# Best Mortgage Lenders in Lincoln, NE

**As of:** 2026-05-22

Compare the top mortgage lenders in Lincoln, NE. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/lincoln-ne/best-mortgage-lenders


> **📋 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:** 44
- **Total Loans:** 3,800
- **Median Rate Spread:** 0.20168181818181818%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Lincoln FSB of Nebraska | 100 | 83 | 83 | 547 | Bank |
| 2 | WEST GATE BANK | 100 | 83 | 80 | 310 | Bank |
| 3 | Union Bank and Trust Company | 93 | 88 | 77 | 356 | Bank |
| 4 | Pinnacle Bank | 93 | 80 | 78 | 231 | Bank |
| 5 | CORNHUSKER BANK | 93 | 81 | 76 | 144 | Bank |
| 6 | U.S. Bank National Association | 80 | 75 | 71 | 144 | Bank |
| 7 | First Bank | 80 | 62 | 71 | 94 | Bank |
| 8 | First National Bank of Omaha | 80 | 67 | 65 | 85 | Bank |
| 9 | Security First Bank | 80 | 75 | 62 | 67 | Bank |
| 10 | GERSHMAN INVESTMENT CORP. | 78 | 55 | 79 | 299 | Independent Mortgage Company |
| 11 | CHARTER WEST BANK | 78 | 57 | 72 | 184 | Bank |
| 12 | LIBERTY FIRST CREDIT UNION | 78 | 55 | 63 | 168 | Credit Union |
| 13 | DELMAR FINANCIAL COMPANY | 73 | 45 | 72 | 45 | Independent Mortgage Company |
| 14 | Frontier Bank | 73 | 60 | 67 | 41 | Bank |
| 15 | UNITED WHOLESALE MORTGAGE, LLC | 71 | 41 | 93 | 53 | Independent Mortgage Company |
| 16 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 22 | Credit Union |
| 17 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 189 | Independent Mortgage Company |
| 18 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 153 | Independent Mortgage Company |
| 19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 56 | Independent Mortgage Company |
| 20 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 38 | Bank |
| 21 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 29 | Independent Mortgage Company |
| 22 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 29 | Independent Mortgage Company |
| 23 | Financial Funding Solutions, Inc. | 66 | 75 | 45 | 24 | Independent Mortgage Company |
| 24 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 20 | Bank |
| 25 | Prosperity Home Mortgage, LLC | 63 | 37 | 77 | 118 | Independent Mortgage Company |
| 26 | Mortgage Research Center, LLC | 63 | 34 | 70 | 70 | Independent Mortgage Company |
| 27 | GUILD MORTGAGE COMPANY LLC | 62 | 25 | 83 | 24 | Independent Mortgage Company |
| 28 | Plains Commerce Bank | 58 | 37 | 67 | 29 | Bank |
| 29 | Paramount Residential Mortgage Group, Inc. | 58 | 27 | 72 | 26 | Independent Mortgage Company |
| 30 | NEWREZ LLC | 52 | 35 | 59 | 21 | 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 Lincoln, 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.