First National Bank of Omaha in Michigan vs the state
16.7%Denial rate-1.85 pts vs state
50.0%Decision denial rate+27.42 pts vs state
16.7%Origination rate-43.22 pts vs state
7.88%Median rate+1.13 pts vs state
—Rate spread (pts)
$142kMedian applicant income
1Loans originated
1Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 2 | 0.0% | 6.88% | #589 |
| 2025 | 6 | 1 | 16.7% | 7.88% | #571 |
What First National Bank of Omaha lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most First National Bank of Omaha applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Eaton County | 2 | 0 | 0 | 0.0% |
| Roscommon County | 1 | 1 | 0 | 0.0% |
| Gogebic County | 1 | 0 | 0 | 0.0% |
| Oakland County | 1 | 0 | 0 | 0.0% |
| Lenawee County | 1 | 0 | 1 | 100.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 6 applications in 2025, of which 1 were originated and 1 denied.
16.7% of all applications, or 50.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans First National Bank of Omaha originated in Michigan in 2025 was 7.88%, against a statewide median of 6.75%.
About this data. Figures are First National Bank of Omaha's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology