First National Bank of Omaha Mortgage Lending & HMDA Data, 2010
In 2010, First National Bank of Omaha of Omaha, NE reported 11,534 mortgage applications totaling $1.8 billion, up 25% from 2009. The average application was for $158,382, and applicants reported an average income of $88,488. 70% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (4,879), Chicago-Joliet-Naperville, IL (1,146) and Fort Collins-Loveland, CO (953) (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 | 11,534 |
| Total Mortgage Loan Application Amount | $1,826,783,000 |
| Average Mortgage Loan Application Amount | $158,382 |
| Highest Mortgage Loan Application Amount | $5,700,000 |
| Average Applicant Income | $88,488 |
| Highest Applicant Income | $9,999,000 |
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records First National Bank of Omaha filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Omaha-Council Bluffs, NE-IA | 4,879 | $ 661,718,000 | $ 135,625 | $ 84,919 |
| Chicago-Joliet-Naperville, IL | 1,146 | $ 191,023,000 | $ 166,686 | $ 86,000 |
| Fort Collins-Loveland, CO | 953 | $ 174,360,000 | $ 182,959 | $ 87,000 |
| Denver-Aurora-Broomfield, CO | 649 | $ 149,681,000 | $ 230,633 | $ 121,000 |
| Greeley, CO | 378 | $ 65,085,000 | $ 172,182 | $ 70,000 |
| Lincoln, NE | 357 | $ 56,897,000 | $ 159,375 | $ 93,000 |
| Kansas City, MO-KS | 296 | $ 54,471,000 | $ 184,023 | $ 96,037 |
| Boulder, CO | 236 | $ 62,793,000 | $ 266,072 | $ 130,000 |
| Colorado Springs, CO | 159 | $ 35,524,000 | $ 223,421 | $ 84,000 |
| Dallas-Plano-Irving, TX | 61 | $ 10,443,000 | $ 171,196 | $ 135,000 |
| Rockford, IL | 39 | $ 4,747,000 | $ 121,717 | $ 53,000 |
| Pueblo, CO | 35 | $ 5,513,000 | $ 157,514 | $ 63,000 |
| Des Moines-West Des Moines, IA | 33 | $ 6,014,000 | $ 182,242 | $ 103,000 |
| Phoenix-Mesa-Glendale, AZ | 29 | $ 4,891,000 | $ 168,655 | $ 173,000 |
| Sioux Falls, SD | 19 | $ 3,797,000 | $ 199,842 | $ 81,000 |
| Cheyenne, WY | 16 | $ 2,889,000 | $ 180,562 | $ 63,000 |
| Lake County-Kenosha County, IL-WI | 13 | $ 2,191,000 | $ 168,538 | $ 149,538 |
| Cedar Rapids, IA | 9 | $ 1,390,000 | $ 154,444 | $ 68,000 |
| Las Cruces, NM | 9 | $ 1,501,000 | $ 166,777 | $ 60,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 3,155,000 | $ 350,555 | $ 312,222 |
| Grand Junction, CO | 8 | $ 2,135,000 | $ 266,875 | $ 83,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 2,015,000 | $ 251,875 | $ 112,000 |
| Manhattan, KS | 7 | $ 2,501,000 | $ 357,285 | $ 161,000 |
| Rapid City, SD | 7 | $ 1,106,000 | $ 158,000 | $ 100,000 |
| St. Louis, MO-IL | 7 | $ 1,672,000 | $ 238,857 | $ 209,000 |
| Albuquerque, NM | 6 | $ 1,274,000 | $ 212,333 | $ 62,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 1,070,000 | $ 178,333 | $ 73,333 |
| Fort Worth-Arlington, TX | 6 | $ 584,000 | $ 97,333 | $ 112,000 |
| Reno-Sparks, NV | 6 | $ 2,615,000 | $ 435,833 | $ 48,000 |
| Wichita, KS | 6 | $ 1,460,000 | $ 243,333 | $ 232,000 |
| Anchorage, AK | 5 | $ 1,078,000 | $ 215,600 | $ 59,000 |
| Austin-Round Rock-San Marcos, TX | 5 | $ 988,000 | $ 197,600 | $ 76,000 |
| Provo-Orem, UT | 5 | $ 964,000 | $ 192,800 | $ 57,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 2,479,000 | $ 495,800 | $ 344,000 |
| Sioux City, IA-NE-SD | 5 | $ 744,000 | $ 148,800 | $ 85,200 |
| Charleston-North Charleston-Summerville, SC | 4 | $ 1,399,000 | $ 349,750 | $ 190,000 |
| Madison, WI | 4 | $ 798,000 | $ 199,500 | $ 60,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 622,000 | $ 155,500 | $ 45,000 |
| Oshkosh-Neenah, WI | 4 | $ 459,000 | $ 114,750 | $ 63,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 1,444,000 | $ 361,000 | $ 94,000 |
| Tucson, AZ | 4 | $ 655,000 | $ 163,750 | $ 300,000 |
| Champaign-Urbana, IL | 3 | $ 207,000 | $ 69,000 | $ 40,000 |
| Eau Claire, WI | 3 | $ 712,000 | $ 237,333 | $ 148,000 |
| Indianapolis-Carmel, IN | 3 | $ 692,000 | $ 230,666 | $ 164,000 |
| Jacksonville, FL | 3 | $ 741,000 | $ 247,000 | $ 56,000 |
| Las Vegas-Paradise, NV | 3 | $ 686,000 | $ 228,666 | $ 80,000 |
| Lawrence, KS | 3 | $ 949,000 | $ 316,333 | $ 76,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 684,000 | $ 228,000 | $ 84,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,317,000 | $ 439,000 | $ 101,000 |
| Oklahoma City, OK | 3 | $ 577,000 | $ 192,333 | $ 86,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 261,000 | $ 87,000 | $ 103,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 899,000 | $ 299,666 | $ 98,000 |
| Bend, OR | 2 | $ 434,000 | $ 217,000 | $ 325,000 |
| Boise City-Nampa, ID | 2 | $ 504,000 | $ 252,000 | $ 96,000 |
| Casper, WY | 2 | $ 332,000 | $ 166,000 | $ 79,000 |
| El Paso, TX | 2 | $ 373,000 | $ 186,500 | $ 108,000 |
| Honolulu, HI | 2 | $ 843,000 | $ 421,500 | $ 90,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 266,000 | $ 133,000 | $ 66,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 496,000 | $ 248,000 | $ 275,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 263,000 | $ 131,500 | $ 70,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 424,000 | $ 212,000 | $ 135,000 |
| Logan, UT-ID | 2 | $ 281,000 | $ 140,500 | $ 43,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 357,000 | $ 178,500 | $ 77,000 |
| Morgantown, WV | 2 | $ 374,000 | $ 187,000 | $ 93,000 |
| Newark-Union, NJ-PA | 2 | $ 609,000 | $ 304,500 | $ 122,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 358,000 | $ 179,000 | $ 73,000 |
| Peoria, IL | 2 | $ 302,000 | $ 151,000 | $ 253,000 |
| Prescott, AZ | 2 | $ 232,000 | $ 116,000 | $ 81,000 |
| Salt Lake City, UT | 2 | $ 479,000 | $ 239,500 | $ 146,000 |
| San Antonio-New Braunfels, TX | 2 | $ 675,000 | $ 337,500 | $ 163,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 4,561,000 | $ 2,280,500 | $ 408,000 |
| Santa Fe, NM | 2 | $ 412,000 | $ 206,000 | $ 50,000 |
| Springfield, MO | 2 | $ 147,000 | $ 73,500 | $ 70,000 |
| St. George, UT | 2 | $ 310,000 | $ 155,000 | $ 66,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 455,000 | $ 227,500 | $ 202,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Bakersfield-Delano, CA | 1 | $ 381,000 | $ 381,000 | $ 140,000 |
| Billings, MT | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Bremerton-Silverdale, WA | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 417,000 | $ 417,000 | $ 384,000 |
| Brownsville-Harlingen, TX | 1 | $ 119,000 | $ 119,000 | $ 69,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 125,000 | $ 125,000 | $ 248,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 106,000 | $ 106,000 | $ 53,000 |
| Charleston, WV | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 70,000 | $ 70,000 | $ 27,000 |
| Clarksville, TN-KY | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Dayton, OH | 1 | $ 92,000 | $ 92,000 | $ 186,000 |
| Dubuque, IA | 1 | $ 229,000 | $ 229,000 | $ 118,000 |
| Duluth, MN-WI | 1 | $ 236,000 | $ 236,000 | $ 52,000 |
| Fairbanks, AK | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Farmington, NM | 1 | $ 200,000 | $ 200,000 | $ 109,000 |
| Flagstaff, AZ | 1 | $ 237,000 | $ 237,000 | $ 215,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 190,000 | $ 190,000 | $ 66,000 |
| Gainesville, GA | 1 | $ 124,000 | $ 124,000 | $ 90,000 |
| Grand Forks, ND-MN | 1 | $ 128,000 | $ 128,000 | $ 107,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 118,000 | $ 118,000 | $ 50,000 |
| Green Bay, WI | 1 | $ 242,000 | $ 242,000 | $ 228,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 212,000 | $ 212,000 | $ 52,000 |
| Janesville, WI | 1 | $ 51,000 | $ 51,000 | $ 18,000 |
| Kankakee-Bradley, IL | 1 | $ 107,000 | $ 107,000 | $ 59,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Lafayette, IN | 1 | $ 121,000 | $ 121,000 | $ 61,000 |
| Lakeland-Winter Haven, FL | 1 | $ 137,000 | $ 137,000 | $ 147,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 580,000 | $ 580,000 | $ 347,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 85,000 | $ 85,000 | $ 93,000 |
| Michigan City-La Porte, IN | 1 | $ 281,000 | $ 281,000 | $ 197,000 |
| Missoula, MT | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 535,000 | $ 535,000 | $ 477,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 200,000 | $ 200,000 | $ 49,000 |
| Ogden-Clearfield, UT | 1 | $ 160,000 | $ 160,000 | $ 62,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 350,000 | $ 350,000 | $ 136,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 207,000 | $ 207,000 | $ 111,000 |
| Peabody, MA | 1 | $ 400,000 | $ 400,000 | $ 143,000 |
| Philadelphia, PA | 1 | $ 1,500,000 | $ 1,500,000 | $ 218,000 |
| Racine, WI | 1 | $ 84,000 | $ 84,000 | $ 367,000 |
| Raleigh-Cary, NC | 1 | $ 240,000 | $ 240,000 | $ 47,000 |
| Savannah, GA | 1 | $ 138,000 | $ 138,000 | $ 67,000 |
| Sebastian-Vero Beach, FL | 1 | $ 316,000 | $ 316,000 | $ 143,000 |
| Sheboygan, WI | 1 | $ 128,000 | $ 128,000 | $ 76,000 |
| Sherman-Denison, TX | 1 | $ 120,000 | $ 120,000 | $ 27,000 |
| Syracuse, NY | 1 | $ 89,000 | $ 89,000 | $ 36,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 179,000 | $ 179,000 | $ 78,000 |
| Tulsa, OK | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Tuscaloosa, AL | 1 | $ 220,000 | $ 220,000 | $ 95,000 |
| Wheeling, WV-OH | 1 | $ 73,000 | $ 73,000 | $ 40,000 |
| Worcester, MA | 1 | $ 323,000 | $ 323,000 | $ 108,000 |
| Yuma, AZ | 1 | $ 173,000 | $ 173,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank of Omaha 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 |
|---|---|---|---|---|---|---|
| Refinancing | 7,500 | $1,241,971,000 | $165,000 | $5,700,000 | $94,000 | $9,999,000 |
| Home Purchase | 3,268 | $533,011,000 | $163,000 | $2,880,000 | $79,000 | $3,055,000 |
| Home Improvement | 766 | $51,801,000 | $67,000 | $1,500,000 | $75,000 | $2,400,000 |
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 | 8,635 | $1,338,134,000 | $154,000 | $4,000,000 | $91,000 | $9,999,000 |
| Not Provided | 2,093 | $374,888,000 | $179,000 | $1,629,000 | $88,000 | $1,581,000 |
| Hispanic | 479 | $55,947,000 | $116,000 | $538,000 | $61,000 | $935,000 |
| Asian | 121 | $19,361,000 | $160,000 | $417,000 | $104,000 | $500,000 |
| Black or African American | 95 | $11,728,000 | $123,000 | $465,000 | $80,000 | $365,000 |
| Not applicable | 86 | $23,769,000 | $276,000 | $5,700,000 | $0 | $0 |
| American Indian or Alaskan Native | 13 | $994,000 | $76,000 | $218,000 | $54,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $1,962,000 | $163,000 | $563,000 | $62,000 | $118,000 |
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) | 9,114 | $1,445,267,000 | $158,000 | $5,700,000 | $96,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 1,958 | $296,756,000 | $151,000 | $491,000 | $58,000 | $3,055,000 |
| VA-guaranteed (Veterans Administration) | 369 | $72,480,000 | $196,000 | $564,000 | $62,000 | $337,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 93 | $12,280,000 | $132,000 | $358,000 | $50,000 | $325,000 |
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 | 8,047 | $1,250,120,000 | $155,000 | $5,700,000 | $89,000 | $6,327,000 |
| Application Withdrawn By Applicant | 1,329 | $268,126,000 | $201,000 | $4,000,000 | $102,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,051 | $132,859,000 | $126,000 | $1,500,000 | $75,000 | $932,000 |
| Application Approved But Not Accepted | 436 | $54,681,000 | $125,000 | $1,032,000 | $82,000 | $900,000 |
| File Closed For Incompleteness | 324 | $57,067,000 | $176,000 | $1,000,000 | $85,000 | $360,000 |
| Loan Purchased By The Institution | 215 | $44,397,000 | $206,000 | $417,000 | $102,000 | $433,000 |
| Preapproval Approved but not Accepted | 94 | $13,998,000 | $148,000 | $417,000 | $57,000 | $262,000 |
| Preapproval Denied by Financial Institution | 38 | $5,535,000 | $145,000 | $538,000 | $42,000 | $155,000 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 362 | $59,402,000 | $164,000 | $1,500,000 | $97,000 | $932,000 |
| Credit History | 320 | $24,606,000 | $76,000 | $511,000 | $67,000 | $381,000 |
| Debt-To-Income Ratio | 297 | $40,559,000 | $136,000 | $1,500,000 | $53,000 | $372,000 |
| Other | 53 | $5,545,000 | $104,000 | $360,000 | $78,000 | $391,000 |
| Unverifiable Information | 24 | $3,309,000 | $137,000 | $388,000 | $54,000 | $155,000 |
| Employment History | 12 | $1,718,000 | $143,000 | $289,000 | $58,000 | $169,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,476,000 | $134,000 | $270,000 | $61,000 | $139,000 |
| Mortgage Insurance Denied | 10 | $1,779,000 | $177,000 | $368,000 | $83,000 | $221,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Omaha'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 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.
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