First National Bank of Omaha Mortgage Lending & HMDA Data, 2017
In 2017, First National Bank of Omaha of Omaha, NE reported 9,157 mortgage applications totaling $2.0 billion, down 21% from 2016. The average application was for $218,904, and applicants reported an average income of $87,528. 79% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (3,720), Kansas City, MO-KS (687) and Fort Collins, CO (616) (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 | 9,157 |
| Total Mortgage Loan Application Amount | $2,004,513,000 |
| Average Mortgage Loan Application Amount | $218,904 |
| Highest Mortgage Loan Application Amount | $57,500,000 |
| Average Applicant Income | $87,528 |
| Highest Applicant Income | $4,125,000 |
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records First National Bank of Omaha filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,720 | $ 641,254,000 | $ 172,380 | $ 83,870 |
| Kansas City, MO-KS | 687 | $ 256,880,000 | $ 373,915 | $ 101,770 |
| Fort Collins, CO | 616 | $ 153,314,000 | $ 248,886 | $ 89,000 |
| Elgin, IL | 473 | $ 107,514,000 | $ 227,302 | $ 77,000 |
| Chicago-Naperville-Arlington Heights, IL | 417 | $ 67,824,000 | $ 162,647 | $ 96,000 |
| Lincoln, NE | 353 | $ 61,581,000 | $ 174,450 | $ 90,000 |
| Greeley, CO | 313 | $ 66,744,000 | $ 213,239 | $ 87,000 |
| Dallas-Plano-Irving, TX | 157 | $ 53,260,000 | $ 339,235 | $ 119,000 |
| Grand Island, NE | 148 | $ 19,534,000 | $ 131,986 | $ 76,000 |
| Denver-Aurora-Lakewood, CO | 140 | $ 41,917,000 | $ 299,407 | $ 137,000 |
| Boulder, CO | 103 | $ 41,190,000 | $ 399,902 | $ 154,000 |
| Rockford, IL | 87 | $ 11,190,000 | $ 128,620 | $ 56,000 |
| Fort Worth-Arlington, TX | 16 | $ 3,522,000 | $ 220,125 | $ 125,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 5,659,000 | $ 377,266 | $ 102,000 |
| Colorado Springs, CO | 11 | $ 2,641,000 | $ 240,090 | $ 107,000 |
| Houston-The Woodlands-Sugar Land, TX | 11 | $ 4,583,000 | $ 416,636 | $ 202,000 |
| Des Moines-West Des Moines, IA | 8 | $ 17,407,000 | $ 2,175,875 | $ 143,000 |
| Cheyenne, WY | 7 | $ 939,000 | $ 134,142 | $ 71,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 3,777,000 | $ 539,571 | $ 310,000 |
| Sherman-Denison, TX | 6 | $ 1,294,000 | $ 215,666 | $ 162,000 |
| Sioux City, IA-NE-SD | 6 | $ 802,000 | $ 133,666 | $ 74,000 |
| Springfield, MO | 6 | $ 1,790,000 | $ 298,333 | $ 140,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 103,308,000 | $ 20,661,600 | $ 37,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 842,000 | $ 210,500 | $ 88,500 |
| Lawrence, KS | 4 | $ 1,195,000 | $ 298,750 | $ 136,000 |
| Wichita, KS | 4 | $ 364,000 | $ 91,000 | $ 77,000 |
| Janesville-Beloit, WI | 3 | $ 605,000 | $ 201,666 | $ 141,000 |
| San Antonio-New Braunfels, TX | 3 | $ 721,000 | $ 240,333 | $ 115,000 |
| Sioux Falls, SD | 3 | $ 547,000 | $ 182,333 | $ 111,000 |
| Ames, IA | 2 | $ 504,000 | $ 252,000 | $ 129,000 |
| Austin-Round Rock, TX | 2 | $ 608,000 | $ 304,000 | $ 203,000 |
| Bloomington, IL | 2 | $ 199,000 | $ 99,500 | $ 93,000 |
| Casper, WY | 2 | $ 349,000 | $ 174,500 | $ 77,000 |
| Champaign-Urbana, IL | 2 | $ 215,000 | $ 107,500 | $ 117,000 |
| College Station-Bryan, TX | 2 | $ 745,000 | $ 372,500 | $ 125,000 |
| El Paso, TX | 2 | $ 560,000 | $ 280,000 | $ 43,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 498,000 | $ 249,000 | $ 236,000 |
| Madison, WI | 2 | $ 460,000 | $ 230,000 | $ 68,000 |
| Pueblo, CO | 2 | $ 192,000 | $ 96,000 | $ 42,000 |
| San Angelo, TX | 2 | $ 640,000 | $ 320,000 | $ 71,000 |
| St. Louis, MO-IL | 2 | $ 556,000 | $ 278,000 | $ 137,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 305,000 | $ 305,000 | $ 333,000 |
| Ann Arbor, MI | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 29,800,000 | $ 29,800,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Cedar Rapids, IA | 1 | $ 128,000 | $ 128,000 | $ 44,000 |
| Columbia, MO | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 196,000 | $ 196,000 | $ 125,000 |
| Dubuque, IA | 1 | $ 223,000 | $ 223,000 | $ 83,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 226,000 | $ 226,000 | $ 169,000 |
| Grand Junction, CO | 1 | $ 392,000 | $ 392,000 | $ 122,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 146,000 | $ 146,000 | $ 45,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 5,000 | $ 5,000 | $ 63,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 151,000 | $ 151,000 | $ 51,000 |
| Lafayette-West Lafayette, IN | 1 | $ 284,000 | $ 284,000 | $ 144,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 30,600,000 | $ 30,600,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 190,000 | $ 190,000 | $ 73,000 |
| Portland-South Portland, ME | 1 | $ 880,000 | $ 880,000 | $ 638,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 254,000 | $ 254,000 | $ 138,000 |
| Prescott, AZ | 1 | $ 140,000 | $ 140,000 | $ 66,000 |
| Racine, WI | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Rapid City, SD | 1 | $ 319,000 | $ 319,000 | $ 175,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 650,000 | $ 650,000 | $ 278,000 |
| Santa Rosa, CA | 1 | $ 283,000 | $ 283,000 | $ 143,000 |
| Sheboygan, WI | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Topeka, KS | 1 | $ 58,000 | $ 58,000 | $ 57,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 301,000 | $ 301,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for First National Bank of Omaha in 2017
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 | 5,841 | $1,463,380,000 | $250,000 | $57,500,000 | $89,000 | $4,125,000 |
| Refinancing | 2,117 | $395,078,000 | $186,000 | $4,900,000 | $90,000 | $2,243,000 |
| Home Improvement | 1,199 | $146,055,000 | $121,000 | $22,000,000 | $76,000 | $1,060,000 |
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 | 6,951 | $1,217,727,000 | $175,000 | $2,500,000 | $92,000 | $4,125,000 |
| Not Provided | 845 | $166,111,000 | $196,000 | $2,490,000 | $105,000 | $904,000 |
| Hispanic | 689 | $87,434,000 | $126,000 | $1,645,000 | $64,000 | $1,062,000 |
| Not applicable | 298 | $471,645,000 | $1,582,000 | $57,500,000 | $0 | $0 |
| Asian | 182 | $36,515,000 | $200,000 | $969,000 | $103,000 | $534,000 |
| Black or African American | 177 | $22,800,000 | $128,000 | $536,000 | $66,000 | $326,000 |
| American Indian or Alaskan Native | 9 | $994,000 | $110,000 | $296,000 | $59,000 | $160,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,287,000 | $214,000 | $280,000 | $101,000 | $203,000 |
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) | 7,372 | $1,696,496,000 | $230,000 | $57,500,000 | $93,000 | $4,125,000 |
| FHA-insured (Federal Housing Administration) | 1,156 | $180,972,000 | $156,000 | $393,000 | $63,000 | $380,000 |
| VA-guaranteed (Veterans Administration) | 443 | $96,857,000 | $218,000 | $867,000 | $77,000 | $325,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 186 | $30,188,000 | $162,000 | $1,399,000 | $51,000 | $259,000 |
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 | 7,228 | $1,691,376,000 | $234,000 | $57,500,000 | $89,000 | $3,218,000 |
| Application Withdrawn By Applicant | 983 | $199,038,000 | $202,000 | $2,700,000 | $93,000 | $4,125,000 |
| Application Denied By Financial Institution | 601 | $66,202,000 | $110,000 | $1,761,000 | $63,000 | $500,000 |
| Application Approved But Not Accepted | 192 | $15,750,000 | $82,000 | $417,000 | $92,000 | $865,000 |
| File Closed For Incompleteness | 143 | $31,073,000 | $217,000 | $3,965,000 | $89,000 | $500,000 |
| Loan Purchased By The Institution | 10 | $1,074,000 | $107,000 | $136,000 | $26,000 | $43,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 236 | $12,100,000 | $51,000 | $424,000 | $60,000 | $228,000 |
| Debt-To-Income Ratio | 183 | $24,204,000 | $132,000 | $1,761,000 | $46,000 | $222,000 |
| Collateral | 120 | $20,527,000 | $171,000 | $880,000 | $96,000 | $500,000 |
| Other | 27 | $2,353,000 | $87,000 | $510,000 | $75,000 | $358,000 |
| Unverifiable Information | 13 | $2,199,000 | $169,000 | $392,000 | $37,000 | $89,000 |
| Employment History | 12 | $2,243,000 | $186,000 | $424,000 | $26,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,810,000 | $258,000 | $829,000 | $99,000 | $166,000 |
| Credit Application Incomplete | 2 | $626,000 | $313,000 | $518,000 | $45,000 | $67,000 |
| Mortgage Insurance Denied | 1 | $140,000 | $140,000 | $140,000 | $31,000 | $31,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Omaha's 2017 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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