# Best FHA Mortgage Lenders in Lincoln, NE

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

Compare the top FHA 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/fha-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 | Lincoln FSB of Nebraska | 95 | 92 | 84 | 547 | Bank |
| 2 | Pinnacle Bank | 95 | 86 | 81 | 231 | Bank |
| 3 | Union Bank and Trust Company | 89 | 80 | 76 | 356 | Bank |
| 4 | CHARTER WEST BANK | 89 | 67 | 73 | 184 | Bank |
| 5 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 118 | Independent Mortgage Company |
| 6 | GERSHMAN INVESTMENT CORP. | 83 | 60 | 76 | 299 | Independent Mortgage Company |
| 7 | LIBERTY FIRST CREDIT UNION | 83 | 82 | 56 | 168 | Credit Union |
| 8 | First Bank | 80 | 65 | 72 | 94 | Bank |
| 9 | First National Bank of Omaha | 80 | 73 | 72 | 85 | Bank |
| 10 | U.S. Bank National Association | 79 | 65 | 60 | 144 | Bank |
| 11 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 29 | Independent Mortgage Company |
| 12 | WEST GATE BANK | 77 | 83 | 55 | 310 | Bank |
| 13 | UNITED WHOLESALE MORTGAGE, LLC | 77 | 52 | 81 | 53 | Independent Mortgage Company |
| 14 | ROCKET MORTGAGE, LLC | 75 | 36 | 81 | 189 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 56 | Independent Mortgage Company |
| 16 | DELMAR FINANCIAL COMPANY | 74 | 41 | 73 | 45 | Independent Mortgage Company |
| 17 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 29 | Independent Mortgage Company |
| 18 | Plains Commerce Bank | 73 | 47 | 66 | 29 | Bank |
| 19 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 16 | Independent Mortgage Company |
| 20 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 153 | Independent Mortgage Company |
| 21 | NEWREZ LLC | 68 | 52 | 56 | 21 | Independent Mortgage Company |
| 22 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 26 | Independent Mortgage Company |
| 23 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 24 | Independent Mortgage Company |
| 24 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 19 | Independent Mortgage Company |
| 25 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 11 | 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.