First National Bank of Omaha mortgage approval rate & lending review
First National Bank of Omaha decided 11,793 mortgage applications and funded 9,289 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First National Bank of Omaha reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First National Bank of Omaha at a glance
Approval is 3.7 points above the 77.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 4,430 / 4,904 | 99% | $245K | 4,378 |
| Home improvement loans | 72% | 2,087 / 2,884 | 96% | $55K | 2,012 |
| Cash-out refinance | 82% | 292 / 358 | 98% | $185K | 287 |
| Refinance | 76% | 1,705 / 2,236 | 97% | $105K | 1,646 |
| Investment property purchase | 81% | 459 / 570 | 97% | $175K | 445 |
| Investment refinance | 76% | 302 / 399 | 94% | $105K | 284 |
| Investment home improvement | 57% | 249 / 438 | 94% | $75K | 234 |
First National Bank of Omaha lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Nebraska | 84% | $245K | 5,389 | 4,413 |
| Colorado | 74% | $135K | 2,135 | 1,533 |
| Illinois | 79% | $105K | 1,987 | 1,524 |
| Kansas | 81% | $125K | 1,037 | 821 |
| Missouri | 80% | $225K | 630 | 501 |
| South Dakota | 90% | $285K | 207 | 182 |
| Texas | 78% | $645K | 129 | 98 |
| Wyoming | 79% | $245K | 92 | 68 |
| Florida | 83% | $435K | 30 | 25 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First National Bank of Omaha lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, NE | Mortgage lenders | 92% | 1,753 | 1,598 |
| Douglas County, NE | Home improvement loans | 73% | 887 | 623 |
| Sarpy County, NE | Mortgage lenders | 93% | 601 | 550 |
| Douglas County, NE | Refinance | 77% | 626 | 457 |
| Johnson County, KS | Mortgage lenders | 92% | 310 | 279 |
| Larimer County, CO | Refinance | 75% | 343 | 251 |
| Sarpy County, NE | Home improvement loans | 75% | 315 | 229 |
| Larimer County, CO | Home improvement loans | 72% | 319 | 223 |
| Lancaster County, NE | Mortgage lenders | 94% | 239 | 222 |
| Kane County, IL | Mortgage lenders | 87% | 254 | 218 |
| Larimer County, CO | Mortgage lenders | 84% | 240 | 195 |
| Johnson County, KS | Home improvement loans | 77% | 247 | 184 |
The county markets where First National Bank of Omaha made the most loans. Each link opens that market with every lender ranked.
Questions about First National Bank of Omaha
What is First National Bank of Omaha's mortgage approval rate?
First National Bank of Omaha approved 80.8% of the 11,793 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.7 points above the 77.1% national rate for the same mix of loan types.
How often do borrowers take the loan First National Bank of Omaha offers?
Borrowers accepted 98% of the loans First National Bank of Omaha approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First National Bank of Omaha make?
The typical home purchase mortgage loan First National Bank of Omaha made was $245K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First National Bank of Omaha lend?
First National Bank of Omaha decided applications in 38 of the states Fat Boy Data covers, most of them in Nebraska, Colorado and Illinois.
Can I apply to First National Bank of Omaha directly?
Yes. First National Bank of Omaha is a bank or credit union with 122 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First National Bank of Omaha's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First National Bank of Omaha treats applications, then get a rate quote from the lender.