First National Bank of Omaha in Iowa vs the state
16.8%Denial rate+3.97 pts vs state
20.9%Decision denial rate+5.59 pts vs state
63.0%Origination rate-5.42 pts vs state
7.00%Median rate+0.50 pts vs state
0.53Rate spread (pts)+0.34 pts vs state
$100kMedian applicant income
191Loans originated
51Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 353 | 239 | 13.0% | 7.25% | #53 |
| 2024 | 305 | 208 | 11.5% | 7.00% | #65 |
| 2025 | 303 | 191 | 16.8% | 7.00% | #74 |
What First National Bank of Omaha lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most First National Bank of Omaha applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pottawattamie County | 217 | 149 | 36 | 16.6% |
| Mills County | 36 | 19 | 8 | 22.2% |
| Harrison County | 11 | 6 | 2 | 18.2% |
| Polk County | 10 | 4 | 0 | 0.0% |
| Fremont County | 6 | 2 | 2 | 33.3% |
| Shelby County | 4 | 2 | 1 | 25.0% |
| Woodbury County | 2 | 1 | 0 | 0.0% |
| Audubon County | 2 | 2 | 0 | 0.0% |
| Dickinson County | 2 | 1 | 0 | 0.0% |
| Johnson County | 2 | 0 | 0 | 0.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 303 applications in 2025, of which 191 were originated and 51 denied.
16.8% of all applications, or 20.9% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans First National Bank of Omaha originated in Iowa in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are First National Bank of Omaha's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology