First National Bank of Omaha Mortgage Lending & HMDA Data, 2023

In 2023, First National Bank of Omaha of Omaha, NE reported 9,050 mortgage applications totaling $2.5 billion, down 15% from 2022. The average application was for $279,793, and applicants reported an average income of $142,569. 66% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (3,199), Kansas City, MO-KS (880) and Fort Collins, CO (695) (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 9,050
Total Mortgage Loan Application Amount $2,532,130,000
Average Mortgage Loan Application Amount $279,793
Highest Mortgage Loan Application Amount $79,005,000
Average Applicant Income $142,569
Highest Applicant Income $7,281,000

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records First National Bank of Omaha filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Douglas, Nebraska 2,081 $ 392,935,000 $ 188,820 $ 137,000
Larimer, Colorado 695 $ 203,035,000 $ 292,136 $ 157,000
Sarpy, Nebraska 645 $ 129,795,000 $ 201,232 $ 138,000
Johnson, Kansas 482 $ 130,920,000 $ 271,618 $ 185,000
Weld, Colorado 423 $ 95,635,000 $ 226,087 $ 132,000
Kane, Illinois 276 $ 53,820,000 $ 195,000 $ 101,000
Lancaster, Nebraska 270 $ 54,300,000 $ 201,111 $ 139,000
Pottawattamie, Iowa 254 $ 36,730,000 $ 144,606 $ 103,000
Jackson, Missouri 231 $ 48,465,000 $ 209,805 $ 137,000
Buffalo, Nebraska 219 $ 36,455,000 $ 166,461 $ 117,000
DeKalb, Illinois 210 $ 23,520,000 $ 112,000 $ 100,000
Dodge, Nebraska 181 $ 19,195,000 $ 106,049 $ 93,000
McHenry, Illinois 159 $ 18,035,000 $ 113,427 $ 103,000
Minnehaha, South Dakota 151 $ 42,735,000 $ 283,013 $ 136,000
Hall, Nebraska 133 $ 20,255,000 $ 152,293 $ 144,000
Kendall, Illinois 117 $ 14,535,000 $ 124,230 $ 142,000
Boulder, Colorado 109 $ 48,355,000 $ 443,623 $ 241,000
Lincoln, Nebraska 99 $ 12,615,000 $ 127,424 $ 91,000
Scotts Bluff, Nebraska 70 $ 8,650,000 $ 123,571 $ 113,000
Laramie, Wyoming 68 $ 16,130,000 $ 237,205 $ 115,000
Platte, Nebraska 67 $ 11,605,000 $ 173,208 $ 118,000
Lincoln, South Dakota 65 $ 23,555,000 $ 362,384 $ 139,000
Cass, Nebraska 59 $ 11,295,000 $ 191,440 $ 139,000
Wyandotte, Kansas 58 $ 8,290,000 $ 142,931 $ 83,000
Gage, Nebraska 57 $ 8,625,000 $ 151,315 $ 88,000
Washington, Nebraska 57 $ 10,695,000 $ 187,631 $ 120,000
Denver, Colorado 55 $ 32,235,000 $ 586,090 $ 320,000
Madison, Nebraska 50 $ 6,480,000 $ 129,600 $ 96,000
Saunders, Nebraska 50 $ 9,820,000 $ 196,400 $ 161,000
Cook, Illinois 47 $ 21,985,000 $ 467,765 $ 245,000
LaSalle, Illinois 47 $ 3,765,000 $ 80,106 $ 95,000
Jefferson, Colorado 45 $ 19,815,000 $ 440,333 $ 222,000
Adams, Colorado 42 $ 9,830,000 $ 234,047 $ 143,000
Box Butte, Nebraska 41 $ 4,885,000 $ 119,146 $ 96,000
Dallas, Texas 41 $ 58,035,000 $ 1,415,487 $ 269,000
Collin, Texas 40 $ 17,280,000 $ 432,000 $ 205,000
Mills, Iowa 37 $ 4,435,000 $ 119,864 $ 165,000
Yankton, South Dakota 35 $ 5,575,000 $ 159,285 $ 94,000
Dawson, Nebraska 34 $ 5,330,000 $ 156,764 $ 100,000
Kearney, Nebraska 34 $ 4,270,000 $ 125,588 $ 83,000
Winnebago, Illinois 31 $ 3,135,000 $ 101,129 $ 71,000
DuPage, Illinois 28 $ 8,830,000 $ 315,357 $ 213,000
Clay, Missouri 25 $ 8,765,000 $ 350,600 $ 182,000
Dawes, Nebraska 25 $ 2,745,000 $ 109,800 $ 69,000
Albany, Wyoming 25 $ 6,695,000 $ 267,800 $ 233,000
Cass, Missouri 24 $ 9,460,000 $ 394,166 $ 226,000
Platte, Missouri 23 $ 6,945,000 $ 301,956 $ 138,000
Butler, Nebraska 23 $ 3,485,000 $ 151,521 $ 118,000
Boone, Illinois 21 $ 1,115,000 $ 53,095 $ 74,000
Adams, Nebraska 21 $ 2,815,000 $ 134,047 $ 67,000
Denton, Texas 21 $ 7,475,000 $ 355,952 $ 182,000
Arapahoe, Colorado 20 $ 10,380,000 $ 519,000 $ 251,000
Douglas, Colorado 20 $ 10,570,000 $ 528,500 $ 268,000
Leavenworth, Kansas 20 $ 3,450,000 $ 172,500 $ 137,000
Will, Illinois 19 $ 4,765,000 $ 250,789 $ 241,000
Broomfield, Colorado 18 $ 3,040,000 $ 168,888 $ 168,000
Davison, South Dakota 17 $ 1,725,000 $ 101,470 $ 65,000
Tarrant, Texas 17 $ 6,705,000 $ 394,411 $ 203,000
Harrison, Iowa 16 $ 2,150,000 $ 134,375 $ 85,000
Hamilton, Nebraska 16 $ 4,080,000 $ 255,000 $ 129,000
Lake, Illinois 15 $ 5,975,000 $ 398,333 $ 224,000
Miami, Kansas 15 $ 2,385,000 $ 159,000 $ 188,000
Grand, Colorado 13 $ 8,675,000 $ 667,307 $ 391,000
Otoe, Nebraska 13 $ 3,105,000 $ 238,846 $ 143,000
El Paso, Colorado 11 $ 63,095,000 $ 5,735,909 $ 196,000
Ogle, Illinois 11 $ 1,335,000 $ 121,363 $ 82,000
Pierce, Nebraska 10 $ 1,330,000 $ 133,000 $ 95,000
Polk, Nebraska 10 $ 610,000 $ 61,000 $ 65,000
Seward, Nebraska 10 $ 1,640,000 $ 164,000 $ 130,000
Stanton, Nebraska 10 $ 900,000 $ 90,000 $ 89,000
Fremont, Iowa 9 $ 1,085,000 $ 120,555 $ 88,000
Cedar, Nebraska 9 $ 1,375,000 $ 152,777 $ 85,000
Colfax, Nebraska 9 $ 1,345,000 $ 149,444 $ 83,000
Custer, Nebraska 9 $ 735,000 $ 81,666 $ 94,000
Howard, Nebraska 9 $ 1,245,000 $ 138,333 $ 75,000
Merrick, Nebraska 9 $ 985,000 $ 109,444 $ 113,000
Phelps, Nebraska 9 $ 1,375,000 $ 152,777 $ 153,000
Maricopa, Arizona 8 $ 4,220,000 $ 527,500 $ 269,000
Lee, Illinois 8 $ 1,150,000 $ 143,750 $ 115,000
Beadle, South Dakota 8 $ 600,000 $ 75,000 $ 59,000
Bon Homme, South Dakota 8 $ 1,390,000 $ 173,750 $ 88,000
Lee, Florida 7 $ 4,325,000 $ 617,857 $ 361,000
Jefferson, Nebraska 7 $ 1,335,000 $ 190,714 $ 159,000
Saline, Nebraska 7 $ 515,000 $ 73,571 $ 91,000
Douglas, Kansas 6 $ 1,400,000 $ 233,333 $ 193,000
Cheyenne, Nebraska 6 $ 500,000 $ 83,333 $ 66,000
Franklin, Nebraska 6 $ 1,400,000 $ 233,333 $ 109,000
Gosper, Nebraska 6 $ 720,000 $ 120,000 $ 70,000
Sheridan, Nebraska 6 $ 440,000 $ 73,333 $ 87,000
Union, South Dakota 6 $ 2,270,000 $ 378,333 $ 285,000
Walworth, Wisconsin 6 $ 1,020,000 $ 170,000 $ 80,000
Grundy, Illinois 5 $ 715,000 $ 143,000 $ 89,000
Clay, Nebraska 5 $ 435,000 $ 87,000 $ 120,000
Fillmore, Nebraska 5 $ 425,000 $ 85,000 $ 97,000
Harlan, Nebraska 5 $ 855,000 $ 171,000 $ 81,000
Holt, Nebraska 5 $ 2,205,000 $ 441,000 $ 177,000
Johnson, Nebraska 5 $ 945,000 $ 189,000 $ 115,000
Keith, Nebraska 5 $ 755,000 $ 151,000 $ 228,000
Knox, Nebraska 5 $ 435,000 $ 87,000 $ 57,000
Nance, Nebraska 5 $ 365,000 $ 73,000 $ 62,000
Nemaha, Nebraska 5 $ 425,000 $ 85,000 $ 66,000
Valley, Nebraska 5 $ 685,000 $ 137,000 $ 75,000
Bexar, Texas 5 $ 795,000 $ 159,000 $ 79,000
Eagle, Colorado 4 $ 2,790,000 $ 697,500 $ 320,000
Elbert, Colorado 4 $ 1,550,000 $ 387,500 $ 241,000
Montgomery, Iowa 4 $ 340,000 $ 85,000 $ 39,000
Shawnee, Kansas 4 $ 1,210,000 $ 302,500 $ 90,000
Camden, Missouri 4 $ 1,550,000 $ 387,500 $ 663,000
Burt, Nebraska 4 $ 320,000 $ 80,000 $ 94,000
Morrill, Nebraska 4 $ 300,000 $ 75,000 $ 89,000
Wayne, Nebraska 4 $ 360,000 $ 90,000 $ 65,000
Johnson, Texas 4 $ 2,450,000 $ 612,500 $ 267,000
Pinal, Arizona 3 $ 64,665,000 $ 21,555,000 $ 100,000
Pueblo, Colorado 3 $ 665,000 $ 221,666 $ 138,000
Jo Daviess, Illinois 3 $ 245,000 $ 81,666 $ 131,000
Kankakee, Illinois 3 $ 695,000 $ 231,666 $ 146,000
Peoria, Illinois 3 $ 805,000 $ 268,333 $ 377,000
Johnson, Iowa 3 $ 79,465,000 $ 26,488,333 $ 369,000
Polk, Iowa 3 $ 1,085,000 $ 361,666 $ 121,000
Woodbury, Iowa 3 $ 555,000 $ 185,000 $ 103,000
Riley, Kansas 3 $ 655,000 $ 218,333 $ 115,000
Sedgwick, Kansas 3 $ 895,000 $ 298,333 $ 102,000
Taney, Missouri 3 $ 755,000 $ 251,666 $ 109,000
Antelope, Nebraska 3 $ 505,000 $ 168,333 $ 101,000
Cuming, Nebraska 3 $ 325,000 $ 108,333 $ 171,000
Hooker, Nebraska 3 $ 165,000 $ 55,000 $ 87,000
Pawnee, Nebraska 3 $ 185,000 $ 61,666 $ 87,000
Perkins, Nebraska 3 $ 135,000 $ 45,000 $ 64,000
York, Nebraska 3 $ 545,000 $ 181,666 $ 90,000
Philadelphia, Pennsylvania 3 $ 855,000 $ 285,000 $ 154,000
Lexington, South Carolina 3 $ 645,000 $ 215,000 $ 102,000
Douglas, South Dakota 3 $ 285,000 $ 95,000 $ 67,000
Sanborn, South Dakota 3 $ 245,000 $ 81,666 $ 83,000
Ellis, Texas 3 $ 1,665,000 $ 555,000 $ 172,000
Harris, Texas 3 $ 505,000 $ 168,333 $ 98,000
Parker, Texas 3 $ 4,075,000 $ 1,358,333 $ 576,000
Rockwall, Texas 3 $ 3,305,000 $ 1,101,666 $ 666,000
Salt Lake, Utah 3 $ 88,765,000 $ 29,588,333 $ 144,000
Natrona, Wyoming 3 $ 925,000 $ 308,333 $ 259,000
Riverside, California 2 $ 1,300,000 $ 650,000 $ 181,000
Siskiyou, California 2 $ 230,000 $ 115,000 $ 59,000
Gilpin, Colorado 2 $ 250,000 $ 125,000 $ 156,000
Logan, Colorado 2 $ 230,000 $ 115,000 $ 47,000
Summit, Colorado 2 $ 2,140,000 $ 1,070,000 $ 532,000
Hartford, Connecticut 2 $ 410,000 $ 205,000 $ 119,000
Brevard, Florida 2 $ 410,000 $ 205,000 $ 197,000
Broward, Florida 2 $ 1,060,000 $ 530,000 $ 350,000
Marion, Florida 2 $ 90,000 $ 45,000 $ 57,000
Miami-Dade, Florida 2 $ 5,440,000 $ 2,720,000 $ 1,362,000
Orange, Florida 2 $ 480,000 $ 240,000 $ 173,000
Palm Beach, Florida 2 $ 700,000 $ 350,000 $ 169,000
Pinellas, Florida 2 $ 1,290,000 $ 645,000 $ 307,000
Volusia, Florida 2 $ 420,000 $ 210,000 $ 80,000
Custer, Idaho 2 $ 870,000 $ 435,000 $ 145,000
Henry, Illinois 2 $ 7,610,000 $ 3,805,000 $ 128,000
Knox, Illinois 2 $ 9,150,000 $ 4,575,000 $ 100,000
St. Clair, Illinois 2 $ 180,000 $ 90,000 $ 73,000
Stephenson, Illinois 2 $ 260,000 $ 130,000 $ 63,000
Marion, Indiana 2 $ 290,000 $ 145,000 $ 53,000
Cass, Iowa 2 $ 210,000 $ 105,000 $ 70,000
Fayette, Iowa 2 $ 300,000 $ 150,000 $ 54,000
Shelby, Iowa 2 $ 160,000 $ 80,000 $ 40,000
Wapello, Iowa 2 $ 240,000 $ 120,000 $ 86,000
Franklin, Kansas 2 $ 280,000 $ 140,000 $ 116,000
Sumner, Kansas 2 $ 330,000 $ 165,000 $ 57,000
McCracken, Kentucky 2 $ 440,000 $ 220,000 $ 83,000
Baltimore, Maryland 2 $ 610,000 $ 305,000 $ 96,000
Baltimore City, Maryland 2 $ 210,000 $ 105,000 $ 59,000
Prince George's, Maryland 2 $ 850,000 $ 425,000 $ 159,000
Hubbard, Minnesota 2 $ 620,000 $ 310,000 $ 179,000
Pipestone, Minnesota 2 $ 200,000 $ 100,000 $ 89,000
St. Louis, Missouri 2 $ 460,000 $ 230,000 $ 102,000
Stone, Missouri 2 $ 400,000 $ 200,000 $ 219,000
Boone, Nebraska 2 $ 500,000 $ 250,000 $ 119,000
Frontier, Nebraska 2 $ 270,000 $ 135,000 $ 123,000
Furnas, Nebraska 2 $ 390,000 $ 195,000 $ 81,000
Richardson, Nebraska 2 $ 170,000 $ 85,000 $ 101,000
Webster, Nebraska 2 $ 130,000 $ 65,000 $ 24,000
Clark, Nevada 2 $ 34,210,000 $ 17,105,000 $ 54,000
Monmouth, New Jersey 2 $ 400,000 $ 200,000 $ 78,000
Ocean, New Jersey 2 $ 1,020,000 $ 510,000 $ 78,000
Burke, North Dakota 2 $ 420,000 $ 210,000 $ 141,000
Cuyahoga, Ohio 2 $ 40,470,000 $ 20,235,000 $ 43,000
Hutchinson, South Dakota 2 $ 300,000 $ 150,000 $ 79,000
Pennington, South Dakota 2 $ 580,000 $ 290,000 $ 107,000
Turner, South Dakota 2 $ 270,000 $ 135,000 $ 73,000
Davidson, Tennessee 2 $ 1,130,000 $ 565,000 $ 708,000
Knox, Tennessee 2 $ 950,000 $ 475,000 $ 244,000
Erath, Texas 2 $ 420,000 $ 210,000 $ 62,000
Fort Bend, Texas 2 $ 1,020,000 $ 510,000 $ 248,000
Dodge, Wisconsin 2 $ 150,000 $ 75,000 $ 119,000
Baldwin, Alabama 1 $ 315,000 $ 315,000 $ 84,000
Lee, Alabama 1 $ 155,000 $ 155,000 $ 83,000
Shelby, Alabama 1 $ 365,000 $ 365,000 $ 153,000
Gila, Arizona 1 $ 355,000 $ 355,000 $ 92,000
Mohave, Arizona 1 $ 115,000 $ 115,000 $ 10,000
Navajo, Arizona 1 $ 255,000 $ 255,000 $ 69,000
Pima, Arizona 1 $ 305,000 $ 305,000 $ 284,000
Yavapai, Arizona 1 $ 515,000 $ 515,000 $ 153,000
Jefferson, Arkansas 1 $ 115,000 $ 115,000 $ 82,000
Pope, Arkansas 1 $ 75,000 $ 75,000 $ 25,000
St. Francis, Arkansas 1 $ 55,000 $ 55,000 $ 136,000
Alameda, California 1 $ 605,000 $ 605,000 $ 107,000
Kern, California 1 $ 815,000 $ 815,000 $ 720,000
Los Angeles, California 1 $ 215,000 $ 215,000 $ 215,000
San Benito, California 1 $ 55,000 $ 55,000 $ 69,000
San Bernardino, California 1 $ 725,000 $ 725,000 $ 7,281,000
San Diego, California 1 $ 435,000 $ 435,000 $ 937,000
Santa Clara, California 1 $ 135,000 $ 135,000 $ 64,000
Tehama, California 1 $ 195,000 $ 195,000 $ 99,000
Tulare, California 1 $ 175,000 $ 175,000 $ 62,000
Clear Creek, Colorado 1 $ 1,595,000 $ 1,595,000 $ 308,000
Jackson, Colorado 1 $ 35,000 $ 35,000 $ 42,000
Mesa, Colorado 1 $ 765,000 $ 765,000 $ 450,000
Montrose, Colorado 1 $ 75,000 $ 75,000 $ 110,000
Otero, Colorado 1 $ 215,000 $ 215,000 $ 64,000
Park, Colorado 1 $ 105,000 $ 105,000 $ 216,000
Prowers, Colorado 1 $ 155,000 $ 155,000 $ 135,000
Saguache, Colorado 1 $ 255,000 $ 255,000 $ 72,000
Teller, Colorado 1 $ 635,000 $ 635,000 $ 256,000
Middlesex, Connecticut 1 $ 155,000 $ 155,000 $ 284,000
New London, Connecticut 1 $ 205,000 $ 205,000 $ 85,000
Kent, Delaware 1 $ 125,000 $ 125,000 $ 46,000
New Castle, Delaware 1 $ 175,000 $ 175,000 $ 81,000
Charlotte, Florida 1 $ 385,000 $ 385,000 $ 300,000
Clay, Florida 1 $ 405,000 $ 405,000 $ 199,000
Collier, Florida 1 $ 1,365,000 $ 1,365,000 $ 639,000
Hernando, Florida 1 $ 275,000 $ 275,000 $ 91,000
Manatee, Florida 1 $ 445,000 $ 445,000 $ 156,000
Nassau, Florida 1 $ 325,000 $ 325,000 $ 221,000
Okaloosa, Florida 1 $ 525,000 $ 525,000 $ 150,000
Pasco, Florida 1 $ 565,000 $ 565,000 $ 629,000
Polk, Florida 1 $ 305,000 $ 305,000 $ 97,000
Sarasota, Florida 1 $ 285,000 $ 285,000 $ 87,000
Sumter, Florida 1 $ 445,000 $ 445,000 $ 158,000
Candler, Georgia 1 $ 105,000 $ 105,000 $ 41,000
Decatur, Georgia 1 $ 55,000 $ 55,000 $ 18,000
Glynn, Georgia 1 $ 55,000 $ 55,000 $ 84,000
Houston, Georgia 1 $ 255,000 $ 255,000 $ 70,000
Honolulu, Hawaii 1 $ 225,000 $ 225,000 $ 344,000
Kootenai, Idaho 1 $ 5,000 $ 5,000 $ 500,000
Carroll, Illinois 1 $ 465,000 $ 465,000 $ 290,000
Fayette, Illinois 1 $ 65,000 $ 65,000 $ 81,000
Livingston, Illinois 1 $ 45,000 $ 45,000 $ 72,000
Logan, Illinois 1 $ 95,000 $ 95,000 $ 117,000
Macon, Illinois 1 $ 25,000 $ 25,000 $ 80,000
Marshall, Illinois 1 $ 195,000 $ 195,000 $ 66,000
McDonough, Illinois 1 $ 155,000 $ 155,000 $ 72,000
McLean, Illinois 1 $ 5,000 $ 5,000 $ 28,000
Rock Island, Illinois 1 $ 185,000 $ 185,000 $ 161,000
Union, Illinois 1 $ 175,000 $ 175,000 $ 61,000
Allen, Indiana 1 $ 115,000 $ 115,000 $ 93,000
Lake, Indiana 1 $ 505,000 $ 505,000 $ 227,000
Madison, Indiana 1 $ 55,000 $ 55,000 $ 67,000
Tippecanoe, Indiana 1 $ 185,000 $ 185,000 $ 54,000
Allamakee, Iowa 1 $ 195,000 $ 195,000 $ 85,000
Audubon, Iowa 1 $ 85,000 $ 85,000 $ 150,000
Buena Vista, Iowa 1 $ 245,000 $ 245,000 $ 101,000
Carroll, Iowa 1 $ 125,000 $ 125,000 $ 160,000
Crawford, Iowa 1 $ 135,000 $ 135,000 $ 63,000
Dallas, Iowa 1 $ 235,000 $ 235,000 $ 75,000
Jefferson, Iowa 1 $ 165,000 $ 165,000 $ 100,000
Jones, Iowa 1 $ 75,000 $ 75,000 $ 84,000
Lyon, Iowa 1 $ 385,000 $ 385,000 $ 130,000
Mahaska, Iowa 1 $ 365,000 $ 365,000 $ 0
Page, Iowa 1 $ 145,000 $ 145,000 $ 54,000
Ringgold, Iowa 1 $ 155,000 $ 155,000 $ 66,000
Sioux, Iowa 1 $ 125,000 $ 125,000 $ 49,000
Story, Iowa 1 $ 275,000 $ 275,000 $ 184,000
Webster, Iowa 1 $ 195,000 $ 195,000 $ 77,000
Winnebago, Iowa 1 $ 135,000 $ 135,000 $ 104,000
Atchison, Kansas 1 $ 55,000 $ 55,000 $ 45,000
Butler, Kansas 1 $ 165,000 $ 165,000 $ 189,000
Crawford, Kansas 1 $ 235,000 $ 235,000 $ 208,000
Ellis, Kansas 1 $ 105,000 $ 105,000 $ 0
Jefferson, Kansas 1 $ 135,000 $ 135,000 $ 48,000
Osage, Kansas 1 $ 105,000 $ 105,000 $ 144,000
Pratt, Kansas 1 $ 125,000 $ 125,000 $ 131,000
Saline, Kansas 1 $ 95,000 $ 95,000 $ 0
Stafford, Kansas 1 $ 25,000 $ 25,000 $ 65,000
Barren, Kentucky 1 $ 185,000 $ 185,000 $ 65,000
Fayette, Kentucky 1 $ 505,000 $ 505,000 $ 478,000
Grant, Kentucky 1 $ 155,000 $ 155,000 $ 54,000
Jefferson, Kentucky 1 $ 215,000 $ 215,000 $ 91,000
Whitley, Kentucky 1 $ 125,000 $ 125,000 $ 122,000
Cumberland, Maine 1 $ 115,000 $ 115,000 $ 77,000
Washington, Maine 1 $ 45,000 $ 45,000 $ 91,000
Anne Arundel, Maryland 1 $ 325,000 $ 325,000 $ 150,000
Kent, Maryland 1 $ 225,000 $ 225,000 $ 37,000
Essex, Massachusetts 1 $ 15,000 $ 15,000 $ 49,000
Berrien, Michigan 1 $ 65,000 $ 65,000 $ 144,000
Jackson, Michigan 1 $ 135,000 $ 135,000 $ 78,000
Macomb, Michigan 1 $ 385,000 $ 385,000 $ 291,000
Anoka, Minnesota 1 $ 255,000 $ 255,000 $ 60,000
Hennepin, Minnesota 1 $ 39,005,000 $ 39,005,000 $ 0
Itasca, Minnesota 1 $ 235,000 $ 235,000 $ 371,000
Mower, Minnesota 1 $ 85,000 $ 85,000 $ 242,000
Nicollet, Minnesota 1 $ 265,000 $ 265,000 $ 75,000
Olmsted, Minnesota 1 $ 365,000 $ 365,000 $ 215,000
Otter Tail, Minnesota 1 $ 195,000 $ 195,000 $ 142,000
Ramsey, Minnesota 1 $ 315,000 $ 315,000 $ 170,000
Steele, Minnesota 1 $ 195,000 $ 195,000 $ 194,000
Jones, Mississippi 1 $ 245,000 $ 245,000 $ 163,000
Benton, Missouri 1 $ 195,000 $ 195,000 $ 831,000
Buchanan, Missouri 1 $ 105,000 $ 105,000 $ 0
Cedar, Missouri 1 $ 55,000 $ 55,000 $ 38,000
Hickory, Missouri 1 $ 25,000 $ 25,000 $ 36,000
Lafayette, Missouri 1 $ 225,000 $ 225,000 $ 72,000
Miller, Missouri 1 $ 95,000 $ 95,000 $ 93,000
Nodaway, Missouri 1 $ 185,000 $ 185,000 $ 304,000
Pulaski, Missouri 1 $ 175,000 $ 175,000 $ 0
Ray, Missouri 1 $ 355,000 $ 355,000 $ 129,000
St. Louis City, Missouri 1 $ 265,000 $ 265,000 $ 65,000
Gallatin, Montana 1 $ 795,000 $ 795,000 $ 77,000
Blaine, Nebraska 1 $ 255,000 $ 255,000 $ 135,000
Chase, Nebraska 1 $ 135,000 $ 135,000 $ 110,000
Dakota, Nebraska 1 $ 305,000 $ 305,000 $ 322,000
Dixon, Nebraska 1 $ 175,000 $ 175,000 $ 42,000
Greeley, Nebraska 1 $ 165,000 $ 165,000 $ 48,000
Hitchcock, Nebraska 1 $ 125,000 $ 125,000 $ 53,000
Kimball, Nebraska 1 $ 195,000 $ 195,000 $ 55,000
McPherson, Nebraska 1 $ 175,000 $ 175,000 $ 46,000
Nuckolls, Nebraska 1 $ 75,000 $ 75,000 $ 110,000
Red Willow, Nebraska 1 $ 225,000 $ 225,000 $ 153,000
Rock, Nebraska 1 $ 265,000 $ 265,000 $ 61,000
Sherman, Nebraska 1 $ 255,000 $ 255,000 $ 95,000
Thurston, Nebraska 1 $ 15,000 $ 15,000 $ 69,000
Atlantic, New Jersey 1 $ 25,000 $ 25,000 $ 84,000
Burlington, New Jersey 1 $ 275,000 $ 275,000 $ 103,000
Essex, New Jersey 1 $ 495,000 $ 495,000 $ 294,000
Hudson, New Jersey 1 $ 195,000 $ 195,000 $ 65,000
Passaic, New Jersey 1 $ 375,000 $ 375,000 $ 139,000
Union, New Jersey 1 $ 385,000 $ 385,000 $ 152,000
Cattaraugus, New York 1 $ 175,000 $ 175,000 $ 70,000
Madison, New York 1 $ 75,000 $ 75,000 $ 25,000
Schenectady, New York 1 $ 35,000 $ 35,000 $ 43,000
Sullivan, New York 1 $ 155,000 $ 155,000 $ 43,000
Harnett, North Carolina 1 $ 65,000 $ 65,000 $ 38,000
Mecklenburg, North Carolina 1 $ 315,000 $ 315,000 $ 262,000
Moore, North Carolina 1 $ 525,000 $ 525,000 $ 123,000
New Hanover, North Carolina 1 $ 485,000 $ 485,000 $ 160,000
Northampton, North Carolina 1 $ 105,000 $ 105,000 $ 89,000
McIntosh, North Dakota 1 $ 55,000 $ 55,000 $ 78,000
Clark, Ohio 1 $ 285,000 $ 285,000 $ 162,000
Lorain, Ohio 1 $ 5,000 $ 5,000 $ 47,000
Lucas, Ohio 1 $ 115,000 $ 115,000 $ 57,000
Montgomery, Ohio 1 $ 135,000 $ 135,000 $ 39,000
Summit, Ohio 1 $ 75,000 $ 75,000 $ 73,000
Williams, Ohio 1 $ 135,000 $ 135,000 $ 77,000
Wood, Ohio 1 $ 355,000 $ 355,000 $ 103,000
Cleveland, Oklahoma 1 $ 255,000 $ 255,000 $ 75,000
Delaware, Oklahoma 1 $ 155,000 $ 155,000 $ 70,000
Jackson, Oklahoma 1 $ 555,000 $ 555,000 $ 242,000
Love, Oklahoma 1 $ 325,000 $ 325,000 $ 89,000
Oklahoma, Oklahoma 1 $ 385,000 $ 385,000 $ 237,000
Pittsburg, Oklahoma 1 $ 85,000 $ 85,000 $ 45,000
Tulsa, Oklahoma 1 $ 105,000 $ 105,000 $ 0
Washington, Oklahoma 1 $ 145,000 $ 145,000 $ 64,000
Clackamas, Oregon 1 $ 385,000 $ 385,000 $ 152,000
Deschutes, Oregon 1 $ 405,000 $ 405,000 $ 97,000
Multnomah, Oregon 1 $ 75,000 $ 75,000 $ 114,000
Washington, Oregon 1 $ 35,855,000 $ 35,855,000 $ 0
Allegheny, Pennsylvania 1 $ 305,000 $ 305,000 $ 168,000
McKean, Pennsylvania 1 $ 25,000 $ 25,000 $ 123,000
Monroe, Pennsylvania 1 $ 175,000 $ 175,000 $ 167,000
Somerset, Pennsylvania 1 $ 305,000 $ 305,000 $ 264,000
Beaufort, South Carolina 1 $ 345,000 $ 345,000 $ 300,000
Berkeley, South Carolina 1 $ 205,000 $ 205,000 $ 115,000
Richland, South Carolina 1 $ 255,000 $ 255,000 $ 381,000
Brookings, South Dakota 1 $ 295,000 $ 295,000 $ 131,000
Charles Mix, South Dakota 1 $ 275,000 $ 275,000 $ 80,000
Clay, South Dakota 1 $ 365,000 $ 365,000 $ 160,000
Codington, South Dakota 1 $ 505,000 $ 505,000 $ 171,000
Custer, South Dakota 1 $ 345,000 $ 345,000 $ 146,000
Deuel, South Dakota 1 $ 95,000 $ 95,000 $ 40,000
Haakon, South Dakota 1 $ 35,000 $ 35,000 $ 51,000
Hand, South Dakota 1 $ 145,000 $ 145,000 $ 0
Hanson, South Dakota 1 $ 75,000 $ 75,000 $ 81,000
Kingsbury, South Dakota 1 $ 175,000 $ 175,000 $ 383,000
Lyman, South Dakota 1 $ 315,000 $ 315,000 $ 81,000
Moody, South Dakota 1 $ 365,000 $ 365,000 $ 0
Cocke, Tennessee 1 $ 155,000 $ 155,000 $ 70,000
Crockett, Tennessee 1 $ 375,000 $ 375,000 $ 119,000
Hamilton, Tennessee 1 $ 295,000 $ 295,000 $ 74,000
Jefferson, Tennessee 1 $ 635,000 $ 635,000 $ 370,000
Robertson, Tennessee 1 $ 275,000 $ 275,000 $ 59,000
Washington, Tennessee 1 $ 335,000 $ 335,000 $ 221,000
Bell, Texas 1 $ 335,000 $ 335,000 $ 126,000
Cameron, Texas 1 $ 165,000 $ 165,000 $ 70,000
Galveston, Texas 1 $ 385,000 $ 385,000 $ 181,000
Kaufman, Texas 1 $ 295,000 $ 295,000 $ 128,000
Liberty, Texas 1 $ 295,000 $ 295,000 $ 101,000
Montgomery, Texas 1 $ 255,000 $ 255,000 $ 143,000
Nueces, Texas 1 $ 385,000 $ 385,000 $ 0
Randall, Texas 1 $ 365,000 $ 365,000 $ 95,000
San Patricio, Texas 1 $ 205,000 $ 205,000 $ 142,000
Travis, Texas 1 $ 69,705,000 $ 69,705,000 $ 0
Williamson, Texas 1 $ 665,000 $ 665,000 $ 293,000
Alexandria, Virginia 1 $ 155,000 $ 155,000 $ 80,000
Arlington, Virginia 1 $ 805,000 $ 805,000 $ 260,000
Franklin, Virginia 1 $ 235,000 $ 235,000 $ 79,000
Newport News, Virginia 1 $ 225,000 $ 225,000 $ 130,000
Roanoke, Virginia 1 $ 225,000 $ 225,000 $ 79,000
Tazewell, Virginia 1 $ 145,000 $ 145,000 $ 70,000
York, Virginia 1 $ 345,000 $ 345,000 $ 75,000
Clark, Washington 1 $ 585,000 $ 585,000 $ 211,000
Lewis, Washington 1 $ 405,000 $ 405,000 $ 504,000
Pierce, Washington 1 $ 1,005,000 $ 1,005,000 $ 400,000
Thurston, Washington 1 $ 605,000 $ 605,000 $ 198,000
Mercer, West Virginia 1 $ 65,000 $ 65,000 $ 15,000
Adams, Wisconsin 1 $ 85,000 $ 85,000 $ 192,000
Clark, Wisconsin 1 $ 95,000 $ 95,000 $ 159,000
Dane, Wisconsin 1 $ 24,755,000 $ 24,755,000 $ 0
Jefferson, Wisconsin 1 $ 105,000 $ 105,000 $ 25,000
Ozaukee, Wisconsin 1 $ 705,000 $ 705,000 $ 263,000
Rock, Wisconsin 1 $ 255,000 $ 255,000 $ 123,000
Waukesha, Wisconsin 1 $ 515,000 $ 515,000 $ 200,000
Converse, Wyoming 1 $ 425,000 $ 425,000 $ 312,000
Sheridan, Wyoming 1 $ 375,000 $ 375,000 $ 139,000
Sublette, Wyoming 1 $ 185,000 $ 185,000 $ 0

Mortgage Loan Application Detail Totals for First National Bank of Omaha in 2023

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 4,486 $1,958,730,000 $436,000 $79,005,000 $162,000 $7,281,000
Home Improvement 1,715 $174,125,000 $101,000 $39,005,000 $128,000 $2,076,000
Refinancing 1,274 $230,170,000 $180,000 $34,005,000 $132,000 $2,416,000
Other Purpose 1,265 $94,455,000 $74,000 $1,085,000 $114,000 $1,110,000
Cash-out Refinancing 310 $74,650,000 $240,000 $1,825,000 $102,000 $576,000
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 6,306 $1,258,680,000 $199,000 $5,005,000 $143,000 $7,281,000
Not Provided 1,057 $313,745,000 $296,000 $2,005,000 $173,000 $1,576,000
Hispanic 1,055 $151,125,000 $143,000 $1,215,000 $99,000 $1,407,000
Black or African American 196 $37,280,000 $190,000 $985,000 $117,000 $1,259,000
Not applicable 186 $701,120,000 $3,769,000 $79,005,000 $0 $0
Asian 185 $51,165,000 $276,000 $1,355,000 $158,000 $1,035,000
American Indian or Alaskan Native 27 $5,915,000 $219,000 $1,235,000 $121,000 $420,000
Native Hawaiian or Other Pacific Islander 3 $275,000 $91,000 $125,000 $105,000 $121,000

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) 8,343 $2,355,635,000 $282,000 $79,005,000 $146,000 $7,281,000
FHA-insured (Federal Housing Administration) 521 $120,805,000 $231,000 $705,000 $90,000 $559,000
VA-guaranteed (Veterans Administration) 140 $49,070,000 $350,000 $805,000 $116,000 $350,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 46 $6,620,000 $143,000 $385,000 $65,000 $115,000

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 6,012 $1,895,960,000 $315,000 $79,005,000 $150,000 $7,281,000
Application Withdrawn By Applicant 1,416 $404,090,000 $285,000 $39,255,000 $147,000 $1,374,000
Application Denied By Financial Institution 1,372 $182,300,000 $132,000 $4,005,000 $104,000 $2,076,000
Application Approved But Not Accepted 129 $18,885,000 $146,000 $1,005,000 $127,000 $911,000
File Closed For Incompleteness 121 $30,895,000 $255,000 $755,000 $136,000 $798,000
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 7,678 $2,349,830,000 $306,000 $79,005,000 $149,000 $7,281,000
Debt-To-Income Ratio 624 $94,770,000 $151,000 $4,005,000 $78,000 $805,000
Credit History 453 $39,705,000 $87,000 $1,405,000 $103,000 $500,000
Collateral 229 $35,045,000 $153,000 $3,025,000 $158,000 $1,400,000
Other 37 $5,415,000 $146,000 $1,005,000 $204,000 $2,076,000
Unverifiable Information 13 $1,935,000 $148,000 $505,000 $187,000 $412,000
Employment History 10 $1,990,000 $199,000 $505,000 $69,000 $253,000
Insufficient Cash (Downpayment, Closing Cost) 6 $3,440,000 $573,000 $2,755,000 $79,000 $107,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Omaha's 2023 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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