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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 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 | 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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $693 | -0.826% | 22 | |
9 | Exchange Bank | Exceptional | Exceptional | Strong | Strong | Sound | $696 | -0.179% | 11 | |
10 | GERSHMAN INVESTMENT CORP. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,381 | +0.223% | 299 | |
11 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,871 | +0.117% | 94 | |
12 | CHARTER WEST BANK | Strong | Sound | Strong | Strong | Exceptional | $1,526 | +0.236% | 184 | |
13 | Frontier Bank | Strong | Strong | Sound | Strong | Strong | $375 | +0.245% | 41 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,478 | +0.107% | 38 | |
15 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,463 | +0.312% | 13 | |
16 | NBKC BANK | Strong | Exceptional | Strong | Sound | Acceptable | $476 | -0.061% | 10 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,108 | +0.335% | 189 | |
18 | Security First Bank | Strong | Strong | Sound | Sound | Strong | $924 | -0.040% | 67 | |
19 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $1,863 | +0.254% | 45 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,596 | +0.228% | 20 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,082 | +0.130% | 19 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,181 | +0.221% | 16 | |
23 | Access Bank | Strong | Strong | Sound | Strong | Sound | $1,914 | +0.390% | 10 | |
24 | LIBERTY FIRST CREDIT UNION | Strong | Sound | Sound | Sound | Exceptional | $1,839 | -0.028% | 168 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,482 | +0.474% | 153 | |
26 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,132 | +0.168% | 118 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,737 | +0.291% | 56 | |
28 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,049 | +0.146% | 53 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,406 | -0.178% | 29 | |
30 | Financial Funding Solutions, Inc. | Strong | Strong | Sound | Sound | Sound | $1,140 | +0.076% | 24 | |
31 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,935 | +0.399% | 29 | |
32 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,127 | +0.826% | 29 | |
33 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,895 | +0.533% | 26 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,962 | +0.399% | 24 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,846 | +0.384% | 15 | |
36 | Home Federal Savings and Loan Association of Grand Island | Strong | Sound | Sound | Strong | Sound | $909 | +0.007% | 13 | |
37 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,083 | +0.416% | 21 | |
38 | REGENT FINANCIAL GROUP, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,032 | +0.352% | 17 | |
39 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,195 | -0.079% | 17 | |
40 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,902 | +0.298% | 10 | |
41 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,886 | +0.514% | 12 | |
42 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Sound | $6,137 | +0.486% | 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)
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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