First National Bank of Omaha Mortgage Lending & HMDA Data, 2025
In 2025, First National Bank of Omaha of Omaha, NE reported 6,317 mortgage applications totaling $1.8 billion, down 16% from 2024. The average application was for $287,012, and applicants reported an average income of $135,758. 59% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (2,207), Kansas City, MO-KS (769) and Elgin, IL (532) (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 | 6,317 |
| Total Mortgage Loan Application Amount | $1,813,055,000 |
| Average Mortgage Loan Application Amount | $287,012 |
| Highest Mortgage Loan Application Amount | $77,035,000 |
| Average Applicant Income | $135,758 |
| Highest Applicant Income | $2,899,000 |
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records First National Bank of Omaha filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,207 | $ 380,345,000 | $ 172,335 | $ 126,846 |
| Outside any metro area | 1,009 | $ 161,235,000 | $ 159,796 | $ 115,298 |
| Kansas City, MO-KS | 769 | $ 326,635,000 | $ 424,752 | $ 177,178 |
| Elgin, IL | 532 | $ 95,360,000 | $ 179,248 | $ 107,000 |
| Fort Collins, CO | 393 | $ 83,985,000 | $ 213,702 | $ 162,000 |
| Chicago-Naperville, IL | 368 | $ 99,990,000 | $ 271,711 | $ 125,000 |
| Greeley, CO | 283 | $ 75,205,000 | $ 265,742 | $ 129,000 |
| Lincoln, NE | 122 | $ 26,260,000 | $ 215,245 | $ 178,000 |
| Denver-Aurora-Lakewood, CO | 98 | $ 23,530,000 | $ 240,102 | $ 161,000 |
| Grand Island, NE | 95 | $ 12,535,000 | $ 131,947 | $ 94,000 |
| Boulder, CO | 70 | $ 18,250,000 | $ 260,714 | $ 166,000 |
| Rockford, IL | 50 | $ 7,610,000 | $ 152,200 | $ 82,000 |
| Cheyenne, WY | 41 | $ 8,445,000 | $ 205,975 | $ 146,000 |
| Dallas-Plano-Irving, TX | 40 | $ 14,390,000 | $ 359,750 | $ 196,000 |
| Lake County-Kenosha County, IL-WI | 11 | $ 1,615,000 | $ 146,818 | $ 212,000 |
| Colorado Springs, CO | 10 | $ 2,790,000 | $ 279,000 | $ 179,000 |
| Des Moines-West Des Moines, IA | 10 | $ 2,180,000 | $ 218,000 | $ 143,000 |
| Phoenix-Mesa-Scottsdale, AZ | 10 | $ 130,440,000 | $ 13,044,000 | $ 250,000 |
| Sioux Falls, SD | 8 | $ 2,260,000 | $ 282,500 | $ 194,250 |
| Lawrence, KS | 6 | $ 1,380,000 | $ 230,000 | $ 213,000 |
| St. Louis, MO-IL | 6 | $ 2,670,000 | $ 445,000 | $ 251,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 1,605,000 | $ 321,000 | $ 240,000 |
| Lakewood-New Brunswick, NJ | 5 | $ 1,575,000 | $ 315,000 | $ 180,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 73,805,000 | $ 14,761,000 | $ 115,000 |
| Newark, NJ-PA | 5 | $ 2,145,000 | $ 429,000 | $ 160,000 |
| San Antonio-New Braunfels, TX | 5 | $ 965,000 | $ 193,000 | $ 205,000 |
| St. Joseph, MO-KS | 5 | $ 755,000 | $ 151,000 | $ 66,000 |
| Camden, NJ | 4 | $ 38,900,000 | $ 9,725,000 | $ 99,000 |
| Rapid City, SD | 4 | $ 1,490,000 | $ 372,500 | $ 423,000 |
| Springfield, MO | 4 | $ 1,150,000 | $ 287,500 | $ 133,000 |
| Austin-Round Rock, TX | 3 | $ 1,475,000 | $ 491,666 | $ 298,000 |
| Fort Worth-Arlington, TX | 3 | $ 715,000 | $ 238,333 | $ 102,000 |
| Grand Junction, CO | 3 | $ 945,000 | $ 315,000 | $ 121,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 515,000 | $ 171,666 | $ 59,333 |
| Manhattan, KS | 3 | $ 675,000 | $ 225,000 | $ 124,000 |
| Provo-Orem, UT | 3 | $ 32,745,000 | $ 10,915,000 | $ 178,000 |
| Sioux City, IA-NE-SD | 3 | $ 885,000 | $ 295,000 | $ 139,000 |
| Topeka, KS | 3 | $ 785,000 | $ 261,666 | $ 222,000 |
| Wichita, KS | 3 | $ 845,000 | $ 281,666 | $ 168,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 650,000 | $ 325,000 | $ 81,000 |
| Ames, IA | 2 | $ 560,000 | $ 280,000 | $ 123,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,730,000 | $ 865,000 | $ 427,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 860,000 | $ 430,000 | $ 185,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 660,000 | $ 330,000 | $ 145,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 36,210,000 | $ 18,105,000 | $ 174,000 |
| Columbus, OH | 2 | $ 103,540,000 | $ 51,770,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 750,000 | $ 375,000 | $ 159,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 540,000 | $ 270,000 | $ 127,000 |
| Iowa City, IA | 2 | $ 740,000 | $ 370,000 | $ 176,000 |
| Killeen-Temple, TX | 2 | $ 380,000 | $ 190,000 | $ 112,000 |
| Lansing-East Lansing, MI | 2 | $ 270,000 | $ 135,000 | $ 142,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 970,000 | $ 485,000 | $ 203,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 3,240,000 | $ 1,620,000 | $ 803,000 |
| Nassau County-Suffolk County, NY | 2 | $ 210,000 | $ 105,000 | $ 50,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,160,000 | $ 580,000 | $ 304,500 |
| Philadelphia, PA | 2 | $ 530,000 | $ 265,000 | $ 137,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 550,000 | $ 275,000 | $ 156,000 |
| Rochester, MN | 2 | $ 700,000 | $ 350,000 | $ 67,000 |
| Tucson, AZ | 2 | $ 1,000,000 | $ 500,000 | $ 198,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 420,000 | $ 210,000 | $ 98,000 |
| York-Hanover, PA | 2 | $ 410,000 | $ 205,000 | $ 126,000 |
| Amherst Town-Northampton, MA | 1 | $ 255,000 | $ 255,000 | $ 64,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| Beaumont-Port Arthur, TX | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Billings, MT | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Brownsville-Harlingen, TX | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 155,000 | $ 155,000 | $ 160,000 |
| Casper, WY | 1 | $ 235,000 | $ 235,000 | $ 125,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 585,000 | $ 585,000 | $ 202,000 |
| Chattanooga, TN-GA | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Clarksville, TN-KY | 1 | $ 215,000 | $ 215,000 | $ 136,000 |
| Cleveland, OH | 1 | $ 215,000 | $ 215,000 | $ 78,000 |
| Columbia, MO | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Decatur, AL | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 385,000 | $ 385,000 | $ 230,000 |
| Dover, DE | 1 | $ 325,000 | $ 325,000 | $ 96,000 |
| Durham-Chapel Hill, NC | 1 | $ 515,000 | $ 515,000 | $ 186,000 |
| El Paso, TX | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Elkhart-Goshen, IN | 1 | $ 275,000 | $ 275,000 | $ 96,000 |
| Eugene, OR | 1 | $ 545,000 | $ 545,000 | $ 211,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 95,000 | $ 95,000 | $ 150,000 |
| Green Bay, WI | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Harrisburg-Carlisle, PA | 1 | $ 285,000 | $ 285,000 | $ 69,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 255,000 | $ 255,000 | $ 178,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Ithaca, NY | 1 | $ 315,000 | $ 315,000 | $ 151,000 |
| Lakeland-Winter Haven, FL | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Memphis, TN-MS-AR | 1 | $ 325,000 | $ 325,000 | $ 84,000 |
| Michigan City-La Porte, IN | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Minot, ND | 1 | $ 285,000 | $ 285,000 | $ 225,000 |
| Mobile, AL | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Monroe, LA | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 305,000 | $ 305,000 | $ 174,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 325,000 | $ 325,000 | $ 88,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 525,000 | $ 525,000 | $ 542,000 |
| Norwich-New London, CT | 1 | $ 285,000 | $ 285,000 | $ 365,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Oshkosh-Neenah, WI | 1 | $ 305,000 | $ 305,000 | $ 85,000 |
| Paducah, KY-IL | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Panama City, FL | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 375,000 | $ 375,000 | $ 222,000 |
| Peoria, IL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 275,000 | $ 275,000 | $ 91,000 |
| Port St. Lucie, FL | 1 | $ 535,000 | $ 535,000 | $ 389,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 405,000 | $ 405,000 | $ 156,000 |
| Pueblo, CO | 1 | $ 255,000 | $ 255,000 | $ 227,000 |
| Racine, WI | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Raleigh, NC | 1 | $ 295,000 | $ 295,000 | $ 116,000 |
| Richmond, VA | 1 | $ 75,000 | $ 75,000 | $ 81,000 |
| San Diego-Carlsbad, CA | 1 | $ 965,000 | $ 965,000 | $ 237,000 |
| Santa Fe, NM | 1 | $ 1,585,000 | $ 1,585,000 | $ 900,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 435,000 | $ 435,000 | $ 97,000 |
| Sebastian-Vero Beach, FL | 1 | $ 295,000 | $ 295,000 | $ 104,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Tallahassee, FL | 1 | $ 65,000 | $ 65,000 | $ 144,000 |
| Tampa, FL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Tulsa, OK | 1 | $ 235,000 | $ 235,000 | $ 93,000 |
| Victoria, TX | 1 | $ 355,000 | $ 355,000 | $ 146,000 |
| Visalia-Porterville, CA | 1 | $ 55,000 | $ 55,000 | $ 147,000 |
| Waco, TX | 1 | $ 225,000 | $ 225,000 | $ 135,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 115,000 | $ 115,000 | $ 273,000 |
| Wilmington, DE-MD-NJ | 1 | $ 445,000 | $ 445,000 | $ 287,000 |
| Worcester, MA-CT | 1 | $ 345,000 | $ 345,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for First National Bank of Omaha in 2025
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 | 2,354 | $1,235,280,000 | $524,000 | $77,035,000 | $147,000 | $2,899,000 |
| Refinancing | 1,462 | $319,650,000 | $218,000 | $36,105,000 | $143,000 | $2,595,000 |
| Home Improvement | 1,310 | $114,550,000 | $87,000 | $895,000 | $127,000 | $2,015,000 |
| Other Purpose | 889 | $75,725,000 | $85,000 | $2,005,000 | $112,000 | $1,493,000 |
| Cash-out Refinancing | 302 | $67,850,000 | $224,000 | $1,505,000 | $121,000 | $2,617,000 |
| 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 | 4,014 | $704,030,000 | $175,000 | $6,605,000 | $143,000 | $2,899,000 |
| Hispanic | 1,211 | $174,655,000 | $144,000 | $735,000 | $92,000 | $1,299,000 |
| Not Provided | 446 | $102,190,000 | $229,000 | $2,395,000 | $171,000 | $1,493,000 |
| Not applicable | 265 | $754,195,000 | $2,846,000 | $77,035,000 | $0 | $0 |
| Asian | 194 | $51,360,000 | $264,000 | $2,595,000 | $168,000 | $953,000 |
| Black or African American | 153 | $22,175,000 | $144,000 | $1,405,000 | $115,000 | $653,000 |
| American Indian or Alaskan Native | 32 | $3,650,000 | $114,000 | $355,000 | $121,000 | $401,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $800,000 | $400,000 | $575,000 | $125,000 | $161,000 |
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) | 5,985 | $1,732,735,000 | $289,000 | $77,035,000 | $138,000 | $2,899,000 |
| FHA-insured (Federal Housing Administration) | 232 | $51,960,000 | $223,000 | $585,000 | $85,000 | $420,000 |
| VA-guaranteed (Veterans Administration) | 83 | $25,585,000 | $308,000 | $1,505,000 | $110,000 | $380,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,775,000 | $163,000 | $245,000 | $70,000 | $104,000 |
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 | 3,757 | $1,263,185,000 | $336,000 | $77,035,000 | $141,000 | $2,760,000 |
| Application Denied By Financial Institution | 1,354 | $178,320,000 | $131,000 | $2,095,000 | $105,000 | $1,980,000 |
| Application Withdrawn By Applicant | 928 | $224,350,000 | $241,000 | $3,295,000 | $155,000 | $2,899,000 |
| File Closed For Incompleteness | 154 | $52,260,000 | $339,000 | $4,805,000 | $165,000 | $1,530,000 |
| Application Approved But Not Accepted | 124 | $94,940,000 | $765,000 | $45,005,000 | $140,000 | $705,000 |
| 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 | 4,963 | $1,634,735,000 | $329,000 | $77,035,000 | $144,000 | $2,899,000 |
| Debt-To-Income Ratio | 607 | $86,335,000 | $142,000 | $1,565,000 | $80,000 | $380,000 |
| Credit History | 457 | $47,505,000 | $103,000 | $2,095,000 | $107,000 | $660,000 |
| Collateral | 186 | $27,370,000 | $147,000 | $805,000 | $161,000 | $1,980,000 |
| Unverifiable Information | 57 | $7,815,000 | $137,000 | $455,000 | $136,000 | $500,000 |
| Other | 24 | $4,060,000 | $169,000 | $805,000 | $178,000 | $1,131,000 |
| Credit Application Incomplete | 13 | $4,145,000 | $318,000 | $1,645,000 | $171,000 | $576,000 |
| Employment History | 8 | $830,000 | $103,000 | $185,000 | $12,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $260,000 | $130,000 | $165,000 | $100,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Omaha's 2025 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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