Safe Rate Rankings

Best Conventional Mortgage Lenders in Lincoln

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders44

Total Loans3,800

Median Rate Spread0.20%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	WEST GATE BANKBank	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$704Fees	0.136%Below	310
2	Union Bank and Trust CompanyBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,070Fees	0.080%Below	356
3	Lincoln FSB of NebraskaBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,173Fees	0.032%Below	547
4	CORNHUSKER BANKBank	Exceptional	Exceptional	Sound	Strong	Exceptional	$500Fees	0.094%Above	144
5	Pinnacle BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,097Fees	0.113%Below	231
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$761Fees	0.183%Above	144
7	First National Bank of OmahaBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,248Fees	0.140%Above	85
8	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$693Fees	0.826%Below	22
9	Exchange BankBank	Exceptional	Exceptional	Strong	Strong	Sound	$696Fees	0.179%Below	11
10	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,381Fees	0.223%Above	299
11	First BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,871Fees	0.117%Above	94
12	CHARTER WEST BANKBank	Strong	Sound	Strong	Strong	Exceptional	$1,526Fees	0.236%Above	184
13	Frontier BankBank	Strong	Strong	Sound	Strong	Strong	$375Fees	0.245%Above	41
14	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,478Fees	0.107%Above	38
15	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,463Fees	0.312%Above	13
16	NBKC BANKBank	Strong	Exceptional	Strong	Sound	Acceptable	$476Fees	0.061%Below	10
17	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,108Fees	0.335%Above	189
18	Security First BankBank	Strong	Strong	Sound	Sound	Strong	$924Fees	0.040%Below	67
19	DELMAR FINANCIAL COMPANYIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,863Fees	0.254%Above	45
20	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,596Fees	0.228%Above	20
21	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,082Fees	0.130%Above	19
22	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,181Fees	0.221%Above	16
23	Access BankBank	Strong	Strong	Sound	Strong	Sound	$1,914Fees	0.390%Above	10
24	LIBERTY FIRST CREDIT UNIONCredit Union	Strong	Sound	Sound	Sound	Exceptional	$1,839Fees	0.028%Below	168
25	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,482Fees	0.474%Above	153
26	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,132Fees	0.168%Above	118
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,737Fees	0.291%Above	56
28	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,049Fees	0.146%Above	53
29	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,406Fees	0.178%Below	29
30	Financial Funding Solutions, Inc.Independent Mortgage Company	Strong	Strong	Sound	Sound	Sound	$1,140Fees	0.076%Above	24
31	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,935Fees	0.399%Above	29
32	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,127Fees	0.826%Above	29
33	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,895Fees	0.533%Above	26
34	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,962Fees	0.399%Above	24
35	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,846Fees	0.384%Above	15
36	Home Federal Savings and Loan Association of Grand IslandBank	Strong	Sound	Sound	Strong	Sound	$909Fees	0.007%Above	13
37	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,083Fees	0.416%Above	21
38	REGENT FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,032Fees	0.352%Above	17
39	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,195Fees	0.079%Below	17
40	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$1,902Fees	0.298%Above	10
41	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,886Fees	0.514%Above	12
42	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$6,137Fees	0.486%Above	10

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.