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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 Omaha
Updated February 5, 2026
Market Overview
101
Total Lenders
12,217
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | $125 | -0.232% | 506 | |
2 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Exceptional | $970 | -0.130% | 429 | |
3 | Pinnacle Bank | Exceptional | Exceptional | Strong | Exceptional | $1,087 | -0.066% | 251 | |
4 | Arbor Bank | Exceptional | Exceptional | Strong | Exceptional | $833 | +0.089% | 187 | |
5 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Strong | $1,186 | -0.131% | 96 | |
6 | Lincoln FSB of Nebraska | Exceptional | Exceptional | Exceptional | Strong | $1,273 | +0.095% | 72 | |
7 | Union Bank and Trust Company | Exceptional | Exceptional | Strong | Strong | $977 | -0.101% | 134 | |
8 | First National Bank of Omaha | Exceptional | Strong | Strong | Exceptional | $1,199 | +0.180% | 850 | |
9 | Access Bank | Exceptional | Strong | Strong | Exceptional | $1,454 | +0.132% | 324 | |
10 | Core Bank | Exceptional | Strong | Strong | Exceptional | $1,066 | +0.131% | 263 | |
11 | CENTRIS | Exceptional | Strong | Strong | Exceptional | $1,104 | +0.142% | 214 | |
12 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $673 | -0.509% | 133 | |
13 | CORNHUSKER BANK | Exceptional | Exceptional | Strong | Sound | $723 | -0.002% | 28 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,666 | +0.202% | 510 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $3,004 | +0.302% | 363 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $887 | +0.169% | 253 | |
17 | First Bank | Strong | Strong | Strong | Strong | $1,247 | +0.145% | 130 | |
18 | Cobalt Credit Union | Strong | Exceptional | Acceptable | Strong | $556 | +0.054% | 96 | |
19 | Northwest Bank | Strong | Strong | Strong | Strong | $505 | -0.080% | 81 | |
20 | Dayspring Bank | Strong | Strong | Strong | Strong | $1,342 | -0.003% | 55 | |
21 | NBKC BANK | Strong | Exceptional | Sound | Sound | $474 | -0.294% | 45 | |
22 | CHARTER WEST BANK | Strong | Sound | Strong | Exceptional | $1,344 | +0.290% | 750 | |
23 | American National Bank | Strong | Sound | Strong | Exceptional | $1,635 | +0.315% | 184 | |
24 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | $1,561 | +0.288% | 131 | |
25 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,135 | +0.005% | 130 | |
26 | DUNDEE BANK | Strong | Sound | Strong | Exceptional | $2,770 | +0.202% | 123 | |
27 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,072 | +0.077% | 34 | |
28 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,287 | -0.123% | 30 | |
29 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,808 | +0.387% | 682 | |
30 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,280 | +0.350% | 285 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,428 | +0.080% | 162 | |
32 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,806 | +0.544% | 115 | |
33 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Strong | $1,283 | +0.396% | 88 | |
34 | Frontier Bank | Strong | Sound | Strong | Strong | $611 | +0.064% | 52 | |
35 | Central National Bank | Strong | Strong | Sound | Sound | $489 | +0.207% | 29 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $31 | +0.236% | 484 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,148 | +0.243% | 313 | |
38 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,201 | +0.314% | 291 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,275 | +0.386% | 281 | |
40 | REGENT FINANCIAL GROUP, INC. | Strong | Acceptable | Strong | Exceptional | $2,369 | +0.270% | 216 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,081 | +0.101% | 124 | |
42 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,521 | +0.382% | 59 | |
43 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,046 | +0.110% | 59 | |
44 | LoanUnited.com, LLC | Strong | Sound | Sound | Strong | $570 | +0.182% | 59 | |
45 | Servion, Inc. | Strong | Sound | Strong | Sound | $971 | +0.223% | 28 | |
46 | LIBERTY FIRST CREDIT UNION | Strong | Sound | Strong | Sound | $1,469 | +0.121% | 27 | |
47 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,706 | +0.566% | 224 | |
48 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $911 | +0.249% | 158 | |
49 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $1,721 | +0.396% | 141 | |
50 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,975 | +0.357% | 80 |
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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