Omaha
Metropolitan Statistical Area · MSA Code 36540
According to CFPB HMDA 2024 application volume among tracked metros, Omaha ranks #75 of 418.
Mortgage lending activity in the Omaha metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Omaha Metropolitan Statistical Area (MSA code 36540) financed its book at an average note rate of 6.89%. 20 major lenders are tracked for this metro - First National Bank of Omaha, Veridian Credit Union, Centris Federal Credit Union lead by origination volume. Among the 418 metros tracked, Omaha sits in the 93rd percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 117 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Omaha denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 12.3% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $238,855 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Omaha
In Omaha, lead originator First National Bank of Omaha funded only 8.1% of 22,866 originated loans, below the fleet's lower tercile (~8.7% top-1 share). The top three reporters together hold 19.4% of the book, so shopping across channels still meets many active filers.
Metros With a Similar Denial Rate
The metro areas closest to Omaha's 12.3% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Omaha's 39,751 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Omaha's $238,855 average loan (deduped against denial and volume peers).
Lenders active in the Omaha metro
First National Bank of Omaha funded 1,846 of the 22,866 loans originated here, 8.1% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | First National Bank of Omaha | 1,846 | 2,748 | $222,664 | 8.1% |
| 2 | Veridian Credit Union | 1,426 | 2,183 | $150,007 | 6.2% |
| 3 | Centris Federal Credit Union | 1,155 | 1,851 | $108,863 | 5.1% |
| 4 | Rocket Mortgage | 928 | 1,239 | $208,228 | 4.1% |
| 5 | Charter West Bank | 807 | 1,123 | $268,295 | 3.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Omaha metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Omaha borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.