# Best FHA Mortgage Lenders in Nebraska

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

Compare the top FHA mortgage lenders in Nebraska. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Pinnacle Bank | 95 | 86 | 81 | 1,087 | Bank |
| 2 | Lincoln FSB of Nebraska | 95 | 92 | 84 | 655 | Bank |
| 3 | CHARTER WEST BANK | 89 | 67 | 73 | 1,346 | Bank |
| 4 | Union Bank and Trust Company | 89 | 80 | 76 | 584 | Bank |
| 5 | Access Bank | 89 | 62 | 80 | 321 | Bank |
| 6 | Core Bank | 89 | 83 | 80 | 261 | Bank |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 661 | Independent Mortgage Company |
| 8 | First National Bank of Omaha | 85 | 73 | 72 | 1,207 | Bank |
| 9 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 297 | Independent Mortgage Company |
| 10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 263 | Independent Mortgage Company |
| 11 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 182 | Independent Mortgage Company |
| 12 | GERSHMAN INVESTMENT CORP. | 83 | 60 | 76 | 427 | Independent Mortgage Company |
| 13 | LIBERTY FIRST CREDIT UNION | 83 | 82 | 56 | 222 | Credit Union |
| 14 | FLAT BRANCH MORTGAGE, INC. | 83 | 43 | 85 | 80 | Independent Mortgage Company |
| 15 | First Bank | 80 | 65 | 72 | 228 | Bank |
| 16 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,456 | Independent Mortgage Company |
| 17 | U.S. Bank National Association | 79 | 65 | 60 | 493 | Bank |
| 18 | Plains Commerce Bank | 79 | 47 | 66 | 269 | Bank |
| 19 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 203 | Independent Mortgage Company |
| 20 | Arbor Bank | 79 | 73 | 73 | 195 | Bank |
| 21 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 109 | Independent Mortgage Company |
| 22 | Flagstar Bank, N.A. | 79 | 58 | 71 | 104 | Bank |
| 23 | WEST GATE BANK | 77 | 83 | 55 | 1,396 | Bank |
| 24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 412 | Independent Mortgage Company |
| 25 | REGENT FINANCIAL GROUP, INC. | 75 | 39 | 86 | 260 | Independent Mortgage Company |
| 26 | MORIA DEVELOPMENT, INC. | 75 | 21 | 82 | 241 | Independent Mortgage Company |
| 27 | Dayspring Bank | 74 | 76 | 63 | 125 | Bank |
| 28 | DELMAR FINANCIAL COMPANY | 74 | 41 | 73 | 102 | Independent Mortgage Company |
| 29 | NEWREZ LLC | 73 | 52 | 56 | 100 | Independent Mortgage Company |
| 30 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 411 | Independent Mortgage Company |
| 31 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 358 | Independent Mortgage Company |
| 32 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 322 | Independent Mortgage Company |
| 33 | Gateway First Bank | 71 | 35 | 77 | 174 | Bank |
| 34 | Mortgage Research Center, LLC | 70 | 34 | 54 | 718 | Independent Mortgage Company |
| 35 | UNION HOME MORTGAGE CORP. | 70 | 22 | 80 | 69 | Independent Mortgage Company |
| 36 | Wells Fargo Bank, National Association | 69 | 57 | 42 | 238 | Bank |
| 37 | American National Bank | 69 | 44 | 67 | 155 | Bank |
| 38 | DUNDEE BANK | 69 | 41 | 77 | 126 | Bank |
| 39 | LoanUnited.com, LLC | 69 | 54 | 47 | 74 | Independent Mortgage Company |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 36 | 56 | 170 | Independent Mortgage Company |
| 41 | Cobalt Credit Union | 66 | 84 | 22 | 90 | Credit Union |
| 42 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 70 | Independent Mortgage Company |
| 43 | The Federal Savings Bank | 62 | 26 | 53 | 44 | Bank |
| 44 | CHURCHILL MORTGAGE CORPORATION | 60 | 20 | 65 | 325 | Independent Mortgage Company |
| 45 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 245 | Independent Mortgage Company |
| 46 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 112 | Independent Mortgage Company |
| 47 | Adams Bank & Trust | 58 | 41 | 33 | 93 | Bank |
| 48 | CASTLE & COOKE MORTGAGE, LLC | 57 | 18 | 66 | 138 | Independent Mortgage Company |
| 49 | Luminate Home Loans, Inc. | 56 | 11 | 63 | 46 | Independent Mortgage Company |
| 50 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 83 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.