OMAHA - COUNCIL BLUFFS Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Omaha - Council Bluffs averaged
6.88%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.58% and
one month ago for the week of 2025-05-29, the
average rate was 6.7%.
Omaha - Council Bluffs's average rate one year ago was 7.07%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.8%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within OMAHA-COUNCIL BLUFFS, NE-IA.
OMAHA - COUNCIL BLUFFS Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the OMAHA-COUNCIL BLUFFS, NE-IA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
OMAHA - COUNCIL BLUFFS Average Closing Costs & Other Stats
OMAHA-COUNCIL BLUFFS, NE-IA's 230 lenders originated 22,799
loans during 2024. The total origination value was $5,750,325,000, with an average loan value of
$252,218.
OMAHA - COUNCIL BLUFFS's average closing costs are $3,965.
The top OMAHA - COUNCIL BLUFFS lender as defined by loan originations is First National Bank of Omaha, with
659 loans originated. Their average total fees are
$3,352, which is $92
lower than the next largest lender,
CHARTER WEST BANK.
The lowest fee OMAHA - COUNCIL BLUFFS lenders (with over 10 loans originated) are
VERIDIAN CREDIT UNION ($1,991), Cobalt Credit Union ($2,005), Bankers' Bank ($2,292), CORNHUSKER BANK ($2,380) and Mortgage Research Center, LLC ($2,428).
The lowest rate OMAHA - COUNCIL BLUFFS lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.72%), South Metro Federal Credit Union (6.13%), Bank of America (6.17%), VERIDIAN CREDIT UNION (6.24%) and GREENSTATE CREDIT UNION (6.36%).
OMAHA-COUNCIL BLUFFS, NE-IA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| First National Bank of Omaha | $425,375,000 | $459,840,000 | 8.1% | 8.0% |
| Pinnacle Bank | $225,000 | $280,995,000 | 124,786.7% | 4.9% |
| VERIDIAN CREDIT UNION | $158,620,000 | $232,970,000 | 46.9% | 4.1% |
| CHARTER WEST BANK | $177,905,000 | $214,775,000 | 20.7% | 3.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $152,160,000 | $199,365,000 | 31.0% | 3.5% |
| QUICKEN LOANS, LLC | $158,275,000 | $190,410,000 | 20.3% | 3.3% |
| Mortgage Research Center, LLC | $145,085,000 | $166,240,000 | 14.6% | 2.9% |
| West Gate Bank | $96,120,000 | $148,105,000 | 54.1% | 2.6% |
| CENTRIS FEDERAL CREDIT UNION | $126,830,000 | $136,645,000 | 7.7% | 2.4% |
| Access Bank | $108,590,000 | $119,225,000 | 9.8% | 2.1% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $4,485,000 | $108,365,000 | 2,316.2% | 1.9% |
| U.S. Bank | $99,095,000 | $103,240,000 | 4.2% | 1.8% |
| Core Bank | $119,980,000 | $102,690,000 | -14.4% | 1.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $86,585,000 | $102,265,000 | 18.1% | 1.8% |
| CMG MORTGAGE, INC. | $143,955,000 | $94,865,000 | -34.1% | 1.6% |
| GUILD MORTGAGE COMPANY | $89,845,000 | $92,515,000 | 3.0% | 1.6% |
| GUARANTEED RATE, INC. | $91,225,000 | $88,030,000 | -3.5% | 1.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $82,880,000 | $85,705,000 | 3.4% | 1.5% |
| DHI MORTGAGE COMPANY, LTD. | $43,750,000 | $83,145,000 | 90.0% | 1.4% |
| CHURCHILL MORTGAGE CORPORATION | $26,870,000 | $82,155,000 | 205.7% | 1.4% |
| Arbor Bank | $73,545,000 | $80,775,000 | 9.8% | 1.4% |
| PENNYMAC LOAN SERVICES, LLC | $46,645,000 | $79,140,000 | 69.7% | 1.4% |
| American National Bank | $124,105,000 | $78,035,000 | -37.1% | 1.4% |
| COLLIERS MORTGAGE LLC | $75,210,000 | n/a | 1.3% | |
| Dundee Bank | $74,030,000 | n/a | 1.3% | |
| Union Bank and Trust Company | $79,500,000 | $72,990,000 | -8.2% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $7,060,000 | $72,100,000 | 921.2% | 1.3% |
| Regent Financial Group, Inc. | $79,345,000 | $60,160,000 | -24.2% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $41,535,000 | $59,715,000 | 43.8% | 1.0% |
| Cobalt Credit Union | $80,075,000 | $50,435,000 | -37.0% | 0.9% |
| METRO CU | $20,670,000 | $49,390,000 | 138.9% | 0.9% |
| First Bank | $27,645,000 | $47,730,000 | 72.7% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $16,865,000 | $47,560,000 | 182.0% | 0.8% |
| Prosperity Home Mortgage, LLC | $62,560,000 | $45,730,000 | -26.9% | 0.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $27,100,000 | $45,635,000 | 68.4% | 0.8% |
| Frontier Bank | $42,265,000 | $45,290,000 | 7.2% | 0.8% |
| Northwest Bank | $38,755,000 | $43,325,000 | 11.8% | 0.8% |
| Merchants Bank of Indiana | $49,435,000 | $42,490,000 | -14.0% | 0.7% |
| Bankers Trust Company | $45,460,000 | $42,225,000 | -7.1% | 0.7% |
| FLAT BRANCH MORTGAGE, INC. | $17,150,000 | $41,415,000 | 141.5% | 0.7% |
| Plains Commerce Bank | $33,255,000 | $40,810,000 | 22.7% | 0.7% |
| Wells Fargo Bank | $98,795,000 | $40,700,000 | -58.8% | 0.7% |
| BERKELEY POINT CAPITAL LLC | $36,705,000 | n/a | 0.6% | |
| NEWREZ LLC | $25,430,000 | $36,425,000 | 43.2% | 0.6% |
| MORIA DEVELOPMENT, INC. | $48,660,000 | $34,840,000 | -28.4% | 0.6% |
| Premier Bank | $19,170,000 | $32,205,000 | 68.0% | 0.6% |
| American Mortgage & Equity Consultants, Inc. | $17,405,000 | $27,915,000 | 60.4% | 0.5% |
| First State Bank | $31,765,000 | $27,330,000 | -14.0% | 0.5% |
| Flagstar Bank, FSB | $25,710,000 | $27,060,000 | 5.3% | 0.5% |
| Lincoln FSB of Nebraska | $20,820,000 | $26,575,000 | 27.6% | 0.5% |
| BMO Harris Bank | $24,085,000 | $24,615,000 | 2.2% | 0.4% |
| FIRST WESTROADS BANK, INC. | $25,115,000 | $23,775,000 | -5.3% | 0.4% |
| IOWA BANKERS MORTGAGE CORPORATION | $21,190,000 | $23,755,000 | 12.1% | 0.4% |
| GERSHMAN INVESTMENT CORP. | $31,015,000 | $23,475,000 | -24.3% | 0.4% |
| Gateway First Bank | $20,955,000 | $22,585,000 | 7.8% | 0.4% |
| UNION HOME MORTGAGE CORP. | $1,050,000 | $21,415,000 | 1,939.5% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $19,040,000 | $20,065,000 | 5.4% | 0.3% |
| PNC Bank | $2,725,000 | $19,410,000 | 612.3% | 0.3% |
| Availa Bank | $9,255,000 | $19,245,000 | 107.9% | 0.3% |
| JPMorgan Chase Bank | $22,525,000 | $18,425,000 | -18.2% | 0.3% |
| WALKER & DUNLOP, LLC | $18,335,000 | n/a | 0.3% | |
| USAA Federal Savings Bank | $18,595,000 | $18,005,000 | -3.2% | 0.3% |
| LOANDEPOT.COM, LLC | $14,920,000 | $17,770,000 | 19.1% | 0.3% |
| NBKC BANK | $12,415,000 | $17,410,000 | 40.2% | 0.3% |
| COMMUNITY STATE BANK | $16,595,000 | n/a | 0.3% | |
| Equitable Bank | $23,185,000 | $16,140,000 | -30.4% | 0.3% |
| Five Points Bank | $22,990,000 | $15,815,000 | -31.2% | 0.3% |
| FOUR POINTS | $5,175,000 | $15,765,000 | 204.6% | 0.3% |
| CASTLE & COOKE MORTGAGE, LLC | $14,460,000 | $15,605,000 | 7.9% | 0.3% |
| Bank of America | $12,845,000 | $15,215,000 | 18.5% | 0.3% |
| Merchants Capital Corp. | $14,635,000 | n/a | 0.3% | |
| Security National Bank of Omaha | $19,715,000 | $14,345,000 | -27.2% | 0.2% |
| Citizens Bank | $33,115,000 | $13,995,000 | -57.7% | 0.2% |
| Glenwood State Bank | $13,800,000 | $13,990,000 | 1.4% | 0.2% |
| CORNHUSKER BANK | $12,675,000 | $13,700,000 | 8.1% | 0.2% |
| Washington County Bank | $21,710,000 | $13,640,000 | -37.2% | 0.2% |
| BROKER SOLUTIONS, INC. | $9,315,000 | $13,620,000 | 46.2% | 0.2% |
| PLANET HOME LENDING, LLC | $1,170,000 | $11,830,000 | 911.1% | 0.2% |
| First Interstate Bank | $11,765,000 | $10,625,000 | -9.7% | 0.2% |
| FirstBank of Nebraska | $7,970,000 | $10,495,000 | 31.7% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $7,595,000 | $10,240,000 | 34.8% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $3,445,000 | $10,045,000 | 191.6% | 0.2% |
| First State Bank Nebraska | $7,915,000 | $9,960,000 | 25.8% | 0.2% |
| Discover Bank | $9,505,000 | $9,720,000 | 2.3% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $295,000 | $9,710,000 | 3,191.5% | 0.2% |
| Central National Bank | $9,475,000 | $9,705,000 | 2.4% | 0.2% |
| Bank of Bennington | $13,515,000 | $9,540,000 | -29.4% | 0.2% |
| Farm Credit Mid-America, ACA | $12,565,000 | $9,290,000 | -26.1% | 0.2% |
| Morgan Stanley Private Bank | $10,365,000 | $9,240,000 | -10.9% | 0.2% |
| Foundation One Bank | $10,790,000 | $9,135,000 | -15.3% | 0.2% |
| Flanagan State Bank | $7,890,000 | $8,865,000 | 12.4% | 0.2% |
| CBRE MULTIFAMILY CAPITAL, INC. | $16,750,000 | $8,435,000 | -49.6% | 0.1% |
| The Federal Savings Bank | $7,635,000 | $8,385,000 | 9.8% | 0.1% |
| Carrington Mortgage Services, LLC | $3,460,000 | $7,920,000 | 128.9% | 0.1% |
| Servion, Inc. | $2,395,000 | $7,840,000 | 227.3% | 0.1% |
| LIBERTY FIRST | $6,170,000 | $7,270,000 | 17.8% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $9,235,000 | $7,220,000 | -21.8% | 0.1% |
| First Nebraska Bank | $6,190,000 | $7,185,000 | 16.1% | 0.1% |
| NEW DAY FINANCIAL, LLC | $6,015,000 | $7,140,000 | 18.7% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $2,255,000 | $7,070,000 | 213.5% | 0.1% |
| V.I.P. MORTGAGE, INC. | $640,000 | $7,020,000 | 996.9% | 0.1% |
| CARDINAL FINANCIAL | $7,645,000 | $6,980,000 | -8.7% | 0.1% |
| Exchange Bank | $9,610,000 | $6,930,000 | -27.9% | 0.1% |
| DELMAR FINANCIAL COMPANY | $3,790,000 | $6,770,000 | 78.6% | 0.1% |
| Nebraska Bank of Commerce | $6,120,000 | $6,680,000 | 9.2% | 0.1% |
| Cedar Rapids Bank and Trust Company | $33,920,000 | $6,675,000 | -80.3% | 0.1% |
| BankFirst | $3,505,000 | $6,560,000 | 87.2% | 0.1% |
| FIRST NEBRASKA Credit Union | $7,880,000 | $6,420,000 | -18.5% | 0.1% |
| Figure Lending LLC | $4,030,000 | $6,395,000 | 58.7% | 0.1% |
| BETTER MORTGAGE CORPORATION | $5,200,000 | $6,155,000 | 18.4% | 0.1% |
| GREENSTATE CREDIT UNION | $5,865,000 | $5,840,000 | -0.4% | 0.1% |
| First Federal Bank | $1,885,000 | $5,785,000 | 206.9% | 0.1% |
| EVERETT FINANCIAL, INC. | $1,825,000 | $5,420,000 | 197.0% | 0.1% |
| Wahoo State Bank | $6,700,000 | $5,345,000 | -20.2% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,515,000 | $5,135,000 | -6.9% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $2,635,000 | $5,115,000 | 94.1% | 0.1% |
| UMB Bank | $3,260,000 | $4,840,000 | 48.5% | 0.1% |
| PREMIA MORTGAGE, LLC | $4,125,000 | $4,805,000 | 16.5% | 0.1% |
| TOWNE MORTGAGE COMPANY | $890,000 | $4,700,000 | 428.1% | 0.1% |
| Coastal Community Bank | $3,110,000 | $4,625,000 | 48.7% | 0.1% |
| PHH Mortgage Corporation | $1,410,000 | $4,610,000 | 227.0% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $4,595,000 | $4,580,000 | -0.3% | 0.1% |
| Farmers and Merchants Bank of Ashland | $2,460,000 | $4,570,000 | 85.8% | 0.1% |
| Ally Bank | $2,045,000 | $4,315,000 | 111.0% | 0.1% |
| 21ST MORTGAGE CORPORATION | $3,150,000 | $4,300,000 | 36.5% | 0.1% |
| Midstates Bank | $10,255,000 | $4,275,000 | -58.3% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $8,130,000 | $4,260,000 | -47.6% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $1,860,000 | $4,130,000 | 122.0% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,880,000 | $3,950,000 | 110.1% | 0.1% |
| Security First Bank | $8,540,000 | $3,885,000 | -54.5% | 0.1% |
| TruHome Solutions, LLC | $4,120,000 | $3,855,000 | -6.4% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $2,160,000 | $3,740,000 | 73.1% | 0.1% |
| Financial Funding Solutions, Inc. | $1,685,000 | $3,600,000 | 113.6% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $2,900,000 | $3,580,000 | 23.4% | 0.1% |
| First Savings Bank | $1,800,000 | $3,405,000 | 89.2% | 0.1% |
| Legacy Bank & Trust Company | $3,275,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $3,135,000 | $3,215,000 | 2.6% | 0.1% |
| The Loan Store, Inc. | $3,210,000 | n/a | 0.1% | |
| City State Bank | $3,165,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $11,910,000 | $3,120,000 | -73.8% | 0.1% |
| AMERICAN FINANCING CORPORATION | $1,015,000 | $2,995,000 | 195.1% | 0.1% |
| CLEARPATH LENDING | $1,270,000 | $2,975,000 | 134.3% | 0.1% |
| Equity Prime Mortgage LLC | $2,920,000 | n/a | 0.1% | |
| Truist | $1,310,000 | $2,875,000 | 119.5% | 0.0% |
| UBS Bank USA | $385,000 | $2,810,000 | 629.9% | 0.0% |
| Charles Schwab Bank, SSB | $2,795,000 | n/a | 0.0% | |
| KELLOGG MIDWEST FEDERAL CREDIT UNION | $2,955,000 | $2,750,000 | -6.9% | 0.0% |
| OMAHA POLICE FEDERAL CREDIT UNION | $2,305,000 | $2,720,000 | 18.0% | 0.0% |
| Arvest Bank | $1,045,000 | $2,700,000 | 158.4% | 0.0% |
| Bankers' Bank | $3,425,000 | $2,635,000 | -23.1% | 0.0% |
| Northpointe Bank | $1,015,000 | $2,615,000 | 157.6% | 0.0% |
| Midwest Bank | $1,645,000 | $2,565,000 | 55.9% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $3,065,000 | $2,545,000 | -17.0% | 0.0% |
| OMAHA FEDERAL CREDIT UNION | $1,440,000 | $2,430,000 | 68.8% | 0.0% |
| The Huntington National Bank | $4,400,000 | $2,260,000 | -48.6% | 0.0% |
| United Bank of Iowa | $1,285,000 | $2,230,000 | 73.5% | 0.0% |
| NexBank | $2,215,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $510,000 | $2,210,000 | 333.3% | 0.0% |
| Armed Forces Bank | $1,040,000 | $2,050,000 | 97.1% | 0.0% |
| Great Southern Bank | $1,165,000 | $1,990,000 | 70.8% | 0.0% |
| LENDINGONE, LLC | $200,000 | $1,975,000 | 887.5% | 0.0% |
| Old National Bank | $35,000 | $1,920,000 | 5,385.7% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $665,000 | $1,915,000 | 188.0% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,905,000 | n/a | 0.0% | |
| South Metro Federal Credit Union | $2,700,000 | $1,905,000 | -29.4% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $500,000 | $1,890,000 | 278.0% | 0.0% |
| BELEM SERVICING LLC | $625,000 | $1,870,000 | 199.2% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,325,000 | $1,860,000 | 40.4% | 0.0% |
| ALLIANT CREDIT UNION | $1,805,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $1,055,000 | $1,785,000 | 69.2% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $245,000 | $1,780,000 | 626.5% | 0.0% |
| MUTUAL FIRST | $2,845,000 | $1,745,000 | -38.7% | 0.0% |
| Bank Iowa | $2,005,000 | $1,730,000 | -13.7% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $990,000 | $1,695,000 | 71.2% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,430,000 | $1,695,000 | 18.5% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $970,000 | $1,620,000 | 67.0% | 0.0% |
| F&M Bank | $2,680,000 | $1,610,000 | -39.9% | 0.0% |
| Deere Employees Credit Union | $1,990,000 | $1,595,000 | -19.8% | 0.0% |
| Raymond James Bank | $920,000 | $1,575,000 | 71.2% | 0.0% |
| COMMUNITYAMERICA | $915,000 | $1,545,000 | 68.9% | 0.0% |
| First National Bank of America | $1,575,000 | $1,510,000 | -4.1% | 0.0% |
| Cornerstone Bank | $2,880,000 | $1,455,000 | -49.5% | 0.0% |
| State Bank of Table Rock | $1,535,000 | $1,455,000 | -5.2% | 0.0% |
| Dacotah Bank | $305,000 | $1,385,000 | 354.1% | 0.0% |
| First Western Trust Bank | $115,000 | $1,345,000 | 1,069.6% | 0.0% |
| Community Bank | $1,840,000 | $1,330,000 | -27.7% | 0.0% |
| Devon Bank | $1,300,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $325,000 | $1,285,000 | 295.4% | 0.0% |
| CITY BANK & TRUST CO. | $6,265,000 | $1,270,000 | -79.7% | 0.0% |
| Fifth Third Bank | $465,000 | $1,260,000 | 171.0% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $555,000 | $1,250,000 | 125.2% | 0.0% |
| Renasant Bank | $1,290,000 | $1,240,000 | -3.9% | 0.0% |
| Emprise Bank | $13,690,000 | $1,230,000 | -91.0% | 0.0% |
| Oakstar Bank | $1,625,000 | $1,225,000 | -24.6% | 0.0% |
| Granite Community Bank | $1,220,000 | n/a | 0.0% | |
| Magnolia Bank | $535,000 | $1,210,000 | 126.2% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,205,000 | n/a | 0.0% | |
| Farmers Trust and Savings Bank | $1,140,000 | $1,200,000 | 5.3% | 0.0% |
| AmeriHome Mortgage Company, LLC | $810,000 | $1,195,000 | 47.5% | 0.0% |
| Farmers Bank & Trust | $1,350,000 | $1,185,000 | -12.2% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $2,800,000 | $1,160,000 | -58.6% | 0.0% |
| NEXERA HOLDING LLC | $1,780,000 | $1,155,000 | -35.1% | 0.0% |
| Home Federal Savings & Loan Association of Grand Island | $1,295,000 | $1,140,000 | -12.0% | 0.0% |
| Stifel Bank and Trust | $1,130,000 | n/a | 0.0% | |
| Central Bank | $1,970,000 | $1,120,000 | -43.1% | 0.0% |
| City National Bank | $1,045,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $1,045,000 | n/a | 0.0% | |
| CENTENNIAL LENDING, LLC | $835,000 | $1,040,000 | 24.6% | 0.0% |
| FCB Banks | $840,000 | $1,030,000 | 22.6% | 0.0% |
| FIRST TECHNOLOGY | $1,005,000 | n/a | 0.0% | |
| Quontic Bank | $1,005,000 | n/a | 0.0% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $600,000 | $1,000,000 | 66.7% | 0.0% |
| Baxter Credit Union | $460,000 | $980,000 | 113.0% | 0.0% |
| M&T Bank | $1,230,000 | $980,000 | -20.3% | 0.0% |
| Peoples Bank | $370,000 | $955,000 | 158.1% | 0.0% |
| Heritage Bank | $275,000 | $915,000 | 232.7% | 0.0% |
| Academy Bank | $365,000 | $900,000 | 146.6% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $290,000 | $865,000 | 198.3% | 0.0% |
| BAY EQUITY LLC | $4,090,000 | $820,000 | -80.0% | 0.0% |
| Merchants Bank | $135,000 | $820,000 | 507.4% | 0.0% |
| American Airlines Federal Credit Union | $270,000 | $810,000 | 200.0% | 0.0% |
| OCMBC, INC. | $810,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $675,000 | $790,000 | 17.0% | 0.0% |
| INTERCAP LENDING INC. | $780,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $555,000 | $770,000 | 38.7% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $765,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $715,000 | $760,000 | 6.3% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $755,000 | n/a | 0.0% | |
| Peoples Bank | $370,000 | $750,000 | 102.7% | 0.0% |
| Grand Bank for Savings, FSB | $710,000 | $745,000 | 4.9% | 0.0% |
| Citibank | $1,130,000 | $740,000 | -34.5% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $725,000 | n/a | 0.0% | |
| Axos Bank | $665,000 | $710,000 | 6.8% | 0.0% |
| First Dakota National Bank | $305,000 | $700,000 | 129.5% | 0.0% |
| General Mortgage Capital Corporation | $740,000 | $685,000 | -7.4% | 0.0% |
| American State Bank | $675,000 | n/a | 0.0% | |
| First International Bank & Trust | $675,000 | n/a | 0.0% | |
| First United Bank and Trust Company | $670,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $555,000 | $665,000 | 19.8% | 0.0% |
| Cornerstone First Mortgage, Inc | $480,000 | $650,000 | 35.4% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $1,720,000 | $645,000 | -62.5% | 0.0% |
| FIRST WESTERN MORTGAGE, INC. | $515,000 | $645,000 | 25.2% | 0.0% |
| RESIDENTIAL BANCORP | $235,000 | $645,000 | 174.5% | 0.0% |
| DIGITAL Federal Credit Union | $4,570,000 | $635,000 | -86.1% | 0.0% |
| Midwest Heritage Bank FSB | $1,650,000 | $635,000 | -61.5% | 0.0% |
| AMWEST FUNDING CORP. | $630,000 | n/a | 0.0% | |
| The Central Trust Bank | $1,495,000 | $630,000 | -57.9% | 0.0% |
| The Nodaway Valley Bank | $615,000 | n/a | 0.0% | |
| SPIRE Credit Union | $605,000 | n/a | 0.0% | |
| Bell Bank | $1,840,000 | $595,000 | -67.7% | 0.0% |
| JONES BANK | $1,135,000 | $590,000 | -48.0% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $550,000 | $585,000 | 6.4% | 0.0% |
| The Security National Bank of Sioux City, Iowa | $925,000 | $585,000 | -36.8% | 0.0% |
| CHEVRON | $45,000 | $565,000 | 1,155.6% | 0.0% |
| Stride Bank | $415,000 | $560,000 | 34.9% | 0.0% |
| Think Mutual Bank | $240,000 | $555,000 | 131.3% | 0.0% |
| First National Bank | $285,000 | $550,000 | 93.0% | 0.0% |
| Lincoln Savings Bank | $540,000 | n/a | 0.0% | |
| NBH Bank | $1,145,000 | $535,000 | -53.3% | 0.0% |
| Service Federal Credit Union | $35,000 | $535,000 | 1,428.6% | 0.0% |
| TJC Mortgage, Inc. | $535,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $670,000 | $530,000 | -20.9% | 0.0% |
| PROPER RATE, LLC | $525,000 | n/a | 0.0% | |
| ARCHER COOPERATIVE CREDIT UNION | $515,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $550,000 | $505,000 | -8.2% | 0.0% |
| BOKF | $500,000 | n/a | 0.0% | |
| Choice Financial Group | $325,000 | $485,000 | 49.2% | 0.0% |
| LENDSURE MORTGAGE CORP. | $710,000 | $485,000 | -31.7% | 0.0% |
| Bethpage Federal Credit Union | $485,000 | $480,000 | -1.0% | 0.0% |
| Texana Bank | $480,000 | n/a | 0.0% | |
| First National Bank of Central Texas | $475,000 | n/a | 0.0% | |
| SWBC MORTGAGE CORPORATION | $475,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $2,085,000 | $470,000 | -77.5% | 0.0% |
| Community First National Bank | $740,000 | $470,000 | -36.5% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $105,000 | $470,000 | 347.6% | 0.0% |
| US MORTGAGE CORPORATION | $455,000 | n/a | 0.0% | |
| BANKWEST, INC. | $120,000 | $445,000 | 270.8% | 0.0% |
| CORTRUST MORTGAGE, INC. | $255,000 | $445,000 | 74.5% | 0.0% |
| EMBRACE HOME LOANS, INC. | $1,370,000 | $440,000 | -67.9% | 0.0% |
| Primebank | $315,000 | $440,000 | 39.7% | 0.0% |
| MY MORTGAGE, INC. | $430,000 | n/a | 0.0% | |
| Nicolet National Bank | $430,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $50,000 | $420,000 | 740.0% | 0.0% |
| FRONTIER FINANCIAL, INC. | $420,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $405,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $400,000 | n/a | 0.0% | |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $400,000 | n/a | 0.0% | |
| Community Choice Credit Union | $35,000 | $390,000 | 1,014.3% | 0.0% |
| Connexus Credit Union | $205,000 | $390,000 | 90.2% | 0.0% |
| Busey Bank | $385,000 | n/a | 0.0% | |
| Ixonia Bank | $825,000 | $385,000 | -53.3% | 0.0% |
| Chambers Bank | $380,000 | n/a | 0.0% | |
| MID AMERICAN | $375,000 | n/a | 0.0% | |
| RCB Bank | $375,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $305,000 | $370,000 | 21.3% | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | $475,000 | $365,000 | -23.2% | 0.0% |
| OPEN MORTGAGE, LLC | $365,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $350,000 | n/a | 0.0% | |
| Peoples Bank | $370,000 | $345,000 | -6.8% | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | $335,000 | n/a | 0.0% | |
| Sunflower Bank | $265,000 | $335,000 | 26.4% | 0.0% |
| Allied First Bank,sb | $330,000 | n/a | 0.0% | |
| Fidelity Bank | $320,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $1,300,000 | $315,000 | -75.8% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $315,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $645,000 | $315,000 | -51.2% | 0.0% |
| Adams Bank & Trust | $230,000 | $305,000 | 32.6% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $275,000 | $300,000 | 9.1% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $595,000 | $300,000 | -49.6% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $295,000 | n/a | 0.0% | |
| Cornerstone National Bank & Trust Company | $295,000 | n/a | 0.0% | |
| First Savings Bank | $1,800,000 | $295,000 | -83.6% | 0.0% |
| SIOUXLAND FEDERAL CREDIT UNION | $85,000 | $295,000 | 247.1% | 0.0% |
| A&D Mortgage LLC | $2,015,000 | $290,000 | -85.6% | 0.0% |
| Goldwater Bank, N.A. | $290,000 | n/a | 0.0% | |
| First Bank & Trust | $1,030,000 | $285,000 | -72.3% | 0.0% |
| HOMESERVICES LENDING, LLC | $990,000 | $285,000 | -71.2% | 0.0% |
| Lakeview Community Capital, LLC | $85,000 | $285,000 | 235.3% | 0.0% |
| TOGETHER CREDIT UNION | $285,000 | n/a | 0.0% | |
| Community State Bank | $275,000 | n/a | 0.0% | |
| Gate City Bank | $225,000 | $275,000 | 22.2% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $275,000 | n/a | 0.0% | |
| Members Mortgage Services, L.L.C. | $295,000 | $270,000 | -8.5% | 0.0% |
| American Bank and Trust Company | $255,000 | n/a | 0.0% | |
| Assurance Financial Group, L.L.C. | $255,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $315,000 | $255,000 | -19.0% | 0.0% |
| Mortgage Investment Services Corporation | $255,000 | n/a | 0.0% | |
| ILLINOIS STATE CREDIT UNION | $245,000 | n/a | 0.0% | |
| Centra Credit Union | $235,000 | n/a | 0.0% | |
| COMPASS MORTGAGE, INC. | $235,000 | n/a | 0.0% | |
| Franklin Loan Corporation | $135,000 | $225,000 | 66.7% | 0.0% |
| S1L, Inc. | $225,000 | n/a | 0.0% | |
| Royal Credit Union | $215,000 | n/a | 0.0% | |
| United Nations Federal Credit Union | $215,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $290,000 | $210,000 | -27.6% | 0.0% |
| American Bank & Trust | $205,000 | n/a | 0.0% | |
| Mabrey Bank | $205,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $205,000 | n/a | 0.0% | |
| Quad City Bank and Trust Company | $205,000 | n/a | 0.0% | |
| MASSMUTUAL | $185,000 | n/a | 0.0% | |
| KINECTA | $225,000 | $175,000 | -22.2% | 0.0% |
| North American Savings Bank, F.S.B. | $845,000 | $175,000 | -79.3% | 0.0% |
| Bank Midwest | $165,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $360,000 | $165,000 | -54.2% | 0.0% |
| ServisFirst Bank | $165,000 | n/a | 0.0% | |
| COMMUNITY 1ST CREDIT UNION | $460,000 | $160,000 | -65.2% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $155,000 | n/a | 0.0% | |
| Bank of England | $1,120,000 | $145,000 | -87.1% | 0.0% |
| MidFirst Bank | $145,000 | n/a | 0.0% | |
| INOVA FEDERAL CREDIT UNION | $125,000 | n/a | 0.0% | |
| NFM, INC. | $760,000 | $125,000 | -83.6% | 0.0% |
| Secured Investment Corp. | $125,000 | n/a | 0.0% | |
| STOCKTON MORTGAGE CORPORATION | $125,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $120,000 | $120,000 | 0.0% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $120,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $120,000 | n/a | 0.0% | |
| BancorpSouth | $375,000 | $115,000 | -69.3% | 0.0% |
| SILVER HILL FUNDING, LLC | $1,245,000 | $115,000 | -90.8% | 0.0% |
| Farmers and Merchants Bank | $105,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $210,000 | $105,000 | -50.0% | 0.0% |
| Telco Triad Community Credit Union | $160,000 | $105,000 | -34.4% | 0.0% |
| United States Senate Federal Credit Union | $105,000 | n/a | 0.0% | |
| CBI Bank & Trust | $295,000 | $85,000 | -71.2% | 0.0% |
| SouthStar Bank, S.S.B. | $85,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $600,000 | $75,000 | -87.5% | 0.0% |
| GREATER IOWA CREDIT UNION | $75,000 | n/a | 0.0% | |
| MEMBERS1st Community Credit Union | $75,000 | n/a | 0.0% | |
| Regions Bank | $295,000 | $75,000 | -74.6% | 0.0% |
| WINGS FINANCIAL | $365,000 | $75,000 | -79.5% | 0.0% |
| Southwest Airlines Federal Credit Union | $70,000 | n/a | 0.0% | |
| Chartwell Financial, LLC | $70,000 | $60,000 | -14.3% | 0.0% |
| Houghton State Bank | $35,000 | $55,000 | 57.1% | 0.0% |
| University of Nebraska Federal Credit Union | $255,000 | $55,000 | -78.4% | 0.0% |
| Centier Bank | $45,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| LPS Employees Federal Credit Union | $275,000 | $40,000 | -85.5% | 0.0% |
| Elements Financial Federal Credit Union | $35,000 | n/a | 0.0% | |
| MARINE | $115,000 | $25,000 | -78.3% | 0.0% |
| UNITED | $25,000 | n/a | 0.0% |
OMAHA - COUNCIL BLUFFS's top lender by overall market share is First National Bank of Omaha, with 8.0% market share. In second place, with 4.9%, is Pinnacle Bank, having originated $280,995,000 in loans. In third place, with 4.1%, is VERIDIAN CREDIT UNION, having originated $232,970,000 in loans. In fourth place, with 3.7%, is CHARTER WEST BANK, having originated $214,775,000 in loans. In fifth place, with 3.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $199,365,000 in loans.
OMAHA-COUNCIL BLUFFS, NE-IA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 13,299 | $4,143,605,000 | $311,573 |
| Refi | 2,603 | $680,565,000 | $261,454 |
| Other | 2,458 | $275,710,000 | $112,168 |
| Cash Out Refi | 2,226 | $480,060,000 | $215,660 |
| Home Improvement | 2,211 | $170,015,000 | $76,895 |
| NA | 2 | $370,000 | $185,000 |
Omaha - Council Bluffs's most frequently cited loan purpose was Home Purchase, with 13,299 originations. The 2nd most popular reason was Refi, with 2,603 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 9,417 | $2,589,445,000 | $274,976 |
| 7-8% | 4,256 | $1,092,370,000 | $256,666 |
| Over 8% | 3,556 | $488,660,000 | $137,418 |
| 5-6% | 2,988 | $1,047,670,000 | $350,626 |
| <2.5% | 768 | $14,120,000 | $18,385 |
| 4-5% | 211 | $113,075,000 | $535,900 |
| 3-4% | 52 | $16,930,000 | $325,577 |
| 2.5-3% | 43 | $9,745,000 | $226,628 |
During 2024, Omaha - Council Bluffs's most frequently originated rate bucket was 6-7%, with 9,417 originations.
Loan Sizing (OMAHA-COUNCIL BLUFFS, NE-IA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 8,605 | $2,432,715,000 | $282,709 |
| $100,000 or less | 6,344 | $313,970,000 | $49,491 |
| $100k-200k | 5,202 | $777,640,000 | $149,489 |
| $400k-600k | 1,942 | $916,650,000 | $472,013 |
| $600k-1000k | 539 | $382,525,000 | $709,694 |
| $Over $1MM | 167 | $926,825,000 | $5,549,850 |
OMAHA - COUNCIL BLUFFS's loan sizing saw the bucket of loans from $200k-400k with 8,605 originations, totaling $2,432,715,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 8,220 | $2,474,750,000 | $301,064 |
| 60-80% | 4,090 | $1,638,290,000 | $400,560 |
| Under 20% | 3,863 | $178,995,000 | $46,336 |
| 20-40% | 2,730 | $332,310,000 | $121,725 |
| 40-60% | 1,653 | $473,575,000 | $286,494 |
| Over 100% | 393 | $191,365,000 | $486,934 |
OMAHA - COUNCIL BLUFFS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 8,220 originations, totaling $2,474,750,000 in origination value.