# Best Conventional Mortgage Lenders in Lincoln, NE

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

Compare the top Conventional mortgage lenders in Lincoln, NE. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | WEST GATE BANK | 100 | 83 | 85 | 310 | Bank |
| 2 | Lincoln FSB of Nebraska | 89 | 79 | 81 | 547 | Bank |
| 3 | Union Bank and Trust Company | 89 | 89 | 75 | 356 | Bank |
| 4 | Pinnacle Bank | 85 | 78 | 79 | 231 | Bank |
| 5 | U.S. Bank National Association | 85 | 75 | 69 | 144 | Bank |
| 6 | First National Bank of Omaha | 85 | 67 | 65 | 85 | Bank |
| 7 | GERSHMAN INVESTMENT CORP. | 83 | 53 | 74 | 299 | Independent Mortgage Company |
| 8 | CORNHUSKER BANK | 83 | 82 | 74 | 144 | Bank |
| 9 | First Bank | 80 | 64 | 64 | 94 | Bank |
| 10 | CHARTER WEST BANK | 79 | 52 | 66 | 184 | Bank |
| 11 | Exchange Bank | 79 | 87 | 79 | 11 | Bank |
| 12 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 22 | Credit Union |
| 13 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 189 | Independent Mortgage Company |
| 14 | DELMAR FINANCIAL COMPANY | 74 | 48 | 60 | 45 | Independent Mortgage Company |
| 15 | Frontier Bank | 74 | 60 | 64 | 41 | Bank |
| 16 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 38 | Bank |
| 17 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 20 | Bank |
| 18 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 16 | Independent Mortgage Company |
| 19 | Citizens Bank, National Association | 73 | 70 | 59 | 13 | Bank |
| 20 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 153 | Independent Mortgage Company |
| 21 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 118 | Independent Mortgage Company |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 56 | Independent Mortgage Company |
| 23 | UNITED WHOLESALE MORTGAGE, LLC | 70 | 36 | 86 | 53 | Independent Mortgage Company |
| 24 | Security First Bank | 69 | 74 | 59 | 67 | Bank |
| 25 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 19 | Independent Mortgage Company |
| 26 | Access Bank | 69 | 67 | 69 | 10 | Bank |
| 27 | LIBERTY FIRST CREDIT UNION | 68 | 44 | 58 | 168 | Credit Union |
| 28 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 29 | Independent Mortgage Company |
| 29 | Plains Commerce Bank | 66 | 35 | 64 | 29 | Bank |
| 30 | Paramount Residential Mortgage Group, Inc. | 66 | 24 | 60 | 26 | Independent Mortgage Company |
| 31 | GUILD MORTGAGE COMPANY LLC | 66 | 25 | 77 | 24 | Independent Mortgage Company |
| 32 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 15 | Independent Mortgage Company |
| 33 | NBKC BANK | 66 | 90 | 49 | 10 | Bank |
| 34 | FREEDOM MORTGAGE CORPORATION | 64 | 41 | 47 | 29 | Independent Mortgage Company |
| 35 | Financial Funding Solutions, Inc. | 64 | 74 | 57 | 24 | Independent Mortgage Company |
| 36 | Home Federal Savings and Loan Association of Grand Island | 64 | 55 | 75 | 13 | Bank |
| 37 | REGENT FINANCIAL GROUP, INC. | 63 | 40 | 76 | 17 | Independent Mortgage Company |
| 38 | NEWREZ LLC | 62 | 31 | 58 | 21 | Independent Mortgage Company |
| 39 | GUARANTEED RATE, INC. | 60 | 39 | 65 | 10 | Independent Mortgage Company |
| 40 | USAA Federal Savings Bank | 58 | 53 | 27 | 17 | Bank |
| 41 | CHURCHILL MORTGAGE CORPORATION | 56 | 19 | 62 | 12 | Independent Mortgage Company |
| 42 | Farm Credit Mid-America, ACA | 49 | 6 | 52 | 10 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.