First National Bank of Omaha Mortgage Lending & HMDA Data, 2006
In 2006, First National Bank of Omaha of Omaha, NE reported 7,236 mortgage applications totaling $690.5 million, down 6% from 2005. The average application was for $95,421, and applicants reported an average income of $75,584. 74% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (4,541), Lincoln, NE (596) and Chicago-Naperville-Joliet, IL (215) (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 | 7,236 |
| Total Mortgage Loan Application Amount | $690,467,000 |
| Average Mortgage Loan Application Amount | $95,421 |
| Highest Mortgage Loan Application Amount | $9,000,000 |
| Average Applicant Income | $75,584 |
| Highest Applicant Income | $6,000,000 |
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records First National Bank of Omaha filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,541 | $ 387,931,000 | $ 85,428 | $ 74,397 |
| Lincoln, NE | 596 | $ 66,387,000 | $ 111,387 | $ 80,000 |
| Chicago-Naperville-Joliet, IL | 215 | $ 32,710,000 | $ 152,139 | $ 89,000 |
| Cedar Rapids, IA | 114 | $ 16,309,000 | $ 143,061 | $ 71,000 |
| Des Moines-West Des Moines, IA | 83 | $ 5,533,000 | $ 66,662 | $ 78,000 |
| Sioux Falls, SD | 48 | $ 7,337,000 | $ 152,854 | $ 70,000 |
| Kansas City, MO-KS | 33 | $ 2,934,000 | $ 88,909 | $ 74,787 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 26 | $ 5,932,000 | $ 228,153 | $ 87,884 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 2,544,000 | $ 195,692 | $ 1,732,000 |
| Sioux City, IA-NE-SD | 10 | $ 664,000 | $ 66,400 | $ 69,200 |
| Denver-Aurora, CO | 7 | $ 1,540,000 | $ 220,000 | $ 124,000 |
| Dallas-Plano-Irving, TX | 6 | $ 1,319,000 | $ 219,833 | $ 116,000 |
| Iowa City, IA | 6 | $ 931,000 | $ 155,166 | $ 76,000 |
| Rockford, IL | 6 | $ 765,000 | $ 127,500 | $ 68,000 |
| Ames, IA | 4 | $ 322,000 | $ 80,500 | $ 60,000 |
| Colorado Springs, CO | 4 | $ 472,000 | $ 118,000 | $ 72,000 |
| Bloomington-Normal, IL | 3 | $ 315,000 | $ 105,000 | $ 74,000 |
| St. Joseph, MO-KS | 3 | $ 230,000 | $ 76,666 | $ 61,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 725,000 | $ 241,666 | $ 133,000 |
| Wichita, KS | 3 | $ 289,000 | $ 96,333 | $ 65,000 |
| Boulder, CO | 2 | $ 30,000 | $ 15,000 | $ 73,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 329,000 | $ 164,500 | $ 364,000 |
| Rapid City, SD | 2 | $ 340,000 | $ 170,000 | $ 138,000 |
| Sheboygan, WI | 2 | $ 384,000 | $ 192,000 | $ 79,000 |
| St. Louis, MO-IL | 2 | $ 285,000 | $ 142,500 | $ 73,000 |
| Albuquerque, NM | 1 | $ 108,000 | $ 108,000 | $ 56,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 350,000 | $ 350,000 | $ 170,000 |
| Austin-Round Rock, TX | 1 | $ 98,000 | $ 98,000 | $ 79,000 |
| Bakersfield, CA | 1 | $ 226,000 | $ 226,000 | $ 55,000 |
| Boise City-Nampa, ID | 1 | $ 417,000 | $ 417,000 | $ 150,000 |
| Champaign-Urbana, IL | 1 | $ 132,000 | $ 132,000 | $ 84,000 |
| Columbia, MO | 1 | $ 108,000 | $ 108,000 | $ 31,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 191,000 | $ 191,000 | $ 44,000 |
| Fort Worth-Arlington, TX | 1 | $ 54,000 | $ 54,000 | $ 35,000 |
| Greeley, CO | 1 | $ 172,000 | $ 172,000 | $ 70,000 |
| Indianapolis-Carmel, IN | 1 | $ 417,000 | $ 417,000 | $ 160,000 |
| Joplin, MO | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| Las Vegas-Paradise, NV | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Madison, WI | 1 | $ 228,000 | $ 228,000 | $ 40,000 |
| Michigan City-La Porte, IN | 1 | $ 304,000 | $ 304,000 | $ 151,000 |
| Oklahoma City, OK | 1 | $ 92,000 | $ 92,000 | $ 152,000 |
| Orlando-Kissimmee, FL | 1 | $ 254,000 | $ 254,000 | $ 93,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 190,000 | $ 190,000 | $ 131,000 |
| Rochester, MN | 1 | $ 173,000 | $ 173,000 | $ 75,000 |
| San Antonio, TX | 1 | $ 170,000 | $ 170,000 | $ 77,000 |
| Springfield, MO | 1 | $ 70,000 | $ 70,000 | $ 89,000 |
| Topeka, KS | 1 | $ 31,000 | $ 31,000 | $ 112,000 |
| Tucson, AZ | 1 | $ 189,000 | $ 189,000 | $ 54,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 225,000 | $ 225,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for First National Bank of Omaha in 2006
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 | 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 |
| Home Improvement | 1,237 | $36,668,000 | $29,000 | $1,000,000 | $71,000 | $738,000 |
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 | 6,045 | $570,639,000 | $94,000 | $1,000,000 | $74,000 | $1,179,000 |
| Not Provided | 488 | $44,348,000 | $90,000 | $588,000 | $90,000 | $6,000,000 |
| Hispanic | 378 | $25,001,000 | $66,000 | $393,000 | $44,000 | $212,000 |
| Black or African American | 189 | $11,076,000 | $58,000 | $287,000 | $54,000 | $248,000 |
| Asian | 87 | $10,848,000 | $124,000 | $1,100,000 | $85,000 | $1,000,000 |
| Not applicable | 33 | $26,883,000 | $814,000 | $9,000,000 | $651,000 | $5,022,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $988,000 | $109,000 | $202,000 | $53,000 | $90,000 |
| American Indian or Alaskan Native | 7 | $684,000 | $97,000 | $248,000 | $43,000 | $88,000 |
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) | 7,074 | $670,801,000 | $94,000 | $9,000,000 | $76,000 | $6,000,000 |
| VA-guaranteed (Veterans Administration) | 79 | $11,198,000 | $141,000 | $323,000 | $55,000 | $145,000 |
| 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 |
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 | 5,390 | $545,266,000 | $101,000 | $9,000,000 | $77,000 | $5,022,000 |
| 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 |
| Loan Purchased By The Institution | 280 | $46,533,000 | $166,000 | $500,000 | $84,000 | $560,000 |
| Application Withdrawn By Applicant | 135 | $16,164,000 | $119,000 | $614,000 | $120,000 | $6,000,000 |
| Preapproval Denied by Financial Institution | 63 | $7,303,000 | $115,000 | $1,000,000 | $41,000 | $428,000 |
| File Closed For Incompleteness | 20 | $3,436,000 | $171,000 | $620,000 | $63,000 | $172,000 |
| Preapproval Approved but not Accepted | 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 | 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 |
| 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 |
| Other | 25 | $2,359,000 | $94,000 | $1,000,000 | $91,000 | $428,000 |
| 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 |
| Unverifiable Information | 2 | $51,000 | $25,000 | $26,000 | $79,000 | $108,000 |
| Mortgage Insurance Denied | 1 | $57,000 | $57,000 | $57,000 | $35,000 | $35,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Omaha's 2006 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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