Mutual of Omaha Bank Mortgage Lending & HMDA Data, 2013

In 2013, Mutual of Omaha Bank of Omaha, NE reported 5,468 mortgage applications totaling $2.1 billion, down 17% from 2012. The average application was for $389,157, and applicants reported an average income of $200,015. 70% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (1,001), Lincoln, NE (745) and Naples-Marco Island, FL (394) (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 5,468
Total Mortgage Loan Application Amount $2,127,914,000
Average Mortgage Loan Application Amount $389,157
Highest Mortgage Loan Application Amount $17,500,000
Average Applicant Income $200,015
Highest Applicant Income $9,999,000

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Act (HMDA) records Mutual of Omaha Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Mutual of Omaha Bank by Metropolitan Area in 2013

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 1,001 $ 181,898,000 $ 181,716 $ 117,093
Lincoln, NE 745 $ 106,725,000 $ 143,255 $ 96,000
Naples-Marco Island, FL 394 $ 206,384,000 $ 523,817 $ 358,000
Phoenix-Mesa-Glendale, AZ 338 $ 167,364,000 $ 495,159 $ 163,000
Cape Coral-Fort Myers, FL 320 $ 107,033,000 $ 334,478 $ 252,000
Denver-Aurora-Broomfield, CO 312 $ 114,909,000 $ 368,298 $ 164,000
San Diego-Carlsbad-San Marcos, CA 228 $ 185,374,000 $ 813,043 $ 407,000
Dallas-Plano-Irving, TX 218 $ 130,163,000 $ 597,077 $ 223,000
Las Vegas-Paradise, NV 129 $ 60,562,000 $ 469,472 $ 317,000
Honolulu, HI 126 $ 58,152,000 $ 461,523 $ 140,000
Austin-Round Rock-San Marcos, TX 111 $ 64,827,000 $ 584,027 $ 344,000
Houston-Sugar Land-Baytown, TX 81 $ 62,794,000 $ 775,234 $ 421,000
Los Angeles-Long Beach-Glendale, CA 79 $ 96,790,000 $ 1,225,189 $ 445,000
Reno-Sparks, NV 59 $ 20,791,000 $ 352,389 $ 249,000
Kansas City, MO-KS 58 $ 41,642,000 $ 717,965 $ 116,517
Fort Worth-Arlington, TX 40 $ 42,047,000 $ 1,051,175 $ 203,000
Tampa-St. Petersburg-Clearwater, FL 38 $ 34,894,000 $ 918,263 $ 225,000
Des Moines-West Des Moines, IA 37 $ 14,748,000 $ 398,594 $ 124,000
Tucson, AZ 37 $ 14,167,000 $ 382,891 $ 148,000
Riverside-San Bernardino-Ontario, CA 32 $ 15,509,000 $ 484,656 $ 204,000
Minneapolis-St. Paul-Bloomington, MN-WI 29 $ 13,075,000 $ 450,862 $ 247,000
Boulder, CO 24 $ 10,114,000 $ 421,416 $ 225,000
North Port-Bradenton-Sarasota, FL 23 $ 14,642,000 $ 636,608 $ 254,000
Santa Ana-Anaheim-Irvine, CA 22 $ 22,627,000 $ 1,028,500 $ 625,000
Sioux City, IA-NE-SD 21 $ 2,556,000 $ 121,714 $ 68,952
New York-White Plains-Wayne, NY-NJ 15 $ 6,795,000 $ 453,000 $ 202,066
San Francisco-San Mateo-Redwood City, CA 15 $ 17,269,000 $ 1,151,266 $ 335,000
Lake Havasu City-Kingman, AZ 14 $ 2,608,000 $ 186,285 $ 155,000
West Palm Beach-Boca Raton-Boynton Beach, FL 13 $ 13,035,000 $ 1,002,692 $ 802,000
Orlando-Kissimmee-Sanford, FL 12 $ 2,058,000 $ 171,500 $ 357,000
Atlanta-Sandy Springs-Marietta, GA 11 $ 11,118,000 $ 1,010,727 $ 617,000
Columbia, MO 8 $ 1,196,000 $ 149,500 $ 63,000
Fort Collins-Loveland, CO 8 $ 1,549,000 $ 193,625 $ 105,000
Tulsa, OK 8 $ 1,208,000 $ 151,000 $ 185,000
Chicago-Joliet-Naperville, IL 7 $ 2,747,000 $ 392,428 $ 338,000
Memphis, TN-MS-AR 7 $ 1,390,000 $ 198,571 $ 229,428
Nassau-Suffolk, NY 7 $ 2,237,000 $ 319,571 $ 216,000
Prescott, AZ 7 $ 2,341,000 $ 334,428 $ 302,000
Colorado Springs, CO 6 $ 1,785,000 $ 297,500 $ 126,000
Flagstaff, AZ 6 $ 3,809,000 $ 634,833 $ 258,000
Nashville-Davidson--Murfreesboro--Franklin, TN 6 $ 1,658,000 $ 276,333 $ 188,000
Salt Lake City, UT 6 $ 4,337,000 $ 722,833 $ 326,000
San Antonio-New Braunfels, TX 6 $ 1,197,000 $ 199,500 $ 38,000
Santa Barbara-Santa Maria-Goleta, CA 6 $ 4,853,000 $ 808,833 $ 503,000
Seattle-Bellevue-Everett, WA 6 $ 3,729,000 $ 621,500 $ 135,000
St. Louis, MO-IL 6 $ 1,139,000 $ 189,833 $ 118,333
Washington-Arlington-Alexandria, DC-VA-MD-WV 6 $ 3,201,000 $ 533,500 $ 223,000
Baltimore-Towson, MD 5 $ 1,071,000 $ 214,200 $ 71,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 5 $ 1,910,000 $ 382,000 $ 239,000
Greeley, CO 5 $ 1,064,000 $ 212,800 $ 172,000
Oklahoma City, OK 5 $ 8,502,000 $ 1,700,400 $ 84,000
Oxnard-Thousand Oaks-Ventura, CA 5 $ 1,773,000 $ 354,600 $ 354,000
Pueblo, CO 5 $ 2,386,000 $ 477,200 $ 325,000
San Luis Obispo-Paso Robles, CA 5 $ 1,762,000 $ 352,400 $ 193,000
Wichita, KS 5 $ 13,798,000 $ 2,759,600 $ 44,000
Albuquerque, NM 4 $ 4,003,000 $ 1,000,750 $ 82,000
Camden, NJ 4 $ 3,755,000 $ 938,750 $ 309,000
Miami-Miami Beach-Kendall, FL 4 $ 699,000 $ 174,750 $ 96,000
Oakland-Fremont-Hayward, CA 4 $ 4,340,000 $ 1,085,000 $ 1,028,000
Philadelphia, PA 4 $ 1,634,000 $ 408,500 $ 172,000
Portland-Vancouver-Hillsboro, OR-WA 4 $ 1,515,000 $ 378,750 $ 130,000
Sacramento--Arden-Arcade--Roseville, CA 4 $ 1,429,000 $ 357,250 $ 276,000
San Jose-Sunnyvale-Santa Clara, CA 4 $ 7,792,000 $ 1,948,000 $ 417,000
Springfield, MO 4 $ 638,000 $ 159,500 $ 62,000
Bridgeport-Stamford-Norwalk, CT 3 $ 1,862,000 $ 620,666 $ 210,000
Charlotte-Gastonia-Rock Hill, NC-SC 3 $ 1,373,000 $ 457,666 $ 249,000
Cincinnati-Middletown, OH-KY-IN 3 $ 432,000 $ 144,000 $ 85,333
Columbus, OH 3 $ 620,000 $ 206,666 $ 85,000
Edison-New Brunswick, NJ 3 $ 738,000 $ 246,000 $ 139,000
Hartford-West Hartford-East Hartford, CT 3 $ 721,000 $ 240,333 $ 115,000
Raleigh-Cary, NC 3 $ 943,000 $ 314,333 $ 127,000
Rochester, MN 3 $ 777,000 $ 259,000 $ 81,000
Santa Cruz-Watsonville, CA 3 $ 1,661,000 $ 553,666 $ 429,000
Sherman-Denison, TX 3 $ 781,000 $ 260,333 $ 218,000
Topeka, KS 3 $ 502,000 $ 167,333 $ 51,000
Allentown-Bethlehem-Easton, PA-NJ 2 $ 518,000 $ 259,000 $ 165,000
Asheville, NC 2 $ 1,483,000 $ 741,500 $ 275,000
Baton Rouge, LA 2 $ 392,000 $ 196,000 $ 107,000
Birmingham-Hoover, AL 2 $ 463,000 $ 231,500 $ 157,000
Boston-Quincy, MA 2 $ 616,000 $ 308,000 $ 116,000
Buffalo-Niagara Falls, NY 2 $ 533,000 $ 266,500 $ 212,000
Carson City, NV 2 $ 1,417,000 $ 708,500 $ 59,000
Cedar Rapids, IA 2 $ 233,000 $ 116,500 $ 110,000
Cleveland-Elyria-Mentor, OH 2 $ 551,000 $ 275,500 $ 193,000
Corpus Christi, TX 2 $ 883,000 $ 441,500 $ 133,000
Crestview-Fort Walton Beach-Destin, FL 2 $ 396,000 $ 198,000 $ 66,000
Dayton, OH 2 $ 218,000 $ 109,000 $ 59,000
Detroit-Livonia-Dearborn, MI 2 $ 1,099,000 $ 549,500 $ 871,000
Fresno, CA 2 $ 2,150,000 $ 1,075,000 $ 292,000
Grand Junction, CO 2 $ 393,000 $ 196,500 $ 94,000
Jacksonville, FL 2 $ 12,154,000 $ 6,077,000 $ 8,000
Knoxville, TN 2 $ 494,000 $ 247,000 $ 101,000
Lake County-Kenosha County, IL-WI 2 $ 563,000 $ 281,500 $ 2,062,000
Lancaster, PA 2 $ 686,000 $ 343,000 $ 70,000
Napa, CA 2 $ 3,300,000 $ 1,650,000 $ 688,000
New Haven-Milford, CT 2 $ 683,000 $ 341,500 $ 177,000
New Orleans-Metairie-Kenner, LA 2 $ 400,000 $ 200,000 $ 345,000
Pittsburgh, PA 2 $ 915,000 $ 457,500 $ 781,000
Provo-Orem, UT 2 $ 418,000 $ 209,000 $ 401,000
Rochester, NY 2 $ 475,000 $ 237,500 $ 110,000
Santa Fe, NM 2 $ 2,182,000 $ 1,091,000 $ 815,000
Vallejo-Fairfield, CA 2 $ 281,000 $ 140,500 $ 88,000
Warren-Troy-Farmington Hills, MI 2 $ 307,000 $ 153,500 $ 84,000
Wilmington, NC 2 $ 299,000 $ 149,500 $ 100,000
Albany-Schenectady-Troy, NY 1 $ 110,000 $ 110,000 $ 120,000
Ann Arbor, MI 1 $ 150,000 $ 150,000 $ 79,000
Bakersfield-Delano, CA 1 $ 280,000 $ 280,000 $ 63,000
Barnstable Town, MA 1 $ 300,000 $ 300,000 $ 141,000
Beaumont-Port Arthur, TX 1 $ 320,000 $ 320,000 $ 124,000
Binghamton, NY 1 $ 139,000 $ 139,000 $ 92,000
Bismarck, ND 1 $ 264,000 $ 264,000 $ 95,000
Bloomington-Normal, IL 1 $ 300,000 $ 300,000 $ 424,000
Boise City-Nampa, ID 1 $ 93,000 $ 93,000 $ 9,000
Bowling Green, KY 1 $ 92,000 $ 92,000 $ 64,000
Bremerton-Silverdale, WA 1 $ 263,000 $ 263,000 $ 599,000
Brunswick, GA 1 $ 337,000 $ 337,000 $ 144,000
Burlington, NC 1 $ 300,000 $ 300,000 $ 168,000
Cambridge-Newton-Framingham, MA 1 $ 418,000 $ 418,000 $ 89,000
Champaign-Urbana, IL 1 $ 124,000 $ 124,000 $ 92,000
Charleston-North Charleston-Summerville, SC 1 $ 125,000 $ 125,000 $ 24,000
Columbia, SC 1 $ 97,000 $ 97,000 $ 62,000
Deltona-Daytona Beach-Ormond Beach, FL 1 $ 128,000 $ 128,000 $ 407,000
Durham-Chapel Hill, NC 1 $ 125,000 $ 125,000 $ 93,000
Fayetteville-Springdale-Rogers, AR-MO 1 $ 4,500,000 $ 4,500,000 $ 0
Florence-Muscle Shoals, AL 1 $ 120,000 $ 120,000 $ 40,000
Glens Falls, NY 1 $ 130,000 $ 130,000 $ 56,000
Greenville-Mauldin-Easley, SC 1 $ 174,000 $ 174,000 $ 190,000
Gulfport-Biloxi, MS 1 $ 183,000 $ 183,000 $ 32,000
Hagerstown-Martinsburg, MD-WV 1 $ 239,000 $ 239,000 $ 29,000
Hanford-Corcoran, CA 1 $ 418,000 $ 418,000 $ 154,000
Hot Springs, AR 1 $ 94,000 $ 94,000 $ 154,000
Indianapolis-Carmel, IN 1 $ 86,000 $ 86,000 $ 92,000
Jackson, MS 1 $ 60,000 $ 60,000 $ 116,000
Kankakee-Bradley, IL 1 $ 125,000 $ 125,000 $ 58,000
La Crosse, WI-MN 1 $ 138,000 $ 138,000 $ 47,000
Lake Charles, LA 1 $ 552,000 $ 552,000 $ 212,000
Lawrence, KS 1 $ 1,778,000 $ 1,778,000 $ 0
Lawton, OK 1 $ 86,000 $ 86,000 $ 135,000
Little Rock-North Little Rock-Conway, AR 1 $ 130,000 $ 130,000 $ 40,000
Louisville/Jefferson County, KY-IN 1 $ 161,000 $ 161,000 $ 81,000
Lubbock, TX 1 $ 183,000 $ 183,000 $ 131,000
Macon, GA 1 $ 120,000 $ 120,000 $ 57,000
Manchester-Nashua, NH 1 $ 285,000 $ 285,000 $ 40,000
Milwaukee-Waukesha-West Allis, WI 1 $ 326,000 $ 326,000 $ 92,000
Montgomery, AL 1 $ 194,000 $ 194,000 $ 99,000
Newark-Union, NJ-PA 1 $ 130,000 $ 130,000 $ 260,000
Palm Bay-Melbourne-Titusville, FL 1 $ 739,000 $ 739,000 $ 1,176,000
Panama City-Lynn Haven-Panama City Beach, FL 1 $ 127,000 $ 127,000 $ 55,000
Peabody, MA 1 $ 352,000 $ 352,000 $ 142,000
Port St. Lucie, FL 1 $ 191,000 $ 191,000 $ 78,000
Portland-South Portland-Biddeford, ME 1 $ 225,000 $ 225,000 $ 201,000
Providence-New Bedford-Fall River, RI-MA 1 $ 388,000 $ 388,000 $ 584,000
Punta Gorda, FL 1 $ 170,000 $ 170,000 $ 116,000
Reading, PA 1 $ 488,000 $ 488,000 $ 110,000
Roanoke, VA 1 $ 525,000 $ 525,000 $ 240,000
Salem, OR 1 $ 724,000 $ 724,000 $ 525,000
Salinas, CA 1 $ 2,860,000 $ 2,860,000 $ 724,000
Santa Rosa-Petaluma, CA 1 $ 998,000 $ 998,000 $ 466,000
Savannah, GA 1 $ 350,000 $ 350,000 $ 619,000
Spokane, WA 1 $ 100,000 $ 100,000 $ 27,000
Tacoma, WA 1 $ 190,000 $ 190,000 $ 115,000
Terre Haute, IN 1 $ 109,000 $ 109,000 $ 40,000
Trenton-Ewing, NJ 1 $ 402,000 $ 402,000 $ 348,000
Virginia Beach-Norfolk-Newport News, VA-NC 1 $ 800,000 $ 800,000 $ 1,505,000
Visalia-Porterville, CA 1 $ 108,000 $ 108,000 $ 34,000
Warner Robins, GA 1 $ 152,000 $ 152,000 $ 1,444,000

Mortgage Loan Application Detail Totals for Mutual of Omaha Bank in 2013

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 3,155 $1,011,329,000 $320,000 $8,190,000 $176,000 $9,999,000
Home Purchase 2,208 $1,077,187,000 $487,000 $17,500,000 $234,000 $9,999,000
Home Improvement 105 $39,398,000 $375,000 $7,951,000 $207,000 $1,701,000

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 4,480 $1,532,547,000 $342,000 $5,100,000 $205,000 $9,999,000
Not Provided 478 $165,645,000 $346,000 $5,100,000 $226,000 $4,355,000
Hispanic 179 $44,236,000 $247,000 $1,962,000 $117,000 $1,855,000
Asian 136 $58,757,000 $432,000 $2,750,000 $256,000 $1,214,000
Not applicable 119 $306,332,000 $2,574,000 $17,500,000 $1,000 $157,000
Black or African American 53 $12,817,000 $241,000 $938,000 $127,000 $850,000
Native Hawaiian or Other Pacific Islander 16 $6,469,000 $404,000 $1,809,000 $153,000 $681,000
American Indian or Alaskan Native 7 $1,111,000 $158,000 $315,000 $62,000 $101,000

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) 5,325 $2,101,334,000 $394,000 $17,500,000 $203,000 $9,999,000
FHA-insured (Federal Housing Administration) 108 $19,187,000 $177,000 $531,000 $74,000 $173,000
VA-guaranteed (Veterans Administration) 35 $7,393,000 $211,000 $472,000 $93,000 $220,000
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 3,840 $1,555,665,000 $405,000 $17,500,000 $198,000 $9,999,000
Application Withdrawn By Applicant 1,023 $366,829,000 $358,000 $5,000,000 $226,000 $9,999,000
Application Denied By Financial Institution 484 $161,672,000 $334,000 $5,100,000 $153,000 $3,031,000
File Closed For Incompleteness 66 $24,979,000 $378,000 $4,000,000 $225,000 $1,480,000
Application Approved But Not Accepted 51 $18,504,000 $362,000 $2,580,000 $268,000 $1,855,000
Loan Purchased By The Institution 4 $265,000 $66,000 $72,000 $19,000 $28,000
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 189 $61,617,000 $326,000 $3,000,000 $84,000 $764,000
Credit History 101 $27,731,000 $274,000 $5,100,000 $184,000 $1,880,000
Collateral 78 $30,399,000 $389,000 $2,381,000 $200,000 $3,031,000
Other 42 $12,022,000 $286,000 $2,500,000 $163,000 $1,074,000
Credit Application Incomplete 34 $15,515,000 $456,000 $1,710,000 $270,000 $2,095,000
Insufficient Cash (Downpayment, Closing Cost) 20 $9,994,000 $499,000 $2,500,000 $228,000 $1,444,000
Unverifiable Information 11 $2,967,000 $269,000 $767,000 $118,000 $322,000
Mortgage Insurance Denied 8 $1,027,000 $128,000 $250,000 $267,000 $1,329,000
Employment History 1 $400,000 $400,000 $400,000 $80,000 $80,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Mutual of Omaha Bank's 2013 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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