Safe Rate Rankings

Best VA 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

Veridian Credit Union is Safe Rate's top-ranked VA lender in Nebraska, leading on pricing, pullthrough, VA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Nebraska, Veridian Credit Union and Navy Federal Credit Union scores highest on VA pricing while Access Bank and Lincoln FSB of Nebraska leads on likelihood to close. That is why we encourage speaking with multiple lenders.
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 (#17) and West Gate Bank (#4).

Explore Rankings by Type

Overall Rankings

All lenders in Nebraska

Need rankings for a different loan product?

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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	VERIDIAN CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$123Fees	0.248%Below	485
2	Lincoln FSB of Nebraska BankDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$1,199Fees	0.021%Below	655
3	Pinnacle Bank BankDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$1,193Fees	0.005%Below	1,087
4	WEST GATE BANK BankDirect & Wholesale	Exceptional	Strong*	Strong	Strong	Exceptional	$1,057Fees	0.034%Below	1,396
5	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Strong*	Exceptional	Exceptional	Exceptional	$1,768Fees	0.218%Above	661
6	CHARTER WEST BANK BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,437Fees	0.313%Above	1,346
7	Union Bank and Trust Company BankDirect	Strong	Exceptional	Sound	Strong	Exceptional	$1,063Fees	0.071%Below	584
8	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$2,323Fees	0.390%Above	358
9	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$558Fees	0.520%Below	186
10	Access Bank BankDirect	Strong	Strong	Strong	Exceptional	Exceptional	$1,457Fees	0.124%Above	321
11	NBKC BANK BankDirect	Strong	Exceptional	Exceptional	Strong	Sound	$590Fees	0.247%Below	59
12	GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Exceptional	$1,340Fees	0.277%Above	427
13	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$1,813Fees	0.385%Above	411
14	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$916Fees	0.184%Above	493
15	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$1,006Fees	0.215%Above	297
16	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$2,776Fees	0.259%Above	263
17	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,654Fees	0.497%Above	1,456
18	First National Bank of Omaha BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,248Fees	0.162%Above	1,207
19	First Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$1,517Fees	0.129%Above	228
20	Core Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,074Fees	0.125%Above	261
21	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,173Fees	0.634%Above	182
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,154Fees	0.392%Above	412
23	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$1,680Fees	0.034%Above	203
24	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$330Fees	0.389%Above	718
25	Arbor Bank BankDirect	Strong	Exceptional	Sound	Sound	Exceptional	$874Fees	0.099%Above	195
26	DELMAR FINANCIAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$1,735Fees	0.373%Above	102
27	Plains Commerce Bank BankWholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,695Fees	0.471%Above	269
28	Gateway First Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,650Fees	0.243%Above	174
29	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,272Fees	0.444%Above	109
30	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,892Fees	0.408%Above	104
31	USAA Federal Savings Bank BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,455Fees	0.205%Below	89
32	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,810Fees	0.562%Above	245
33	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,064Fees	0.242%Above	322
34	Wells Fargo Bank, National Association BankDirect	Strong	Sound	Exceptional	Sound	Strong	$2,048Fees	0.018%Above	238
35	LIBERTY FIRST CREDIT UNION Credit UnionDirect	Strong	Sound	Strong	Strong	Exceptional	$1,770Fees	0.016%Below	222
36	Security First Bank BankDirect	Strong	Strong	—	Strong	Strong	$861Fees	0.165%Above	141
37	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,110Fees	0.343%Above	100
38	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$1,296Fees	0.115%Above	170
39	REGENT FINANCIAL GROUP, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Exceptional	Exceptional	$2,221Fees	0.282%Above	260
40	MORIA DEVELOPMENT, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$2,931Fees	0.650%Above	241
41	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,374Fees	0.631%Above	70
42	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,993Fees	0.381%Above	69
43	American National Bank BankDirect	Strong	Sound	Sound	Strong	Strong	$1,552Fees	0.270%Above	155
44	LoanUnited.com, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Sound	Strong	$628Fees	0.251%Above	74
45	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,287Fees	0.436%Above	112
46	Cobalt Credit Union Credit UnionDirect	Sound	Exceptional	Sound	Acceptable	Strong	$638Fees	0.069%Above	90
47	CHURCHILL MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$2,973Fees	0.508%Above	325
48	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Sound	$3,140Fees	0.767%Above	83
49	CASTLE & COOKE MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$3,177Fees	0.384%Above	138
50	The Federal Savings Bank BankDirect	Sound	Mediocre	Exceptional	Sound	Sound	$3,777Fees	0.677%Above	44

❓ 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.