First National Bank of Omaha Mortgage Lending & HMDA Data, 2022

In 2022, First National Bank of Omaha of Omaha, NE reported 10,691 mortgage applications totaling $2.4 billion, down 33% from 2021. The average application was for $223,767, and applicants reported an average income of $124,646. 67% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (4,134), Fort Collins, CO (930) and Kansas City, MO-KS (759) (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 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 10,691
Total Mortgage Loan Application Amount $2,392,295,000
Average Mortgage Loan Application Amount $223,767
Highest Mortgage Loan Application Amount $45,565,000
Average Applicant Income $124,646
Highest Applicant Income $5,127,000

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records First National Bank of Omaha filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First National Bank of Omaha by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Douglas, Nebraska 2,658 $ 443,800,000 $ 166,967 $ 126,000
Larimer, Colorado 930 $ 203,350,000 $ 218,655 $ 145,000
Sarpy, Nebraska 814 $ 210,910,000 $ 259,103 $ 119,000
Weld, Colorado 537 $ 146,045,000 $ 271,964 $ 122,000
Johnson, Kansas 463 $ 88,295,000 $ 190,701 $ 161,000
Pottawattamie, Iowa 382 $ 55,820,000 $ 146,125 $ 93,000
Lancaster, Nebraska 366 $ 69,750,000 $ 190,573 $ 123,000
DeKalb, Illinois 265 $ 35,525,000 $ 134,056 $ 104,000
Buffalo, Nebraska 251 $ 46,855,000 $ 186,673 $ 117,000
Dodge, Nebraska 237 $ 29,155,000 $ 123,016 $ 92,000
McHenry, Illinois 217 $ 25,085,000 $ 115,599 $ 93,000
Kane, Illinois 213 $ 30,125,000 $ 141,431 $ 98,000
Hall, Nebraska 211 $ 29,555,000 $ 140,071 $ 84,000
Boulder, Colorado 184 $ 57,040,000 $ 310,000 $ 179,000
Jackson, Missouri 150 $ 27,780,000 $ 185,200 $ 114,000
Kendall, Illinois 134 $ 18,810,000 $ 140,373 $ 104,000
Lincoln, Nebraska 118 $ 14,910,000 $ 126,355 $ 97,000
Scotts Bluff, Nebraska 92 $ 12,710,000 $ 138,152 $ 90,000
Platte, Nebraska 85 $ 13,715,000 $ 161,352 $ 109,000
Mills, Iowa 71 $ 8,855,000 $ 124,718 $ 101,000
Washington, Nebraska 70 $ 16,010,000 $ 228,714 $ 147,000
Box Butte, Nebraska 66 $ 5,950,000 $ 90,151 $ 74,000
Gage, Nebraska 64 $ 8,420,000 $ 131,562 $ 78,000
Cass, Nebraska 59 $ 9,975,000 $ 169,067 $ 127,000
Collin, Texas 55 $ 18,675,000 $ 339,545 $ 154,000
Saunders, Nebraska 53 $ 9,795,000 $ 184,811 $ 128,000
LaSalle, Illinois 52 $ 6,400,000 $ 123,076 $ 95,000
Madison, Nebraska 51 $ 8,465,000 $ 165,980 $ 78,000
Adams, Colorado 50 $ 11,320,000 $ 226,400 $ 169,000
Cook, Illinois 49 $ 18,965,000 $ 387,040 $ 182,000
Yankton, South Dakota 49 $ 8,125,000 $ 165,816 $ 113,000
Dallas, Texas 49 $ 18,565,000 $ 378,877 $ 190,000
Boone, Illinois 48 $ 4,410,000 $ 91,875 $ 78,000
Laramie, Wyoming 48 $ 11,750,000 $ 244,791 $ 154,000
Jefferson, Colorado 40 $ 41,340,000 $ 1,033,500 $ 256,000
DuPage, Illinois 40 $ 8,320,000 $ 208,000 $ 104,000
Denton, Texas 40 $ 18,930,000 $ 473,250 $ 224,000
Wyandotte, Kansas 38 $ 6,030,000 $ 158,684 $ 91,000
Minnehaha, South Dakota 34 $ 12,040,000 $ 354,117 $ 160,000
Adams, Nebraska 33 $ 3,555,000 $ 107,727 $ 76,000
Albany, Wyoming 33 $ 15,005,000 $ 454,696 $ 215,000
Leavenworth, Kansas 30 $ 4,630,000 $ 154,333 $ 95,000
Clay, Missouri 30 $ 5,940,000 $ 198,000 $ 122,000
Winnebago, Illinois 29 $ 3,235,000 $ 111,551 $ 106,000
Tarrant, Texas 29 $ 10,525,000 $ 362,931 $ 186,000
Denver, Colorado 27 $ 22,925,000 $ 849,074 $ 153,000
Will, Illinois 27 $ 5,055,000 $ 187,222 $ 99,000
Harrison, Iowa 27 $ 3,625,000 $ 134,259 $ 86,000
Dawson, Nebraska 27 $ 4,245,000 $ 157,222 $ 83,000
Kearney, Nebraska 26 $ 3,000,000 $ 115,384 $ 66,000
Butler, Nebraska 23 $ 2,115,000 $ 91,956 $ 65,000
Dawes, Nebraska 22 $ 2,810,000 $ 127,727 $ 109,000
Arapahoe, Colorado 19 $ 4,755,000 $ 250,263 $ 134,000
Broomfield, Colorado 19 $ 41,455,000 $ 2,181,842 $ 173,000
Ogle, Illinois 19 $ 2,175,000 $ 114,473 $ 100,000
Miami, Kansas 19 $ 3,375,000 $ 177,631 $ 162,000
Davison, South Dakota 19 $ 2,505,000 $ 131,842 $ 75,000
Otoe, Nebraska 18 $ 2,320,000 $ 128,888 $ 74,000
Phelps, Nebraska 17 $ 4,315,000 $ 253,823 $ 204,000
Maricopa, Arizona 16 $ 7,430,000 $ 464,375 $ 201,000
Shelby, Iowa 15 $ 2,445,000 $ 163,000 $ 69,000
Lincoln, South Dakota 15 $ 4,675,000 $ 311,666 $ 202,000
Cass, Missouri 14 $ 3,650,000 $ 260,714 $ 181,000
Merrick, Nebraska 14 $ 2,170,000 $ 155,000 $ 73,000
Douglas, Colorado 12 $ 3,780,000 $ 315,000 $ 308,000
Hamilton, Nebraska 12 $ 2,210,000 $ 184,166 $ 74,000
Lake, Illinois 10 $ 3,020,000 $ 302,000 $ 244,000
Platte, Missouri 10 $ 1,820,000 $ 182,000 $ 216,000
Cedar, Nebraska 10 $ 940,000 $ 94,000 $ 81,000
Custer, Nebraska 10 $ 960,000 $ 96,000 $ 63,000
Saline, Nebraska 10 $ 1,000,000 $ 100,000 $ 77,000
Bon Homme, South Dakota 10 $ 1,410,000 $ 141,000 $ 78,000
Harris, Texas 10 $ 3,700,000 $ 370,000 $ 130,000
Oklahoma, Oklahoma 9 $ 2,015,000 $ 223,888 $ 104,000
Knox, Nebraska 8 $ 1,270,000 $ 158,750 $ 79,000
Eagle, Colorado 7 $ 2,005,000 $ 286,428 $ 151,000
Fremont, Iowa 7 $ 865,000 $ 123,571 $ 89,000
Burt, Nebraska 7 $ 1,475,000 $ 210,714 $ 81,000
Cheyenne, Nebraska 7 $ 805,000 $ 115,000 $ 75,000
Jefferson, Nebraska 7 $ 625,000 $ 89,285 $ 93,000
Keith, Nebraska 7 $ 1,785,000 $ 255,000 $ 104,000
Morrill, Nebraska 7 $ 875,000 $ 125,000 $ 73,000
Polk, Nebraska 7 $ 865,000 $ 123,571 $ 66,000
Seward, Nebraska 7 $ 815,000 $ 116,428 $ 78,000
Stanton, Nebraska 7 $ 915,000 $ 130,714 $ 64,000
Walworth, Wisconsin 7 $ 1,785,000 $ 255,000 $ 136,000
El Paso, Colorado 6 $ 2,220,000 $ 370,000 $ 228,000
Grand, Colorado 6 $ 1,350,000 $ 225,000 $ 150,000
Lee, Florida 6 $ 1,640,000 $ 273,333 $ 106,000
Grundy, Illinois 6 $ 1,320,000 $ 220,000 $ 118,000
Polk, Iowa 6 $ 1,770,000 $ 295,000 $ 135,000
Douglas, Kansas 6 $ 500,000 $ 83,333 $ 125,000
Howard, Nebraska 6 $ 770,000 $ 128,333 $ 91,000
Collier, Florida 5 $ 2,225,000 $ 445,000 $ 212,000
Hennepin, Minnesota 5 $ 104,445,000 $ 20,889,000 $ 102,000
Colfax, Nebraska 5 $ 535,000 $ 107,000 $ 60,000
York, Nebraska 5 $ 855,000 $ 171,000 $ 82,000
Bexar, Texas 5 $ 2,095,000 $ 419,000 $ 291,000
Hunt, Texas 5 $ 1,415,000 $ 283,000 $ 112,000
Logan, Colorado 4 $ 820,000 $ 205,000 $ 77,000
Morgan, Colorado 4 $ 520,000 $ 130,000 $ 104,000
Park, Colorado 4 $ 1,020,000 $ 255,000 $ 159,000
Summit, Colorado 4 $ 2,210,000 $ 552,500 $ 192,000
Yuma, Colorado 4 $ 1,310,000 $ 327,500 $ 192,000
Marion, Indiana 4 $ 630,000 $ 157,500 $ 113,000
Monona, Iowa 4 $ 530,000 $ 132,500 $ 116,000
Montgomery, Iowa 4 $ 260,000 $ 65,000 $ 110,000
Page, Iowa 4 $ 620,000 $ 155,000 $ 75,000
Franklin, Kansas 4 $ 420,000 $ 105,000 $ 69,000
Sedgwick, Kansas 4 $ 1,180,000 $ 295,000 $ 95,000
Gosper, Nebraska 4 $ 510,000 $ 127,500 $ 67,000
Holt, Nebraska 4 $ 590,000 $ 147,500 $ 156,000
Kimball, Nebraska 4 $ 540,000 $ 135,000 $ 69,000
Nemaha, Nebraska 4 $ 510,000 $ 127,500 $ 104,000
Sheridan, Nebraska 4 $ 260,000 $ 65,000 $ 63,000
Bucks, Pennsylvania 4 $ 970,000 $ 242,500 $ 97,000
Beadle, South Dakota 4 $ 380,000 $ 95,000 $ 44,000
Erath, Texas 4 $ 440,000 $ 110,000 $ 0
Rock, Wisconsin 4 $ 940,000 $ 235,000 $ 170,000
Pinal, Arizona 3 $ 1,595,000 $ 531,666 $ 460,000
Mesa, Colorado 3 $ 555,000 $ 185,000 $ 65,000
Ouray, Colorado 3 $ 995,000 $ 331,666 $ 197,000
San Miguel, Colorado 3 $ 1,175,000 $ 391,666 $ 173,000
Stephenson, Illinois 3 $ 615,000 $ 205,000 $ 86,000
Cass, Iowa 3 $ 265,000 $ 88,333 $ 69,000
Crawford, Iowa 3 $ 325,000 $ 108,333 $ 55,000
Oakland, Michigan 3 $ 695,000 $ 231,666 $ 170,000
Camden, Missouri 3 $ 815,000 $ 271,666 $ 268,000
Ray, Missouri 3 $ 625,000 $ 208,333 $ 76,000
Boone, Nebraska 3 $ 445,000 $ 148,333 $ 100,000
Cuming, Nebraska 3 $ 495,000 $ 165,000 $ 125,000
Deuel, Nebraska 3 $ 475,000 $ 158,333 $ 65,000
Franklin, Nebraska 3 $ 175,000 $ 58,333 $ 64,000
Furnas, Nebraska 3 $ 515,000 $ 171,666 $ 91,000
Perkins, Nebraska 3 $ 585,000 $ 195,000 $ 305,000
Richardson, Nebraska 3 $ 365,000 $ 121,666 $ 72,000
Morris, New Jersey 3 $ 1,075,000 $ 358,333 $ 134,000
Franklin, Ohio 3 $ 395,000 $ 131,666 $ 79,000
Tulsa, Oklahoma 3 $ 1,095,000 $ 365,000 $ 123,000
Lawrence, South Dakota 3 $ 765,000 $ 255,000 $ 458,000
Sanborn, South Dakota 3 $ 195,000 $ 65,000 $ 88,000
Fort Bend, Texas 3 $ 1,185,000 $ 395,000 $ 145,000
Grayson, Texas 3 $ 915,000 $ 305,000 $ 172,000
McLennan, Texas 3 $ 785,000 $ 261,666 $ 70,000
Montgomery, Texas 3 $ 1,415,000 $ 471,666 $ 244,000
Parker, Texas 3 $ 1,305,000 $ 435,000 $ 217,000
Rockwall, Texas 3 $ 1,055,000 $ 351,666 $ 164,000
Travis, Texas 3 $ 1,875,000 $ 625,000 $ 642,000
Carbon, Wyoming 3 $ 505,000 $ 168,333 $ 98,000
Pima, Arizona 2 $ 630,000 $ 315,000 $ 119,000
Yavapai, Arizona 2 $ 260,000 $ 130,000 $ 139,000
Los Angeles, California 2 $ 2,160,000 $ 1,080,000 $ 271,000
Riverside, California 2 $ 750,000 $ 375,000 $ 99,000
San Bernardino, California 2 $ 790,000 $ 395,000 $ 215,000
La Plata, Colorado 2 $ 710,000 $ 355,000 $ 146,000
Lake, Colorado 2 $ 160,000 $ 80,000 $ 75,000
Pueblo, Colorado 2 $ 620,000 $ 310,000 $ 134,000
Routt, Colorado 2 $ 400,000 $ 200,000 $ 196,000
Fairfield, Connecticut 2 $ 380,000 $ 190,000 $ 158,000
Escambia, Florida 2 $ 280,000 $ 140,000 $ 45,000
Marion, Florida 2 $ 630,000 $ 315,000 $ 159,000
Palm Beach, Florida 2 $ 730,000 $ 365,000 $ 80,000
Sarasota, Florida 2 $ 1,960,000 $ 980,000 $ 588,000
Fulton, Georgia 2 $ 420,000 $ 210,000 $ 83,000
Ada, Idaho 2 $ 410,000 $ 205,000 $ 70,000
Adams, Illinois 2 $ 270,000 $ 135,000 $ 90,000
Lee, Illinois 2 $ 160,000 $ 80,000 $ 42,000
Lake, Indiana 2 $ 320,000 $ 160,000 $ 61,000
Dallas, Iowa 2 $ 690,000 $ 345,000 $ 223,000
Scott, Iowa 2 $ 620,000 $ 310,000 $ 125,000
Webster, Iowa 2 $ 310,000 $ 155,000 $ 88,000
Crawford, Kansas 2 $ 430,000 $ 215,000 $ 159,000
Shawnee, Kansas 2 $ 190,000 $ 95,000 $ 85,000
Jefferson, Kentucky 2 $ 150,000 $ 75,000 $ 57,000
Montgomery, Maryland 2 $ 1,100,000 $ 550,000 $ 134,000
Macomb, Michigan 2 $ 290,000 $ 145,000 $ 66,000
Wayne, Michigan 2 $ 460,000 $ 230,000 $ 74,000
Atchison, Missouri 2 $ 170,000 $ 85,000 $ 86,000
Benton, Missouri 2 $ 420,000 $ 210,000 $ 104,000
Buchanan, Missouri 2 $ 510,000 $ 255,000 $ 60,000
Clinton, Missouri 2 $ 250,000 $ 125,000 $ 79,000
Jefferson, Missouri 2 $ 670,000 $ 335,000 $ 122,000
Dundy, Nebraska 2 $ 670,000 $ 335,000 $ 79,000
Garden, Nebraska 2 $ 50,000 $ 25,000 $ 64,000
Harlan, Nebraska 2 $ 280,000 $ 140,000 $ 96,000
Johnson, Nebraska 2 $ 410,000 $ 205,000 $ 53,000
Logan, Nebraska 2 $ 250,000 $ 125,000 $ 84,000
Pierce, Nebraska 2 $ 170,000 $ 85,000 $ 47,000
Sherman, Nebraska 2 $ 230,000 $ 115,000 $ 72,000
Sioux, Nebraska 2 $ 210,000 $ 105,000 $ 58,000
Valley, Nebraska 2 $ 160,000 $ 80,000 $ 41,000
Camden, New Jersey 2 $ 240,000 $ 120,000 $ 89,000
Middlesex, New Jersey 2 $ 790,000 $ 395,000 $ 116,000
Monmouth, New Jersey 2 $ 440,000 $ 220,000 $ 141,000
Brunswick, North Carolina 2 $ 590,000 $ 295,000 $ 167,000
Hamilton, Ohio 2 $ 420,000 $ 210,000 $ 82,000
Lancaster, Pennsylvania 2 $ 410,000 $ 205,000 $ 75,000
Aurora, South Dakota 2 $ 140,000 $ 70,000 $ 54,000
Clay, South Dakota 2 $ 1,110,000 $ 555,000 $ 66,000
Hutchinson, South Dakota 2 $ 80,000 $ 40,000 $ 41,000
McCook, South Dakota 2 $ 430,000 $ 215,000 $ 25,000
Turner, South Dakota 2 $ 250,000 $ 125,000 $ 79,000
Brazoria, Texas 2 $ 400,000 $ 200,000 $ 51,000
El Paso, Texas 2 $ 1,010,000 $ 505,000 $ 332,000
Salt Lake, Utah 2 $ 320,000 $ 160,000 $ 57,000
Augusta, Virginia 2 $ 340,000 $ 170,000 $ 94,000
Spokane, Washington 2 $ 350,000 $ 175,000 $ 71,000
Milwaukee, Wisconsin 2 $ 390,000 $ 195,000 $ 137,000
Price, Wisconsin 2 $ 170,000 $ 85,000 $ 88,000
Baldwin, Alabama 1 $ 355,000 $ 355,000 $ 350,000
Calhoun, Alabama 1 $ 105,000 $ 105,000 $ 122,000
Cleburne, Alabama 1 $ 55,000 $ 55,000 $ 39,000
Lee, Alabama 1 $ 145,000 $ 145,000 $ 38,000
Montgomery, Alabama 1 $ 45,000 $ 45,000 $ 82,000
Haines, Alaska 1 $ 215,000 $ 215,000 $ 63,000
Benton, Arkansas 1 $ 345,000 $ 345,000 $ 181,000
El Dorado, California 1 $ 825,000 $ 825,000 $ 394,000
Monterey, California 1 $ 525,000 $ 525,000 $ 76,000
Placer, California 1 $ 205,000 $ 205,000 $ 61,000
San Diego, California 1 $ 495,000 $ 495,000 $ 138,000
San Francisco, California 1 $ 975,000 $ 975,000 $ 344,000
Santa Clara, California 1 $ 75,000 $ 75,000 $ 16,000
Shasta, California 1 $ 195,000 $ 195,000 $ 38,000
Solano, California 1 $ 165,000 $ 165,000 $ 63,000
Tehama, California 1 $ 205,000 $ 205,000 $ 93,000
Custer, Colorado 1 $ 325,000 $ 325,000 $ 70,000
Elbert, Colorado 1 $ 155,000 $ 155,000 $ 85,000
Garfield, Colorado 1 $ 375,000 $ 375,000 $ 78,000
Gilpin, Colorado 1 $ 1,105,000 $ 1,105,000 $ 97,000
Gunnison, Colorado 1 $ 645,000 $ 645,000 $ 258,000
Phillips, Colorado 1 $ 215,000 $ 215,000 $ 0
Hartford, Connecticut 1 $ 125,000 $ 125,000 $ 50,000
Middlesex, Connecticut 1 $ 285,000 $ 285,000 $ 310,000
New London, Connecticut 1 $ 195,000 $ 195,000 $ 55,000
Sussex, Delaware 1 $ 185,000 $ 185,000 $ 61,000
Alachua, Florida 1 $ 745,000 $ 745,000 $ 288,000
Broward, Florida 1 $ 415,000 $ 415,000 $ 288,000
Franklin, Florida 1 $ 205,000 $ 205,000 $ 124,000
Hillsborough, Florida 1 $ 425,000 $ 425,000 $ 143,000
Indian River, Florida 1 $ 255,000 $ 255,000 $ 132,000
Manatee, Florida 1 $ 485,000 $ 485,000 $ 221,000
Okaloosa, Florida 1 $ 155,000 $ 155,000 $ 0
Orange, Florida 1 $ 625,000 $ 625,000 $ 380,000
Pasco, Florida 1 $ 425,000 $ 425,000 $ 696,000
Pinellas, Florida 1 $ 95,000 $ 95,000 $ 57,000
Bibb, Georgia 1 $ 15,000 $ 15,000 $ 32,000
Douglas, Georgia 1 $ 175,000 $ 175,000 $ 83,000
Gordon, Georgia 1 $ 125,000 $ 125,000 $ 49,000
Muscogee, Georgia 1 $ 185,000 $ 185,000 $ 147,000
Bannock, Idaho 1 $ 305,000 $ 305,000 $ 57,000
Boise, Idaho 1 $ 355,000 $ 355,000 $ 170,000
Bonneville, Idaho 1 $ 175,000 $ 175,000 $ 88,000
Canyon, Idaho 1 $ 505,000 $ 505,000 $ 147,000
Kootenai, Idaho 1 $ 255,000 $ 255,000 $ 88,000
Champaign, Illinois 1 $ 55,000 $ 55,000 $ 41,000
Jo Daviess, Illinois 1 $ 95,000 $ 95,000 $ 133,000
Johnson, Illinois 1 $ 255,000 $ 255,000 $ 122,000
Kankakee, Illinois 1 $ 45,000 $ 45,000 $ 108,000
Knox, Illinois 1 $ 105,000 $ 105,000 $ 73,000
Livingston, Illinois 1 $ 65,000 $ 65,000 $ 0
Marshall, Illinois 1 $ 165,000 $ 165,000 $ 75,000
Peoria, Illinois 1 $ 65,000 $ 65,000 $ 122,000
Piatt, Illinois 1 $ 155,000 $ 155,000 $ 64,000
Rock Island, Illinois 1 $ 65,000 $ 65,000 $ 0
Stark, Illinois 1 $ 15,000 $ 15,000 $ 85,000
Vermilion, Illinois 1 $ 75,000 $ 75,000 $ 33,000
St. Joseph, Indiana 1 $ 285,000 $ 285,000 $ 75,000
Audubon, Iowa 1 $ 415,000 $ 415,000 $ 206,000
Benton, Iowa 1 $ 235,000 $ 235,000 $ 63,000
Calhoun, Iowa 1 $ 65,000 $ 65,000 $ 64,000
Cerro Gordo, Iowa 1 $ 175,000 $ 175,000 $ 66,000
Clarke, Iowa 1 $ 215,000 $ 215,000 $ 105,000
Clay, Iowa 1 $ 155,000 $ 155,000 $ 80,000
Clinton, Iowa 1 $ 95,000 $ 95,000 $ 95,000
Dickinson, Iowa 1 $ 415,000 $ 415,000 $ 0
Johnson, Iowa 1 $ 345,000 $ 345,000 $ 96,000
Linn, Iowa 1 $ 165,000 $ 165,000 $ 87,000
O'Brien, Iowa 1 $ 85,000 $ 85,000 $ 27,000
Plymouth, Iowa 1 $ 355,000 $ 355,000 $ 122,000
Winneshiek, Iowa 1 $ 125,000 $ 125,000 $ 83,000
Woodbury, Iowa 1 $ 125,000 $ 125,000 $ 42,000
Wright, Iowa 1 $ 145,000 $ 145,000 $ 33,000
Anderson, Kansas 1 $ 205,000 $ 205,000 $ 136,000
Bourbon, Kansas 1 $ 215,000 $ 215,000 $ 104,000
Ford, Kansas 1 $ 25,000 $ 25,000 $ 56,000
Gove, Kansas 1 $ 65,000 $ 65,000 $ 360,000
Jefferson, Kansas 1 $ 45,000 $ 45,000 $ 124,000
Riley, Kansas 1 $ 95,000 $ 95,000 $ 0
Saline, Kansas 1 $ 565,000 $ 565,000 $ 217,000
Wabaunsee, Kansas 1 $ 175,000 $ 175,000 $ 82,000
Boone, Kentucky 1 $ 375,000 $ 375,000 $ 66,000
Calloway, Kentucky 1 $ 205,000 $ 205,000 $ 55,000
Tangipahoa, Louisiana 1 $ 115,000 $ 115,000 $ 97,000
Anne Arundel, Maryland 1 $ 395,000 $ 395,000 $ 106,000
Baltimore, Maryland 1 $ 395,000 $ 395,000 $ 79,000
Baltimore City, Maryland 1 $ 185,000 $ 185,000 $ 95,000
Caroline, Maryland 1 $ 215,000 $ 215,000 $ 77,000
Harford, Maryland 1 $ 485,000 $ 485,000 $ 216,000
Middlesex, Massachusetts 1 $ 45,565,000 $ 45,565,000 $ 0
Plymouth, Massachusetts 1 $ 385,000 $ 385,000 $ 197,000
Worcester, Massachusetts 1 $ 365,000 $ 365,000 $ 100,000
Jackson, Michigan 1 $ 105,000 $ 105,000 $ 71,000
Keweenaw, Michigan 1 $ 195,000 $ 195,000 $ 223,000
Ontonagon, Michigan 1 $ 35,000 $ 35,000 $ 97,000
Washtenaw, Michigan 1 $ 255,000 $ 255,000 $ 62,000
Crow Wing, Minnesota 1 $ 205,000 $ 205,000 $ 62,000
Dakota, Minnesota 1 $ 285,000 $ 285,000 $ 238,000
Douglas, Minnesota 1 $ 345,000 $ 345,000 $ 72,000
Faribault, Minnesota 1 $ 355,000 $ 355,000 $ 100,000
Lac qui Parle, Minnesota 1 $ 215,000 $ 215,000 $ 182,000
Morrison, Minnesota 1 $ 75,000 $ 75,000 $ 49,000
Mower, Minnesota 1 $ 335,000 $ 335,000 $ 119,000
Scott, Minnesota 1 $ 255,000 $ 255,000 $ 78,000
Washington, Minnesota 1 $ 40,025,000 $ 40,025,000 $ 0
Jackson, Mississippi 1 $ 35,000 $ 35,000 $ 28,000
Oktibbeha, Mississippi 1 $ 205,000 $ 205,000 $ 62,000
Pearl River, Mississippi 1 $ 235,000 $ 235,000 $ 112,000
Washington, Mississippi 1 $ 165,000 $ 165,000 $ 71,000
Boone, Missouri 1 $ 285,000 $ 285,000 $ 90,000
Cedar, Missouri 1 $ 5,000 $ 5,000 $ 0
Chariton, Missouri 1 $ 85,000 $ 85,000 $ 100,000
Christian, Missouri 1 $ 235,000 $ 235,000 $ 0
Greene, Missouri 1 $ 105,000 $ 105,000 $ 67,000
Henry, Missouri 1 $ 135,000 $ 135,000 $ 124,000
Howell, Missouri 1 $ 245,000 $ 245,000 $ 0
Miller, Missouri 1 $ 105,000 $ 105,000 $ 122,000
Morgan, Missouri 1 $ 175,000 $ 175,000 $ 98,000
Newton, Missouri 1 $ 135,000 $ 135,000 $ 45,000
Polk, Missouri 1 $ 105,000 $ 105,000 $ 72,000
St. Charles, Missouri 1 $ 105,000 $ 105,000 $ 153,000
St. Louis, Missouri 1 $ 65,000 $ 65,000 $ 70,000
St. Louis City, Missouri 1 $ 245,000 $ 245,000 $ 60,000
Taney, Missouri 1 $ 405,000 $ 405,000 $ 1,764,000
Webster, Missouri 1 $ 105,000 $ 105,000 $ 63,000
Worth, Missouri 1 $ 115,000 $ 115,000 $ 55,000
Beaverhead, Montana 1 $ 215,000 $ 215,000 $ 125,000
Gallatin, Montana 1 $ 605,000 $ 605,000 $ 1,097,000
Chase, Nebraska 1 $ 315,000 $ 315,000 $ 128,000
Cherry, Nebraska 1 $ 625,000 $ 625,000 $ 291,000
Clay, Nebraska 1 $ 115,000 $ 115,000 $ 136,000
Greeley, Nebraska 1 $ 105,000 $ 105,000 $ 72,000
Hitchcock, Nebraska 1 $ 95,000 $ 95,000 $ 48,000
Hooker, Nebraska 1 $ 85,000 $ 85,000 $ 23,000
Loup, Nebraska 1 $ 65,000 $ 65,000 $ 39,000
Nance, Nebraska 1 $ 455,000 $ 455,000 $ 192,000
Webster, Nebraska 1 $ 145,000 $ 145,000 $ 60,000
Wheeler, Nebraska 1 $ 75,000 $ 75,000 $ 208,000
Elko, Nevada 1 $ 195,000 $ 195,000 $ 108,000
Merrimack, New Hampshire 1 $ 185,000 $ 185,000 $ 91,000
Bergen, New Jersey 1 $ 365,000 $ 365,000 $ 124,000
Cape May, New Jersey 1 $ 325,000 $ 325,000 $ 116,000
Mercer, New Jersey 1 $ 205,000 $ 205,000 $ 114,000
Ocean, New Jersey 1 $ 305,000 $ 305,000 $ 120,000
Union, New Jersey 1 $ 265,000 $ 265,000 $ 102,000
Curry, New Mexico 1 $ 75,000 $ 75,000 $ 0
Kings, New York 1 $ 755,000 $ 755,000 $ 179,000
Madison, New York 1 $ 165,000 $ 165,000 $ 72,000
Onondaga, New York 1 $ 115,000 $ 115,000 $ 108,000
Saratoga, New York 1 $ 405,000 $ 405,000 $ 105,000
Warren, New York 1 $ 105,000 $ 105,000 $ 8,000
Catawba, North Carolina 1 $ 295,000 $ 295,000 $ 53,000
Forsyth, North Carolina 1 $ 55,000 $ 55,000 $ 74,000
Surry, North Carolina 1 $ 155,000 $ 155,000 $ 72,000
Cass, North Dakota 1 $ 285,000 $ 285,000 $ 170,000
Sargent, North Dakota 1 $ 75,000 $ 75,000 $ 28,000
Stark, North Dakota 1 $ 185,000 $ 185,000 $ 0
Cuyahoga, Ohio 1 $ 135,000 $ 135,000 $ 79,000
Erie, Ohio 1 $ 325,000 $ 325,000 $ 362,000
Greene, Ohio 1 $ 95,000 $ 95,000 $ 92,000
Hardin, Ohio 1 $ 115,000 $ 115,000 $ 79,000
Lorain, Ohio 1 $ 295,000 $ 295,000 $ 85,000
Lucas, Ohio 1 $ 305,000 $ 305,000 $ 94,000
Mahoning, Ohio 1 $ 95,000 $ 95,000 $ 42,000
Medina, Ohio 1 $ 255,000 $ 255,000 $ 53,000
Monroe, Ohio 1 $ 85,000 $ 85,000 $ 64,000
Montgomery, Ohio 1 $ 775,000 $ 775,000 $ 88,000
Pike, Ohio 1 $ 235,000 $ 235,000 $ 135,000
Portage, Ohio 1 $ 135,000 $ 135,000 $ 67,000
Sandusky, Ohio 1 $ 125,000 $ 125,000 $ 75,000
Summit, Ohio 1 $ 175,000 $ 175,000 $ 95,000
Warren, Ohio 1 $ 235,000 $ 235,000 $ 100,000
Canadian, Oklahoma 1 $ 235,000 $ 235,000 $ 97,000
Grady, Oklahoma 1 $ 445,000 $ 445,000 $ 173,000
Noble, Oklahoma 1 $ 175,000 $ 175,000 $ 110,000
Pittsburg, Oklahoma 1 $ 105,000 $ 105,000 $ 181,000
Clackamas, Oregon 1 $ 1,305,000 $ 1,305,000 $ 240,000
Jackson, Oregon 1 $ 215,000 $ 215,000 $ 237,000
Lane, Oregon 1 $ 185,000 $ 185,000 $ 114,000
Washington, Oregon 1 $ 345,000 $ 345,000 $ 112,000
Butler, Pennsylvania 1 $ 185,000 $ 185,000 $ 70,000
Cumberland, Pennsylvania 1 $ 175,000 $ 175,000 $ 58,000
Franklin, Pennsylvania 1 $ 125,000 $ 125,000 $ 102,000
Montgomery, Pennsylvania 1 $ 645,000 $ 645,000 $ 330,000
Washington, Pennsylvania 1 $ 35,000 $ 35,000 $ 150,000
San German, Puerto Rico 1 $ 95,000 $ 95,000 $ 57,000
Greenville, South Carolina 1 $ 385,000 $ 385,000 $ 175,000
Brule, South Dakota 1 $ 45,000 $ 45,000 $ 0
Charles Mix, South Dakota 1 $ 105,000 $ 105,000 $ 0
Fall River, South Dakota 1 $ 205,000 $ 205,000 $ 86,000
Gregory, South Dakota 1 $ 165,000 $ 165,000 $ 80,000
Haakon, South Dakota 1 $ 55,000 $ 55,000 $ 49,000
Jerauld, South Dakota 1 $ 125,000 $ 125,000 $ 178,000
Kingsbury, South Dakota 1 $ 345,000 $ 345,000 $ 120,000
Pennington, South Dakota 1 $ 275,000 $ 275,000 $ 73,000
Union, South Dakota 1 $ 325,000 $ 325,000 $ 260,000
Davidson, Tennessee 1 $ 315,000 $ 315,000 $ 480,000
Knox, Tennessee 1 $ 325,000 $ 325,000 $ 185,000
Bandera, Texas 1 $ 405,000 $ 405,000 $ 74,000
Cameron, Texas 1 $ 265,000 $ 265,000 $ 140,000
Cherokee, Texas 1 $ 45,000 $ 45,000 $ 69,000
Comal, Texas 1 $ 255,000 $ 255,000 $ 446,000
Cooke, Texas 1 $ 275,000 $ 275,000 $ 75,000
Henderson, Texas 1 $ 315,000 $ 315,000 $ 186,000
Hood, Texas 1 $ 105,000 $ 105,000 $ 96,000
Kaufman, Texas 1 $ 255,000 $ 255,000 $ 157,000
Llano, Texas 1 $ 705,000 $ 705,000 $ 238,000
Rains, Texas 1 $ 125,000 $ 125,000 $ 246,000
Smith, Texas 1 $ 1,485,000 $ 1,485,000 $ 423,000
Williamson, Texas 1 $ 335,000 $ 335,000 $ 128,000
Wood, Texas 1 $ 485,000 $ 485,000 $ 237,000
Washington, Utah 1 $ 995,000 $ 995,000 $ 1,438,000
Weber, Utah 1 $ 335,000 $ 335,000 $ 120,000
Orleans, Vermont 1 $ 135,000 $ 135,000 $ 63,000
Campbell, Virginia 1 $ 35,000 $ 35,000 $ 125,000
Chesterfield, Virginia 1 $ 65,000 $ 65,000 $ 69,000
Newport News, Virginia 1 $ 215,000 $ 215,000 $ 111,000
Williamsburg, Virginia 1 $ 43,505,000 $ 43,505,000 $ 0
York, Virginia 1 $ 255,000 $ 255,000 $ 63,000
Snohomish, Washington 1 $ 755,000 $ 755,000 $ 235,000
Stevens, Washington 1 $ 325,000 $ 325,000 $ 37,000
Whitman, Washington 1 $ 225,000 $ 225,000 $ 110,000
Calumet, Wisconsin 1 $ 205,000 $ 205,000 $ 41,000
Columbia, Wisconsin 1 $ 265,000 $ 265,000 $ 103,000
Dane, Wisconsin 1 $ 515,000 $ 515,000 $ 211,000
Green Lake, Wisconsin 1 $ 105,000 $ 105,000 $ 65,000
Kenosha, Wisconsin 1 $ 245,000 $ 245,000 $ 87,000
Marinette, Wisconsin 1 $ 215,000 $ 215,000 $ 71,000
Outagamie, Wisconsin 1 $ 85,000 $ 85,000 $ 46,000
Racine, Wisconsin 1 $ 145,000 $ 145,000 $ 81,000
Sawyer, Wisconsin 1 $ 155,000 $ 155,000 $ 124,000
Vilas, Wisconsin 1 $ 395,000 $ 395,000 $ 1,682,000
Waukesha, Wisconsin 1 $ 245,000 $ 245,000 $ 119,000
Big Horn, Wyoming 1 $ 215,000 $ 215,000 $ 41,000
Converse, Wyoming 1 $ 85,000 $ 85,000 $ 21,000
Crook, Wyoming 1 $ 405,000 $ 405,000 $ 93,000
Goshen, Wyoming 1 $ 95,000 $ 95,000 $ 55,000
Sheridan, Wyoming 1 $ 195,000 $ 195,000 $ 63,000
Sublette, Wyoming 1 $ 1,505,000 $ 1,505,000 $ 0
Sweetwater, Wyoming 1 $ 285,000 $ 285,000 $ 89,000
Weston, Wyoming 1 $ 75,000 $ 75,000 $ 21,000

Mortgage Loan Application Detail Totals for First National Bank of Omaha in 2022

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 4,714 $1,648,500,000 $349,000 $45,565,000 $131,000 $3,892,000
Home Improvement 2,197 $184,495,000 $83,000 $3,505,000 $125,000 $1,996,000
Refinancing 1,565 $257,055,000 $164,000 $3,505,000 $123,000 $3,531,000
Other Purpose 1,315 $102,945,000 $78,000 $1,255,000 $116,000 $2,127,000
Cash-out Refinancing 900 $199,300,000 $221,000 $965,000 $106,000 $5,127,000
Not Applicable 0 $0 $0 $0 $0 $0

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 7,712 $1,358,950,000 $176,000 $3,505,000 $126,000 $5,127,000
Not Provided 1,198 $277,350,000 $231,000 $2,025,000 $147,000 $3,531,000
Hispanic 1,108 $166,210,000 $150,000 $1,795,000 $87,000 $1,103,000
Asian 217 $55,545,000 $255,000 $1,245,000 $158,000 $1,190,000
Black or African American 193 $36,875,000 $191,000 $1,765,000 $116,000 $1,051,000
Not applicable 192 $485,320,000 $2,527,000 $45,565,000 $0 $0
American Indian or Alaskan Native 40 $6,260,000 $156,000 $425,000 $85,000 $177,000
Native Hawaiian or Other Pacific Islander 8 $680,000 $85,000 $235,000 $109,000 $232,000

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) 10,048 $2,251,020,000 $224,000 $45,565,000 $128,000 $5,127,000
FHA-insured (Federal Housing Administration) 468 $95,420,000 $203,000 $525,000 $72,000 $304,000
VA-guaranteed (Veterans Administration) 128 $38,960,000 $304,000 $965,000 $102,000 $480,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 47 $6,895,000 $146,000 $375,000 $57,000 $118,000

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 7,171 $1,741,655,000 $242,000 $45,565,000 $127,000 $3,531,000
Application Withdrawn By Applicant 1,763 $390,825,000 $221,000 $1,885,000 $131,000 $5,127,000
Application Denied By Financial Institution 1,306 $160,620,000 $122,000 $1,105,000 $101,000 $1,176,000
File Closed For Incompleteness 280 $70,340,000 $251,000 $1,255,000 $122,000 $630,000
Application Approved But Not Accepted 171 $28,855,000 $168,000 $1,535,000 $119,000 $966,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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
Not applicable 9,385 $2,231,675,000 $237,000 $45,565,000 $128,000 $5,127,000
Debt-To-Income Ratio 549 $80,265,000 $146,000 $875,000 $68,000 $410,000
Credit History 405 $30,285,000 $74,000 $955,000 $110,000 $1,176,000
Collateral 244 $32,180,000 $131,000 $1,045,000 $143,000 $879,000
Other 64 $11,140,000 $174,000 $1,105,000 $159,000 $747,000
Unverifiable Information 20 $2,610,000 $130,000 $545,000 $147,000 $559,000
Employment History 13 $1,825,000 $140,000 $315,000 $56,000 $131,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,850,000 $231,000 $885,000 $64,000 $135,000
Credit Application Incomplete 3 $465,000 $155,000 $175,000 $121,000 $144,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Omaha's 2022 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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