First National Bank Of Omaha Mortgage Rates, Fees & Info

Omaha, NE

LEI: LDVFX8JEECFFE8HRWA73

Tax ID: 47-0259043

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, Minneapolis, Fort Collins, Denver, and Greeley among others. We have data for 138 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.

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

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.72% 4/28/24
30 Year Conventional Purchase 6.49% 4/28/24
30 Year Conventional Refi 6.50% 4/28/24
30 Year Cash-out Refi 6.67% 4/28/24
30 Year FHA Purchase 7.08% 4/28/24
30 Year FHA Refi 7.05% 4/28/24
30 Year VA Purchase 6.33% 4/28/24
30 Year VA Refi 6.27% 4/28/24
30 Year USDA Purchase 6.64% 4/28/24
30 Year USDA Refi 6.27% 4/28/24
15 Year Conventional Purchase 6.09% 4/28/24
15 Year Conventional Refi 6.25% 4/28/24
15 Year Cash-out Refi 6.25% 4/28/24
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

7,171

Origination Dollar Volume (All Markets)

$1,741,655,000
Show all (24) awards

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) 2,905 $557,105,000 $191,775 $2,870 5.01%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 5 $144,205,000 $28,841,000 $5,040 3.87%
FORT COLLINS, CO (FHA|USDA|VA) 617 $127,695,000 $206,961 $3,623 5.19%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 115 $112,525,000 $978,478 $4,014 5.13%
GREELEY, CO (FHA|USDA|VA) 325 $108,025,000 $332,385 $4,946 5.10%
KANSAS CITY, MO-KS (FHA|USDA|VA) 501 $98,095,000 $195,798 $3,076 5.23%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 636 $95,800,000 $150,629 $3,644 4.93%
LINCOLN, NE (FHA|USDA|VA) 265 $51,305,000 $193,604 $2,994 4.78%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $45,565,000 $45,565,000 $0 3.20%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $43,760,000 $21,880,000 $6,745 4.70%
BOULDER, CO (FHA|USDA|VA) 124 $40,160,000 $323,871 $4,889 4.87%
Outside of Metro Areas 282 $39,240,000 $139,149 $3,218 4.92%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 98 $39,000,000 $397,959 $5,397 4.64%
Kearney, NE (FHA|USDA|VA) 212 $37,990,000 $179,198 $3,285 4.82%
GRAND ISLAND, NE (FHA|USDA|VA) 184 $27,290,000 $148,315 $2,759 4.54%
Fremont, NE (FHA|USDA|VA) 157 $20,645,000 $131,497 $3,197 5.01%
SIOUX FALLS, SD (FHA|USDA|VA) 36 $14,240,000 $395,556 $4,789 5.89%
Laramie, WY (FHA|USDA|VA) 26 $11,890,000 $457,308 $4,302 5.27%
Columbus, NE (FHA|USDA|VA) 56 $10,330,000 $184,464 $2,854 4.83%
North Platte, NE (FHA|USDA|VA) 69 $9,085,000 $131,667 $3,475 5.18%
Scottsbluff, NE (FHA|USDA|VA) 64 $9,020,000 $140,938 $3,346 4.71%
CHEYENNE, WY (FHA|USDA|VA) 31 $7,625,000 $245,968 $3,947 4.99%
Norfolk, NE (FHA|USDA|VA) 41 $7,435,000 $181,341 $2,976 4.80%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 13 $6,505,000 $500,385 $6,657 5.29%
Beatrice, NE (FHA|USDA|VA) 45 $6,135,000 $136,333 $2,700 5.29%
Yankton, SD (FHA|USDA|VA) 39 $5,895,000 $151,154 $2,702 5.15%
ROCKFORD, IL (FHA|USDA|VA) 48 $4,840,000 $100,833 $2,872 5.14%
Ottawa, IL (FHA|USDA|VA) 39 $4,435,000 $113,718 $3,718 5.35%
Lexington, NE (FHA|USDA|VA) 21 $3,225,000 $153,571 $4,304 4.87%
Hastings, NE (FHA|USDA|VA) 23 $2,835,000 $123,261 $2,806 4.52%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $2,830,000 $471,667 $7,487 4.88%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 5 $2,115,000 $423,000 $3,330 4.15%
OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $1,910,000 $318,333 $5,310 4.79%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,900,000 $475,000 $5,078 5.50%
Mitchell, SD (FHA|USDA|VA) 13 $1,785,000 $137,308 $1,410 4.72%
Rochelle, IL (FHA|USDA|VA) 12 $1,500,000 $125,000 $3,208 5.10%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,175,000 $391,667 $11,107 4.13%
Breckenridge, CO (FHA|USDA|VA) 2 $1,160,000 $580,000 $4,505 5.38%
Vermillion, SD (FHA|USDA|VA) 2 $1,110,000 $555,000 $3,896 5.56%
WICHITA, KS (FHA|USDA|VA) 3 $1,105,000 $368,333 $4,676 4.71%
ST. GEORGE, UT (FHA|USDA|VA) 1 $995,000 $995,000 $4,451 3.50%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $980,000 $245,000 $3,193 4.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $900,000 $450,000 $5,244 4.50%
Whitewater, WI (FHA|USDA|VA) 4 $890,000 $222,500 $2,241 5.53%
BOISE CITY, ID (FHA|USDA|VA) 2 $860,000 $430,000 $5,900 6.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $850,000 $425,000 $3,664 5.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $810,000 $405,000 $11,281 6.19%
GAINESVILLE, FL (FHA|USDA|VA) 1 $745,000 $745,000 $6,709 3.75%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $710,000 $355,000 $5,388 6.38%
Durango, CO (FHA|USDA|VA) 2 $710,000 $355,000 $2,475 3.19%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $635,000 $211,667 $2,264 6.00%
Bozeman, MT (FHA|USDA|VA) 1 $605,000 $605,000 $6,373 4.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $590,000 $295,000 $4,346 6.38%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $585,000 $585,000 $0 6.88%
Salina, KS (FHA|USDA|VA) 1 $565,000 $565,000 $3,984 5.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $565,000 $565,000 $5,195 6.13%
EL PASO, TX (FHA|USDA|VA) 1 $555,000 $555,000 $4,970 3.25%
PUEBLO, CO (FHA|USDA|VA) 1 $515,000 $515,000 $4,676 3.13%
Spearfish, SD (FHA|USDA|VA) 1 $515,000 $515,000 $0 3.75%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $510,000 $255,000 $2,701 4.50%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $495,000 $495,000 $6,651 6.00%
TULSA, OK (FHA|USDA|VA) 2 $490,000 $245,000 $4,307 4.19%
WACO, TX (FHA|USDA|VA) 2 $480,000 $240,000 $3,508 3.94%
Stephenville, TX (FHA|USDA|VA) 4 $440,000 $110,000 $0 3.99%
Huron, SD (FHA|USDA|VA) 3 $435,000 $145,000 $2,630 4.71%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $430,000 $215,000 $1,987 4.13%
LAWRENCE, KS (FHA|USDA|VA) 4 $420,000 $105,000 $3,852 5.06%
Gillette, WY (FHA|USDA|VA) 1 $405,000 $405,000 $1,852 6.25%
Branson, MO (FHA|USDA|VA) 1 $405,000 $405,000 $3,560 5.13%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $400,000 $200,000 $2,426 5.56%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $395,000 $395,000 $3,151 5.88%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $385,000 $385,000 $3,811 5.25%
Glenwood Springs, CO (FHA|USDA|VA) 1 $375,000 $375,000 $3,154 4.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $345,000 $345,000 $12,029 4.25%
IOWA CITY, IA (FHA|USDA|VA) 1 $345,000 $345,000 $5,447 5.88%
Austin, MN (FHA|USDA|VA) 1 $335,000 $335,000 $5,142 4.88%
Freeport, IL (FHA|USDA|VA) 2 $330,000 $165,000 $2,720 5.25%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $330,000 $165,000 $2,376 5.56%
KNOXVILLE, TN (FHA|USDA|VA) 1 $325,000 $325,000 $4,872 5.75%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $315,000 $315,000 $5,344 5.88%
Athens, TX (FHA|USDA|VA) 1 $315,000 $315,000 $4,201 6.63%
TOLEDO, OH (FHA|USDA|VA) 1 $305,000 $305,000 $6,607 5.38%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $295,000 $295,000 $2,130 5.25%
Edwards, CO (FHA|USDA|VA) 2 $290,000 $145,000 $3,472 4.43%
APPLETON, WI (FHA|USDA|VA) 2 $290,000 $145,000 $2,851 4.44%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $285,000 $285,000 $3,098 4.13%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $285,000 $285,000 $3,173 5.38%
FARGO, ND-MN (FHA|USDA|VA) 1 $285,000 $285,000 $3,045 5.38%
Rock Springs, WY (FHA|USDA|VA) 1 $285,000 $285,000 $2,369 5.38%
COLUMBIA, MO (FHA|USDA|VA) 1 $285,000 $285,000 $2,377 3.75%
TUCSON, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $8,753 6.00%
Gainesville, TX (FHA|USDA|VA) 1 $275,000 $275,000 $9,237 5.00%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $275,000 $275,000 $5,754 5.38%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $270,000 $135,000 $2,831 5.56%
MADISON, WI (FHA|USDA|VA) 1 $265,000 $265,000 $2,067 3.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $255,000 $255,000 $1,846 5.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,654 4.13%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $255,000 $255,000 $2,810 4.75%
West Plains, MO (FHA|USDA|VA) 1 $245,000 $245,000 $3,396 5.38%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $245,000 $245,000 $1,410 6.88%
Fort Morgan, CO (FHA|USDA|VA) 2 $240,000 $120,000 $0 4.81%
Ottawa, KS (FHA|USDA|VA) 2 $240,000 $120,000 $3,595 5.12%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $215,000 $215,000 $1,928 3.25%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $215,000 $215,000 $2,006 6.63%
Marinette, WI-MI (FHA|USDA|VA) 1 $215,000 $215,000 $2,626 4.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $210,000 $105,000 $3,033 4.25%
Montrose, CO (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.74%
Brainerd, MN (FHA|USDA|VA) 1 $205,000 $205,000 $3,490 6.13%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $205,000 $205,000 $2,864 3.75%
Murray, KY (FHA|USDA|VA) 1 $205,000 $205,000 $3,142 6.50%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $195,000 $195,000 $2,835 3.25%
REDDING, CA (FHA|USDA|VA) 1 $195,000 $195,000 $2,205 4.25%
Sheridan, WY (FHA|USDA|VA) 1 $195,000 $195,000 $2,249 3.13%
Dickinson, ND (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.85%
AKRON, OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,340 5.63%
TOPEKA, KS (FHA|USDA|VA) 1 $175,000 $175,000 $2,346 7.38%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $165,000 $165,000 $2,482 4.75%
Pittsburg, KS (FHA|USDA|VA) 1 $165,000 $165,000 $2,123 6.63%
Dixon, IL (FHA|USDA|VA) 2 $160,000 $80,000 $2,799 5.06%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.25%
Spencer, IA (FHA|USDA|VA) 1 $155,000 $155,000 $5,822 8.13%
RACINE, WI (FHA|USDA|VA) 1 $145,000 $145,000 $2,599 4.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,464 3.25%
Fremont, OH (FHA|USDA|VA) 1 $125,000 $125,000 $1,942 5.25%
HAMMOND, LA (FHA|USDA|VA) 1 $115,000 $115,000 $2,888 4.75%
Quincy, IL-MO (FHA|USDA|VA) 1 $115,000 $115,000 $4,789 3.75%
Galesburg, IL (FHA|USDA|VA) 1 $105,000 $105,000 $4,585 5.50%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,136 6.38%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $105,000 $105,000 $2,475 5.25%
Steamboat Springs, CO (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.25%
McAlester, OK (FHA|USDA|VA) 1 $105,000 $105,000 $2,982 3.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,858 3.75%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,059 3.63%
OCALA, FL (FHA|USDA|VA) 1 $75,000 $75,000 $3,312 6.75%
Pontiac, IL (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.90%
MONTGOMERY, AL (FHA|USDA|VA) 1 $45,000 $45,000 $1,280 5.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $35,000 $35,000 $2,610 3.88%
PEORIA, IL (FHA|USDA|VA) 1 $15,000 $15,000 $415 4.50%
First National Bank Of Omaha's top markets include Omaha, Minneapolis, Fort Collins, Denver, and Greeley among others.

Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,111 $1,390,455,000 $338,228 $2,844 4.74%
    HELOC 2,628 $254,920,000 $97,002 n/a 5.46%
    FHA 295 $60,925,000 $206,525 $6,694 4.83%
    VA 97 $29,675,000 $305,928 $7,814 4.62%
    USDA 40 $5,680,000 $142,000 $4,181 4.48%

    For 2022, First National Bank Of Omaha's most frequently originated type of loan was Conventional, with 4,111 originations. Their 2nd most popular type was HELOC, with 2,628 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,395 $1,296,345,000 $381,839 $3,695 4.88%
    Home Improvement 1,510 $121,010,000 $80,139 $493 5.42%
    Refi 1,013 $163,675,000 $161,575 $2,231 4.79%
    Other 794 $58,760,000 $74,005 $549 5.44%
    Cash Out Refi 459 $101,865,000 $221,928 $3,703 4.30%

    For 2022, First National Bank Of Omaha's most frequently cited loan purpose was Home Purchase, with 3,395 originations. The 2nd most popular reason was Home Improvement, with 1,510 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,845 $1,135,565,000 $194,280 $3,875 5.15%
    15 Year 532 $78,360,000 $147,293 $2,193 4.49%
    10 Year 313 $22,835,000 $72,955 $433 3.51%
    5 Year 245 $215,285,000 $878,714 $272 4.96%
    Other 145 $267,895,000 $1,847,552 $900 4.79%
    20 Year 47 $8,305,000 $176,702 $2,898 4.06%
    1 Year 29 $9,165,000 $316,034 $0 5.35%
    3 Year 15 $4,245,000 $283,000 $275 4.43%

    For 2022, First National Bank Of Omaha's most frequently cited loan duration was 30 Year, with 5,845 originations. The 2nd most popular length was 15 Year, with 532 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,283 $481,835,000 $211,053
    $1k-2k 1,206 $275,030,000 $228,051
    $2k-3k 324 $86,090,000 $265,710
    $3k-4k 159 $49,265,000 $309,843
    $5k+ 99 $47,275,000 $477,525
    $4k-5k 76 $27,840,000 $366,316

    First National Bank Of Omaha's average total fees were $3,875, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,283 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,328 $520,700,000 $223,668
    5-6% 1,698 $468,640,000 $275,995
    3-4% 1,446 $395,360,000 $273,416
    6-7% 925 $178,995,000 $193,508
    7-8% 392 $41,770,000 $106,556
    <2.5% 187 $15,455,000 $82,647
    2.5-3% 138 $116,500,000 $844,203
    Over 8% 37 $4,135,000 $111,757

    During 2022, First National Bank Of Omaha's average interest rate for loans was 5.15%, while their most frequently originated rate bucket for loans was 4-5%, with 2,328 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,593 $131,855,000 $50,850 $1,074 5.12%
    $100k-200k 2,045 $295,045,000 $144,276 $3,157 5.01%
    $200k-400k 1,918 $524,550,000 $273,488 $3,903 4.95%
    $400k-600k 408 $192,500,000 $471,814 $4,622 4.76%
    $600k-1MM 156 $111,360,000 $713,846 $5,710 4.51%
    $1MM+ 51 $486,345,000 $9,536,176 $6,973 4.61%

    2022 saw First National Bank Of Omaha place emphasis on $100,000 or less loans with 2,593 originations, totaling $131,855,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,714 $310,340,000 $181,062 $3,338 5.17%
    $50k-75k 1,309 $181,735,000 $138,835 $3,250 5.04%
    $75k-100k 1,225 $193,525,000 $157,980 $3,321 5.12%
    $150k-250k 1,132 $267,610,000 $236,405 $3,435 5.09%
    $50k or less 754 $80,280,000 $106,472 $3,078 4.87%
    $250k+ 470 $187,290,000 $398,489 $4,395 5.12%

    First National Bank Of Omaha lent most frequently to those with incomes in the $100k-150k range, with 1,714 originations. The second most popular income band? $50k-75k, with 1,309 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,425 $257,465,000 $180,677 $3,037 4.96%
    30-36% 1,316 $232,680,000 $176,809 $3,081 5.11%
    <20% 490 $99,720,000 $203,510 $3,263 4.86%
    45% 423 $55,925,000 $132,210 $3,555 5.41%
    44% 418 $77,110,000 $184,474 $3,135 5.18%
    43% 326 $62,750,000 $192,485 $3,398 5.22%
    40% 298 $56,130,000 $188,356 $3,527 5.14%
    41% 292 $56,300,000 $192,808 $3,184 5.12%
    39% 283 $51,765,000 $182,915 $3,568 5.26%
    42% 282 $54,900,000 $194,681 $3,355 5.19%
    38% 269 $48,445,000 $180,093 $3,197 5.24%
    37% 264 $43,350,000 $164,205 $2,967 4.98%
    36% 243 $42,025,000 $172,942 $3,318 5.01%
    49% 140 $35,570,000 $254,071 $4,943 4.84%
    46% 107 $24,665,000 $230,514 $4,270 5.00%
    48% 104 $27,570,000 $265,096 $4,321 4.85%
    47% 101 $24,045,000 $238,069 $4,608 4.72%
    50-60% 28 $7,800,000 $278,571 $6,991 5.00%
    >60% 12 $1,760,000 $146,667 $7,692 5.37%

    First National Bank Of Omaha lent most frequently to those with DTI ratios of 20-30%, with 1,425 originations. The next most common DTI ratio? 30-36%, with 1,316 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,941 $1,024,205,000 $172,396 $3,164 5.00%
    Not applicable 160 $475,740,000 $2,973,375 $0 5.08%
    Not provided 821 $192,705,000 $234,720 $3,688 5.04%
    Asian 105 $25,475,000 $242,619 $3,375 5.03%
    Black 89 $15,875,000 $178,371 $4,002 4.84%
    American Indian 40 $5,390,000 $134,750 $3,378 4.74%
    Other Asian 4 $1,060,000 $265,000 $2,524 5.69%
    Native Hawaiian or Islander 6 $330,000 $55,000 $250 4.91%
    Asian Indian 1 $255,000 $255,000 $0 3.75%
    Guamanian 1 $195,000 $195,000 $2,709 6.13%
    Other Pacific Islander 1 $185,000 $185,000 $0 8.75%
    Korean 1 $155,000 $155,000 $0 3.50%
    Chinese 1 $85,000 $85,000 $0 6.74%

    Approval Rates

    Total approvals of all applications
    87.78%

    First National Bank Of Omaha has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.03%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,171 $1,741,655,000 $242,875

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,171 $1,741,655,000 $242,875

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,234 $177,040,000 $143,468 $1,971 5.25%
    40-60% 687 $296,515,000 $431,608 $2,934 4.71%
    60-80% 1,336 $602,330,000 $450,846 $3,601 4.81%
    80-100% 1,999 $540,795,000 $270,533 $4,001 4.99%
    Over 100% 21 $7,815,000 $372,143 $14,702 4.48%
    Under 20% 1,745 $116,115,000 $66,542 $361 5.44%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    FIRST CITIZENS BANCSHARES, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 100.0%