First National Bank Of Omaha Mortgage Rates, Fees & Info

Omaha, NE

LEI: LDVFX8JEECFFE8HRWA73

Tax ID: 47-0259043

5 stars - Updated: 11/11/24 - out of 5 stars, based on 78 reviews

Latest/2023 | 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 a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Omaha, Kansas City, Fort Collins, Chicago, and Iowa City among others. We have data for 132 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 relatively high 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.72% 11/11/24
30 Year Conventional Purchase 6.49% 11/11/24
30 Year Conventional Refi 6.50% 11/11/24
30 Year Cash-out Refi 6.67% 11/11/24
30 Year FHA Purchase 7.08% 11/11/24
30 Year FHA Refi 7.05% 11/11/24
30 Year VA Purchase 6.33% 11/11/24
30 Year VA Refi 6.27% 11/11/24
30 Year USDA Purchase 6.64% 11/11/24
30 Year USDA Refi 6.27% 11/11/24
15 Year Conventional Purchase 6.09% 11/11/24
15 Year Conventional Refi 6.25% 11/11/24
15 Year Cash-out Refi 6.25% 11/11/24
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

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First National Bank Of Omaha. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

6,012

Origination Dollar Volume (All Markets)

$1,895,960,000
Show all (22) awards

Relative Rate

First National Bank Of Omaha's average 30 year fixed mortgage rate was 7%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.52%.

Relative Fees (Closing Costs)

First National Bank Of Omaha's average total fees/closing costs for a 30 year fixed rate mortgage were $4,502.

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 $9,089.

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) 2,195 $425,375,000 $193,793 $3,445 6.96%
KANSAS CITY, MO-KS (FHA|USDA|VA) 583 $152,995,000 $262,427 $3,951 6.71%
FORT COLLINS, CO (FHA|USDA|VA) 461 $149,835,000 $325,022 $3,356 7.40%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 576 $102,050,000 $177,170 $4,293 6.54%
IOWA CITY, IA (FHA|USDA|VA) 1 $79,005,000 $79,005,000 $0 8.01%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 61 $72,355,000 $1,186,148 $9,509 6.63%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $70,370,000 $35,185,000 $12,510 7.37%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 10 $68,480,000 $6,848,000 $5,637 7.02%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 140 $67,180,000 $479,857 $4,353 7.05%
GREELEY, CO (FHA|USDA|VA) 264 $66,100,000 $250,379 $4,966 7.45%
COLORADO SPRINGS, CO (FHA|USDA|VA) 6 $61,050,000 $10,175,000 $3,337 6.88%
SIOUX FALLS, SD (FHA|USDA|VA) 167 $52,365,000 $313,563 $5,484 6.71%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $49,155,000 $49,155,000 $0 8.16%
LINCOLN, NE (FHA|USDA|VA) 219 $42,365,000 $193,447 $3,367 6.94%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $40,425,000 $40,425,000 $0 7.41%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $39,575,000 $13,191,667 $5,530 6.63%
Outside of Metro Areas 229 $37,225,000 $162,555 $3,788 6.78%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $36,825,000 $12,275,000 $6,275 7.16%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $34,210,000 $17,105,000 $3,613 6.96%
BOULDER, CO (FHA|USDA|VA) 70 $32,980,000 $471,143 $4,406 7.00%
Kearney, NE (FHA|USDA|VA) 200 $32,690,000 $163,450 $3,346 6.44%
MADISON, WI (FHA|USDA|VA) 1 $24,755,000 $24,755,000 $0 7.82%
GRAND ISLAND, NE (FHA|USDA|VA) 104 $15,700,000 $150,962 $2,780 6.27%
Fremont, NE (FHA|USDA|VA) 120 $13,100,000 $109,167 $3,019 6.83%
North Platte, NE (FHA|USDA|VA) 78 $10,500,000 $134,615 $4,213 6.80%
Galesburg, IL (FHA|USDA|VA) 1 $8,965,000 $8,965,000 $0 5.88%
CHEYENNE, WY (FHA|USDA|VA) 31 $7,705,000 $248,548 $5,990 7.06%
Columbus, NE (FHA|USDA|VA) 45 $7,695,000 $171,000 $2,469 7.16%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $7,600,000 $3,800,000 $3,574 7.13%
Scottsbluff, NE (FHA|USDA|VA) 46 $5,920,000 $128,696 $2,995 6.63%
Norfolk, NE (FHA|USDA|VA) 43 $5,665,000 $131,744 $3,684 7.15%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $5,400,000 $2,700,000 $12,338 6.13%
Beatrice, NE (FHA|USDA|VA) 35 $5,265,000 $150,429 $3,211 7.13%
Laramie, WY (FHA|USDA|VA) 18 $4,610,000 $256,111 $4,025 7.54%
Lexington, NE (FHA|USDA|VA) 27 $4,145,000 $153,519 $3,126 6.06%
Yankton, SD (FHA|USDA|VA) 23 $3,675,000 $159,783 $4,132 7.14%
Ottawa, IL (FHA|USDA|VA) 35 $2,945,000 $84,143 $3,395 7.35%
ROCKFORD, IL (FHA|USDA|VA) 33 $2,755,000 $83,485 $3,766 7.35%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $2,415,000 $483,000 $8,392 7.70%
Edwards, CO (FHA|USDA|VA) 2 $2,320,000 $1,160,000 $3,704 6.88%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 6 $1,710,000 $285,000 $6,484 6.23%
Hastings, NE (FHA|USDA|VA) 13 $1,575,000 $121,154 $3,010 5.90%
Mitchell, SD (FHA|USDA|VA) 13 $1,535,000 $118,077 $2,347 7.47%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $1,365,000 $1,365,000 $10,886 6.88%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $1,355,000 $451,667 $16,920 6.83%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $1,290,000 $645,000 $6,309 6.19%
Rochelle, IL (FHA|USDA|VA) 10 $1,180,000 $118,000 $4,469 6.66%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $1,065,000 $355,000 $5,701 6.42%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $5,378 5.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $3,617 5.88%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $995,000 $331,667 $5,128 6.58%
KNOXVILLE, TN (FHA|USDA|VA) 2 $950,000 $475,000 $5,305 6.56%
Dixon, IL (FHA|USDA|VA) 6 $940,000 $156,667 $4,412 6.90%
TOPEKA, KS (FHA|USDA|VA) 4 $880,000 $220,000 $3,821 6.75%
LAWRENCE, KS (FHA|USDA|VA) 4 $850,000 $212,500 $1,395 7.69%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $820,000 $410,000 $5,811 7.06%
Breckenridge, CO (FHA|USDA|VA) 1 $795,000 $795,000 $3,326 6.88%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $730,000 $365,000 $6,526 7.19%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $725,000 $725,000 $8,308 7.25%
WICHITA, KS (FHA|USDA|VA) 3 $685,000 $228,333 $4,094 7.46%
MORRISTOWN, TN (FHA|USDA|VA) 1 $635,000 $635,000 $8,087 7.63%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $595,000 $198,333 $4,377 6.83%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $590,000 $295,000 $5,057 6.71%
PEORIA, IL (FHA|USDA|VA) 2 $560,000 $280,000 $5,621 7.19%
Altus, OK (FHA|USDA|VA) 1 $555,000 $555,000 $12,641 5.63%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $530,000 $265,000 $3,333 7.25%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $525,000 $525,000 $3,092 6.63%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $515,000 $515,000 $5,654 7.63%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $515,000 $515,000 $2,491 6.50%
THE VILLAGES, FL (FHA|USDA|VA) 1 $445,000 $445,000 $2,728 6.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $435,000 $435,000 $7,258 6.75%
Stephenville, TX (FHA|USDA|VA) 2 $420,000 $210,000 $5,383 8.50%
Branson, MO (FHA|USDA|VA) 1 $405,000 $405,000 $5,185 6.88%
Whitewater, WI (FHA|USDA|VA) 3 $395,000 $131,667 $5,005 7.48%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $385,000 $385,000 $5,368 6.63%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $385,000 $385,000 $3,741 7.50%
CASPER, WY (FHA|USDA|VA) 1 $385,000 $385,000 $12,436 5.63%
Sheridan, WY (FHA|USDA|VA) 1 $375,000 $375,000 $5,673 6.50%
Oskaloosa, IA (FHA|USDA|VA) 1 $365,000 $365,000 $7,791 6.00%
AMARILLO, TX (FHA|USDA|VA) 1 $365,000 $365,000 $5,076 6.38%
Vermillion, SD (FHA|USDA|VA) 1 $365,000 $365,000 $2,904 5.88%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $365,000 $365,000 $2,852 7.50%
ROCHESTER, MN (FHA|USDA|VA) 1 $365,000 $365,000 $3,631 7.25%
Huron, SD (FHA|USDA|VA) 4 $360,000 $90,000 $3,010 7.66%
Payson, AZ (FHA|USDA|VA) 1 $355,000 $355,000 $5,457 6.75%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $0 8.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $335,000 $335,000 $5,681 6.38%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $325,000 $325,000 $4,763 6.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $320,000 $160,000 $3,849 6.75%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $315,000 $315,000 $3,930 6.13%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $315,000 $315,000 $4,177 7.38%
PITTSBURGH, PA (FHA|USDA|VA) 1 $305,000 $305,000 $3,667 7.13%
Brookings, SD (FHA|USDA|VA) 1 $295,000 $295,000 $5,860 6.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $295,000 $295,000 $2,980 6.63%
AMES, IA (FHA|USDA|VA) 1 $275,000 $275,000 $5,705 7.63%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $265,000 $265,000 $2,972 6.75%
MANKATO, MN (FHA|USDA|VA) 1 $265,000 $265,000 $11,402 5.63%
Freeport, IL (FHA|USDA|VA) 2 $260,000 $130,000 $3,273 7.13%
KANKAKEE, IL (FHA|USDA|VA) 1 $255,000 $255,000 $2,874 6.38%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $255,000 $255,000 $3,561 7.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $6,334 7.38%
Pittsburg, KS (FHA|USDA|VA) 1 $235,000 $235,000 $5,379 6.88%
ROANOKE, VA (FHA|USDA|VA) 1 $235,000 $235,000 $3,725 7.25%
Ottumwa, IA (FHA|USDA|VA) 1 $225,000 $225,000 $3,271 7.25%
COLUMBIA, SC (FHA|USDA|VA) 1 $225,000 $225,000 $7,719 8.13%
Paducah, KY-IL (FHA|USDA|VA) 1 $215,000 $215,000 $4,765 7.13%
RAPID CITY, SD (FHA|USDA|VA) 1 $215,000 $215,000 $3,860 6.13%
MANHATTAN, KS (FHA|USDA|VA) 1 $205,000 $205,000 $3,078 6.75%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $205,000 $205,000 $4,640 6.63%
Fergus Falls, MN (FHA|USDA|VA) 1 $195,000 $195,000 $4,147 8.00%
Fort Dodge, IA (FHA|USDA|VA) 1 $195,000 $195,000 $7,088 6.63%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $572 7.63%
Maryville, MO (FHA|USDA|VA) 1 $185,000 $185,000 $4,672 6.50%
VISALIA, CA (FHA|USDA|VA) 1 $175,000 $175,000 $5,983 7.38%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.38%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,280 6.50%
Fairfield, IA (FHA|USDA|VA) 1 $165,000 $165,000 $4,066 6.88%
Macomb, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,788 6.63%
Beaver Dam, WI (FHA|USDA|VA) 2 $150,000 $75,000 $2,708 6.56%
Bluefield, WV-VA (FHA|USDA|VA) 1 $145,000 $145,000 $3,506 8.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $135,000 $135,000 $6,368 6.13%
JACKSON, MI (FHA|USDA|VA) 1 $135,000 $135,000 $3,190 5.88%
Carroll, IA (FHA|USDA|VA) 1 $125,000 $125,000 $4,197 8.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $125,000 $125,000 $2,284 8.00%
TOLEDO, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,759 7.25%
PINE BLUFF, AR (FHA|USDA|VA) 1 $115,000 $115,000 $3,653 6.38%
Hays, KS (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.75%
TULSA, OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.13%
McAlester, OK (FHA|USDA|VA) 1 $85,000 $85,000 $4,122 7.75%
Austin, MN (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.13%
PUEBLO, CO (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.74%
BRUNSWICK, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.80%
First National Bank Of Omaha's top markets include Omaha, Kansas City, Fort Collins, Chicago, and Iowa City among others.

Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against First National Bank of Omaha based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,084 $1,544,510,000 $500,814 $3,229 6.59%
    HELOC 2,455 $230,135,000 $93,741 n/a 7.38%
    FHA 346 $81,860,000 $236,590 $7,502 6.52%
    VA 98 $35,240,000 $359,592 $9,259 6.49%
    USDA 29 $4,215,000 $145,345 $4,650 6.41%

    For 2023, First National Bank Of Omaha's most frequently originated type of loan was Conventional, with 3,084 originations. Their 2nd most popular type was HELOC, with 2,455 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,176 $1,524,090,000 $479,877 $4,175 6.49%
    Home Improvement 1,113 $123,785,000 $111,217 $528 7.52%
    Refi 811 $163,055,000 $201,054 $2,604 7.24%
    Other 760 $50,840,000 $66,895 $600 7.42%
    Cash Out Refi 152 $34,190,000 $224,934 $4,273 6.82%

    For 2023, First National Bank Of Omaha's most frequently cited loan purpose was Home Purchase, with 3,176 originations. The 2nd most popular reason was Home Improvement, with 1,113 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,226 $1,183,140,000 $226,395 $4,502 7.00%
    10 Year 277 $9,475,000 $34,206 $316 3.97%
    15 Year 190 $28,010,000 $147,421 $1,746 7.24%
    5 Year 151 $396,155,000 $2,623,543 $264 7.10%
    Other 111 $269,165,000 $2,424,910 $507 8.13%
    1 Year 33 $6,035,000 $182,879 $0 8.64%
    20 Year 19 $3,835,000 $201,842 $3,606 6.90%
    3 Year 5 $145,000 $29,000 $219 8.03%

    For 2023, First National Bank Of Omaha's most frequently cited loan duration was 30 Year, with 5,226 originations. The 2nd most popular length was 10 Year, with 277 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,725 $630,255,000 $365,365
    $<1k 880 $129,490,000 $147,148
    $2k-3k 360 $102,300,000 $284,167
    $3k-4k 124 $40,230,000 $324,435
    $5k+ 114 $56,740,000 $497,719
    $4k-5k 66 $22,640,000 $343,030

    First National Bank Of Omaha's average total fees were $4,502, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,725 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 2,909 $612,875,000 $210,682
    6-7% 1,971 $586,915,000 $297,775
    5-6% 456 $288,250,000 $632,127
    Over 8% 382 $392,430,000 $1,027,304
    <2.5% 245 $7,485,000 $30,551
    3-4% 21 $1,815,000 $86,429
    2.5-3% 18 $1,230,000 $68,333
    4-5% 10 $4,960,000 $496,000

    During 2023, First National Bank Of Omaha's average interest rate for loans was 7.00%, while their most frequently originated rate bucket for loans was 7-8%, with 2,909 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,191 $108,425,000 $49,487 $932 6.93%
    $200k-400k 1,579 $434,265,000 $275,025 $4,464 6.90%
    $100k-200k 1,452 $209,330,000 $144,167 $3,541 7.07%
    $400k-600k 404 $193,700,000 $479,455 $5,120 6.74%
    $600k-1MM 288 $216,880,000 $753,056 $5,363 6.35%
    $1MM+ 98 $733,360,000 $7,483,265 $6,498 6.48%

    2023 saw First National Bank Of Omaha place emphasis on $100,000 or less loans with 2,191 originations, totaling $108,425,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,372 $243,050,000 $177,150 $3,923 7.19%
    $150k-250k 1,153 $294,315,000 $255,260 $3,992 7.20%
    $75k-100k 979 $151,025,000 $154,265 $4,160 7.03%
    $50k-75k 967 $128,385,000 $132,766 $3,786 6.91%
    $250k+ 653 $355,835,000 $544,923 $5,055 6.83%
    $50k or less 421 $39,455,000 $93,717 $3,326 7.01%

    First National Bank Of Omaha lent most frequently to those with incomes in the $100k-150k range, with 1,372 originations. The second most popular income band? $150k-250k, with 1,153 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,117 $236,555,000 $211,777 $3,782 7.11%
    20-30% 1,065 $212,905,000 $199,911 $3,663 7.10%
    45% 391 $51,995,000 $132,980 $3,842 7.24%
    <20% 361 $73,805,000 $204,446 $3,295 7.05%
    44% 348 $81,750,000 $234,914 $3,741 7.08%
    43% 321 $71,795,000 $223,660 $4,091 7.06%
    42% 307 $71,165,000 $231,808 $4,413 7.15%
    41% 284 $68,540,000 $241,338 $3,988 6.82%
    40% 273 $72,575,000 $265,842 $4,058 6.99%
    39% 227 $53,235,000 $234,515 $3,726 7.20%
    36% 219 $47,885,000 $218,653 $4,352 7.14%
    37% 218 $50,000,000 $229,358 $4,102 7.02%
    38% 188 $45,510,000 $242,074 $3,930 6.97%
    49% 111 $29,795,000 $268,423 $5,102 6.81%
    47% 85 $21,175,000 $249,118 $4,709 6.73%
    48% 80 $22,470,000 $280,875 $5,557 6.67%
    46% 66 $17,030,000 $258,030 $6,049 6.75%
    50-60% 32 $9,030,000 $282,188 $7,136 6.83%
    >60% 14 $5,090,000 $363,571 $15,531 6.64%

    First National Bank Of Omaha lent most frequently to those with DTI ratios of 30-36%, with 1,117 originations. The next most common DTI ratio? 20-30%, with 1,065 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,874 $962,100,000 $197,394 $3,729 6.95%
    Not applicable 161 $654,355,000 $4,064,317 $0 7.34%
    Not provided 716 $213,490,000 $298,170 $4,391 6.64%
    Asian 115 $33,655,000 $292,652 $4,789 6.52%
    Black 94 $20,510,000 $218,191 $4,450 6.65%
    American Indian 35 $6,005,000 $171,571 $3,383 6.04%
    Asian Indian 10 $5,040,000 $504,000 $5,492 7.30%
    Native Hawaiian or Islander 3 $275,000 $91,667 $2,284 7.71%
    Filipino 1 $205,000 $205,000 $0 7.74%
    Chinese 1 $155,000 $155,000 $0 7.15%
    Other Pacific Islander 1 $95,000 $95,000 $3,153 6.75%
    Other Asian 1 $75,000 $75,000 $0 7.75%

    Approval Rates

    Total approvals of all applications
    84.84%

    First National Bank Of Omaha has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    74.30%

    First National Bank Of Omaha has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,012 $1,895,960,000 $315,363

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,012 $1,895,960,000 $315,363

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,067 $127,795,000 $119,770 $2,290 7.31%
    40-60% 497 $484,355,000 $974,557 $3,497 6.94%
    60-80% 879 $500,915,000 $569,869 $3,920 6.86%
    80-100% 1,874 $660,130,000 $352,257 $4,628 6.69%
    Over 100% 28 $12,950,000 $462,500 $17,262 6.56%
    Under 20% 1,506 $108,410,000 $71,985 $505 7.54%