Mutual of Omaha Bank Mortgage Lending & HMDA Data, 2009
In 2009, Mutual of Omaha Bank of Omaha, NE reported 3,241 mortgage applications totaling $675.5 million, up 140% from 2008. The average application was for $208,415, and applicants reported an average income of $124,193. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Lincoln, NE (1,455), Omaha-Council Bluffs, NE-IA (1,223) and Phoenix-Mesa-Scottsdale, AZ (106) (applications in parentheses).
| Mortgage Company & Address | Mutual of Omaha Bank 3333 Farnam Street Omaha, NE 68131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,241 |
| Total Mortgage Loan Application Amount | $675,475,000 |
| Average Mortgage Loan Application Amount | $208,415 |
| Highest Mortgage Loan Application Amount | $27,100,000 |
| Average Applicant Income | $124,193 |
| Highest Applicant Income | $5,659,000 |
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Act (HMDA) records Mutual of Omaha Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lincoln, NE | 1,455 | $ 221,404,000 | $ 152,167 | $ 99,000 |
| Omaha-Council Bluffs, NE-IA | 1,223 | $ 239,898,000 | $ 196,155 | $ 129,783 |
| Phoenix-Mesa-Scottsdale, AZ | 106 | $ 20,050,000 | $ 189,150 | $ 164,000 |
| Denver-Aurora-Broomfield, CO | 98 | $ 24,381,000 | $ 248,785 | $ 108,000 |
| Dallas-Plano-Irving, TX | 47 | $ 20,865,000 | $ 443,936 | $ 202,000 |
| Kansas City, MO-KS | 18 | $ 4,237,000 | $ 235,388 | $ 209,777 |
| Naples-Marco Island, FL | 18 | $ 9,490,000 | $ 527,222 | $ 523,000 |
| Boulder, CO | 17 | $ 4,598,000 | $ 270,470 | $ 126,000 |
| Des Moines-West Des Moines, IA | 17 | $ 3,133,000 | $ 184,294 | $ 140,000 |
| Las Vegas-Paradise, NV | 14 | $ 4,346,000 | $ 310,428 | $ 150,000 |
| Fort Worth-Arlington, TX | 12 | $ 16,920,000 | $ 1,410,000 | $ 305,000 |
| Tucson, AZ | 9 | $ 2,213,000 | $ 245,888 | $ 138,000 |
| Nassau-Suffolk, NY | 6 | $ 2,714,000 | $ 452,333 | $ 249,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 896,000 | $ 179,200 | $ 292,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,622,000 | $ 324,400 | $ 304,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 9,137,000 | $ 2,284,250 | $ 191,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 1,445,000 | $ 361,250 | $ 1,090,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 818,000 | $ 272,666 | $ 52,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 2,404,000 | $ 801,333 | $ 249,000 |
| Reno-Sparks, NV | 3 | $ 552,000 | $ 184,000 | $ 67,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 1,189,000 | $ 396,333 | $ 143,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 2,410,000 | $ 803,333 | $ 188,000 |
| Albuquerque, NM | 2 | $ 1,362,000 | $ 681,000 | $ 136,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,407,000 | $ 703,500 | $ 90,000 |
| Colorado Springs, CO | 2 | $ 663,000 | $ 331,500 | $ 174,000 |
| Flagstaff, AZ | 2 | $ 265,000 | $ 132,500 | $ 78,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 441,000 | $ 220,500 | $ 82,000 |
| Roanoke, VA | 2 | $ 735,000 | $ 367,500 | $ 107,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 911,000 | $ 455,500 | $ 704,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 464,000 | $ 232,000 | $ 370,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 255,000 | $ 127,500 | $ 40,500 |
| Akron, OH | 1 | $ 325,000 | $ 325,000 | $ 174,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 310,000 | $ 310,000 | $ 438,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 370,000 | $ 370,000 | $ 62,000 |
| Austin-Round Rock, TX | 1 | $ 1,365,000 | $ 1,365,000 | $ 681,000 |
| Bethesda-Frederick-Rockville, MD | 1 | $ 267,000 | $ 267,000 | $ 173,000 |
| Boston-Quincy, MA | 1 | $ 417,000 | $ 417,000 | $ 196,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 49,000 | $ 49,000 | $ 196,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 291,000 | $ 291,000 | $ 180,000 |
| Cedar Rapids, IA | 1 | $ 209,000 | $ 209,000 | $ 66,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 1,000,000 | $ 1,000,000 | $ 400,000 |
| College Station-Bryan, TX | 1 | $ 107,000 | $ 107,000 | $ 117,000 |
| Dubuque, IA | 1 | $ 157,000 | $ 157,000 | $ 113,000 |
| El Paso, TX | 1 | $ 204,000 | $ 204,000 | $ 70,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 239,000 | $ 239,000 | $ 70,000 |
| Fort Collins-Loveland, CO | 1 | $ 276,000 | $ 276,000 | $ 138,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 136,000 | $ 136,000 | $ 94,000 |
| Gulfport-Biloxi, MS | 1 | $ 411,000 | $ 411,000 | $ 736,000 |
| Indianapolis-Carmel, IN | 1 | $ 224,000 | $ 224,000 | $ 61,000 |
| Kalamazoo-Portage, MI | 1 | $ 286,000 | $ 286,000 | $ 163,000 |
| Knoxville, TN | 1 | $ 10,650,000 | $ 10,650,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 134,000 | $ 134,000 | $ 85,000 |
| Logan, UT-ID | 1 | $ 260,000 | $ 260,000 | $ 137,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 40,000 | $ 40,000 | $ 18,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 13,000 | $ 13,000 | $ 20,000 |
| Newark-Union, NJ-PA | 1 | $ 2,100,000 | $ 2,100,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 1 | $ 411,000 | $ 411,000 | $ 518,000 |
| Orlando-Kissimmee, FL | 1 | $ 323,000 | $ 323,000 | $ 271,000 |
| Pascagoula, MS | 1 | $ 417,000 | $ 417,000 | $ 275,000 |
| Philadelphia, PA | 1 | $ 256,000 | $ 256,000 | $ 438,000 |
| Pittsburgh, PA | 1 | $ 338,000 | $ 338,000 | $ 230,000 |
| Prescott, AZ | 1 | $ 285,000 | $ 285,000 | $ 339,000 |
| Pueblo, CO | 1 | $ 183,000 | $ 183,000 | $ 35,000 |
| Raleigh-Cary, NC | 1 | $ 340,000 | $ 340,000 | $ 170,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 148,000 | $ 148,000 | $ 52,000 |
| Springfield, MO | 1 | $ 195,000 | $ 195,000 | $ 92,000 |
| St. Louis, MO-IL | 1 | $ 300,000 | $ 300,000 | $ 157,000 |
| Tulsa, OK | 1 | $ 417,000 | $ 417,000 | $ 500,000 |
| Tuscaloosa, AL | 1 | $ 27,100,000 | $ 27,100,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 417,000 | $ 417,000 | $ 169,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 116,000 | $ 116,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Mutual of Omaha Bank in 2009
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 | 2,563 | $489,899,000 | $191,000 | $3,200,000 | $125,000 | $2,000,000 |
| Home Purchase | 579 | $181,306,000 | $313,000 | $27,100,000 | $121,000 | $5,659,000 |
| Home Improvement | 99 | $4,270,000 | $43,000 | $500,000 | $122,000 | $1,200,000 |
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 | 3,026 | $562,573,000 | $185,000 | $3,600,000 | $126,000 | $5,659,000 |
| Not Provided | 73 | $14,398,000 | $197,000 | $1,000,000 | $106,000 | $391,000 |
| Asian | 45 | $9,017,000 | $200,000 | $417,000 | $102,000 | $360,000 |
| Hispanic | 40 | $6,519,000 | $162,000 | $396,000 | $110,000 | $567,000 |
| Not applicable | 36 | $79,302,000 | $2,202,000 | $27,100,000 | $3,000 | $120,000 |
| Black or African American | 18 | $3,145,000 | $174,000 | $525,000 | $85,000 | $180,000 |
| American Indian or Alaskan Native | 2 | $355,000 | $177,000 | $262,000 | $41,000 | $51,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $166,000 | $166,000 | $166,000 | $106,000 | $106,000 |
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) | 3,054 | $647,546,000 | $212,000 | $27,100,000 | $127,000 | $5,659,000 |
| FHA-insured (Federal Housing Administration) | 167 | $24,297,000 | $145,000 | $346,000 | $68,000 | $750,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,632,000 | $181,000 | $386,000 | $73,000 | $142,000 |
| 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 | 2,832 | $601,613,000 | $212,000 | $27,100,000 | $125,000 | $5,659,000 |
| Application Withdrawn By Applicant | 303 | $62,056,000 | $204,000 | $2,100,000 | $118,000 | $1,813,000 |
| Application Denied By Financial Institution | 100 | $10,980,000 | $109,000 | $615,000 | $87,000 | $332,000 |
| Application Approved But Not Accepted | 6 | $826,000 | $137,000 | $240,000 | $304,000 | $1,200,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 37 | $4,914,000 | $132,000 | $615,000 | $64,000 | $175,000 |
| Credit History | 33 | $3,082,000 | $93,000 | $552,000 | $93,000 | $240,000 |
| Collateral | 22 | $1,788,000 | $81,000 | $330,000 | $105,000 | $332,000 |
| Other | 5 | $566,000 | $113,000 | $226,000 | $113,000 | $175,000 |
| Unverifiable Information | 2 | $361,000 | $180,000 | $224,000 | $166,000 | $213,000 |
| Employment History | 1 | $269,000 | $269,000 | $269,000 | $102,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mutual of Omaha Bank's 2009 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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