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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Lincoln
Updated February 5, 2026
Market Overview
44
Total Lenders
3,800
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Lincoln FSB of Nebraska | Exceptional | Exceptional | Exceptional | Exceptional | $1,173 | -0.032% | 547 | |
2 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Exceptional | $704 | -0.136% | 310 | |
3 | Union Bank and Trust Company | Exceptional | Exceptional | Strong | Exceptional | $1,070 | -0.080% | 356 | |
4 | Pinnacle Bank | Exceptional | Exceptional | Strong | Exceptional | $1,097 | -0.113% | 231 | |
5 | CORNHUSKER BANK | Exceptional | Exceptional | Strong | Exceptional | $500 | +0.094% | 144 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $761 | +0.183% | 144 | |
7 | First Bank | Strong | Strong | Strong | Strong | $1,871 | +0.117% | 94 | |
8 | First National Bank of Omaha | Strong | Strong | Strong | Strong | $1,248 | +0.140% | 85 | |
9 | Security First Bank | Strong | Strong | Strong | Strong | $924 | -0.040% | 67 | |
10 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $693 | -0.826% | 22 | |
11 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Exceptional | $1,381 | +0.223% | 299 | |
12 | CHARTER WEST BANK | Strong | Sound | Strong | Exceptional | $1,526 | +0.236% | 184 | |
13 | LIBERTY FIRST CREDIT UNION | Strong | Sound | Strong | Exceptional | $1,839 | -0.028% | 168 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $2,049 | +0.146% | 53 | |
15 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $1,863 | +0.254% | 45 | |
16 | Frontier Bank | Strong | Sound | Strong | Strong | $375 | +0.245% | 41 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,478 | +0.107% | 38 | |
18 | Financial Funding Solutions, Inc. | Strong | Strong | Sound | Sound | $1,140 | +0.076% | 24 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,108 | +0.335% | 189 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,482 | +0.474% | 153 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,737 | +0.291% | 56 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,127 | +0.826% | 29 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,406 | -0.178% | 29 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,596 | +0.228% | 20 | |
25 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,132 | +0.168% | 118 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $337 | +0.488% | 70 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $1,962 | +0.399% | 24 | |
28 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $1,935 | +0.399% | 29 | |
29 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,895 | +0.533% | 26 | |
30 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $1,083 | +0.416% | 21 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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