🛡️
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 Bank Mortgage Lenders in Omaha
Updated February 5, 2026
Market Overview
29
Total Lenders
5,019
Total Loans
0.11%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Exceptional | $970 | -0.130% | 429 | |
2 | Pinnacle Bank | Exceptional | Exceptional | Strong | Exceptional | $1,087 | -0.066% | 251 | |
3 | Arbor Bank | Exceptional | Exceptional | Strong | Exceptional | $833 | +0.089% | 187 | |
4 | Lincoln FSB of Nebraska | Exceptional | Exceptional | Exceptional | Strong | $1,273 | +0.095% | 72 | |
5 | Union Bank and Trust Company | Exceptional | Exceptional | Strong | Strong | $977 | -0.101% | 134 | |
6 | First National Bank of Omaha | Exceptional | Strong | Strong | Exceptional | $1,199 | +0.180% | 850 | |
7 | Access Bank | Exceptional | Strong | Strong | Exceptional | $1,454 | +0.132% | 324 | |
8 | Core Bank | Exceptional | Strong | Strong | Exceptional | $1,066 | +0.131% | 263 | |
9 | CORNHUSKER BANK | Exceptional | Exceptional | Strong | Sound | $723 | -0.002% | 28 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $887 | +0.169% | 253 | |
11 | First Bank | Strong | Strong | Strong | Strong | $1,247 | +0.145% | 130 | |
12 | Northwest Bank | Strong | Strong | Strong | Strong | $505 | -0.080% | 81 | |
13 | Dayspring Bank | Strong | Strong | Strong | Strong | $1,342 | -0.003% | 55 | |
14 | NBKC BANK | Strong | Exceptional | Sound | Sound | $474 | -0.294% | 45 | |
15 | CHARTER WEST BANK | Strong | Sound | Strong | Exceptional | $1,344 | +0.290% | 750 | |
16 | American National Bank | Strong | Sound | Strong | Exceptional | $1,635 | +0.315% | 184 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,135 | +0.005% | 130 | |
18 | DUNDEE BANK | Strong | Sound | Strong | Exceptional | $2,770 | +0.202% | 123 | |
19 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,072 | +0.077% | 34 | |
20 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,287 | -0.123% | 30 | |
21 | Frontier Bank | Strong | Sound | Strong | Strong | $611 | +0.064% | 52 | |
22 | Central National Bank | Strong | Strong | Sound | Sound | $489 | +0.207% | 29 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,046 | +0.110% | 59 | |
24 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $1,721 | +0.396% | 141 | |
25 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,975 | +0.357% | 80 | |
26 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $1,405 | +0.159% | 71 | |
27 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,344 | -0.210% | 53 | |
28 | BMO Bank National Association | Strong | Sound | Sound | Sound | $1,048 | +0.383% | 37 | |
29 | Flanagan State Bank | Sound | Acceptable | Sound | Sound | $2,268 | +0.566% | 35 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Omaha, NE
No credit impact
3-minute process
100% free