Safe Rate Rankings

Best FHA Mortgage Lenders in Nebraska

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders119

Total Loans20,913

Median Rate Spread0.25%

Nebraska Market Insights

Lincoln FSB of Nebraska is Safe Rate's top-ranked FHA lender in Nebraska, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
Lincoln FSB of Nebraska and Pinnacle Bank Ne leads on both FHA pricing and pullthrough, with competitive rates and a strong track record of closing.
United Wholesale Mortgage (UWM) ranks #5 in Nebraska, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Nebraska: Rocket Mortgage (#8) and Charter West Bank (#3).

Explore Rankings by Type

Overall Rankings

All lenders in Nebraska

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Lincoln FSB of Nebraska BankDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$1,199Fees	0.021%Below	655
2	Pinnacle Bank BankDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$1,193Fees	0.005%Below	1,087
3	CHARTER WEST BANK BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,437Fees	0.313%Above	1,346
4	First National Bank of Omaha BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,248Fees	0.162%Above	1,207
5	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	Exceptional	$1,768Fees	0.218%Above	661
6	Union Bank and Trust Company BankDirect	Strong	Exceptional	Strong	Strong	Exceptional	$1,063Fees	0.071%Below	584
7	Core Bank BankDirect	Strong	Exceptional	Strong	Strong	Exceptional	$1,074Fees	0.125%Above	261
8	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,654Fees	0.497%Above	1,456
9	GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,340Fees	0.277%Above	427
10	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,776Fees	0.259%Above	263
11	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$1,680Fees	0.034%Above	203
12	WEST GATE BANK BankDirect & Wholesale	Strong	Exceptional*	Sound	Sound	Exceptional	$1,057Fees	0.034%Below	1,396
13	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$1,006Fees	0.215%Above	297
14	Access Bank BankDirect	Strong	Strong	Strong	Exceptional	Exceptional	$1,457Fees	0.124%Above	321
15	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$916Fees	0.184%Above	493
16	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,173Fees	0.634%Above	182
17	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,813Fees	0.385%Above	411
18	First Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$1,517Fees	0.129%Above	228
19	LIBERTY FIRST CREDIT UNION Credit UnionDirect	Strong	Exceptional	Strong	Sound	Exceptional	$1,770Fees	0.016%Below	222
20	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,272Fees	0.444%Above	109
21	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,892Fees	0.408%Above	104
22	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,064Fees	0.242%Above	322
23	Plains Commerce Bank BankWholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,695Fees	0.471%Above	269
24	REGENT FINANCIAL GROUP, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,221Fees	0.282%Above	260
25	Arbor Bank BankDirect	Strong	Strong	Sound	Strong	Exceptional	$874Fees	0.099%Above	195
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,154Fees	0.392%Above	412
27	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,323Fees	0.390%Above	358
28	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$1,090Fees	0.078%Above	80
29	Gateway First Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,650Fees	0.243%Above	174
30	MORIA DEVELOPMENT, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,931Fees	0.650%Above	241
31	Dayspring Bank BankDirect	Strong	Strong	—	Strong	Strong	$1,378Fees	0.096%Above	125
32	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,110Fees	0.343%Above	100
33	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$330Fees	0.389%Above	718
34	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,810Fees	0.562%Above	245
35	DELMAR FINANCIAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$1,735Fees	0.373%Above	102
36	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,374Fees	0.631%Above	70
37	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Sound	$1,993Fees	0.381%Above	69
38	DUNDEE BANK BankDirect	Strong	Sound	Sound	Strong	Strong	$2,758Fees	0.206%Above	126
39	CHURCHILL MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,973Fees	0.508%Above	325
40	Wells Fargo Bank, National Association BankDirect	Strong	Sound	Strong	Sound	Strong	$2,048Fees	0.018%Above	238
41	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$1,296Fees	0.115%Above	170
42	American National Bank BankDirect	Strong	Sound	Sound	Strong	Strong	$1,552Fees	0.270%Above	155
43	LoanUnited.com, LLC Independent Mortgage CompanyWholesale	Sound	Sound*	Strong	Sound	Strong	$628Fees	0.251%Above	74
44	CASTLE & COOKE MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$3,177Fees	0.384%Above	138
45	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Sound	$3,140Fees	0.767%Above	83
46	Cobalt Credit Union Credit UnionDirect	Sound	Exceptional	—	Acceptable	Strong	$638Fees	0.069%Above	90
47	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$3,287Fees	0.436%Above	112
48	The Federal Savings Bank BankDirect	Sound	Acceptable	Exceptional	Sound	Sound	$3,777Fees	0.677%Above	44
49	Luminate Home Loans, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$2,490Fees	0.727%Above	46
50	Adams Bank & Trust BankDirect	Sound	Sound	—	Acceptable	Strong	$1,438Fees	0.223%Above	93

❓ Frequently Asked Questions

How are mortgage lenders ranked in Nebraska?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Nebraska), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Nebraska?+

Based on 2024 HMDA data, 119 lenders originated a combined 20,913 loans in Nebraska. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Nebraska?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Nebraska is 0.25%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Nebraska's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.