First National Bank of Omaha in Missouri vs the state
15.7%Denial rate+0.60 pts vs state
18.6%Decision denial rate-0.11 pts vs state
67.4%Origination rate+4.74 pts vs state
6.88%Median rate+0.25 pts vs state
0.04Rate spread (pts)-0.31 pts vs state
$110kMedian applicant income
215Loans originated
50Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 324 | 207 | 13.6% | 6.88% | #109 |
| 2024 | 297 | 182 | 22.6% | 7.13% | #125 |
| 2025 | 319 | 215 | 15.7% | 6.88% | #127 |
What First National Bank of Omaha lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First National Bank of Omaha applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 210 | 141 | 38 | 18.1% |
| Cass County | 40 | 25 | 4 | 10.0% |
| Clay County | 22 | 15 | 3 | 13.6% |
| Platte County | 15 | 9 | 2 | 13.3% |
| Camden County | 6 | 4 | 1 | 16.7% |
| Buchanan County | 5 | 4 | 1 | 20.0% |
| St. Louis County | 4 | 2 | 1 | 25.0% |
| Greene County | 3 | 3 | 0 | 0.0% |
| Bates County | 2 | 2 | 0 | 0.0% |
| Henry County | 2 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 319 applications in 2025, of which 215 were originated and 50 denied.
15.7% of all applications, or 18.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First National Bank of Omaha originated in Missouri in 2025 was 6.88%, 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology