First National Bank of Omaha in California vs the state
12.5%Denial rate-4.92 pts vs state
33.3%Decision denial rate+10.93 pts vs state
25.0%Origination rate-31.20 pts vs state
6.94%Median rate+0.31 pts vs state
0.08Rate spread (pts)-0.20 pts vs state
$386kMedian applicant income
2Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 4 | 7.7% | 7.31% | #703 |
| 2024 | 6 | 1 | 16.7% | 7.13% | #780 |
| 2025 | 8 | 2 | 12.5% | 6.94% | #760 |
What First National Bank of Omaha lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First National Bank of Omaha applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 2 | 2 | 0 | 0.0% |
| Los Angeles County | 2 | 0 | 0 | 0.0% |
| Orange County | 2 | 0 | 0 | 0.0% |
| Tulare County | 1 | 0 | 1 | 100.0% |
| San Diego County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 8 applications in 2025, of which 2 were originated and 1 denied.
12.5% of all applications, or 33.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First National Bank of Omaha originated in California in 2025 was 6.94%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of Omaha's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology