Foundation One Bank Mortgage Lending & HMDA Data, 2016
In 2016, Foundation One Bank of Omaha, NE reported 436 mortgage applications totaling $91.9 million, up 17% from 2015. The average application was for $210,866, and applicants reported an average income of $145,486. 75% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (324), Lincoln, NE (26) and Daphne-Fairhope-Foley, AL (15) (applications in parentheses).
| Mortgage Company & Address | Foundation One Bank 4141 N 156th St Suite 101 Omaha, NE 68116 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 436 |
| Total Mortgage Loan Application Amount | $91,938,000 |
| Average Mortgage Loan Application Amount | $210,866 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $145,486 |
| Highest Applicant Income | $2,402,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Foundation One Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Douglas, Nebraska | 207 | $ 42,151,000 | $ 203,628 | $ 150,000 |
| Sarpy, Nebraska | 89 | $ 17,792,000 | $ 199,910 | $ 105,000 |
| Lancaster, Nebraska | 25 | $ 5,773,000 | $ 230,920 | $ 124,000 |
| Baldwin, Alabama | 15 | $ 4,257,000 | $ 283,800 | $ 150,000 |
| Saunders, Nebraska | 9 | $ 1,443,000 | $ 160,333 | $ 254,000 |
| Washington, Nebraska | 8 | $ 1,907,000 | $ 238,375 | $ 124,000 |
| Washington, Arkansas | 7 | $ 1,649,000 | $ 235,571 | $ 186,000 |
| Cass, Nebraska | 6 | $ 1,014,000 | $ 169,000 | $ 94,000 |
| Otoe, Nebraska | 5 | $ 1,189,000 | $ 237,800 | $ 133,000 |
| Pottawattamie, Iowa | 4 | $ 884,000 | $ 221,000 | $ 123,000 |
| Lincoln, Nebraska | 4 | $ 1,151,000 | $ 287,750 | $ 226,000 |
| Holt, Nebraska | 3 | $ 690,000 | $ 230,000 | $ 89,000 |
| Mobile, Alabama | 2 | $ 384,000 | $ 192,000 | $ 76,000 |
| Sharp, Arkansas | 2 | $ 240,000 | $ 120,000 | $ 35,000 |
| Denver, Colorado | 2 | $ 530,000 | $ 265,000 | $ 120,000 |
| Jefferson, Colorado | 2 | $ 583,000 | $ 291,500 | $ 84,000 |
| Weld, Colorado | 2 | $ 327,000 | $ 163,500 | $ 137,000 |
| St. Johns, Florida | 2 | $ 819,000 | $ 409,500 | $ 327,000 |
| Sedgwick, Kansas | 2 | $ 383,000 | $ 191,500 | $ 108,000 |
| Hennepin, Minnesota | 2 | $ 578,000 | $ 289,000 | $ 390,000 |
| Buchanan, Missouri | 2 | $ 267,000 | $ 133,500 | $ 300,000 |
| Hall, Nebraska | 2 | $ 227,000 | $ 113,500 | $ 75,000 |
| Clark, Nevada | 2 | $ 472,000 | $ 236,000 | $ 1,022,000 |
| Salt Lake, Utah | 2 | $ 573,000 | $ 286,500 | $ 107,000 |
| Ozaukee, Wisconsin | 2 | $ 724,000 | $ 362,000 | $ 108,000 |
| Maricopa, Arizona | 1 | $ 224,000 | $ 224,000 | $ 90,000 |
| Pinal, Arizona | 1 | $ 316,000 | $ 316,000 | $ 160,000 |
| Benton, Arkansas | 1 | $ 260,000 | $ 260,000 | $ 140,000 |
| San Luis Obispo, California | 1 | $ 337,000 | $ 337,000 | $ 183,000 |
| Douglas, Colorado | 1 | $ 3,000 | $ 3,000 | $ 43,000 |
| New Haven, Connecticut | 1 | $ 417,000 | $ 417,000 | $ 301,000 |
| Pinellas, Florida | 1 | $ 278,000 | $ 278,000 | $ 436,000 |
| Bulloch, Georgia | 1 | $ 191,000 | $ 191,000 | $ 111,000 |
| Lake, Illinois | 1 | $ 368,000 | $ 368,000 | $ 751,000 |
| Audubon, Iowa | 1 | $ 69,000 | $ 69,000 | $ 50,000 |
| Mills, Iowa | 1 | $ 233,000 | $ 233,000 | $ 94,000 |
| Johnson, Kansas | 1 | $ 170,000 | $ 170,000 | $ 46,000 |
| Becker, Minnesota | 1 | $ 117,000 | $ 117,000 | $ 42,000 |
| DeSoto, Mississippi | 1 | $ 208,000 | $ 208,000 | $ 249,000 |
| Clay, Missouri | 1 | $ 117,000 | $ 117,000 | $ 91,000 |
| Johnson, Missouri | 1 | $ 100,000 | $ 100,000 | $ 105,000 |
| St. Charles, Missouri | 1 | $ 310,000 | $ 310,000 | $ 237,000 |
| Wright, Missouri | 1 | $ 148,000 | $ 148,000 | $ 92,000 |
| Boone, Nebraska | 1 | $ 230,000 | $ 230,000 | $ 100,000 |
| Buffalo, Nebraska | 1 | $ 242,000 | $ 242,000 | $ 91,000 |
| Dodge, Nebraska | 1 | $ 182,000 | $ 182,000 | $ 109,000 |
| Hamilton, Nebraska | 1 | $ 228,000 | $ 228,000 | $ 159,000 |
| Scotts Bluff, Nebraska | 1 | $ 145,000 | $ 145,000 | $ 132,000 |
| Seward, Nebraska | 1 | $ 262,000 | $ 262,000 | $ 90,000 |
| Cass, North Dakota | 1 | $ 177,000 | $ 177,000 | $ 65,000 |
| Multnomah, Oregon | 1 | $ 337,000 | $ 337,000 | $ 150,000 |
| Shelby, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 192,000 |
| Sullivan, Tennessee | 1 | $ 162,000 | $ 162,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Foundation One Bank in 2016
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 |
|---|---|---|---|---|---|---|
| Refinancing | 338 | $72,649,000 | $214,000 | $417,000 | $138,000 | $1,920,000 |
| Home Purchase | 93 | $18,840,000 | $202,000 | $615,000 | $171,000 | $2,402,000 |
| Home Improvement | 5 | $449,000 | $89,000 | $360,000 | $177,000 | $395,000 |
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 | 413 | $87,267,000 | $211,000 | $615,000 | $145,000 | $2,402,000 |
| Hispanic | 10 | $2,314,000 | $231,000 | $417,000 | $196,000 | $751,000 |
| Asian | 6 | $1,342,000 | $223,000 | $336,000 | $186,000 | $298,000 |
| Not applicable | 4 | $426,000 | $106,000 | $132,000 | $0 | $0 |
| Black or African American | 3 | $589,000 | $196,000 | $206,000 | $110,000 | $116,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 436 | $91,938,000 | $210,000 | $615,000 | $145,000 | $2,402,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 328 | $70,333,000 | $214,000 | $615,000 | $153,000 | $2,402,000 |
| Application Denied By Financial Institution | 56 | $10,046,000 | $179,000 | $417,000 | $92,000 | $348,000 |
| Application Withdrawn By Applicant | 29 | $5,611,000 | $193,000 | $417,000 | $91,000 | $249,000 |
| Application Approved But Not Accepted | 22 | $5,533,000 | $251,000 | $417,000 | $229,000 | $1,920,000 |
| File Closed For Incompleteness | 1 | $415,000 | $415,000 | $415,000 | $229,000 | $229,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 28 | $5,315,000 | $189,000 | $411,000 | $86,000 | $348,000 |
| Credit History | 22 | $3,793,000 | $172,000 | $417,000 | $101,000 | $275,000 |
| Collateral | 5 | $783,000 | $156,000 | $389,000 | $94,000 | $129,000 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Foundation One Bank's 2016 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 Foundation One Bank'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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with aggregated HMDA statistics today.
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