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First National Bank of Omaha
Bank|Omaha, NE|Near-National
Loans Originated
2,097
Applications
3,143
Volume
$600 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.225%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,306
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
66.7%
Percentage of applications that result in closed loans
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
Report Card
First National Bank of Omaha performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 14 metro areas · 31 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$286,392
Average Borrower Income
$133,090
Average Property Value
$367,624
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% | $1,321 |
FHA Loans | Strong | Strong | Strong | Strong | 239 | 11.4% | +0.401% | $1,232 |
VA Loans | Strong | Strong | Strong | Strong | 78 | 3.7% | -0.337% | $912 |
Jumbo Loans | Sound | Strong | Sound | Acceptable | 27 | 1.3% | +0.261% | $1,560 |
USDA Loans | Sound | Strong | N/A | Sound | 16 | 0.8% | +0.351% | $1,838 |
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% | $1,284 |
Refinance | Strong | Strong | Strong | Sound | 181 | 8.6% | +0.274% | $1,522 |
Geographic Coverage
Metro Areas
13
States Served
31
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Omaha, NE, NE-IAMSA
Volume: 850Mix: 40.53%
Place Specialization
Exceptional
2
Grand Island, NE, NEMSA
Volume: 40Mix: 1.91%
Place Specialization
Exceptional
3
Elgin, IL, ILMSA
Volume: 132Mix: 6.29%
Place Specialization
Exceptional
4
Kansas City, MO, MO-KSMSA
Volume: 171Mix: 8.15%
Place Specialization
Strong
5
Sioux Falls, SD, SD-MNMSA
Volume: 95Mix: 4.53%
Place Specialization
Strong
6
Lincoln, NE, NEMSA
Volume: 85Mix: 4.05%
Place Specialization
Strong
7
Fort Collins, COMSA
Volume: 50Mix: 2.38%
Place Specialization
Strong
8
Greeley, CO, COMSA
Volume: 37Mix: 1.76%
Place Specialization
Strong
9
Chicago, ILMSA
Volume: 60Mix: 2.86%
Place Specialization
Sound
10
Denver, COMSA
Volume: 23Mix: 1.10%
Place Specialization
Sound
Showing 10 of 13 metro areas
Top States by Place Specialization Score
1
NEState
Volume: 1,207Mix: 57.56%
Place Specialization
Exceptional
2
SDState
Volume: 143Mix: 6.82%
Place Specialization
Strong
3
ILState
Volume: 221Mix: 10.54%
Place Specialization
Strong
4
KSState
Volume: 97Mix: 4.63%
Place Specialization
Strong
5
COState
Volume: 132Mix: 6.29%
Place Specialization
Strong
6
IAState
Volume: 113Mix: 5.39%
Place Specialization
Strong
7
MOState
Volume: 94Mix: 4.48%
Place Specialization
Sound
8
WYState
Volume: 19Mix: 0.91%
Place Specialization
Sound
9
TXState
Volume: 17Mix: 0.81%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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