Mutual of Omaha Bank Mortgage Lending & HMDA Data, 2012
In 2012, Mutual of Omaha Bank of Omaha, NE reported 6,594 mortgage applications totaling $2.2 billion, up 31% from 2011. The average application was for $333,384, and applicants reported an average income of $199,003. 68% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (1,389), Lincoln, NE (1,122) and Naples-Marco Island, FL (670) (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 | 6,594 |
| Total Mortgage Loan Application Amount | $2,198,335,000 |
| Average Mortgage Loan Application Amount | $333,384 |
| Highest Mortgage Loan Application Amount | $22,150,000 |
| Average Applicant Income | $199,003 |
| Highest Applicant Income | $8,090,000 |
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Act (HMDA) records Mutual of Omaha Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,389 | $ 256,592,000 | $ 184,731 | $ 129,433 |
| Lincoln, NE | 1,122 | $ 167,819,000 | $ 149,571 | $ 98,000 |
| Naples-Marco Island, FL | 670 | $ 243,114,000 | $ 362,856 | $ 226,000 |
| Denver-Aurora-Broomfield, CO | 397 | $ 126,653,000 | $ 319,025 | $ 161,000 |
| Cape Coral-Fort Myers, FL | 395 | $ 147,974,000 | $ 374,617 | $ 280,000 |
| San Diego-Carlsbad-San Marcos, CA | 322 | $ 210,483,000 | $ 653,673 | $ 298,000 |
| Dallas-Plano-Irving, TX | 273 | $ 113,584,000 | $ 416,058 | $ 265,000 |
| Phoenix-Mesa-Glendale, AZ | 256 | $ 134,875,000 | $ 526,855 | $ 240,000 |
| Honolulu, HI | 113 | $ 61,071,000 | $ 540,451 | $ 308,000 |
| Houston-Sugar Land-Baytown, TX | 89 | $ 53,998,000 | $ 606,719 | $ 309,000 |
| Austin-Round Rock-San Marcos, TX | 86 | $ 49,555,000 | $ 576,220 | $ 403,000 |
| Las Vegas-Paradise, NV | 81 | $ 44,408,000 | $ 548,246 | $ 309,000 |
| Los Angeles-Long Beach-Glendale, CA | 74 | $ 78,353,000 | $ 1,058,824 | $ 477,000 |
| Des Moines-West Des Moines, IA | 71 | $ 18,111,000 | $ 255,084 | $ 164,000 |
| Reno-Sparks, NV | 64 | $ 16,493,000 | $ 257,703 | $ 306,000 |
| Tucson, AZ | 58 | $ 25,392,000 | $ 437,793 | $ 129,000 |
| Kansas City, MO-KS | 45 | $ 9,768,000 | $ 217,066 | $ 110,222 |
| Boulder, CO | 42 | $ 20,884,000 | $ 497,238 | $ 255,000 |
| Fort Worth-Arlington, TX | 35 | $ 26,405,000 | $ 754,428 | $ 204,000 |
| Tampa-St. Petersburg-Clearwater, FL | 30 | $ 25,489,000 | $ 849,633 | $ 431,000 |
| Santa Ana-Anaheim-Irvine, CA | 25 | $ 21,874,000 | $ 874,960 | $ 418,000 |
| Sioux City, IA-NE-SD | 21 | $ 2,255,000 | $ 107,380 | $ 82,142 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 19 | $ 4,165,000 | $ 219,210 | $ 120,000 |
| Riverside-San Bernardino-Ontario, CA | 18 | $ 10,755,000 | $ 597,500 | $ 468,000 |
| North Port-Bradenton-Sarasota, FL | 16 | $ 5,760,000 | $ 360,000 | $ 346,000 |
| San Francisco-San Mateo-Redwood City, CA | 15 | $ 13,322,000 | $ 888,133 | $ 589,000 |
| Fort Collins-Loveland, CO | 12 | $ 3,711,000 | $ 309,250 | $ 136,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 10,638,000 | $ 886,500 | $ 306,000 |
| New York-White Plains-Wayne, NY-NJ | 9 | $ 10,435,000 | $ 1,159,444 | $ 1,109,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 9 | $ 2,863,000 | $ 318,111 | $ 326,000 |
| Oakland-Fremont-Hayward, CA | 8 | $ 3,800,000 | $ 475,000 | $ 291,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 8 | $ 2,110,000 | $ 263,750 | $ 373,000 |
| Chicago-Joliet-Naperville, IL | 7 | $ 3,980,000 | $ 568,571 | $ 1,379,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 2,130,000 | $ 304,285 | $ 79,000 |
| Prescott, AZ | 7 | $ 1,771,000 | $ 253,000 | $ 321,000 |
| San Luis Obispo-Paso Robles, CA | 7 | $ 2,262,000 | $ 323,142 | $ 867,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 7 | $ 7,640,000 | $ 1,091,428 | $ 475,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 5,872,000 | $ 838,857 | $ 367,285 |
| Atlanta-Sandy Springs-Marietta, GA | 6 | $ 5,648,000 | $ 941,333 | $ 351,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 4,487,000 | $ 747,833 | $ 263,000 |
| Ocean City, NJ | 6 | $ 1,960,000 | $ 326,666 | $ 296,000 |
| Punta Gorda, FL | 6 | $ 1,164,000 | $ 194,000 | $ 146,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 5,818,000 | $ 969,666 | $ 873,000 |
| Springfield, MO | 6 | $ 829,000 | $ 138,166 | $ 63,000 |
| St. Louis, MO-IL | 6 | $ 27,068,000 | $ 4,511,333 | $ 459,666 |
| Albuquerque, NM | 5 | $ 1,256,000 | $ 251,200 | $ 174,000 |
| Boston-Quincy, MA | 5 | $ 1,685,000 | $ 337,000 | $ 212,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,315,000 | $ 263,000 | $ 367,000 |
| Carson City, NV | 5 | $ 554,000 | $ 110,800 | $ 83,000 |
| Colorado Springs, CO | 5 | $ 1,659,000 | $ 331,800 | $ 116,000 |
| Greeley, CO | 5 | $ 1,063,000 | $ 212,600 | $ 77,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 699,000 | $ 139,800 | $ 70,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,711,000 | $ 342,200 | $ 116,000 |
| Salt Lake City, UT | 5 | $ 6,588,000 | $ 1,317,600 | $ 896,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,663,000 | $ 332,600 | $ 137,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 5,404,000 | $ 1,080,800 | $ 295,000 |
| Edison-New Brunswick, NJ | 4 | $ 1,288,000 | $ 322,000 | $ 115,000 |
| Flagstaff, AZ | 4 | $ 943,000 | $ 235,750 | $ 195,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 2,393,000 | $ 598,250 | $ 274,000 |
| Philadelphia, PA | 4 | $ 1,215,000 | $ 303,750 | $ 228,000 |
| Salinas, CA | 4 | $ 5,086,000 | $ 1,271,500 | $ 631,000 |
| Ames, IA | 3 | $ 587,000 | $ 195,666 | $ 128,000 |
| Beaumont-Port Arthur, TX | 3 | $ 7,182,000 | $ 2,394,000 | $ 37,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 1,297,000 | $ 432,333 | $ 267,666 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 780,000 | $ 260,000 | $ 499,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 990,000 | $ 330,000 | $ 455,000 |
| College Station-Bryan, TX | 3 | $ 1,003,000 | $ 334,333 | $ 201,000 |
| Nassau-Suffolk, NY | 3 | $ 1,744,000 | $ 581,333 | $ 438,000 |
| Pittsburgh, PA | 3 | $ 727,000 | $ 242,333 | $ 109,000 |
| Port St. Lucie, FL | 3 | $ 2,131,000 | $ 710,333 | $ 269,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 2,952,000 | $ 984,000 | $ 361,000 |
| Baltimore-Towson, MD | 2 | $ 560,000 | $ 280,000 | $ 110,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 194,000 | $ 97,000 | $ 112,000 |
| Burlington, NC | 2 | $ 1,200,000 | $ 600,000 | $ 243,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 3,700,000 | $ 1,850,000 | $ 179,000 |
| Columbia, MO | 2 | $ 272,000 | $ 136,000 | $ 70,000 |
| Corpus Christi, TX | 2 | $ 583,000 | $ 291,500 | $ 354,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 459,000 | $ 229,500 | $ 167,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 268,000 | $ 134,000 | $ 37,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 655,000 | $ 327,500 | $ 97,500 |
| Longview, TX | 2 | $ 268,000 | $ 134,000 | $ 83,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 441,000 | $ 220,500 | $ 264,000 |
| Manhattan, KS | 2 | $ 133,000 | $ 66,500 | $ 69,000 |
| Oklahoma City, OK | 2 | $ 472,000 | $ 236,000 | $ 285,000 |
| Olympia, WA | 2 | $ 532,000 | $ 266,000 | $ 101,000 |
| Peabody, MA | 2 | $ 956,000 | $ 478,000 | $ 193,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 871,000 | $ 435,500 | $ 223,000 |
| Pueblo, CO | 2 | $ 904,000 | $ 452,000 | $ 372,000 |
| Sheboygan, WI | 2 | $ 407,000 | $ 203,500 | $ 42,000 |
| Sioux Falls, SD | 2 | $ 168,000 | $ 84,000 | $ 58,000 |
| Stockton, CA | 2 | $ 323,000 | $ 161,500 | $ 82,000 |
| Topeka, KS | 2 | $ 233,000 | $ 116,500 | $ 51,000 |
| Tyler, TX | 2 | $ 2,175,000 | $ 1,087,500 | $ 464,000 |
| Appleton, WI | 1 | $ 332,000 | $ 332,000 | $ 173,000 |
| Asheville, NC | 1 | $ 417,000 | $ 417,000 | $ 83,000 |
| Birmingham-Hoover, AL | 1 | $ 81,000 | $ 81,000 | $ 35,000 |
| Brunswick, GA | 1 | $ 204,000 | $ 204,000 | $ 69,000 |
| Camden, NJ | 1 | $ 180,000 | $ 180,000 | $ 57,000 |
| Cleveland, TN | 1 | $ 217,000 | $ 217,000 | $ 115,000 |
| Columbus, OH | 1 | $ 41,000 | $ 41,000 | $ 520,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 278,000 | $ 278,000 | $ 75,000 |
| Dayton, OH | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 31,000 | $ 31,000 | $ 20,000 |
| Dubuque, IA | 1 | $ 151,000 | $ 151,000 | $ 115,000 |
| Duluth, MN-WI | 1 | $ 243,000 | $ 243,000 | $ 176,000 |
| Gary, IN | 1 | $ 283,000 | $ 283,000 | $ 70,000 |
| Jacksonville, NC | 1 | $ 90,000 | $ 90,000 | $ 136,000 |
| Joplin, MO | 1 | $ 117,000 | $ 117,000 | $ 83,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 238,000 | $ 238,000 | $ 191,000 |
| Lakeland-Winter Haven, FL | 1 | $ 194,000 | $ 194,000 | $ 146,000 |
| Lawrence, KS | 1 | $ 258,000 | $ 258,000 | $ 120,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 198,000 | $ 198,000 | $ 239,000 |
| Lubbock, TX | 1 | $ 93,000 | $ 93,000 | $ 159,000 |
| Memphis, TN-MS-AR | 1 | $ 228,000 | $ 228,000 | $ 275,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 310,000 | $ 310,000 | $ 211,000 |
| Napa, CA | 1 | $ 1,760,000 | $ 1,760,000 | $ 213,000 |
| Newark-Union, NJ-PA | 1 | $ 360,000 | $ 360,000 | $ 114,000 |
| Niles-Benton Harbor, MI | 1 | $ 122,000 | $ 122,000 | $ 48,000 |
| Oshkosh-Neenah, WI | 1 | $ 117,000 | $ 117,000 | $ 76,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 250,000 | $ 250,000 | $ 106,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 180,000 | $ 180,000 | $ 151,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 417,000 | $ 417,000 | $ 1,320,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 765,000 | $ 765,000 | $ 806,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 199,000 | $ 199,000 | $ 174,000 |
| Provo-Orem, UT | 1 | $ 94,000 | $ 94,000 | $ 240,000 |
| Raleigh-Cary, NC | 1 | $ 280,000 | $ 280,000 | $ 100,000 |
| Reading, PA | 1 | $ 975,000 | $ 975,000 | $ 2,479,000 |
| Rochester, MN | 1 | $ 156,000 | $ 156,000 | $ 66,000 |
| Rockingham County-Strafford County, NH | 1 | $ 348,000 | $ 348,000 | $ 150,000 |
| Salem, OR | 1 | $ 756,000 | $ 756,000 | $ 514,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 725,000 | $ 725,000 | $ 644,000 |
| Santa Fe, NM | 1 | $ 405,000 | $ 405,000 | $ 144,000 |
| Savannah, GA | 1 | $ 225,000 | $ 225,000 | $ 409,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 40,000 | $ 40,000 | $ 23,000 |
| Spokane, WA | 1 | $ 504,000 | $ 504,000 | $ 241,000 |
| Toledo, OH | 1 | $ 417,000 | $ 417,000 | $ 520,000 |
| Trenton-Ewing, NJ | 1 | $ 437,000 | $ 437,000 | $ 163,000 |
| Wilmington, NC | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 20,000 | $ 20,000 | $ 65,000 |
| Yuba City, CA | 1 | $ 164,000 | $ 164,000 | $ 408,000 |
Mortgage Loan Application Detail Totals for Mutual of Omaha Bank in 2012
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 | 4,379 | $1,311,395,000 | $299,000 | $22,150,000 | $182,000 | $8,090,000 |
| Home Purchase | 2,149 | $882,724,000 | $410,000 | $8,420,000 | $237,000 | $4,579,000 |
| Home Improvement | 66 | $4,216,000 | $63,000 | $820,000 | $90,000 | $347,000 |
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 | 5,414 | $1,781,877,000 | $329,000 | $6,000,000 | $209,000 | $8,090,000 |
| Not Provided | 555 | $157,489,000 | $283,000 | $4,100,000 | $175,000 | $4,078,000 |
| Not applicable | 228 | $116,352,000 | $510,000 | $22,150,000 | $0 | $0 |
| Asian | 203 | $77,802,000 | $383,000 | $2,450,000 | $202,000 | $2,208,000 |
| Hispanic | 135 | $44,275,000 | $327,000 | $2,160,000 | $214,000 | $2,311,000 |
| Black or African American | 48 | $16,411,000 | $341,000 | $2,600,000 | $213,000 | $1,600,000 |
| American Indian or Alaskan Native | 7 | $1,595,000 | $227,000 | $405,000 | $102,000 | $149,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $2,534,000 | $633,000 | $1,520,000 | $352,000 | $1,119,000 |
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) | 6,351 | $2,153,464,000 | $339,000 | $22,150,000 | $203,000 | $8,090,000 |
| FHA-insured (Federal Housing Administration) | 194 | $34,034,000 | $175,000 | $707,000 | $79,000 | $426,000 |
| VA-guaranteed (Veterans Administration) | 48 | $10,588,000 | $220,000 | $881,000 | $87,000 | $491,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $249,000 | $249,000 | $249,000 | $101,000 | $101,000 |
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 | 4,506 | $1,535,724,000 | $340,000 | $22,150,000 | $211,000 | $8,090,000 |
| Application Withdrawn By Applicant | 1,373 | $472,679,000 | $344,000 | $6,000,000 | $191,000 | $3,108,000 |
| Application Denied By Financial Institution | 315 | $111,692,000 | $354,000 | $5,010,000 | $157,000 | $1,810,000 |
| Loan Purchased By The Institution | 185 | $10,847,000 | $58,000 | $98,000 | $0 | $0 |
| File Closed For Incompleteness | 138 | $42,339,000 | $306,000 | $2,318,000 | $171,000 | $2,208,000 |
| Application Approved But Not Accepted | 77 | $25,054,000 | $325,000 | $2,400,000 | $316,000 | $6,498,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 130 | $45,088,000 | $346,000 | $4,400,000 | $121,000 | $1,600,000 |
| Collateral | 78 | $34,818,000 | $446,000 | $5,010,000 | $211,000 | $1,810,000 |
| Credit History | 65 | $15,026,000 | $231,000 | $1,700,000 | $121,000 | $642,000 |
| Other | 19 | $7,093,000 | $373,000 | $3,000,000 | $139,000 | $580,000 |
| Unverifiable Information | 7 | $2,447,000 | $349,000 | $800,000 | $402,000 | $796,000 |
| Employment History | 6 | $857,000 | $142,000 | $273,000 | $92,000 | $148,000 |
| Mortgage Insurance Denied | 5 | $1,142,000 | $228,000 | $383,000 | $101,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,980,000 | $745,000 | $1,706,000 | $298,000 | $735,000 |
| Credit Application Incomplete | 1 | $2,241,000 | $2,241,000 | $2,241,000 | $1,486,000 | $1,486,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mutual of Omaha Bank's 2012 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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