Safe Rate Rankings

Best FHA Mortgage Lenders in Omaha

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 Lenders101

Total Loans12,217

Median Rate Spread0.22%

Omaha Market Insights

First National Bank of Omaha is Safe Rate's top-ranked FHA lender in Omaha, 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 #4 in Omaha, 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 Omaha: Rocket Mortgage (#8) and First National Bank of Omaha (#1).

Explore Rankings by Type

Overall Rankings

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First National Bank of Omaha BankDirect	Exceptional	Strong	Strong	Strong	Exceptional	$1,199Fees	0.180%Above	850
2	CHARTER WEST BANK BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,344Fees	0.290%Above	750
3	Pinnacle Bank BankDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$1,087Fees	0.066%Below	251
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	Exceptional	$1,666Fees	0.202%Above	510
5	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Exceptional	$3,004Fees	0.302%Above	363
6	Core Bank BankDirect	Strong	Exceptional	Strong	Strong	Exceptional	$1,066Fees	0.131%Above	263
7	Lincoln FSB of Nebraska BankDirect	Strong	Exceptional	Strong	Exceptional	Strong	$1,273Fees	0.095%Above	72
8	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,808Fees	0.387%Above	682
9	Access Bank BankDirect	Strong	Strong	Strong	Exceptional	Exceptional	$1,454Fees	0.132%Above	324
10	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$1,428Fees	0.080%Above	162
11	Union Bank and Trust Company BankDirect	Strong	Exceptional	Strong	Strong	Strong	$977Fees	0.101%Below	134
12	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$911Fees	0.249%Above	158
13	WEST GATE BANK BankDirect & Wholesale	Strong	Exceptional*	Sound	Sound	Exceptional	$970Fees	0.130%Below	429
14	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$887Fees	0.169%Above	253
15	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$1,561Fees	0.288%Above	131
16	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$1,806Fees	0.544%Above	115
17	GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$1,283Fees	0.396%Above	88
18	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,148Fees	0.243%Above	313
19	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,201Fees	0.314%Above	291
20	Arbor Bank BankDirect	Strong	Strong	Sound	Strong	Exceptional	$833Fees	0.089%Above	187
21	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,975Fees	0.357%Above	80
22	REGENT FINANCIAL GROUP, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,369Fees	0.270%Above	216
23	First Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$1,247Fees	0.145%Above	130
24	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,521Fees	0.382%Above	59
25	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,280Fees	0.350%Above	285
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,275Fees	0.386%Above	281
27	Plains Commerce Bank BankWholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,721Fees	0.396%Above	141
28	Gateway First Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,405Fees	0.159%Above	71
29	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,333Fees	0.277%Above	66
30	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,706Fees	0.566%Above	224
31	MORIA DEVELOPMENT, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,922Fees	0.464%Above	127
32	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$4,975Fees	0.238%Above	27
33	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$31Fees	0.236%Above	484
34	LIBERTY FIRST CREDIT UNION Credit UnionDirect	Strong	Exceptional	Strong	Sound	Sound	$1,469Fees	0.121%Above	27
35	American National Bank BankDirect	Strong	Sound	Sound	Strong	Exceptional	$1,635Fees	0.315%Above	184
36	DUNDEE BANK BankDirect	Strong	Sound	Sound	Strong	Exceptional	$2,770Fees	0.202%Above	123
37	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Sound	$2,255Fees	0.331%Above	59
38	CHURCHILL MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,058Fees	0.475%Above	270
39	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$1,081Fees	0.101%Above	124
40	Wells Fargo Bank, National Association BankDirect	Strong	Sound	Strong	Sound	Strong	$2,135Fees	0.005%Above	130
41	LoanUnited.com, LLC Independent Mortgage CompanyWholesale	Sound	Sound*	Strong	Sound	Strong	$570Fees	0.182%Above	59
42	Cobalt Credit Union Credit UnionDirect	Sound	Exceptional	—	Acceptable	Strong	$556Fees	0.054%Above	96
43	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Sound	$2,796Fees	0.598%Above	45
44	Flanagan State Bank BankDirect	Sound	Acceptable	Strong	Strong	Sound	$2,268Fees	0.566%Above	35
45	Servion, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	$971Fees	0.223%Above	28
46	Luminate Home Loans, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$2,288Fees	0.897%Above	94
47	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$2,896Fees	0.485%Above	70
48	CASTLE & COOKE MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$3,405Fees	0.296%Above	58

❓ Frequently Asked Questions

How are mortgage lenders ranked in Omaha, NE?+

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 Omaha, NE), 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 Omaha, NE?+

Based on 2024 HMDA data, 101 lenders originated a combined 12,217 loans in Omaha, NE. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Omaha, NE?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Omaha, NE is 0.22%. 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 Omaha, NE'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.