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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 Conventional Mortgage Bank Lenders in Lincoln
Updated February 5, 2026
Market Overview
20
Total Lenders
3,800
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $704 | -0.136% | 310 | |
2 | Union Bank and Trust Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,070 | -0.080% | 356 | |
3 | Lincoln FSB of Nebraska | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,173 | -0.032% | 547 | |
4 | CORNHUSKER BANK | Exceptional | Exceptional | Sound | Strong | Exceptional | $500 | +0.094% | 144 | |
5 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,097 | -0.113% | 231 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $761 | +0.183% | 144 | |
7 | First National Bank of Omaha | Exceptional | Strong | Exceptional | Strong | Strong | $1,248 | +0.140% | 85 | |
8 | Exchange Bank | Exceptional | Exceptional | Strong | Strong | Sound | $696 | -0.179% | 11 | |
9 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,871 | +0.117% | 94 | |
10 | CHARTER WEST BANK | Strong | Sound | Strong | Strong | Exceptional | $1,526 | +0.236% | 184 | |
11 | Frontier Bank | Strong | Strong | Sound | Strong | Strong | $375 | +0.245% | 41 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,478 | +0.107% | 38 | |
13 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,463 | +0.312% | 13 | |
14 | NBKC BANK | Strong | Exceptional | Strong | Sound | Acceptable | $476 | -0.061% | 10 | |
15 | Security First Bank | Strong | Strong | Sound | Sound | Strong | $924 | -0.040% | 67 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,596 | +0.228% | 20 | |
17 | Access Bank | Strong | Strong | Sound | Strong | Sound | $1,914 | +0.390% | 10 | |
18 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,935 | +0.399% | 29 | |
19 | Home Federal Savings and Loan Association of Grand Island | Strong | Sound | Sound | Strong | Sound | $909 | +0.007% | 13 | |
20 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,195 | -0.079% | 17 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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