 | $ 120,000 | $ 0 |
| Pennington, South Dakota | 3 | $ 654,000 | $ 218,000 | $ 0 |
| Harris, Texas | 3 | $ 3,278,000 | $ 1,092,666 | $ 908,000 |
| Tarrant, Texas | 3 | $ 579,000 | $ 193,000 | $ 207,000 |
| Pinal, Arizona | 2 | $ 171,000 | $ 85,500 | $ 45,000 |
| Saline, Arkansas | 2 | $ 20,000 | $ 10,000 | $ 57,000 |
| Los Angeles, California | 2 | $ 23,000 | $ 11,500 | $ 91,000 |
| Santa Clara, California | 2 | $ 20,000 | $ 10,000 | $ 55,000 |
| Douglas, Colorado | 2 | $ 325,000 | $ 162,500 | $ 42,000 |
| Pitkin, Colorado | 2 | $ 100,000 | $ 50,000 | $ 568,000 |
| Summit, Colorado | 2 | $ 633,000 | $ 316,500 | $ 1,379,000 |
| Teller, Colorado | 2 | $ 462,000 | $ 231,000 | $ 182,000 |
| District of Columbia, District Of Columbia | 2 | $ 1,980,000 | $ 990,000 | $ 385,000 |
| DeKalb, Georgia | 2 | $ 15,000 | $ 7,500 | $ 116,000 |
| LaSalle, Illinois | 2 | $ 375,000 | $ 187,500 | $ 0 |
| Madison, Illinois | 2 | $ 98,000 | $ 49,000 | $ 39,000 |
| Adams, Iowa | 2 | $ 190,000 | $ 95,000 | $ 33,000 |
| Boone, Iowa | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Dickinson, Iowa | 2 | $ 858,000 | $ 429,000 | $ 544,000 |
| Guthrie, Iowa | 2 | $ 386,000 | $ 193,000 | $ 87,000 |
| Johnson, Iowa | 2 | $ 201,000 | $ 100,500 | $ 42,000 |
| Marion, Iowa | 2 | $ 364,000 | $ 182,000 | $ 0 |
| Page, Iowa | 2 | $ 259,000 | $ 129,500 | $ 16,000 |
| Palo Alto, Iowa | 2 | $ 99,000 | $ 49,500 | $ 14,000 |
| Pocahontas, Iowa | 2 | $ 135,000 | $ 67,500 | $ 25,000 |
| Ringgold, Iowa | 2 | $ 371,000 | $ 185,500 | $ 19,000 |
| Story, Iowa | 2 | $ 269,000 | $ 134,500 | $ 36,000 |
| Taylor, Iowa | 2 | $ 65,000 | $ 32,500 | $ 51,000 |
| Warren, Iowa | 2 | $ 265,000 | $ 132,500 | $ 0 |
| Ellis, Kansas | 2 | $ 185,000 | $ 92,500 | $ 0 |
| Sedgwick, Kansas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Kenton, Kentucky | 2 | $ 239,000 | $ 119,500 | $ 109,000 |
| St. Mary's, Maryland | 2 | $ 361,000 | $ 180,500 | $ 96,000 |
| Worcester, Massachusetts | 2 | $ 452,000 | $ 226,000 | $ 93,000 |
| Wayne, Michigan | 2 | $ 20,000 | $ 10,000 | $ 137,000 |
| Olmsted, Minnesota | 2 | $ 100,000 | $ 50,000 | $ 30,000 |
| Bates, Missouri | 2 | $ 236,000 | $ 118,000 | $ 58,000 |
| Cherry, Nebraska | 2 | $ 189,000 | $ 94,500 | $ 31,000 |
| Dakota, Nebraska | 2 | $ 120,000 | $ 60,000 | $ 26,000 |
| Richardson, Nebraska | 2 | $ 161,000 | $ 80,500 | $ 37,000 |
| Thayer, Nebraska | 2 | $ 189,000 | $ 94,500 | $ 0 |
| Webster, Nebraska | 2 | $ 156,000 | $ 78,000 | $ 29,000 |
| Westchester, New York | 2 | $ 403,000 | $ 201,500 | $ 144,000 |
| Harnett, North Carolina | 2 | $ 18,000 | $ 9,000 | $ 68,000 |
| Mecklenburg, North Carolina | 2 | $ 28,000 | $ 14,000 | $ 55,000 |
| Orange, North Carolina | 2 | $ 242,000 | $ 121,000 | $ 133,000 |
| Cuyahoga, Ohio | 2 | $ 190,000 | $ 95,000 | $ 92,000 |
| Cleveland, Oklahoma | 2 | $ 269,000 | $ 134,500 | $ 25,000 |
| Chester, Pennsylvania | 2 | $ 263,000 | $ 131,500 | $ 129,000 |
| York, South Carolina | 2 | $ 23,000 | $ 11,500 | $ 61,000 |
| Bexar, Texas | 2 | $ 125,000 | $ 62,500 | $ 86,000 |
| Travis, Texas | 2 | $ 1,421,000 | $ 710,500 | $ 0 |
| Wilson, Texas | 2 | $ 131,000 | $ 65,500 | $ 44,000 |
| King, Washington | 2 | $ 18,000 | $ 9,000 | $ 88,000 |
| Pierce, Washington | 2 | $ 18,000 | $ 9,000 | $ 104,000 |
| Bayfield, Wisconsin | 2 | $ 157,000 | $ 78,500 | $ 227,000 |
| Dane, Wisconsin | 2 | $ 204,000 | $ 102,000 | $ 20,000 |
| Walworth, Wisconsin | 2 | $ 446,000 | $ 223,000 | $ 0 |
| Fayette, Alabama | 1 | $ 6,000 | $ 6,000 | $ 29,000 |
| Lauderdale, Alabama | 1 | $ 13,000 | $ 13,000 | $ 70,000 |
| Walker, Alabama | 1 | $ 15,000 | $ 15,000 | $ 95,000 |
| Coconino, Arizona | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Pima, Arizona | 1 | $ 63,000 | $ 63,000 | $ 140,000 |
| Clark, Arkansas | 1 | $ 10,000 | $ 10,000 | $ 37,000 |
| Craighead, Arkansas | 1 | $ 6,000 | $ 6,000 | $ 19,000 |
| Poinsett, Arkansas | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Pulaski, Arkansas | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| Sebastian, Arkansas | 1 | $ 15,000 | $ 15,000 | $ 9,000 |
| Alameda, California | 1 | $ 20,000 | $ 20,000 | $ 86,000 |
| Contra Costa, California | 1 | $ 10,000 | $ 10,000 | $ 92,000 |
| El Dorado, California | 1 | $ 10,000 | $ 10,000 | $ 125,000 |
| Fresno, California | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Lassen, California | 1 | $ 3,000 | $ 3,000 | $ 17,000 |
| Napa, California | 1 | $ 10,000 | $ 10,000 | $ 200,000 |
| Nevada, California | 1 | $ 8,000 | $ 8,000 | $ 43,000 |
| Orange, California | 1 | $ 15,000 | $ 15,000 | $ 120,000 |
| Placer, California | 1 | $ 11,000 | $ 11,000 | $ 79,000 |
| Riverside, California | 1 | $ 315,000 | $ 315,000 | $ 78,000 |
| Sacramento, California | 1 | $ 15,000 | $ 15,000 | $ 130,000 |
| San Francisco, California | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| San Luis Obispo, California | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Shasta, California | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Sonoma, California | 1 | $ 17,000 | $ 17,000 | $ 60,000 |
| Tulare, California | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Denver, Colorado | 1 | $ 230,000 | $ 230,000 | $ 55,000 |
| Eagle, Colorado | 1 | $ 8,000 | $ 8,000 | $ 32,000 |
| Grand, Colorado | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 123,000 | $ 123,000 | $ 80,000 |
| Routt, Colorado | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Fairfield, Connecticut | 1 | $ 10,000 | $ 10,000 | $ 192,000 |
| New Haven, Connecticut | 1 | $ 185,000 | $ 185,000 | $ 139,000 |
| Windham, Connecticut | 1 | $ 13,000 | $ 13,000 | $ 162,000 |
| New Castle, Delaware | 1 | $ 10,000 | $ 10,000 | $ 62,000 |
| Citrus, Florida | 1 | $ 8,000 | $ 8,000 | $ 50,000 |
| Duval, Florida | 1 | $ 10,000 | $ 10,000 | $ 115,000 |
| Flagler, Florida | 1 | $ 440,000 | $ 440,000 | $ 350,000 |
| Lake, Florida | 1 | $ 68,000 | $ 68,000 | $ 65,000 |
| Lee, Florida | 1 | $ 288,000 | $ 288,000 | $ 115,000 |
| Manatee, Florida | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Marion, Florida | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Monroe, Florida | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Pinellas, Florida | 1 | $ 180,000 | $ 180,000 | $ 163,000 |
| Sarasota, Florida | 1 | $ 5,000 | $ 5,000 | $ 14,000 |
| Douglas, Georgia | 1 | $ 286,000 | $ 286,000 | $ 0 |
| Houston, Georgia | 1 | $ 13,000 | $ 13,000 | $ 48,000 |
| Meriwether, Georgia | 1 | $ 10,000 | $ 10,000 | $ 45,000 |
| Polk, Georgia | 1 | $ 3,000 | $ 3,000 | $ 14,000 |
| Wilkes, Georgia | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Canyon, Idaho | 1 | $ 15,000 | $ 15,000 | $ 21,000 |
| Cumberland, Illinois | 1 | $ 117,000 | $ 117,000 | $ 50,000 |
| DuPage, Illinois | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Henry, Illinois | 1 | $ 3,000 | $ 3,000 | $ 10,000 |
| Lake, Illinois | 1 | $ 20,000 | $ 20,000 | $ 45,000 |
| Marshall, Illinois | 1 | $ 8,000 | $ 8,000 | $ 45,000 |
| Peoria, Illinois | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Sangamon, Illinois | 1 | $ 56,000 | $ 56,000 | $ 42,000 |
| Winnebago, Illinois | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Woodford, Illinois | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Crawford, Indiana | 1 | $ 42,000 | $ 42,000 | $ 90,000 |
| Madison, Indiana | 1 | $ 130,000 | $ 130,000 | $ 71,000 |
| Marion, Indiana | 1 | $ 78,000 | $ 78,000 | $ 82,000 |
| Perry, Indiana | 1 | $ 3,000 | $ 3,000 | $ 18,000 |
| Porter, Indiana | 1 | $ 64,000 | $ 64,000 | $ 113,000 |
| Vanderburgh, Indiana | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Black Hawk, Iowa | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Bremer, Iowa | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Cedar, Iowa | 1 | $ 251,000 | $ 251,000 | $ 0 |
| Chickasaw, Iowa | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Clayton, Iowa | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Keokuk, Iowa | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Madison, Iowa | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Marshall, Iowa | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Monona, Iowa | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Poweshiek, Iowa | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Sioux, Iowa | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Tama, Iowa | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Union, Iowa | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Worth, Iowa | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Butler, Kansas | 1 | $ 91,000 | $ 91,000 | $ 43,000 |
| Cowley, Kansas | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Linn, Kansas | 1 | $ 69,000 | $ 69,000 | $ 33,000 |
| Osage, Kansas | 1 | $ 82,000 | $ 82,000 | $ 32,000 |
| Thomas, Kansas | 1 | $ 9,000 | $ 9,000 | $ 37,000 |
| Hopkins, Kentucky | 1 | $ 80,000 | $ 80,000 | $ 54,000 |
| Jefferson, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 22,000 |
| Lafayette, Louisiana | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Baltimore, Maryland | 1 | $ 10,000 | $ 10,000 | $ 56,000 |
| Frederick, Maryland | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Howard, Maryland | 1 | $ 334,000 | $ 334,000 | $ 162,000 |
| Bristol, Massachusetts | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Calhoun, Michigan | 1 | $ 8,000 | $ 8,000 | $ 95,000 |
| Macomb, Michigan | 1 | $ 92,000 | $ 92,000 | $ 122,000 |
| Muskegon, Michigan | 1 | $ 13,000 | $ 13,000 | $ 61,000 |
| Dakota, Minnesota | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Hennepin, Minnesota | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Steele, Minnesota | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| Copiah, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Madison, Mississippi | 1 | $ 3,000 | $ 3,000 | $ 29,000 |
| Atchison, Missouri | 1 | $ 52,000 | $ 52,000 | $ 30,000 |
| Barry, Missouri | 1 | $ 208,000 | $ 208,000 | $ 75,000 |
| Boone, Missouri | 1 | $ 118,000 | $ 118,000 | $ 66,000 |
| Buchanan, Missouri | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Caldwell, Missouri | 1 | $ 111,000 | $ 111,000 | $ 34,000 |
| Callaway, Missouri | 1 | $ 80,000 | $ 80,000 | $ 150,000 |
| Daviess, Missouri | 1 | $ 123,000 | $ 123,000 | $ 350,000 |
| Greene, Missouri | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Jefferson, Missouri | 1 | $ 124,000 | $ 124,000 | $ 41,000 |
| Johnson, Missouri | 1 | $ 88,000 | $ 88,000 | $ 81,000 |
| St. Louis City, Missouri | 1 | $ 144,000 | $ 144,000 | $ 56,000 |
| Taney, Missouri | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Flathead, Montana | 1 | $ 276,000 | $ 276,000 | $ 75,000 |
| Yellowstone, Montana | 1 | $ 13,000 | $ 13,000 | $ 62,000 |
| Antelope, Nebraska | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Boyd, Nebraska | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Dixon, Nebraska | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Frontier, Nebraska | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Furnas, Nebraska | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Gosper, Nebraska | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Howard, Nebraska | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Keith, Nebraska | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Kimball, Nebraska | 1 | $ 66,000 | $ 66,000 | $ 0 |
| McPherson, Nebraska | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Pawnee, Nebraska | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Rock, Nebraska | 1 | $ 48,000 | $ 48,000 | $ 40,000 |
| Sherman, Nebraska | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Clark, Nevada | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Lyon, Nevada | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Hillsborough, New Hampshire | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Sullivan, New Hampshire | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Bergen, New Jersey | 1 | $ 596,000 | $ 596,000 | $ 185,000 |
| Burlington, New Jersey | 1 | $ 7,000 | $ 7,000 | $ 90,000 |
| Middlesex, New Jersey | 1 | $ 15,000 | $ 15,000 | $ 100,000 |
| Bernalillo, New Mexico | 1 | $ 134,000 | $ 134,000 | $ 91,000 |
| Nassau, New York | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
| Suffolk, New York | 1 | $ 15,000 | $ 15,000 | $ 100,000 |
| Ashe, North Carolina | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Catawba, North Carolina | 1 | $ 10,000 | $ 10,000 | $ 80,000 |
| Cherokee, North Carolina | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Columbus, North Carolina | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Guilford, North Carolina | 1 | $ 10,000 | $ 10,000 | $ 9,000 |
| Haywood, North Carolina | 1 | $ 8,000 | $ 8,000 | $ 49,000 |
| Iredell, North Carolina | 1 | $ 8,000 | $ 8,000 | $ 144,000 |
| Johnston, North Carolina | 1 | $ 8,000 | $ 8,000 | $ 49,000 |
| New Hanover, North Carolina | 1 | $ 10,000 | $ 10,000 | $ 70,000 |
| Person, North Carolina | 1 | $ 7,000 | $ 7,000 | $ 72,000 |
| Burleigh, North Dakota | 1 | $ 9,000 | $ 9,000 | $ 65,000 |
| Sioux, North Dakota | 1 | $ 45,000 | $ 45,000 | $ 13,000 |
| Butler, Ohio | 1 | $ 64,000 | $ 64,000 | $ 64,000 |
| Hamilton, Ohio | 1 | $ 198,000 | $ 198,000 | $ 180,000 |
| Hardin, Ohio | 1 | $ 3,000 | $ 3,000 | $ 20,000 |
| Lorain, Ohio | 1 | $ 5,000 | $ 5,000 | $ 66,000 |
| Scioto, Ohio | 1 | $ 10,000 | $ 10,000 | $ 52,000 |
| Union, Ohio | 1 | $ 13,000 | $ 13,000 | $ 50,000 |
| Comanche, Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 59,000 |
| Logan, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Muskogee, Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Multnomah, Oregon | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Washington, Oregon | 1 | $ 15,000 | $ 15,000 | $ 120,000 |
| Bucks, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Lancaster, Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 22,000 |
| Lawrence, Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 18,000 |
| Lycoming, Pennsylvania | 1 | $ 13,000 | $ 13,000 | $ 105,000 |
| Philadelphia, Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 38,000 |
| Washington, Pennsylvania | 1 | $ 13,000 | $ 13,000 | $ 82,000 |
| Anderson, South Carolina | 1 | $ 8,000 | $ 8,000 | $ 48,000 |
| Greenville, South Carolina | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Greenwood, South Carolina | 1 | $ 10,000 | $ 10,000 | $ 67,000 |
| Lancaster, South Carolina | 1 | $ 8,000 | $ 8,000 | $ 81,000 |
| Lexington, South Carolina | 1 | $ 15,000 | $ 15,000 | $ 100,000 |
| Richland, South Carolina | 1 | $ 10,000 | $ 10,000 | $ 20,000 |
| Clay, South Dakota | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Fall River, South Dakota | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Meade, South Dakota | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Sanborn, South Dakota | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Union, South Dakota | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 170,000 | $ 170,000 | $ 90,000 |
| Hamilton, Tennessee | 1 | $ 8,000 | $ 8,000 | $ 38,000 |
| Henry, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Knox, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Monroe, Tennessee | 1 | $ 10,000 | $ 10,000 | $ 135,000 |
| Shelby, Tennessee | 1 | $ 173,000 | $ 173,000 | $ 110,000 |
| Bell, Texas | 1 | $ 10,000 | $ 10,000 | $ 44,000 |
| Brazoria, Texas | 1 | $ 150,000 | $ 150,000 | $ 36,000 |
| Grayson, Texas | 1 | $ 129,000 | $ 129,000 | $ 30,000 |
| Harrison, Texas | 1 | $ 15,000 | $ 15,000 | $ 47,000 |
| Hays, Texas | 1 | $ 10,000 | $ 10,000 | $ 7,000 |
| Hidalgo, Texas | 1 | $ 86,000 | $ 86,000 | $ 48,000 |
| Montgomery, Texas | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Navarro, Texas | 1 | $ 15,000 | $ 15,000 | $ 5,000 |
| Ochiltree, Texas | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Williamson, Texas | 1 | $ 91,000 | $ 91,000 | $ 56,000 |
| Duchesne, Utah | 1 | $ 15,000 | $ 15,000 | $ 120,000 |
| Salt Lake, Utah | 1 | $ 13,000 | $ 13,000 | $ 67,000 |
| Utah, Utah | 1 | $ 134,000 | $ 134,000 | $ 63,000 |
| Washington, Utah | 1 | $ 270,000 | $ 270,000 | $ 275,000 |
| Albemarle, Virginia | 1 | $ 107,000 | $ 107,000 | $ 75,000 |
| Campbell, Virginia | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Lynchburg, Virginia | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| Kittitas, Washington | 1 | $ 10,000 | $ 10,000 | $ 79,000 |
| Snohomish, Washington | 1 | $ 10,000 | $ 10,000 | $ 72,000 |
| Calumet, Wisconsin | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Green, Wisconsin | 1 | $ 10,000 | $ 10,000 | $ 102,000 |
| Marinette, Wisconsin | 1 | $ 5,000 | $ 5,000 | $ 70,000 |
| Fremont, Wyoming | 1 | $ 20,000 | $ 20,000 | $ 80,000 |
| Johnson, Wyoming | 1 | $ 130,000 | $ 130,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank of Omaha in 2004
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 | 3,245 | $364,626,000 | $179,461 | $9,000,000 | $110,153 | $2,617,000 |
| Home Purchase | 2,615 | $328,077,000 | $182,827 | $9,800,000 | $82,206 | $1,882,000 |
| Home Improvement | 852 | $15,673,000 | $13,024 | $136,000 | $72,243 | $1,164,000 |
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 | 3,394 | $329,948,000 | $169,200 | $1,000,000 | $95,700 | $1,606,000 |
| Not applicable | 1,970 | $272,927,000 | $380,538 | $9,800,000 | $230 | $1,703,000 |
| Not Provided | 777 | $67,304,000 | $47,136 | $3,000,000 | $86,000 | $2,617,000 |
| Hispanic | 309 | $15,904,000 | $79,714 | $253,000 | $49,428 | $312,000 |
| Black or African American | 142 | $9,511,000 | $57,900 | $405,000 | $49,800 | $300,000 |
| Asian | 104 | $12,045,000 | $131,600 | $350,000 | $115,000 | $560,000 |
| American Indian or Alaskan Native | 13 | $531,000 | $42,500 | $152,000 | $32,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $206,000 | $83,500 | $129,000 | $15,500 | $34,000 |
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) | 6,401 | $674,107,000 | $99,369 | $9,800,000 | $81,217 | $2,617,000 |
| FHA-insured (Federal Housing Administration) | 194 | $20,475,000 | $108,166 | $208,000 | $29,500 | $138,000 |
| VA-guaranteed (Veterans Administration) | 87 | $11,684,000 | $127,000 | $245,000 | $26,833 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $2,110,000 | $69,250 | $129,000 | $2,000 | $40,000 |
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 | 3,459 | $392,009,000 | $206,379 | $9,800,000 | $125,586 | $2,617,000 |
| Loan Purchased By The Institution | 2,016 | $245,241,000 | $143,687 | $1,394,000 | $16,750 | $525,000 |
| Application Denied By Financial Institution | 535 | $18,302,000 | $16,292 | $864,000 | $64,902 | $325,000 |
| Application Approved But Not Accepted | 400 | $19,420,000 | $78,153 | $334,000 | $135,461 | $568,000 |
| Application Withdrawn By Applicant | 204 | $22,784,000 | $121,466 | $880,000 | $111,066 | $1,606,000 |
| File Closed For Incompleteness | 49 | $5,585,000 | $130,333 | $228,000 | $67,555 | $123,000 |
| Preapproval Denied by Financial Institution | 26 | $2,386,000 | $91,000 | $153,000 | $42,000 | $94,000 |
| Preapproval Approved but not Accepted | 23 | $2,649,000 | $115,000 | $228,000 | $61,000 | $109,000 |
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 | 272 | $8,611,000 | $15,354 | $454,000 | $67,193 | $200,000 |
| Debt-To-Income Ratio | 169 | $6,465,000 | $21,846 | $200,000 | $57,538 | $192,000 |
| Unverifiable Information | 45 | $826,000 | $14,565 | $165,000 | $70,565 | $325,000 |
| Other | 38 | $2,718,000 | $36,555 | $864,000 | $59,333 | $130,000 |
| Collateral | 27 | $1,562,000 | $107,250 | $198,000 | $86,750 | $180,000 |
| Employment History | 5 | $130,000 | $20,666 | $55,000 | $94,333 | $162,000 |
| Credit Application Incomplete | 3 | $171,000 | $45,000 | $96,000 | $55,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $133,000 | $133,000 | $133,000 | $57,000 | $57,000 |
| Mortgage Insurance Denied | 1 | $72,000 | $72,000 | $72,000 | $19,000 | $19,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Omaha's 2004 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 First National Bank of Omaha'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 Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.
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