Mutual of Omaha Bank Mortgage Lending & HMDA Data, 2014
In 2014, Mutual of Omaha Bank of Omaha, NE reported 3,542 mortgage applications totaling $1.4 billion, down 35% from 2013. The average application was for $395,791, and applicants reported an average income of $182,975. 61% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (484), Lincoln, NE (351) and Phoenix-Mesa-Scottsdale, AZ (261) (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 | 3,542 |
| Total Mortgage Loan Application Amount | $1,401,892,000 |
| Average Mortgage Loan Application Amount | $395,791 |
| Highest Mortgage Loan Application Amount | $25,000,000 |
| Average Applicant Income | $182,975 |
| Highest Applicant Income | $3,631,000 |
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Act (HMDA) records Mutual of Omaha Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 484 | $ 112,417,000 | $ 232,266 | $ 101,545 |
| Lincoln, NE | 351 | $ 44,974,000 | $ 128,131 | $ 79,000 |
| Phoenix-Mesa-Scottsdale, AZ | 261 | $ 116,076,000 | $ 444,735 | $ 164,000 |
| Cape Coral-Fort Myers, FL | 240 | $ 75,047,000 | $ 312,695 | $ 202,000 |
| Denver-Aurora-Lakewood, CO | 212 | $ 85,153,000 | $ 401,665 | $ 156,000 |
| Naples-Immokalee-Marco Island, FL | 199 | $ 85,253,000 | $ 428,407 | $ 280,000 |
| Dallas-Plano-Irving, TX | 192 | $ 65,119,000 | $ 339,161 | $ 154,000 |
| San Diego-Carlsbad, CA | 158 | $ 126,433,000 | $ 800,208 | $ 323,000 |
| Las Vegas-Henderson-Paradise, NV | 131 | $ 64,690,000 | $ 493,816 | $ 238,000 |
| Tampa-St. Petersburg-Clearwater, FL | 130 | $ 55,864,000 | $ 429,723 | $ 125,000 |
| Urban Honolulu, HI | 104 | $ 45,171,000 | $ 434,336 | $ 137,000 |
| Austin-Round Rock, TX | 99 | $ 59,352,000 | $ 599,515 | $ 348,000 |
| Houston-The Woodlands-Sugar Land, TX | 92 | $ 65,548,000 | $ 712,478 | $ 361,000 |
| North Port-Sarasota-Bradenton, FL | 67 | $ 39,569,000 | $ 590,582 | $ 251,000 |
| Los Angeles-Long Beach-Glendale, CA | 59 | $ 70,652,000 | $ 1,197,491 | $ 344,000 |
| Kansas City, MO-KS | 51 | $ 15,127,000 | $ 296,607 | $ 80,882 |
| Fort Worth-Arlington, TX | 46 | $ 8,015,000 | $ 174,239 | $ 105,000 |
| Tucson, AZ | 41 | $ 9,507,000 | $ 231,878 | $ 129,000 |
| Riverside-San Bernardino-Ontario, CA | 35 | $ 11,418,000 | $ 326,228 | $ 334,000 |
| Reno, NV | 32 | $ 7,950,000 | $ 248,437 | $ 116,000 |
| Boulder, CO | 26 | $ 14,113,000 | $ 542,807 | $ 362,000 |
| Des Moines-West Des Moines, IA | 19 | $ 5,924,000 | $ 311,789 | $ 169,000 |
| Grand Island, NE | 19 | $ 1,942,000 | $ 102,210 | $ 66,000 |
| Anaheim-Santa Ana-Irvine, CA | 12 | $ 12,684,000 | $ 1,057,000 | $ 293,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 12 | $ 2,450,000 | $ 204,166 | $ 243,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 2,660,000 | $ 266,000 | $ 162,000 |
| Salt Lake City, UT | 10 | $ 2,425,000 | $ 242,500 | $ 438,000 |
| Sioux City, IA-NE-SD | 8 | $ 837,000 | $ 104,625 | $ 77,000 |
| Chicago-Naperville-Arlington Heights, IL | 7 | $ 3,064,000 | $ 437,714 | $ 134,000 |
| Lakeland-Winter Haven, FL | 7 | $ 898,000 | $ 128,285 | $ 55,000 |
| Oakland-Hayward-Berkeley, CA | 7 | $ 6,769,000 | $ 967,000 | $ 483,000 |
| San Rafael, CA | 7 | $ 10,262,000 | $ 1,466,000 | $ 459,000 |
| Colorado Springs, CO | 6 | $ 4,651,000 | $ 775,166 | $ 307,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 793,000 | $ 132,166 | $ 62,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 4,654,000 | $ 775,666 | $ 278,000 |
| San Antonio-New Braunfels, TX | 6 | $ 1,441,000 | $ 240,166 | $ 124,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 3,089,000 | $ 514,833 | $ 284,666 |
| Wichita, KS | 6 | $ 1,335,000 | $ 222,500 | $ 113,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 25,876,000 | $ 5,175,200 | $ 99,000 |
| Fort Collins, CO | 5 | $ 1,024,000 | $ 204,800 | $ 143,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,460,000 | $ 292,000 | $ 124,000 |
| Greeley, CO | 5 | $ 1,504,000 | $ 300,800 | $ 121,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,268,000 | $ 253,600 | $ 300,000 |
| Punta Gorda, FL | 5 | $ 1,108,000 | $ 221,600 | $ 105,000 |
| Flagstaff, AZ | 4 | $ 2,085,000 | $ 521,250 | $ 620,000 |
| Kahului-Wailuku-Lahaina, HI | 4 | $ 1,800,000 | $ 450,000 | $ 365,000 |
| Nassau County-Suffolk County, NY | 4 | $ 1,543,000 | $ 385,750 | $ 175,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 9,473,000 | $ 2,368,250 | $ 733,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 3,069,000 | $ 767,250 | $ 278,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 780,000 | $ 260,000 | $ 186,000 |
| Lawrence, KS | 3 | $ 499,000 | $ 166,333 | $ 71,000 |
| Memphis, TN-MS-AR | 3 | $ 1,294,000 | $ 431,333 | $ 397,000 |
| Napa, CA | 3 | $ 3,496,000 | $ 1,165,333 | $ 319,000 |
| Newark, NJ-PA | 3 | $ 1,358,000 | $ 452,666 | $ 148,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 3,136,000 | $ 1,045,333 | $ 309,000 |
| Pittsburgh, PA | 3 | $ 2,490,000 | $ 830,000 | $ 210,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 515,000 | $ 171,666 | $ 160,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 2,013,000 | $ 671,000 | $ 161,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,178,000 | $ 392,666 | $ 347,000 |
| Albuquerque, NM | 2 | $ 480,000 | $ 240,000 | $ 94,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 740,000 | $ 370,000 | $ 111,000 |
| Columbia, MO | 2 | $ 340,000 | $ 170,000 | $ 80,000 |
| Columbus, OH | 2 | $ 86,000 | $ 43,000 | $ 26,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 124,000 | $ 62,000 | $ 49,000 |
| Grand Junction, CO | 2 | $ 296,000 | $ 148,000 | $ 273,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 582,000 | $ 291,000 | $ 439,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 440,000 | $ 220,000 | $ 111,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 1,569,000 | $ 784,500 | $ 1,364,000 |
| Provo-Orem, UT | 2 | $ 1,035,000 | $ 517,500 | $ 154,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 2,368,000 | $ 1,184,000 | $ 242,000 |
| Santa Rosa, CA | 2 | $ 1,670,000 | $ 835,000 | $ 331,000 |
| Springfield, MO | 2 | $ 270,000 | $ 135,000 | $ 122,000 |
| St. Joseph, MO-KS | 2 | $ 349,000 | $ 174,500 | $ 52,000 |
| Topeka, KS | 2 | $ 266,000 | $ 133,000 | $ 70,000 |
| Wilmington, NC | 2 | $ 673,000 | $ 336,500 | $ 117,000 |
| Bakersfield, CA | 1 | $ 417,000 | $ 417,000 | $ 338,000 |
| Billings, MT | 1 | $ 144,000 | $ 144,000 | $ 94,000 |
| Birmingham-Hoover, AL | 1 | $ 400,000 | $ 400,000 | $ 1,126,000 |
| Boise City, ID | 1 | $ 1,300,000 | $ 1,300,000 | $ 720,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 465,000 | $ 465,000 | $ 257,000 |
| Camden, NJ | 1 | $ 298,000 | $ 298,000 | $ 54,000 |
| Carbondale-Marion, IL | 1 | $ 122,000 | $ 122,000 | $ 64,000 |
| Carson City, NV | 1 | $ 100,000 | $ 100,000 | $ 22,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 117,000 | $ 117,000 | $ 58,000 |
| Champaign-Urbana, IL | 1 | $ 623,000 | $ 623,000 | $ 0 |
| Charleston, WV | 1 | $ 80,000 | $ 80,000 | $ 46,000 |
| Cincinnati, OH-KY-IN | 1 | $ 95,000 | $ 95,000 | $ 91,000 |
| Columbus, GA-AL | 1 | $ 67,000 | $ 67,000 | $ 53,000 |
| Corpus Christi, TX | 1 | $ 500,000 | $ 500,000 | $ 305,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 1,480,000 | $ 1,480,000 | $ 600,000 |
| Fort Wayne, IN | 1 | $ 162,000 | $ 162,000 | $ 90,000 |
| Gainesville, FL | 1 | $ 60,000 | $ 60,000 | $ 122,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 80,000 | $ 80,000 | $ 455,000 |
| Jacksonville, FL | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Jacksonville, NC | 1 | $ 248,000 | $ 248,000 | $ 58,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 435,000 | $ 435,000 | $ 198,000 |
| Lancaster, PA | 1 | $ 280,000 | $ 280,000 | $ 116,000 |
| Lubbock, TX | 1 | $ 201,000 | $ 201,000 | $ 191,000 |
| Midland, MI | 1 | $ 132,000 | $ 132,000 | $ 218,000 |
| Mobile, AL | 1 | $ 2,370,000 | $ 2,370,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 222,000 | $ 222,000 | $ 143,000 |
| Oklahoma City, OK | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Panama City, FL | 1 | $ 1,208,000 | $ 1,208,000 | $ 759,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 200,000 | $ 200,000 | $ 95,000 |
| Port St. Lucie, FL | 1 | $ 700,000 | $ 700,000 | $ 270,000 |
| Prescott, AZ | 1 | $ 1,139,000 | $ 1,139,000 | $ 660,000 |
| Pueblo, CO | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Raleigh, NC | 1 | $ 160,000 | $ 160,000 | $ 80,000 |
| Salinas, CA | 1 | $ 680,000 | $ 680,000 | $ 124,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 1,300,000 | $ 1,300,000 | $ 227,000 |
| Sebring, FL | 1 | $ 400,000 | $ 400,000 | $ 301,000 |
| Sherman-Denison, TX | 1 | $ 473,000 | $ 473,000 | $ 215,000 |
| Spokane-Spokane Valley, WA | 1 | $ 133,000 | $ 133,000 | $ 75,000 |
| Springfield, MA | 1 | $ 36,000 | $ 36,000 | $ 19,000 |
| St. George, UT | 1 | $ 480,000 | $ 480,000 | $ 96,000 |
| St. Louis, MO-IL | 1 | $ 287,000 | $ 287,000 | $ 71,000 |
| Tacoma-Lakewood, WA | 1 | $ 417,000 | $ 417,000 | $ 385,000 |
| Toledo, OH | 1 | $ 57,000 | $ 57,000 | $ 27,000 |
| Tulsa, OK | 1 | $ 10,300,000 | $ 10,300,000 | $ 0 |
Mortgage Loan Application Detail Totals for Mutual of Omaha Bank in 2014
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 | 2,269 | $965,770,000 | $425,000 | $25,000,000 | $192,000 | $3,631,000 |
| Refinancing | 1,147 | $384,023,000 | $334,000 | $6,000,000 | $166,000 | $3,049,000 |
| Home Improvement | 126 | $52,099,000 | $413,000 | $12,600,000 | $175,000 | $2,316,000 |
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 | 2,588 | $952,069,000 | $367,000 | $3,900,000 | $197,000 | $3,631,000 |
| Not Provided | 358 | $139,589,000 | $389,000 | $3,000,000 | $232,000 | $3,003,000 |
| Hispanic | 297 | $54,349,000 | $182,000 | $3,500,000 | $77,000 | $1,894,000 |
| Asian | 137 | $55,573,000 | $405,000 | $2,175,000 | $153,000 | $845,000 |
| Black or African American | 86 | $18,042,000 | $209,000 | $1,475,000 | $97,000 | $1,292,000 |
| Not applicable | 60 | $177,955,000 | $2,965,000 | $25,000,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,932,000 | $293,000 | $626,000 | $163,000 | $529,000 |
| American Indian or Alaskan Native | 6 | $1,383,000 | $230,000 | $409,000 | $102,000 | $185,000 |
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) | 3,262 | $1,351,763,000 | $414,000 | $25,000,000 | $193,000 | $3,631,000 |
| FHA-insured (Federal Housing Administration) | 172 | $26,974,000 | $156,000 | $452,000 | $55,000 | $244,000 |
| VA-guaranteed (Veterans Administration) | 76 | $18,434,000 | $242,000 | $868,000 | $81,000 | $541,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $4,721,000 | $147,000 | $285,000 | $46,000 | $96,000 |
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 | 2,162 | $882,180,000 | $408,000 | $25,000,000 | $194,000 | $3,631,000 |
| Application Withdrawn By Applicant | 657 | $285,066,000 | $433,000 | $12,600,000 | $211,000 | $3,000,000 |
| Application Denied By Financial Institution | 311 | $112,379,000 | $361,000 | $12,600,000 | $117,000 | $2,863,000 |
| Loan Purchased By The Institution | 242 | $37,846,000 | $156,000 | $485,000 | $51,000 | $183,000 |
| File Closed For Incompleteness | 112 | $56,825,000 | $507,000 | $3,000,000 | $240,000 | $1,671,000 |
| Application Approved But Not Accepted | 58 | $27,596,000 | $475,000 | $3,000,000 | $239,000 | $2,316,000 |
| 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 | 142 | $50,040,000 | $352,000 | $3,500,000 | $96,000 | $2,863,000 |
| Credit History | 79 | $36,351,000 | $460,000 | $12,600,000 | $116,000 | $729,000 |
| Collateral | 50 | $12,761,000 | $255,000 | $2,370,000 | $146,000 | $569,000 |
| Other | 24 | $5,457,000 | $227,000 | $1,988,000 | $129,000 | $588,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $5,996,000 | $666,000 | $2,500,000 | $171,000 | $602,000 |
| Unverifiable Information | 3 | $556,000 | $185,000 | $291,000 | $387,000 | $890,000 |
| Credit Application Incomplete | 2 | $930,000 | $465,000 | $520,000 | $215,000 | $300,000 |
| Employment History | 2 | $288,000 | $144,000 | $166,000 | $34,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mutual of Omaha Bank's 2014 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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