Safe Rate Rankings

Best Bank Mortgage Lenders in Omaha

Updated May 26, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders101

Total Loans12,217

Median Rate Spread0.22%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	WEST GATE BANKBank	Exceptional	Exceptional	Exceptional	Exceptional	$970Fees	0.130%Below	429
2	Pinnacle BankBank	Exceptional	Exceptional	Strong	Exceptional	$1,087Fees	0.066%Below	251
3	Arbor BankBank	Exceptional	Exceptional	Strong	Exceptional	$833Fees	0.089%Above	187
4	Lincoln FSB of NebraskaBank	Exceptional	Exceptional	Exceptional	Strong	$1,273Fees	0.095%Above	72
5	Union Bank and Trust CompanyBank	Exceptional	Exceptional	Strong	Strong	$977Fees	0.101%Below	134
6	First National Bank of OmahaBank	Exceptional	Strong	Strong	Exceptional	$1,199Fees	0.180%Above	850
7	Access BankBank	Exceptional	Strong	Strong	Exceptional	$1,454Fees	0.132%Above	324
8	Core BankBank	Exceptional	Strong	Strong	Exceptional	$1,066Fees	0.131%Above	263
9	CORNHUSKER BANKBank	Exceptional	Exceptional	Strong	Sound	$723Fees	0.002%Below	28
10	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$887Fees	0.169%Above	253
11	First BankBank	Strong	Strong	Strong	Strong	$1,247Fees	0.145%Above	130
12	Northwest BankBank	Strong	Strong	Strong	Strong	$505Fees	0.080%Below	81
13	Dayspring BankBank	Strong	Strong	Strong	Strong	$1,342Fees	0.003%Below	55
14	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$474Fees	0.294%Below	45
15	CHARTER WEST BANKBank	Strong	Sound	Strong	Exceptional	$1,344Fees	0.290%Above	750
16	American National BankBank	Strong	Sound	Strong	Exceptional	$1,635Fees	0.315%Above	184
17	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,135Fees	0.005%Above	130
18	DUNDEE BANKBank	Strong	Sound	Strong	Exceptional	$2,770Fees	0.202%Above	123
19	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,072Fees	0.077%Above	34
20	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$1,287Fees	0.123%Below	30
21	Frontier BankBank	Strong	Sound	Strong	Strong	$611Fees	0.064%Above	52
22	Central National BankBank	Strong	Strong	Sound	Sound	$489Fees	0.207%Above	29
23	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,046Fees	0.110%Above	59
24	Plains Commerce BankBank	Strong	Acceptable	Strong	Strong	$1,721Fees	0.396%Above	141
25	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$1,975Fees	0.357%Above	80
26	Gateway First BankBank	Strong	Acceptable	Strong	Strong	$1,405Fees	0.159%Above	71
27	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,344Fees	0.210%Below	53
28	BMO Bank National AssociationBank	Strong	Sound	Sound	Sound	$1,048Fees	0.383%Above	37
29	Flanagan State BankBank	Sound	Acceptable	Sound	Sound	$2,268Fees	0.566%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.