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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 Mortgage Lenders in Nebraska
Updated February 6, 2026
Market Overview
119
Total Lenders
20,913
Total Loans
0.25%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Exceptional | $1,057 | -0.034% | 1,396 | |
2 | Lincoln FSB of Nebraska | Exceptional | Exceptional | Exceptional | Exceptional | $1,199 | -0.021% | 655 | |
3 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | $123 | -0.248% | 485 | |
4 | Pinnacle Bank | Exceptional | Exceptional | Strong | Exceptional | $1,193 | -0.005% | 1,087 | |
5 | Union Bank and Trust Company | Exceptional | Exceptional | Strong | Exceptional | $1,063 | -0.071% | 584 | |
6 | Arbor Bank | Exceptional | Exceptional | Strong | Exceptional | $874 | +0.099% | 195 | |
7 | CORNHUSKER BANK | Exceptional | Exceptional | Strong | Exceptional | $547 | +0.086% | 186 | |
8 | Exchange Bank | Exceptional | Exceptional | Exceptional | Strong | $822 | +0.025% | 73 | |
9 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Sound | $1,123 | -0.080% | 48 | |
10 | First National Bank of Omaha | Exceptional | Strong | Strong | Exceptional | $1,248 | +0.162% | 1,207 | |
11 | Access Bank | Exceptional | Strong | Strong | Exceptional | $1,457 | +0.124% | 321 | |
12 | Core Bank | Exceptional | Strong | Strong | Exceptional | $1,074 | +0.125% | 261 | |
13 | CENTRIS | Exceptional | Strong | Strong | Exceptional | $1,085 | +0.146% | 208 | |
14 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $558 | -0.520% | 186 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,768 | +0.218% | 661 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $916 | +0.184% | 493 | |
17 | First Bank | Strong | Strong | Strong | Strong | $1,517 | +0.129% | 228 | |
18 | Security First Bank | Strong | Strong | Strong | Strong | $861 | +0.165% | 141 | |
19 | Dayspring Bank | Strong | Strong | Strong | Strong | $1,378 | +0.096% | 125 | |
20 | Northwest Bank | Strong | Strong | Strong | Strong | $586 | -0.085% | 91 | |
21 | Cobalt Credit Union | Strong | Exceptional | Acceptable | Strong | $638 | +0.069% | 90 | |
22 | NBKC BANK | Strong | Exceptional | Sound | Sound | $590 | -0.247% | 59 | |
23 | Central Bank | Strong | Strong | Exceptional | Sound | $3,299 | +0.017% | 43 | |
24 | CHARTER WEST BANK | Strong | Sound | Strong | Exceptional | $1,437 | +0.313% | 1,346 | |
25 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Exceptional | $1,340 | +0.277% | 427 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,776 | +0.259% | 263 | |
27 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,048 | +0.018% | 238 | |
28 | LIBERTY FIRST CREDIT UNION | Strong | Sound | Strong | Exceptional | $1,770 | -0.016% | 222 | |
29 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | $1,090 | +0.078% | 80 | |
30 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,321 | +0.133% | 59 | |
31 | Central National Bank | Strong | Strong | Sound | Strong | $565 | +0.263% | 44 | |
32 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,654 | +0.497% | 1,456 | |
33 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,323 | +0.390% | 358 | |
34 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,680 | +0.034% | 203 | |
35 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,173 | +0.634% | 182 | |
36 | Frontier Bank | Strong | Sound | Strong | Strong | $801 | +0.319% | 167 | |
37 | American National Bank | Strong | Sound | Strong | Strong | $1,552 | +0.270% | 155 | |
38 | DUNDEE BANK | Strong | Sound | Strong | Strong | $2,758 | +0.206% | 126 | |
39 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,272 | +0.444% | 109 | |
40 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $1,735 | +0.373% | 102 | |
41 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,950 | +0.257% | 98 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $330 | +0.389% | 718 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,154 | +0.392% | 412 | |
44 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,813 | +0.385% | 411 | |
45 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,064 | +0.242% | 322 | |
46 | REGENT FINANCIAL GROUP, INC. | Strong | Acceptable | Strong | Exceptional | $2,221 | +0.282% | 260 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,296 | +0.115% | 170 | |
48 | Home Federal Savings and Loan Association of Grand Island | Strong | Sound | Sound | Strong | $1,023 | +0.252% | 102 | |
49 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,455 | -0.205% | 89 | |
50 | LoanUnited.com, LLC | Strong | Sound | Sound | Strong | $628 | +0.251% | 74 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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