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records First National Bank of Omaha filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 3,199 | $ 597,855,000 | $ 186,888 | $ 135,312 |
| Outside any metro area | 1,492 | $ 233,640,000 | $ 156,595 | $ 109,302 |
| Kansas City, MO-KS | 880 | $ 219,260,000 | $ 249,159 | $ 164,335 |
| Fort Collins, CO | 695 | $ 203,035,000 | $ 292,136 | $ 157,000 |
| Elgin, IL | 603 | $ 91,875,000 | $ 152,363 | $ 109,000 |
| Greeley, CO | 423 | $ 95,635,000 | $ 226,087 | $ 132,000 |
| Lincoln, NE | 280 | $ 55,940,000 | $ 199,785 | $ 139,000 |
| Chicago-Naperville, IL | 258 | $ 54,330,000 | $ 210,581 | $ 149,000 |
| Sioux Falls, SD | 218 | $ 66,560,000 | $ 305,321 | $ 136,000 |
| Denver-Aurora-Lakewood, CO | 208 | $ 89,370,000 | $ 429,663 | $ 235,000 |
| Grand Island, NE | 151 | $ 22,485,000 | $ 148,907 | $ 138,000 |
| Boulder, CO | 109 | $ 48,355,000 | $ 443,623 | $ 241,000 |
| Dallas-Plano-Irving, TX | 109 | $ 88,055,000 | $ 807,844 | $ 235,000 |
| Cheyenne, WY | 68 | $ 16,130,000 | $ 237,205 | $ 115,000 |
| Rockford, IL | 52 | $ 4,250,000 | $ 81,730 | $ 72,000 |
| Fort Worth-Arlington, TX | 24 | $ 13,230,000 | $ 551,250 | $ 261,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 5,975,000 | $ 398,333 | $ 224,000 |
| Colorado Springs, CO | 12 | $ 63,730,000 | $ 5,310,833 | $ 201,000 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 68,885,000 | $ 6,262,272 | $ 235,000 |
| Sioux City, IA-NE-SD | 11 | $ 3,305,000 | $ 300,454 | $ 216,636 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 2,460,000 | $ 307,500 | $ 152,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 4,325,000 | $ 617,857 | $ 361,000 |
| Lawrence, KS | 6 | $ 1,400,000 | $ 233,333 | $ 193,000 |
| Topeka, KS | 6 | $ 1,450,000 | $ 241,666 | $ 92,000 |
| Wichita, KS | 6 | $ 1,390,000 | $ 231,666 | $ 101,000 |
| Baltimore-Columbia-Towson, MD | 5 | $ 1,145,000 | $ 229,000 | $ 92,000 |
| San Antonio-New Braunfels, TX | 5 | $ 795,000 | $ 159,000 | $ 79,000 |
| St. Louis, MO-IL | 5 | $ 905,000 | $ 181,000 | $ 82,600 |
| Columbia, SC | 4 | $ 900,000 | $ 225,000 | $ 171,000 |
| Des Moines-West Des Moines, IA | 4 | $ 1,320,000 | $ 330,000 | $ 109,000 |
| New York-Newark, NY | 4 | $ 1,420,000 | $ 355,000 | $ 78,000 |
| Peoria, IL | 4 | $ 1,000,000 | $ 250,000 | $ 299,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 36,900,000 | $ 9,225,000 | $ 152,500 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 2,130,000 | $ 532,500 | $ 333,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,810,000 | $ 452,500 | $ 164,500 |
| Casper, WY | 3 | $ 925,000 | $ 308,333 | $ 259,000 |
| Cleveland-Elyria, OH | 3 | $ 40,475,000 | $ 13,491,666 | $ 45,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 7,795,000 | $ 2,598,333 | $ 144,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 565,000 | $ 188,333 | $ 174,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 345,000 | $ 115,000 | $ 58,000 |
| Iowa City, IA | 3 | $ 79,465,000 | $ 26,488,333 | $ 369,000 |
| Kankakee, IL | 3 | $ 695,000 | $ 231,666 | $ 146,000 |
| Manhattan, KS | 3 | $ 655,000 | $ 218,333 | $ 115,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 39,575,000 | $ 13,191,666 | $ 115,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,405,000 | $ 468,333 | $ 491,000 |
| Philadelphia, PA | 3 | $ 855,000 | $ 285,000 | $ 154,000 |
| Pueblo, CO | 3 | $ 665,000 | $ 221,666 | $ 138,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 2,025,000 | $ 675,000 | $ 2,547,000 |
| Salt Lake City, UT | 3 | $ 88,765,000 | $ 29,588,333 | $ 144,000 |
| Austin-Round Rock, TX | 2 | $ 70,370,000 | $ 35,185,000 | $ 293,000 |
| Corpus Christi, TX | 2 | $ 590,000 | $ 295,000 | $ 142,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 420,000 | $ 210,000 | $ 80,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,060,000 | $ 530,000 | $ 350,000 |
| Jacksonville, FL | 2 | $ 730,000 | $ 365,000 | $ 210,000 |
| Knoxville, TN | 2 | $ 950,000 | $ 475,000 | $ 244,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 34,210,000 | $ 17,105,000 | $ 54,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 5,440,000 | $ 2,720,000 | $ 1,362,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 1,220,000 | $ 610,000 | $ 231,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 570,000 | $ 285,000 | $ 102,000 |
| Newark, NJ-PA | 2 | $ 880,000 | $ 440,000 | $ 223,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 730,000 | $ 365,000 | $ 121,000 |
| Ocala, FL | 2 | $ 90,000 | $ 45,000 | $ 57,000 |
| Oklahoma City, OK | 2 | $ 640,000 | $ 320,000 | $ 156,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 480,000 | $ 240,000 | $ 173,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 410,000 | $ 205,000 | $ 197,000 |
| Rapid City, SD | 2 | $ 580,000 | $ 290,000 | $ 107,000 |
| Roanoke, VA | 2 | $ 460,000 | $ 230,000 | $ 79,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 190,000 | $ 95,000 | $ 66,000 |
| Toledo, OH | 2 | $ 470,000 | $ 235,000 | $ 80,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 570,000 | $ 285,000 | $ 102,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 700,000 | $ 350,000 | $ 169,000 |
| Akron, OH | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Amarillo, TX | 1 | $ 365,000 | $ 365,000 | $ 95,000 |
| Ames, IA | 1 | $ 275,000 | $ 275,000 | $ 184,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Auburn-Opelika, AL | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Bakersfield, CA | 1 | $ 815,000 | $ 815,000 | $ 720,000 |
| Bend-Redmond, OR | 1 | $ 405,000 | $ 405,000 | $ 97,000 |
| Birmingham-Hoover, AL | 1 | $ 365,000 | $ 365,000 | $ 153,000 |
| Bloomington, IL | 1 | $ 5,000 | $ 5,000 | $ 28,000 |
| Brownsville-Harlingen, TX | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Brunswick, GA | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 15,000 | $ 15,000 | $ 49,000 |
| Camden, NJ | 1 | $ 275,000 | $ 275,000 | $ 103,000 |
| Cedar Rapids, IA | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Charleston-North Charleston, SC | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 315,000 | $ 315,000 | $ 262,000 |
| Chattanooga, TN-GA | 1 | $ 295,000 | $ 295,000 | $ 74,000 |
| Cincinnati, OH-KY-IN | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Coeur D'Alene, ID | 1 | $ 5,000 | $ 5,000 | $ 500,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 525,000 | $ 525,000 | $ 150,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 315,000 | $ 315,000 | $ 84,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Decatur, IL | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Dover, DE | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| East Stroudsburg, PA | 1 | $ 175,000 | $ 175,000 | $ 167,000 |
| Fayetteville, NC | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Fort Wayne, IN | 1 | $ 115,000 | $ 115,000 | $ 93,000 |
| Gary, IN | 1 | $ 505,000 | $ 505,000 | $ 227,000 |
| Grand Junction, CO | 1 | $ 765,000 | $ 765,000 | $ 450,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 345,000 | $ 345,000 | $ 300,000 |
| Jackson, MI | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Jackson, TN | 1 | $ 375,000 | $ 375,000 | $ 119,000 |
| Janesville-Beloit, WI | 1 | $ 255,000 | $ 255,000 | $ 123,000 |
| Johnson City, TN | 1 | $ 335,000 | $ 335,000 | $ 221,000 |
| Killeen-Temple, TX | 1 | $ 335,000 | $ 335,000 | $ 126,000 |
| Lafayette-West Lafayette, IN | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 115,000 | $ 115,000 | $ 10,000 |
| Lakeland-Winter Haven, FL | 1 | $ 305,000 | $ 305,000 | $ 97,000 |
| Lexington-Fayette, KY | 1 | $ 505,000 | $ 505,000 | $ 478,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 215,000 | $ 215,000 | $ 215,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Madison, WI | 1 | $ 24,755,000 | $ 24,755,000 | $ 0 |
| Mankato-North Mankato, MN | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Morristown, TN | 1 | $ 635,000 | $ 635,000 | $ 370,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,365,000 | $ 1,365,000 | $ 639,000 |
| Niles-Benton Harbor, MI | 1 | $ 65,000 | $ 65,000 | $ 144,000 |
| Norwich-New London, CT | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 605,000 | $ 605,000 | $ 107,000 |
| Olympia-Tumwater, WA | 1 | $ 605,000 | $ 605,000 | $ 198,000 |
| Pine Bluff, AR | 1 | $ 115,000 | $ 115,000 | $ 82,000 |
| Pittsburgh, PA | 1 | $ 305,000 | $ 305,000 | $ 168,000 |
| Portland-South Portland, ME | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 515,000 | $ 515,000 | $ 153,000 |
| Punta Gorda, FL | 1 | $ 385,000 | $ 385,000 | $ 300,000 |
| Rochester, MN | 1 | $ 365,000 | $ 365,000 | $ 215,000 |
| San Diego-Carlsbad, CA | 1 | $ 435,000 | $ 435,000 | $ 937,000 |
| Springfield, OH | 1 | $ 285,000 | $ 285,000 | $ 162,000 |
| St. Joseph, MO-KS | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Syracuse, NY | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Tacoma-Lakewood, WA | 1 | $ 1,005,000 | $ 1,005,000 | $ 400,000 |
| The Villages, FL | 1 | $ 445,000 | $ 445,000 | $ 158,000 |
| Tucson, AZ | 1 | $ 305,000 | $ 305,000 | $ 284,000 |
| Tulsa, OK | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Urban Honolulu, HI | 1 | $ 225,000 | $ 225,000 | $ 344,000 |
| Visalia-Porterville, CA | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Warner Robins, GA | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 385,000 | $ 385,000 | $ 291,000 |
| Wilmington, DE-MD-NJ | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| Wilmington, NC | 1 | $ 485,000 | $ 485,000 | $ 160,000 |
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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