Omaha-Council Bluffs, NE-IA Metro Area Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 64,214 mortgage applications in Omaha-Council Bluffs, NE-IA metro area totaling $9.5 billion, down 11% from 2009. The average application was for $147,567, and applicants reported an average income of $81,438. 58% of applications resulted in an originated loan and 11% were denied. The most active lender was Wells Fargo Bank, NA, with 10,215 applications, followed by First National Bank of Omaha and Bank of America, N.A..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 64,214 |
| Total Mortgage Loan Application Amount | $9,475,926,000 |
| Average Mortgage Loan Application Amount | $147,567 |
| Highest Mortgage Loan Application Amount | $15,690,000 |
| Average Applicant Income | $81,438 |
| Highest Applicant Income | $8,332,000 |
Top Mortgage Lenders in Omaha-Council Bluffs, NE-IA Metro Area (2010)
Ranked by the number of mortgage applications each lender reported in Omaha-Council Bluffs, NE-IA metro area in 2010.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank, NA Winston-Salem, NC |
10,215 | $1,546,608,000 | $151,000 | $90,000 |
| 2 | First National Bank of Omaha Omaha, NE |
4,569 | $623,267,000 | $136,000 | $86,000 |
| 3 | Bank of America, N.A. Calabasas, CA |
3,875 | $604,246,000 | $155,000 | $79,000 |
| 4 | US Bank, N.A. Milwaukee, WI |
2,985 | $460,701,000 | $154,000 | $59,000 |
| 5 | Wells Fargo Funding, Inc Winston-Salem, NC |
2,507 | $453,039,000 | $180,000 | $93,000 |
| 6 | Franklin American Mortgage Co Franklin, TN |
1,938 | $326,434,000 | $168,000 | $39,000 |
| 7 | American National Bank Omaha, NE |
1,839 | $263,522,000 | $143,000 | $88,000 |
| 8 | Metlife Bank, N.A. Convent Station, NJ |
1,393 | $211,113,000 | $151,000 | $62,000 |
| 9 | Mutual of Omaha Bank Omaha, NE |
1,158 | $231,014,000 | $199,000 | $127,000 |
| 10 | Bank of the West Monterey Park, CA |
1,149 | $153,537,000 | $133,000 | $93,000 |
See every lender active in Omaha-Council Bluffs, NE-IA metro area in 2010 »
The tables below break down 2010 mortgage applications in Omaha-Council Bluffs, NE-IA metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Omaha-Council Bluffs, NE-IA in 2010
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 | 43,883 | $6,802,191,000 | $155,000 | $15,690,000 | $86,000 | $6,667,000 |
| Home Purchase | 16,698 | $2,516,225,000 | $150,000 | $7,422,000 | $71,000 | $8,332,000 |
| Home Improvement | 3,633 | $157,510,000 | $43,000 | $3,300,000 | $74,000 | $1,586,000 |
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 | 50,410 | $7,459,276,000 | $147,000 | $2,000,000 | $89,000 | $8,332,000 |
| Not Provided | 5,162 | $719,515,000 | $139,000 | $2,000,000 | $87,000 | $6,667,000 |
| Not applicable | 4,425 | $771,200,000 | $174,000 | $15,690,000 | $6,000 | $432,000 |
| Hispanic | 1,903 | $216,870,000 | $113,000 | $1,286,000 | $60,000 | $850,000 |
| Black or African American | 1,318 | $151,201,000 | $114,000 | $750,000 | $64,000 | $738,000 |
| Asian | 752 | $121,815,000 | $161,000 | $562,000 | $93,000 | $621,000 |
| American Indian or Alaskan Native | 140 | $17,634,000 | $125,000 | $417,000 | $79,000 | $1,080,000 |
| Native Hawaiian or Other Pacific Islander | 104 | $18,415,000 | $177,000 | $1,000,000 | $89,000 | $360,000 |
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) | 43,086 | $6,368,705,000 | $147,000 | $7,422,000 | $96,000 | $8,332,000 |
| FHA-insured (Federal Housing Administration) | 16,569 | $2,306,666,000 | $139,000 | $15,690,000 | $54,000 | $3,055,000 |
| VA-guaranteed (Veterans Administration) | 4,355 | $776,657,000 | $178,000 | $564,000 | $46,000 | $404,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 204 | $23,898,000 | $117,000 | $1,112,000 | $42,000 | $99,000 |
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 | 37,477 | $5,552,152,000 | $148,000 | $15,690,000 | $90,000 | $8,332,000 |
| Loan Purchased By The Institution | 11,188 | $1,807,129,000 | $161,000 | $2,963,000 | $56,000 | $2,805,000 |
| Application Denied By Financial Institution | 7,310 | $893,836,000 | $122,000 | $7,035,000 | $71,000 | $6,667,000 |
| Application Withdrawn By Applicant | 5,047 | $769,603,000 | $152,000 | $7,422,000 | $85,000 | $3,055,000 |
| Application Approved But Not Accepted | 2,054 | $278,290,000 | $135,000 | $2,100,000 | $88,000 | $1,559,000 |
| File Closed For Incompleteness | 1,137 | $174,779,000 | $153,000 | $1,336,000 | $86,000 | $1,200,000 |
| Preapproval Denied by Financial Institution | 1 | $137,000 | $137,000 | $137,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 1,642 | $126,510,000 | $77,000 | $900,000 | $65,000 | $1,057,000 |
| Collateral | 1,405 | $211,095,000 | $150,000 | $1,149,000 | $93,000 | $1,200,000 |
| Debt-To-Income Ratio | 1,387 | $171,401,000 | $123,000 | $1,700,000 | $54,000 | $437,000 |
| Other | 834 | $112,368,000 | $134,000 | $1,600,000 | $91,000 | $6,667,000 |
| Credit Application Incomplete | 372 | $55,625,000 | $149,000 | $1,440,000 | $73,000 | $629,000 |
| Unverifiable Information | 136 | $20,143,000 | $148,000 | $840,000 | $80,000 | $775,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 124 | $17,699,000 | $142,000 | $492,000 | $76,000 | $645,000 |
| Employment History | 82 | $10,681,000 | $130,000 | $417,000 | $69,000 | $876,000 |
| Mortgage Insurance Denied | 14 | $2,333,000 | $166,000 | $377,000 | $79,000 | $218,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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