First National Bank of Omaha review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

First National Bank of Omaha is a sound pick for borrowers inside its lending area who want one bank for home and personal lending, with a maximum loan to value of 100% and a fixed period of 15 to 30. Borrowing is limited to consumer accounts, so business lending is out.

Key facts

Best for
Anyone in its lending area wanting mortgages, home equity, personal loans, credit lines and car loans from one bank.
Fixed period
15 to 30 years (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
First National Bank of Omaha (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1857 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre, Community (Source, checked September 26, 2026)
Official website
fnbo.com

Loans

APR
15.24% to 21.24% (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Consumer accounts only; CO, IA, IL, KS, MO, NE, SD, TX and WY residents within the lending area; borrowing amount based on income and credit score (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Debt-consolidation, Secured, Car (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
First National Bank of Omaha (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1857 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre, Community (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaXLinkedIn

Pros and cons

Pros

  • A direct lender, so you deal with the bank itself
  • Maximum loan to value of 100%
  • Fixed period of 15 to 30
  • Covers personal, credit line and debt consolidation

Cons

  • Personal loan rate of 15.24% to 21.24% sits above the site median of 12%
  • Credit checks are hard, so a full search lands on file
  • Rate type is variable, so payments can move
First National Bank of Omaha

Ready to try First National Bank of Omaha?

Scored 9.6 / 10 by BorrowCue.

See alternatives

Who it suits

  • Households in its lending area buying or remortgaging
  • People who want one bank for a mortgage and a personal loan
  • Borrowers who prefer a direct lender

Who should look elsewhere

  • Credit builders, since applications run a hard credit check
  • Anyone wanting a business loan, as eligibility is consumer accounts only
  • Borrowers outside its lending area

How First National Bank of Omaha compares

Where First National Bank of Omaha is available

Available
United States
Licence in United States
NMLS (National Mortgage Licensing System) (412727), checked September 26, 2026
Licence in United States
FDIC (FDIC cert 5452), checked September 26, 2026
Licence in United States
HUD (Equal Housing Lender), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a personal loan from First National Bank of Omaha?+

Personal loans carry a rate of 15.24% to 21.24%, and the rate type is variable. That sits above the site median of 12% for personal loans. The amount you can borrow depends on your income and credit score.

Is my money safe with this bank?+

Yes. First National Bank of Omaha is a direct lender, so the money sits with the bank itself, and it holds an FDIC certificate, FDIC cert 5452. Mortgage lending runs under the NMLS, 412727.

How much can I borrow against my home?+

The maximum loan to value is 100%, and it also ranks 4 of 293 brands on that measure. Lending covers purchase, remortgage, first time buyer and home equity purposes.

How long can I fix my mortgage rate for?+

Fixed periods run 15 to 30 on fixed-rate mortgages. If you want a longer commitment, Prestalo offers 25. Sofkredit starts much shorter, at 0.5 to 20.

What kinds of loan can I get here?+

The bank covers personal, credit line and debt consolidation. Personal loans can be drawn as a credit line, and home improvement is listed as a use. Mortgages run at a rate type of variable on a fixed-rate model, fixed rate.

Who can apply?+

Eligibility is consumer accounts only, and residents of the lending area in Colorado, Iowa, Illinois, Kansas, Missouri, Nebraska, South Dakota, Texas and Wyoming. How much you can borrow depends on income and credit score.

Will applying affect my credit file?+

Credit checks are hard, a full search rather than a soft one. Most brands in the mortgage rankings also run hard checks, at 78.2%, so a search on file is normal across the market.

How can I get help with an application?+

Support runs on phone, email and help centre, so you can use the phone, email, a help centre or the community. Phone is the most common channel across mortgage brands on the site, at 90.1%.

Sources

  • banks.data.fdic.gov/bankfind-suite/bankfind/details/5452 checked September 26, 2026

    Backs: Legal entity, Licences, Headquarters

    “CERT=5452; NAME=First National Bank of Omaha; WEBADDR=www.fnbo.com; ACTIVE=1”

  • fnbo.com checked September 26, 2026

    Backs: Lender type

    “FNBO offers personal, business, commercial, and wealth solutions with branch, mobile and online banking for checking, loans, mortgages, and more.”

  • fnbo.com/about-us checked September 26, 2026

    Backs: Founded

    “We were founded in 1857 by two brothers - Herman and Augustus Kountze.”

  • fnbo.com/personal-banking/borrow checked September 26, 2026

    Backs: Loan types

    “Home Equity Loans and Lines of Credit, Personal Loans and Lines of Credit, Debt Consolidation, Auto Loans”

  • fnbo.com/personal-banking/mortgage-loans checked September 26, 2026

    Backs: Fixed period, Maximum loan to value, Purpose, Support channels

    “FNBO's Lock & Shop program locks the initial interest rate for 60 or 90 days on 15- and 30-year conventional, 30-year FHA and VA fixed-rate purchase loan products.”

  • fnbo.com/personal-banking/personal-loans checked September 26, 2026

    Backs: Features, Pricing model, Rate type, Use cases, APR, Credit check, Eligibility

    “Personal Line of Credit: Access a revolving line of credit that gives you the flexibility to borrow as needed”

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Initial rate, APRC.

First National Bank of Omaha

First National Bank of Omaha

Anyone in its lending area wanting mortgages, home equity, personal loans, credit lines and car loans from one bank.

9.6/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings