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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 FHA 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 | Pinnacle Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,193 | -0.005% | 1,087 | |
2 | Lincoln FSB of Nebraska | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,199 | -0.021% | 655 | |
3 | Union Bank and Trust Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,063 | -0.071% | 584 | |
4 | Core Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,074 | +0.125% | 261 | |
5 | CHARTER WEST BANK | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,437 | +0.313% | 1,346 | |
6 | Access Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,457 | +0.124% | 321 | |
7 | LIBERTY FIRST CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,770 | -0.016% | 222 | |
8 | WEST GATE BANK | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,057 | -0.034% | 1,396 | |
9 | First National Bank of Omaha | Exceptional | Strong | Strong | Strong | Exceptional | $1,248 | +0.162% | 1,207 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,768 | +0.218% | 661 | |
11 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,006 | +0.215% | 297 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,776 | +0.259% | 263 | |
13 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,173 | +0.634% | 182 | |
14 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $916 | +0.184% | 493 | |
15 | GERSHMAN INVESTMENT CORP. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,340 | +0.277% | 427 | |
16 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,517 | +0.129% | 228 | |
17 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,680 | +0.034% | 203 | |
18 | Arbor Bank | Exceptional | Strong | Sound | Strong | Exceptional | $874 | +0.099% | 195 | |
19 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,090 | +0.078% | 80 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,654 | +0.497% | 1,456 | |
21 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,695 | +0.471% | 269 | |
22 | Dayspring Bank | Strong | Strong | — | Strong | Strong | $1,378 | +0.096% | 125 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,272 | +0.444% | 109 | |
24 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,892 | +0.408% | 104 | |
25 | Cobalt Credit Union | Strong | Exceptional | — | Acceptable | Strong | $638 | +0.069% | 90 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,154 | +0.392% | 412 | |
27 | REGENT FINANCIAL GROUP, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,221 | +0.282% | 260 | |
28 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,931 | +0.650% | 241 | |
29 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $1,735 | +0.373% | 102 | |
30 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,110 | +0.343% | 100 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $330 | +0.389% | 718 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,813 | +0.385% | 411 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,323 | +0.390% | 358 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,064 | +0.242% | 322 | |
35 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,048 | +0.018% | 238 | |
36 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,650 | +0.243% | 174 | |
37 | American National Bank | Strong | Sound | Sound | Strong | Strong | $1,552 | +0.270% | 155 | |
38 | DUNDEE BANK | Strong | Sound | Sound | Strong | Strong | $2,758 | +0.206% | 126 | |
39 | LoanUnited.com, LLC | Strong | Sound | Strong | Sound | Strong | $628 | +0.251% | 74 | |
40 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,993 | +0.381% | 69 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,296 | +0.115% | 170 | |
42 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,374 | +0.631% | 70 | |
43 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,973 | +0.508% | 325 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,810 | +0.562% | 245 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,287 | +0.436% | 112 | |
46 | Adams Bank & Trust | Strong | Sound | — | Acceptable | Strong | $1,438 | +0.223% | 93 | |
47 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Sound | $3,777 | +0.677% | 44 | |
48 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,177 | +0.384% | 138 | |
49 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $2,490 | +0.727% | 46 | |
50 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,140 | +0.767% | 83 |
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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