# First National Bank of Omaha

> **Canonical URL:** https://saferate.com/lenders/first-national-bank-of-omaha


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First National Bank of Omaha is a bank, headquartered in Omaha, NE, serving borrowers across 31 states, with 2,097 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** LDVFX8JEECFFE8HRWA73
- **Headquarters:** Omaha, NE
- **Geographic Reach:** Near-National
- **States Served:** 31
- **State List:** AK, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MT, NC, NE, NJ, NY, OK, OR, PA, SC, SD, TN, TX, WA, WI, WY
- **Markets (MSAs):** 14
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.225%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,306
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,097
- **Dollar Volume:** $601 million
- **Applications Received:** 3,143
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $286,392
- **Average Borrower Income:** $133,090
- **Average Property Value:** $367,624

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 1,737 | +0.227% | $1,321 | Exceptional 🤩 |
| FHA | 75/100 | 239 | +0.401% | $1,232 | Strong 😀 |
| VA | 72/100 | 78 | -0.337% | $912 | Strong 😀 |
| Jumbo | 67/100 | 27 | +0.261% | $1,560 | Strong 😀 |
| USDA | 75/100 | 16 | +0.351% | $1,838 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,567 loans, Score: 82/100 (Exceptional)
- Refinance: 170 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 228 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 78 loans, Score: 72/100 (Strong)

**Jumbo:**
- Purchase: 27 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 1,916 | $562M | +0.220% | Exceptional 🤩 |
| Refinance | 70/100 | 181 | $39M | +0.274% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 1,207 | 5.64% | 98/100 |
| IL | 221 | 0.18% | 69/100 |
| SD | 143 | 1.61% | 73/100 |
| CO | 132 | 0.16% | 64/100 |
| IA | 113 | 0.32% | 63/100 |
| KS | 97 | 0.32% | 67/100 |
| MO | 94 | 0.13% | 59/100 |
| WY | 19 | 0.30% | 49/100 |
| TX | 17 | 0.00% | 36/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Omaha, NE | NE-IA | 850 | 100/100 |
| Non |  | 435 | 70/100 |
| Kansas City, MO | MO-KS | 171 | 70/100 |
| Elgin, IL | IL | 132 | 81/100 |
| Sioux Falls, SD | SD-MN | 95 | 70/100 |
| Lincoln, NE | NE | 85 | 69/100 |
| Chicago | IL | 60 | 56/100 |
| Fort Collins | CO | 50 | 66/100 |
| Grand Island, NE | NE | 40 | 81/100 |
| Greeley, CO | CO | 37 | 61/100 |
| Denver | CO | 23 | 47/100 |
| Rockford, IL | IL | 12 | 43/100 |
| Cheyenne, WY | WY | 11 | 43/100 |
| Dallas | TX | 11 | 37/100 |

## Where This Lender Ranks

First National Bank of Omaha appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Elgin, IL Banks
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/banks)
- 🥇 **#1** in Elgin, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Nebraska for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Omaha, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Elgin, IL
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders)
- 🥈 **#2** in Elgin, IL for Conventional Loans
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Elgin, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Fort Collins Banks
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/banks)
- 🥈 **#2** in Grand Island, NE for Conventional Loans
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Grand Island, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Greeley, CO Banks
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/banks)
- 🥈 **#2** in Greeley, CO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Nebraska for Conventional Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Nebraska for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Omaha, NE for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Omaha, NE for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Sioux Falls, SD for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/sioux-falls-sd/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Fort Collins for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Grand Island, NE
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders)
- 🥉 **#3** in Grand Island, NE Banks
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does First National Bank of Omaha offer?

First National Bank of Omaha offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First National Bank of Omaha offer mortgages?

First National Bank of Omaha offers mortgages in 31 states: AK, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MT, NC, NE, NJ, NY, OK, OR, PA, SC, SD, TN, TX, WA, WI, WY.

### How competitive are First National Bank of Omaha's mortgage rates?

First National Bank of Omaha has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.225% above market average.

### What type of lender is First National Bank of Omaha?

First National Bank of Omaha is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Omaha, NE.

### What is First National Bank of Omaha's loan approval success rate?

First National Bank of Omaha has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-national-bank-of-omaha

### How to Cite

> "First National Bank of Omaha Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-national-bank-of-omaha

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