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 score and performance metrics.

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 an overall pricing score of 67.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First National Bank of Omaha?

First National Bank of Omaha is a Bank headquartered in Omaha, NE.

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First National Bank of Omaha

Bank•Omaha, NEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from First National Bank of Omaha — 2.1k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Near-National · 13 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Explore another lender or local market

Report Card

First National Bank of Omaha performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+22.5 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 14 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Strong	Strong	1,737	82.8%	+0.227%Above	$1,321Fees
FHA Loans	Strong	Strong	Strong	Strong	239	11.4%	+0.401%Above	$1,232Fees
VA Loans	Strong	Strong	Strong	Strong	78	3.7%	-0.337%Below	$912Fees
Jumbo Loans	Sound	Strong	Sound	Acceptable	27	1.3%	+0.261%Above	$1,560Fees
USDA Loans	Strong	Strong	—	Sound	16	0.8%	+0.351%Above	$1,838Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume1,737

Mix82.8%

Spread

+0.227%Above

Fees

$1,321Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume239

Mix11.4%

Spread

+0.401%Above

Fees

$1,232Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume78

Mix3.7%

Spread

-0.337%Below

Fees

$912Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Acceptable

Volume27

Mix1.3%

Spread

+0.261%Above

Fees

$1,560Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume16

Mix0.8%

Spread

+0.351%Above

Fees

$1,838Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Strong	Strong	1,916	91.4%	+0.220%Above	$1,284Fees
Refinance	Strong	Strong	Strong	Sound	181	8.6%	+0.274%Above	$1,522Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume1,916

Mix91.4%

Spread

+0.220%Above

Fees

$1,284Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume181

Mix8.6%

Spread

+0.274%Above

Fees

$1,522Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

2,097

Applications

3,143

Volume

$600 million

Pricing & Closing

Avg Rate Spread

+0.225%

vs. market APOR

Avg Net Fees

$1,306

Origination − Credits

Pullthrough Rate

66.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$286,392

Avg Borrower Income

$133,090

Avg Property Value

$367,624

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast3

NJNYPA

Midwest10

IAILINKSMIMNMONESDWI

South9

FLGAKYMDNCOKSCTNTX

West9

AKAZCACOIDMTORWAWY

Top Metro Areas by Place Specialization Score

1© Katrina Wiese · CC BY-SA 2.0

Omaha, NE, NE-IAMetro

Volume 850Mix 40.53% of portfolio

100/100

Exceptional

2© Unknown authorUnknown author · Public domain

Grand Island, NEMetro

Volume 40Mix 1.91% of portfolio

81/100

Exceptional

3© G LeTourneau · CC BY-SA 3.0

Elgin, ILMetro

Volume 132Mix 6.29% of portfolio

81/100

Exceptional

Kansas City, MO, MO-KSMetro

Volume 171Mix 8.15% of portfolio

70/100

Strong

Sioux Falls, SD, SD-MNMetro

Volume 95Mix 4.53% of portfolio

70/100

Strong

Lincoln, NEMetro

Volume 85Mix 4.05% of portfolio

69/100

Strong

Fort Collins, COMetro

Volume 50Mix 2.38% of portfolio

66/100

Strong

Greeley, COMetro

Volume 37Mix 1.76% of portfolio

61/100

Strong

Chicago, ILMetro

Volume 60Mix 2.86% of portfolio

56/100

Sound

Denver, COMetro

Volume 23Mix 1.10% of portfolio

47/100

Sound

Showing 10 of 13 metro areas

Top States by Place Specialization Score

NebraskaState

Volume 1,207Mix 57.56% of portfolio

98/100

Exceptional

South DakotaState

Volume 143Mix 6.82% of portfolio

73/100

Strong

IllinoisState

Volume 221Mix 10.54% of portfolio

69/100

Strong

KansasState

Volume 97Mix 4.63% of portfolio

67/100

Strong

ColoradoState

Volume 132Mix 6.29% of portfolio

64/100

Strong

IowaState

Volume 113Mix 5.39% of portfolio

63/100

Strong

MissouriState

Volume 94Mix 4.48% of portfolio

59/100

Sound

WyomingState

Volume 19Mix 0.91% of portfolio

49/100

Sound

TexasState

Volume 17Mix 0.81% of portfolio

36/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.