We analyzed every closed loan from First National Bank of Omaha — 2.1k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
First National Bank of Omaha performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+22.5 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,737 loans · 0.23% above market
Exceptional
Top 20% of lenders
5/5
FHA
239 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
VA
78 loans · 0.34% below market
Strong
Top 40% of lenders
4/5
Jumbo
27 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
USDA
16 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,916 loans · 0.22% above market
Exceptional
Top 20% of lenders
5/5
Refinance
181 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 14 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,737 | 82.8% | +0.227%Above | $1,321Fees | ||||
FHA Loans | 239 | 11.4% | +0.401%Above | $1,232Fees | ||||
VA Loans | 78 | 3.7% | -0.337%Below | $912Fees | ||||
Jumbo Loans | 27 | 1.3% | +0.261%Above | $1,560Fees | ||||
USDA Loans | — | 16 | 0.8% | +0.351%Above | $1,838Fees |
Conventional
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,737
Mix82.8%
Spread
+0.227%Above
Fees
$1,321Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume239
Mix11.4%
Spread
+0.401%Above
Fees
$1,232Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume78
Mix3.7%
Spread
-0.337%Below
Fees
$912Fees
Jumbo Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughAcceptable
Volume27
Mix1.3%
Spread
+0.261%Above
Fees
$1,560Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume16
Mix0.8%
Spread
+0.351%Above
Fees
$1,838Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,916 | 91.4% | +0.220%Above | $1,284Fees | ||||
Refinance | 181 | 8.6% | +0.274%Above | $1,522Fees |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,916
Mix91.4%
Spread
+0.220%Above
Fees
$1,284Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume181
Mix8.6%
Spread
+0.274%Above
Fees
$1,522Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,097
Applications
3,143
Volume
$600 million
Pricing & Closing
Avg Rate Spread
+0.225%
vs. market APOR
Avg Net Fees
$1,306
Origination − Credits
Pullthrough Rate
66.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$286,392
Avg Borrower Income
$133,090
Avg Property Value
$367,624
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
31
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
31Full-year 2024 · HMDALoans originated
< 2020–100100+None
Northeast3
NJNYPA
Midwest10
IAILINKSMIMNMONESDWI
South9
FLGAKYMDNCOKSCTNTX
West9
AKAZCACOIDMTORWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 13 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.