Safe Rate Rankings

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

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.