Mutual of Omaha Bank Mortgage Lending & HMDA Data, 2011
In 2011, Mutual of Omaha Bank of Omaha, NE reported 5,025 mortgage applications totaling $1.7 billion. The average application was for $344,521, and applicants reported an average income of $204,107. 69% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (996), Lincoln, NE (816) and Phoenix-Mesa-Glendale, AZ (469) (applications in parentheses).
| Mortgage Company & Address | Mutual of Omaha Bank 3333 Farnam St Omaha, NE 68131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 5,025 |
| Total Mortgage Loan Application Amount | $1,731,219,000 |
| Average Mortgage Loan Application Amount | $344,521 |
| Highest Mortgage Loan Application Amount | $11,850,000 |
| Average Applicant Income | $204,107 |
| Highest Applicant Income | $6,498,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mutual of Omaha Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 996 | $ 177,702,000 | $ 178,415 | $ 124,550 |
| Lincoln, NE | 816 | $ 132,983,000 | $ 162,969 | $ 112,000 |
| Phoenix-Mesa-Glendale, AZ | 469 | $ 122,964,000 | $ 262,183 | $ 118,000 |
| Denver-Aurora-Broomfield, CO | 356 | $ 117,193,000 | $ 329,193 | $ 155,000 |
| Naples-Marco Island, FL | 354 | $ 185,486,000 | $ 523,971 | $ 359,000 |
| Cape Coral-Fort Myers, FL | 274 | $ 122,426,000 | $ 446,810 | $ 336,000 |
| Dallas-Plano-Irving, TX | 246 | $ 108,804,000 | $ 442,292 | $ 297,000 |
| San Diego-Carlsbad-San Marcos, CA | 222 | $ 175,959,000 | $ 792,608 | $ 428,000 |
| Austin-Round Rock-San Marcos, TX | 99 | $ 48,702,000 | $ 491,939 | $ 357,000 |
| Tucson, AZ | 84 | $ 24,580,000 | $ 292,619 | $ 117,000 |
| Houston-Sugar Land-Baytown, TX | 56 | $ 51,452,000 | $ 918,785 | $ 297,000 |
| Los Angeles-Long Beach-Glendale, CA | 54 | $ 54,512,000 | $ 1,009,481 | $ 312,000 |
| Des Moines-West Des Moines, IA | 47 | $ 11,677,000 | $ 248,446 | $ 142,000 |
| Las Vegas-Paradise, NV | 47 | $ 15,462,000 | $ 328,978 | $ 207,000 |
| Boulder, CO | 45 | $ 19,033,000 | $ 422,955 | $ 184,000 |
| Reno-Sparks, NV | 44 | $ 15,021,000 | $ 341,386 | $ 411,000 |
| Fort Worth-Arlington, TX | 35 | $ 21,012,000 | $ 600,342 | $ 256,000 |
| Kansas City, MO-KS | 26 | $ 27,393,000 | $ 1,053,576 | $ 104,076 |
| Santa Ana-Anaheim-Irvine, CA | 22 | $ 17,967,000 | $ 816,681 | $ 450,000 |
| Tampa-St. Petersburg-Clearwater, FL | 21 | $ 12,978,000 | $ 618,000 | $ 337,000 |
| Seattle-Bellevue-Everett, WA | 18 | $ 14,173,000 | $ 787,388 | $ 261,000 |
| Philadelphia, PA | 15 | $ 8,310,000 | $ 554,000 | $ 203,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 13 | $ 8,435,000 | $ 648,846 | $ 75,000 |
| Sioux City, IA-NE-SD | 12 | $ 1,073,000 | $ 89,416 | $ 67,000 |
| Honolulu, HI | 11 | $ 6,166,000 | $ 560,545 | $ 196,000 |
| Riverside-San Bernardino-Ontario, CA | 11 | $ 7,482,000 | $ 680,181 | $ 339,000 |
| San Francisco-San Mateo-Redwood City, CA | 10 | $ 10,270,000 | $ 1,027,000 | $ 355,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 10 | $ 13,994,000 | $ 1,399,400 | $ 279,000 |
| Lake Havasu City-Kingman, AZ | 8 | $ 1,005,000 | $ 125,625 | $ 76,000 |
| Ocean City, NJ | 8 | $ 5,958,000 | $ 744,750 | $ 352,000 |
| Colorado Springs, CO | 7 | $ 2,022,000 | $ 288,857 | $ 146,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 2,708,000 | $ 386,857 | $ 341,000 |
| Chicago-Joliet-Naperville, IL | 6 | $ 2,510,000 | $ 418,333 | $ 288,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,100,000 | $ 220,000 | $ 105,000 |
| San Antonio-New Braunfels, TX | 5 | $ 3,008,000 | $ 601,600 | $ 1,115,000 |
| Tulsa, OK | 5 | $ 3,568,000 | $ 713,600 | $ 356,000 |
| Waco, TX | 5 | $ 609,000 | $ 121,800 | $ 299,000 |
| College Station-Bryan, TX | 4 | $ 2,376,000 | $ 594,000 | $ 396,000 |
| Flagstaff, AZ | 4 | $ 949,000 | $ 237,250 | $ 324,000 |
| New Haven-Milford, CT | 4 | $ 1,028,000 | $ 257,000 | $ 116,000 |
| North Port-Bradenton-Sarasota, FL | 4 | $ 2,160,000 | $ 540,000 | $ 507,000 |
| Spokane, WA | 4 | $ 1,084,000 | $ 271,000 | $ 232,000 |
| Trenton-Ewing, NJ | 4 | $ 1,237,000 | $ 309,250 | $ 230,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,623,000 | $ 405,750 | $ 406,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 1,467,000 | $ 366,750 | $ 217,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 10,611,000 | $ 3,537,000 | $ 17,000 |
| Fort Collins-Loveland, CO | 3 | $ 864,000 | $ 288,000 | $ 103,000 |
| Memphis, TN-MS-AR | 3 | $ 1,207,000 | $ 402,333 | $ 631,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 708,000 | $ 236,000 | $ 167,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 3,786,000 | $ 1,262,000 | $ 415,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,927,000 | $ 642,333 | $ 178,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,779,000 | $ 593,000 | $ 139,000 |
| Punta Gorda, FL | 3 | $ 960,000 | $ 320,000 | $ 301,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 1,861,000 | $ 620,333 | $ 167,000 |
| Salt Lake City, UT | 3 | $ 2,222,000 | $ 740,666 | $ 197,000 |
| Sioux Falls, SD | 3 | $ 459,000 | $ 153,000 | $ 61,000 |
| Ann Arbor, MI | 2 | $ 373,000 | $ 186,500 | $ 172,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 524,000 | $ 262,000 | $ 237,000 |
| Bakersfield-Delano, CA | 2 | $ 1,076,000 | $ 538,000 | $ 242,000 |
| Birmingham-Hoover, AL | 2 | $ 724,000 | $ 362,000 | $ 173,000 |
| Camden, NJ | 2 | $ 372,000 | $ 186,000 | $ 103,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 738,000 | $ 369,000 | $ 114,500 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 445,000 | $ 222,500 | $ 101,000 |
| Iowa City, IA | 2 | $ 253,000 | $ 126,500 | $ 96,000 |
| Longview, WA | 2 | $ 165,000 | $ 82,500 | $ 78,000 |
| Nassau-Suffolk, NY | 2 | $ 1,180,000 | $ 590,000 | $ 237,000 |
| Prescott, AZ | 2 | $ 287,000 | $ 143,500 | $ 48,000 |
| Roanoke, VA | 2 | $ 673,000 | $ 336,500 | $ 380,000 |
| Rockingham County-Strafford County, NH | 2 | $ 537,000 | $ 268,500 | $ 140,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 885,000 | $ 442,500 | $ 666,000 |
| Santa Fe, NM | 2 | $ 1,224,000 | $ 612,000 | $ 286,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 1,030,000 | $ 515,000 | $ 123,000 |
| Sebastian-Vero Beach, FL | 2 | $ 821,000 | $ 410,500 | $ 546,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 550,000 | $ 275,000 | $ 358,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 266,000 | $ 266,000 | $ 216,000 |
| Altoona, PA | 1 | $ 268,000 | $ 268,000 | $ 14,000 |
| Ames, IA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Boston-Quincy, MA | 1 | $ 417,000 | $ 417,000 | $ 196,000 |
| Carson City, NV | 1 | $ 400,000 | $ 400,000 | $ 133,000 |
| Casper, WY | 1 | $ 274,000 | $ 274,000 | $ 249,000 |
| Cedar Rapids, IA | 1 | $ 198,000 | $ 198,000 | $ 119,000 |
| Columbia, MO | 1 | $ 2,363,000 | $ 2,363,000 | $ 0 |
| Columbus, OH | 1 | $ 222,000 | $ 222,000 | $ 95,000 |
| Duluth, MN-WI | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 210,000 | $ 210,000 | $ 76,000 |
| Green Bay, WI | 1 | $ 304,000 | $ 304,000 | $ 245,000 |
| Harrisburg-Carlisle, PA | 1 | $ 665,000 | $ 665,000 | $ 291,000 |
| Huntsville, AL | 1 | $ 36,000 | $ 36,000 | $ 79,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 152,000 | $ 152,000 | $ 67,000 |
| Lancaster, PA | 1 | $ 140,000 | $ 140,000 | $ 62,000 |
| Lewiston, ID-WA | 1 | $ 59,000 | $ 59,000 | $ 50,000 |
| Lexington-Fayette, KY | 1 | $ 1,200,000 | $ 1,200,000 | $ 348,000 |
| Longview, TX | 1 | $ 237,000 | $ 237,000 | $ 86,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 330,000 | $ 330,000 | $ 356,000 |
| Lubbock, TX | 1 | $ 302,000 | $ 302,000 | $ 640,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 251,000 | $ 251,000 | $ 110,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 200,000 | $ 200,000 | $ 578,000 |
| Newark-Union, NJ-PA | 1 | $ 94,000 | $ 94,000 | $ 540,000 |
| Olympia, WA | 1 | $ 450,000 | $ 450,000 | $ 103,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 938,000 | $ 938,000 | $ 256,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,312,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 4,200,000 | $ 4,200,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 284,000 | $ 284,000 | $ 300,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 800,000 | $ 800,000 | $ 365,000 |
| Racine, WI | 1 | $ 189,000 | $ 189,000 | $ 182,000 |
| Raleigh-Cary, NC | 1 | $ 340,000 | $ 340,000 | $ 155,000 |
| Rockford, IL | 1 | $ 104,000 | $ 104,000 | $ 77,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 204,000 | $ 204,000 | $ 384,000 |
| Springfield, MO | 1 | $ 216,000 | $ 216,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 1,525,000 | $ 1,525,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Topeka, KS | 1 | $ 92,000 | $ 92,000 | $ 106,000 |
| Tyler, TX | 1 | $ 415,000 | $ 415,000 | $ 220,000 |
Mortgage Loan Application Detail Totals for Mutual of Omaha Bank in 2011
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 | 3,140 | $1,025,149,000 | $326,000 | $11,850,000 | $203,000 | $6,498,000 |
| Home Purchase | 1,807 | $702,498,000 | $388,000 | $8,400,000 | $211,000 | $6,140,000 |
| Home Improvement | 78 | $3,572,000 | $45,000 | $468,000 | $89,000 | $290,000 |
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 | 3,964 | $1,369,561,000 | $345,000 | $7,000,000 | $228,000 | $6,498,000 |
| Not applicable | 436 | $186,215,000 | $427,000 | $11,850,000 | $0 | $0 |
| Not Provided | 362 | $85,157,000 | $235,000 | $2,200,000 | $180,000 | $5,965,000 |
| Hispanic | 110 | $32,486,000 | $295,000 | $2,300,000 | $197,000 | $3,308,000 |
| Asian | 107 | $46,855,000 | $437,000 | $2,475,000 | $275,000 | $1,442,000 |
| Black or African American | 33 | $8,522,000 | $258,000 | $660,000 | $141,000 | $451,000 |
| American Indian or Alaskan Native | 8 | $1,376,000 | $172,000 | $384,000 | $71,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,047,000 | $209,000 | $595,000 | $199,000 | $593,000 |
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) | 4,808 | $1,688,821,000 | $351,000 | $11,850,000 | $210,000 | $6,498,000 |
| FHA-insured (Federal Housing Administration) | 183 | $33,816,000 | $184,000 | $707,000 | $75,000 | $315,000 |
| VA-guaranteed (Veterans Administration) | 34 | $8,582,000 | $252,000 | $606,000 | $91,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 3,481 | $1,294,641,000 | $371,000 | $11,850,000 | $228,000 | $6,498,000 |
| Application Approved But Not Accepted | 467 | $137,805,000 | $295,000 | $2,400,000 | $194,000 | $3,376,000 |
| Application Withdrawn By Applicant | 366 | $146,036,000 | $399,000 | $7,000,000 | $248,000 | $5,965,000 |
| Loan Purchased By The Institution | 365 | $41,074,000 | $112,000 | $358,000 | $0 | $0 |
| Application Denied By Financial Institution | 332 | $105,057,000 | $316,000 | $3,625,000 | $145,000 | $2,121,000 |
| File Closed For Incompleteness | 14 | $6,606,000 | $471,000 | $2,100,000 | $141,000 | $660,000 |
| 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 | 104 | $27,889,000 | $268,000 | $3,625,000 | $125,000 | $1,330,000 |
| Debt-To-Income Ratio | 100 | $35,214,000 | $352,000 | $2,513,000 | $104,000 | $1,151,000 |
| Collateral | 98 | $36,630,000 | $373,000 | $3,575,000 | $220,000 | $2,121,000 |
| Other | 14 | $2,059,000 | $147,000 | $338,000 | $103,000 | $187,000 |
| Unverifiable Information | 6 | $1,583,000 | $263,000 | $800,000 | $179,000 | $246,000 |
| Employment History | 5 | $688,000 | $137,000 | $300,000 | $50,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $904,000 | $226,000 | $417,000 | $95,000 | $129,000 |
| Mortgage Insurance Denied | 1 | $90,000 | $90,000 | $90,000 | $93,000 | $93,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mutual of Omaha Bank's 2011 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 Mutual of Omaha 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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