First National Bank Of Omaha Mortgage Rates, Fees & Info
Omaha, NELEI: LDVFX8JEECFFE8HRWA73
Tax ID: 47-0259043
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First National Bank Of Omaha is a small bank specializing in Home Purchase loans. First National Bank Of Omaha has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Omaha, Chicago, Kansas City, Fort Collins, and Knoxville among others. We have data for 101 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bank Of Omaha has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First National Bank Of Omaha is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 6.87% | 4/5/25 |
| 30 Year Conventional Refi | 6.90% | 4/5/25 |
| 30 Year Cash-out Refi | 6.96% | 4/5/25 |
| 30 Year FHA Purchase | 7.10% | 4/5/25 |
| 30 Year FHA Refi | 7.37% | 4/5/25 |
| 30 Year VA Purchase | 6.41% | 4/5/25 |
| 30 Year VA Refi | 6.24% | 4/5/25 |
| 30 Year USDA Purchase | 7.09% | 4/5/25 |
| 15 Year Conventional Purchase | 6.33% | 4/5/25 |
| 15 Year Conventional Refi | 8.28% | 4/5/25 |
| 15 Year Cash-out Refi | 8.28% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First National Bank Of Omaha Mortgage Calculator
Your Estimates
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This is not an official calculator from First National Bank Of Omaha. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,818Origination Dollar Volume (All Markets)
$1,144,720,000Awards
First National Bank of Omaha - 2024
First National Bank of Omaha is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
First National Bank Of Omaha's average 30 year fixed mortgage rate was
7.03%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.48%.
Relative Fees (Closing Costs)
First National Bank Of Omaha's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,264.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1,846 | $459,840,000 | $249,101 | $3,400 | 7.20% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 597 | $90,405,000 | $151,432 | $4,486 | 6.03% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 461 | $88,785,000 | $192,592 | $3,042 | 6.62% |
| FORT COLLINS, CO (FHA|USDA|VA) | 282 | $71,180,000 | $252,411 | $4,167 | 8.05% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $63,505,000 | $63,505,000 | $0 | 8.56% |
| Outside of Metro Areas | 237 | $42,755,000 | $180,401 | $3,902 | 6.71% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 122 | $37,250,000 | $305,328 | $6,212 | 6.76% |
| LINCOLN, NE (FHA|USDA|VA) | 152 | $30,290,000 | $199,276 | $3,617 | 7.01% |
| GREELEY, CO (FHA|USDA|VA) | 180 | $30,010,000 | $166,722 | $3,982 | 6.71% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $27,365,000 | $9,121,667 | $5,290 | 7.45% |
| Kearney, NE (FHA|USDA|VA) | 126 | $23,390,000 | $185,635 | $3,167 | 7.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $20,005,000 | $20,005,000 | $0 | 8.35% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 72 | $19,850,000 | $275,694 | $5,063 | 6.81% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 79 | $12,435,000 | $157,405 | $2,885 | 6.50% |
| Fremont, NE (FHA|USDA|VA) | 103 | $12,025,000 | $116,748 | $2,549 | 6.77% |
| North Platte, NE (FHA|USDA|VA) | 67 | $8,515,000 | $127,090 | $3,180 | 6.60% |
| Yankton, SD (FHA|USDA|VA) | 39 | $8,425,000 | $216,026 | $4,031 | 7.29% |
| BOULDER, CO (FHA|USDA|VA) | 24 | $7,970,000 | $332,083 | $4,612 | 7.57% |
| CHEYENNE, WY (FHA|USDA|VA) | 31 | $7,925,000 | $255,645 | $6,114 | 7.75% |
| Norfolk, NE (FHA|USDA|VA) | 31 | $6,455,000 | $208,226 | $2,704 | 7.70% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 16 | $6,150,000 | $384,375 | $5,140 | 7.39% |
| Scottsbluff, NE (FHA|USDA|VA) | 42 | $5,980,000 | $142,381 | $4,116 | 7.13% |
| Columbus, NE (FHA|USDA|VA) | 39 | $5,645,000 | $144,744 | $2,801 | 7.89% |
| ROCKFORD, IL (FHA|USDA|VA) | 29 | $5,395,000 | $186,034 | $4,042 | 7.62% |
| Lexington, NE (FHA|USDA|VA) | 36 | $4,560,000 | $126,667 | $3,493 | 5.43% |
| Beatrice, NE (FHA|USDA|VA) | 27 | $3,425,000 | $126,852 | $3,095 | 6.90% |
| Laramie, WY (FHA|USDA|VA) | 10 | $3,420,000 | $342,000 | $4,202 | 7.55% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 8 | $2,980,000 | $372,500 | $4,728 | 7.14% |
| Mitchell, SD (FHA|USDA|VA) | 17 | $2,095,000 | $123,235 | $3,830 | 8.04% |
| Hastings, NE (FHA|USDA|VA) | 12 | $1,990,000 | $165,833 | $3,134 | 6.64% |
| Ottawa, IL (FHA|USDA|VA) | 20 | $1,650,000 | $82,500 | $3,275 | 7.76% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $1,605,000 | $1,605,000 | $11,089 | 7.25% |
| Rochelle, IL (FHA|USDA|VA) | 7 | $1,285,000 | $183,571 | $3,874 | 7.20% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $5,333 | 6.94% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $7,582 | 6.47% |
| LAWRENCE, KS (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $2,475 | 7.54% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $3,505 | 6.63% |
| RAPID CITY, SD (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $4,270 | 6.50% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $3,505 | 6.56% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 6.75% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $5,553 | 7.00% |
| Brookings, SD (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,760 | 6.56% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $4,314 | 7.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $5,700 | 6.63% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $3,431 | 7.38% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $4,970 | 7.63% |
| Vermillion, SD (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $3,161 | 8.25% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $4,395 | 6.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $6,586 | 6.88% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,926 | 7.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $6,057 | 6.50% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,883 | 6.88% |
| Warrensburg, MO (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,847 | 6.75% |
| Ottawa, KS (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,926 | 7.41% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $6,895 | 7.13% |
| Watertown, SD (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,121 | 6.56% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,328 | 6.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,038 | 6.63% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,845 | 6.88% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,201 | 6.69% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $3,380 | 7.04% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,654 | 7.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,928 | 7.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 8.63% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,960 | 7.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,089 | 7.13% |
| Riverton, WY (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,561 | 7.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,907 | 6.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,920 | 6.81% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,494 | 6.75% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,657 | 6.38% |
| Branson, MO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,164 | 6.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 7.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,526 | 7.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,423 | 6.50% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,344 | 6.88% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,387 | 7.00% |
| AMES, IA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,208 | 6.88% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,343 | 6.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,366 | 7.13% |
| Spencer, IA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,105 | 6.50% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,723 | 6.13% |
| Ottumwa, IA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,078 | 6.63% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,683 | 7.31% |
| Huron, SD (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,709 | 6.88% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,926 | 7.00% |
| Dixon, IL (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $5,332 | 7.76% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,051 | 7.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,712 | 7.00% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,585 | 6.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,087 | 6.63% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,794 | 7.00% |
| Pierre, SD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,742 | 6.50% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,857 | 6.38% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,192 | 6.63% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,382 | 7.38% |
| TYLER, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,977 | 7.00% |
| Marshall, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,730 | 7.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,196 | 7.13% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,519 | 5.63% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,040 | 7.13% |
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Product Mix
For 2024, First National Bank Of Omaha's most frequently originated type of loan was Conventional, with 2,381 originations. Their 2nd most popular type was HELOC, with 2,092 originations.
Loan Reason
For 2024, First National Bank Of Omaha's most frequently cited loan purpose was Home Purchase, with 2,476 originations. The 2nd most popular reason was Home Improvement, with 978 originations.
Loan Duration/Length
For 2024, First National Bank Of Omaha's most frequently cited loan duration was 30 Year, with 4,157 originations. The 2nd most popular length was 10 Year, with 200 originations.
Origination Fees/Closing Costs
First National Bank Of Omaha's average total fees were $4,264, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,238 originations.
Interest Rates
During 2024, First National Bank Of Omaha's average interest rate for loans was 7.03%, while their most frequently originated rate bucket for loans was Over 8%, with 1,583 originations.
Loan Sizing
2024 saw First National Bank Of Omaha place emphasis on $100,000 or less loans with 1,819 originations, totaling $88,375,000 in origination value.
Applicant Income
First National Bank Of Omaha lent most frequently to those with incomes in the $100k-150k range, with 1,162 originations. The second most popular income band? $150k-250k, with 882 originations.
Applicant Debt to Income Ratio
First National Bank Of Omaha lent most frequently to those with DTI ratios of 20-30%, with 852 originations. The next most common DTI ratio? 30-36%, with 844 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.98%
First National Bank Of Omaha has a below average approval rate.
Pick Rate
Approvals leading to origination73.31%
First National Bank Of Omaha has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,818 | $1,144,720,000 | $237,592 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,818 | $1,144,720,000 | $237,592 |