Purchase Originations
1,080
Ranked #354 nationally
Median Total Costs
$3,566
−46.6% vs national ($6,680)
↑ $90 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,280
Median Lender Credits
$262
Cost Rank (500+ vol.)
#75
among lenders with 500+ originations
Denial Rate
7.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 905 | 6.625% | $3,374 | $1,280 |
| fha | 128 | 6.125% | $6,797 | $875 |
| va | 34 | 6.125% | $5,666 | $1,280 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Nebraska | 554 | 6.500% | $3,317 | #8 |
| Illinois | 176 | 6.750% | $4,528 | #106 |
| Iowa | 83 | 6.625% | $3,770 | #65 |
| Kansas | 83 | 6.625% | $3,309 | #76 |
| Missouri | 75 | 6.625% | $3,086 | #120 |
| Colorado | 47 | 6.625% | $4,149 | — |
| South Dakota | 27 | 6.875% | $3,352 | — |
| Wyoming | 7 | 6.875% | $3,760 | — |
| Wisconsin | 5 | 6.375% | $4,004 | — |
| Texas | 4 | 6.375% | $9,059 | — |
| Indiana | 3 | 6.375% | $2,422 | — |
| New Jersey | 3 | 6.750% | $3,484 | — |
| Minnesota | 2 | 6.688% | $2,616 | — |
| Pennsylvania | 2 | 6.625% | $5,412 | — |
| South Carolina | 2 | 6.062% | $7,799 | — |
| Arizona | 1 | 6.875% | $5,892 | — |
| Kentucky | 1 | 6.875% | $3,194 | — |
| North Carolina | 1 | 6.875% | $3,165 | — |
| North Dakota | 1 | 6.500% | $4,723 | — |
| Oklahoma | 1 | 6.125% | $8,818 | — |
| Utah | 1 | 7.125% | $15,560 | — |
| Washington | 1 | 6.000% | $3,772 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,864 | 6.500% | — | 37 | −$702 | |
| 2 | $3,024 | 6.500% | — | 225 | −$542 | |
| 3 | $3,063 | 6.500% | — | 23 | −$503 | |
| 4 | $3,167 | 6.250% | — | 18 | −$399 | |
| 5 | $3,233 | 6.625% | — | 87 | −$333 | |
| 6 | $3,263 | 6.500% | — | 13 | −$303 | |
| 7 | $3,277 | 6.750% | — | 41 | −$289 | |
| 8 | $3,326 | 6.312% | — | 22 | −$240 | |
| 9 | $3,460 | 6.625% | — | 17 | −$106 | |
| 10 | $3,735 | 6.500% | — | 22 | +$169 | |
| 11 | $3,760 | 6.500% | — | 67 | +$194 | |
| 12 | $3,796 | 6.625% | — | 27 | +$230 | |
| 13 | $3,830 | 6.500% | — | 20 | +$264 | |
| 14 | $3,873 | 6.875% | — | 10 | +$307 | |
| 15 | $3,926 | 6.500% | — | 22 | +$360 | |
| 16 | $4,346 | 6.500% | — | 28 | +$780 | |
| 17 | $4,430 | 6.750% | — | 65 | +$864 | |
| 18 | $4,666 | 6.750% | — | 13 | +$1,100 | |
| 19 | $5,727 | 6.625% | — | 14 | +$2,161 | |
| 20 | $6,041 | 6.875% | — | 10 | +$2,475 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First National Bank of Omaha | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,566 | $7,127 | −$3,561 (−50.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.