# Best Mortgage Lenders in Nebraska

**As of:** 2026-05-25

Compare the top mortgage lenders in Nebraska. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/nebraska/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 119
- **Total Loans:** 20,913
- **Median Rate Spread:** 0.2526752136752137%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | WEST GATE BANK | 100 | 83 | 80 | 1,396 | Bank |
| 2 | Lincoln FSB of Nebraska | 100 | 83 | 83 | 655 | Bank |
| 3 | VERIDIAN CREDIT UNION | 100 | 86 | 86 | 485 | Credit Union |
| 4 | Pinnacle Bank | 93 | 80 | 78 | 1,087 | Bank |
| 5 | Union Bank and Trust Company | 93 | 88 | 77 | 584 | Bank |
| 6 | Arbor Bank | 93 | 83 | 71 | 195 | Bank |
| 7 | CORNHUSKER BANK | 93 | 81 | 76 | 186 | Bank |
| 8 | Exchange Bank | 93 | 86 | 84 | 73 | Bank |
| 9 | First National Bank of Omaha | 86 | 67 | 65 | 1,207 | Bank |
| 10 | Access Bank | 86 | 67 | 75 | 321 | Bank |
| 11 | Core Bank | 86 | 76 | 72 | 261 | Bank |
| 12 | CENTRIS | 86 | 76 | 60 | 208 | Credit Union |
| 13 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 661 | Independent Mortgage Company |
| 14 | IOWA BANKERS MORTGAGE CORPORATION | 84 | 83 | 82 | 48 | Independent Mortgage Company |
| 15 | U.S. Bank National Association | 80 | 75 | 71 | 493 | Bank |
| 16 | First Bank | 80 | 62 | 71 | 228 | Bank |
| 17 | Security First Bank | 80 | 75 | 62 | 141 | Bank |
| 18 | Dayspring Bank | 80 | 76 | 63 | 125 | Bank |
| 19 | Northwest Bank | 80 | 79 | 72 | 91 | Bank |
| 20 | CHARTER WEST BANK | 78 | 57 | 72 | 1,346 | Bank |
| 21 | GERSHMAN INVESTMENT CORP. | 78 | 55 | 79 | 427 | Independent Mortgage Company |
| 22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 263 | Independent Mortgage Company |
| 23 | LIBERTY FIRST CREDIT UNION | 78 | 55 | 63 | 222 | Credit Union |
| 24 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 186 | Credit Union |
| 25 | FLAT BRANCH MORTGAGE, INC. | 78 | 50 | 89 | 80 | Independent Mortgage Company |
| 26 | Central Bank | 78 | 63 | 84 | 43 | Bank |
| 27 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 1,456 | Independent Mortgage Company |
| 28 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 358 | Independent Mortgage Company |
| 29 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 238 | Bank |
| 30 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 203 | Independent Mortgage Company |
| 31 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 182 | Independent Mortgage Company |
| 32 | Frontier Bank | 73 | 60 | 67 | 167 | Bank |
| 33 | American National Bank | 73 | 44 | 68 | 155 | Bank |
| 34 | DUNDEE BANK | 73 | 41 | 67 | 126 | Bank |
| 35 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 109 | Independent Mortgage Company |
| 36 | DELMAR FINANCIAL COMPANY | 73 | 45 | 72 | 102 | Independent Mortgage Company |
| 37 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 98 | Bank |
| 38 | Citizens Bank, National Association | 73 | 69 | 62 | 59 | Bank |
| 39 | Central National Bank | 73 | 79 | 57 | 44 | Bank |
| 40 | NBKC BANK | 71 | 91 | 59 | 59 | Bank |
| 41 | Mortgage Research Center, LLC | 68 | 34 | 70 | 718 | Independent Mortgage Company |
| 42 | REGENT FINANCIAL GROUP, INC. | 68 | 35 | 73 | 260 | Independent Mortgage Company |
| 43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 412 | Independent Mortgage Company |
| 44 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 411 | Independent Mortgage Company |
| 45 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 322 | Independent Mortgage Company |
| 46 | Cobalt Credit Union | 68 | 84 | 22 | 90 | Credit Union |
| 47 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 57 | 57 | 170 | Independent Mortgage Company |
| 48 | Home Federal Savings and Loan Association of Grand Island | 66 | 54 | 59 | 102 | Bank |
| 49 | USAA Federal Savings Bank | 66 | 54 | 45 | 89 | Bank |
| 50 | LoanUnited.com, LLC | 66 | 41 | 43 | 74 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Nebraska.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.