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(HMDA) records Mutual of Omaha Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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