First National Bank of Omaha in Nebraska vs the state
19.6%Denial rate+7.04 pts vs state
23.5%Decision denial rate+8.38 pts vs state
61.1%Origination rate-6.18 pts vs state
7.00%Median rate+0.38 pts vs state
0.42Rate spread (pts)+0.19 pts vs state
$98kMedian applicant income
1,773Loans originated
568Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,480 | 3,090 | 14.3% | 7.13% | #1 |
| 2024 | 3,811 | 2,548 | 14.6% | 7.13% | #1 |
| 2025 | 2,902 | 1,773 | 19.6% | 7.00% | #3 |
What First National Bank of Omaha lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most First National Bank of Omaha applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 1,415 | 839 | 297 | 21.0% |
| Sarpy County | 429 | 261 | 86 | 20.0% |
| Lancaster County | 118 | 69 | 21 | 17.8% |
| Dodge County | 114 | 75 | 21 | 18.4% |
| Hall County | 77 | 48 | 18 | 23.4% |
| Buffalo County | 75 | 53 | 11 | 14.7% |
| Scotts Bluff County | 74 | 40 | 13 | 17.6% |
| Box Butte County | 69 | 52 | 7 | 10.1% |
| Lincoln County | 64 | 43 | 9 | 14.1% |
| Platte County | 59 | 37 | 13 | 22.0% |
Other large lenders in Nebraska
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,384 | 17.6% | 6.75% |
| Pinnacle Bank | B | 3,371 | 4.3% | 6.95% |
| Charter West Bank | C | 2,258 | 6.6% | 6.50% |
| U.S. Bank | D | 2,163 | 32.9% | 6.99% |
| Veridian Credit Union | B | 2,051 | 9.8% | 6.49% |
| West Gate Bank | A | 2,040 | 5.0% | 6.50% |
| Centris | B | 2,002 | 16.3% | 6.25% |
| Union Bank and Trust | B | 1,835 | 10.0% | 6.50% |
| Mortgage Research Center | C | 1,651 | 12.5% | 6.25% |
| United Shore Financial Services | B | 1,558 | 8.2% | 6.37% |
Frequently asked questions
Nebraska: 2,902 applications in 2025, of which 1,773 were originated and 568 denied.
19.6% of all applications, or 23.5% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans First National Bank of Omaha originated in Nebraska in 2025 was 7.00%, 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 Nebraska, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology