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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,057 | -0.034% | 1,396 | |
2 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $123 | -0.248% | 485 | |
3 | Union Bank and Trust Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,063 | -0.071% | 584 | |
4 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $1,123 | -0.080% | 48 | |
5 | First National Bank of Omaha | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,248 | +0.162% | 1,207 | |
6 | Lincoln FSB of Nebraska | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,199 | -0.021% | 655 | |
7 | Arbor Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $874 | +0.099% | 195 | |
8 | CORNHUSKER BANK | Exceptional | Exceptional | Sound | Strong | Exceptional | $547 | +0.086% | 186 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $558 | -0.520% | 186 | |
10 | Northwest Bank | Exceptional | Exceptional | Strong | Strong | Strong | $586 | -0.085% | 91 | |
11 | Exchange Bank | Exceptional | Exceptional | Strong | Strong | Strong | $822 | +0.025% | 73 | |
12 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,193 | -0.005% | 1,087 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $916 | +0.184% | 493 | |
14 | Central National Bank | Exceptional | Exceptional | Sound | Strong | Strong | $565 | +0.263% | 44 | |
15 | GERSHMAN INVESTMENT CORP. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,340 | +0.277% | 427 | |
16 | Access Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,457 | +0.124% | 321 | |
17 | Core Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,074 | +0.125% | 261 | |
18 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,048 | +0.018% | 238 | |
19 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,517 | +0.129% | 228 | |
20 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,090 | +0.078% | 80 | |
21 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $590 | -0.247% | 59 | |
22 | Central Bank | Exceptional | Strong | Strong | Exceptional | Sound | $3,299 | +0.017% | 43 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,654 | +0.497% | 1,456 | |
24 | CHARTER WEST BANK | Strong | Sound | Strong | Strong | Exceptional | $1,437 | +0.313% | 1,346 | |
25 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,768 | +0.218% | 661 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,776 | +0.259% | 263 | |
27 | CENTRIS | Strong | Strong | Sound | Sound | Exceptional | $1,085 | +0.146% | 208 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,296 | +0.115% | 170 | |
29 | Frontier Bank | Strong | Strong | Sound | Strong | Strong | $801 | +0.319% | 167 | |
30 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,272 | +0.444% | 109 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,950 | +0.257% | 98 | |
32 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,321 | +0.133% | 59 | |
33 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,680 | +0.034% | 203 | |
34 | Security First Bank | Strong | Strong | Sound | Sound | Strong | $861 | +0.165% | 141 | |
35 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $1,735 | +0.373% | 102 | |
36 | BMO Bank National Association | Strong | Strong | Strong | Sound | Sound | $950 | +0.375% | 57 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,154 | +0.392% | 412 | |
38 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,813 | +0.385% | 411 | |
39 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,323 | +0.390% | 358 | |
40 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,064 | +0.242% | 322 | |
41 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,006 | +0.215% | 297 | |
42 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,695 | +0.471% | 269 | |
43 | REGENT FINANCIAL GROUP, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,221 | +0.282% | 260 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,810 | +0.562% | 245 | |
45 | LIBERTY FIRST CREDIT UNION | Strong | Sound | Sound | Sound | Exceptional | $1,770 | -0.016% | 222 | |
46 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,173 | +0.634% | 182 | |
47 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,650 | +0.243% | 174 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,287 | +0.436% | 112 | |
49 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,892 | +0.408% | 104 | |
50 | Home Federal Savings and Loan Association of Grand Island | Strong | Sound | Sound | Strong | Strong | $1,023 | +0.252% | 102 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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