# Best Conventional Mortgage Lenders in Grand Island, NE

**As of:** 2026-05-25

Compare the top Conventional mortgage lenders in Grand Island, NE. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/grand-island-ne/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 14
- **Total Loans:** 504
- **Median Rate Spread:** 0.26953846153846156%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | WEST GATE BANK | 95 | 83 | 85 | 34 | Bank |
| 2 | First National Bank of Omaha | 89 | 67 | 65 | 40 | Bank |
| 3 | Pinnacle Bank | 85 | 78 | 79 | 47 | Bank |
| 4 | Exchange Bank | 85 | 87 | 79 | 19 | Bank |
| 5 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 51 | Independent Mortgage Company |
| 6 | CHARTER WEST BANK | 79 | 52 | 66 | 66 | Bank |
| 7 | Union Bank and Trust Company | 79 | 89 | 75 | 16 | Bank |
| 8 | Home Federal Savings and Loan Association of Grand Island | 73 | 55 | 75 | 35 | Bank |
| 9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 41 | Independent Mortgage Company |
| 10 | Gateway First Bank | 71 | 27 | 75 | 33 | Bank |
| 11 | Wells Fargo Bank, National Association | 66 | 61 | 57 | 11 | Bank |
| 12 | MORIA DEVELOPMENT, INC. | 60 | 18 | 72 | 73 | Independent Mortgage Company |
| 13 | CHURCHILL MORTGAGE CORPORATION | 56 | 19 | 62 | 15 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Grand Island, NE.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.