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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 VA 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 | Lincoln FSB of Nebraska | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,173 | -0.032% | 547 | |
2 | Pinnacle Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,097 | -0.113% | 231 | |
3 | Union Bank and Trust Company | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,070 | -0.080% | 356 | |
4 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,381 | +0.223% | 299 | |
5 | WEST GATE BANK | Exceptional | Strong | Strong | Strong | Exceptional | $704 | -0.136% | 310 | |
6 | CHARTER WEST BANK | Exceptional | Strong | Strong | Strong | Exceptional | $1,526 | +0.236% | 184 | |
7 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,132 | +0.168% | 118 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,049 | +0.146% | 53 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $693 | -0.826% | 22 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,482 | +0.474% | 153 | |
11 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,871 | +0.117% | 94 | |
12 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,127 | +0.826% | 29 | |
13 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,406 | -0.178% | 29 | |
14 | LIBERTY FIRST CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $1,839 | -0.028% | 168 | |
15 | Security First Bank | Strong | Strong | — | Strong | Strong | $924 | -0.040% | 67 | |
16 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,195 | -0.079% | 17 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,108 | +0.335% | 189 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,737 | +0.291% | 56 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $337 | +0.488% | 70 |
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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