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.

Unclaimed

First National Bank of Omaha

Bank•Omaha, NE•Direct to Consumer

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 4 Ps of Mortgage Shopping.

Pricing

Strong

vs. all lenders

Pull Through

Strong

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

Near-National · 13 mkts

Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar

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Safe Rate's 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

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Report Card

First National Bank of Omaha performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Strong	Highly Competitive +22.5 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Exceptional	Market Leader Top 20% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
USDA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Exceptional	Market Leader Top 20% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Strong	Highly Competitive Top 40% of lenders Near-National14 markets

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	Sound	Strong	—	Sound	16	0.8%	+0.351%Above	$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

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

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

AKAZCACOFLGAIAIDILINKSKYMDMIMNMOMTNCNENJNYOKORPASCSDTNTXWAWIWY

Top Metro Areas by Place Specialization Score

Omaha, NE, NE-IAMSA

Volume: 850Mix: 40.53%of portfolio

Place

Exceptional

Grand Island, NE, NEMSA

Volume: 40Mix: 1.91%of portfolio

Place

Exceptional

Elgin, IL, ILMSA

Volume: 132Mix: 6.29%of portfolio

Place

Exceptional

Kansas City, MO, MO-KSMSA

Volume: 171Mix: 8.15%of portfolio

Place

Strong

Sioux Falls, SD, SD-MNMSA

Volume: 95Mix: 4.53%of portfolio

Place

Strong

Lincoln, NE, NEMSA

Volume: 85Mix: 4.05%of portfolio

Place

Strong

Fort Collins, COMSA

Volume: 50Mix: 2.38%of portfolio

Place

Strong

Greeley, CO, COMSA

Volume: 37Mix: 1.76%of portfolio

Place

Strong

Chicago, ILMSA

Volume: 60Mix: 2.86%of portfolio

Place

Sound

Denver, COMSA

Volume: 23Mix: 1.10%of portfolio

Place

Sound

Showing 10 of 13 metro areas

Top States by Place Specialization Score

NEState

Volume: 1,207Mix: 57.56%of portfolio

Place

Exceptional

SDState

Volume: 143Mix: 6.82%of portfolio

Place

Strong

ILState

Volume: 221Mix: 10.54%of portfolio

Place

Strong

KSState

Volume: 97Mix: 4.63%of portfolio

Place

Strong

COState

Volume: 132Mix: 6.29%of portfolio

Place

Strong

IAState

Volume: 113Mix: 5.39%of portfolio

Place

Strong

MOState

Volume: 94Mix: 4.48%of portfolio

Place

Sound

WYState

Volume: 19Mix: 0.91%of portfolio

Place

Sound

TXState

Volume: 17Mix: 0.81%of portfolio

Place

Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.