# Best Bank Mortgage Lenders in Omaha, NE

**As of:** 2026-05-26

Compare the top banks offering mortgages in Omaha, NE. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/omaha-ne/best-mortgage-lenders/banks


> **📋 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:** 101
- **Total Loans:** 12,217
- **Median Rate Spread:** 0.22247%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | WEST GATE BANK | 100 | 83 | 80 | 429 | Bank |
| 2 | Pinnacle Bank | 93 | 80 | 78 | 251 | Bank |
| 3 | Arbor Bank | 93 | 83 | 71 | 187 | Bank |
| 4 | Lincoln FSB of Nebraska | 93 | 83 | 83 | 72 | Bank |
| 5 | First National Bank of Omaha | 86 | 67 | 65 | 850 | Bank |
| 6 | Access Bank | 86 | 67 | 75 | 324 | Bank |
| 7 | Core Bank | 86 | 76 | 72 | 263 | Bank |
| 8 | Union Bank and Trust Company | 86 | 88 | 77 | 134 | Bank |
| 9 | U.S. Bank National Association | 80 | 75 | 71 | 253 | Bank |
| 10 | First Bank | 80 | 62 | 71 | 130 | Bank |
| 11 | Northwest Bank | 80 | 79 | 72 | 81 | Bank |
| 12 | Dayspring Bank | 80 | 76 | 63 | 55 | Bank |
| 13 | CHARTER WEST BANK | 78 | 57 | 72 | 750 | Bank |
| 14 | American National Bank | 78 | 44 | 68 | 184 | Bank |
| 15 | DUNDEE BANK | 78 | 41 | 67 | 123 | Bank |
| 16 | CORNHUSKER BANK | 78 | 81 | 76 | 28 | Bank |
| 17 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 130 | Bank |
| 18 | Frontier Bank | 73 | 60 | 67 | 52 | Bank |
| 19 | Citizens Bank, National Association | 73 | 69 | 62 | 34 | Bank |
| 20 | Bank of America, National Association | 73 | 73 | 75 | 30 | Bank |
| 21 | NBKC BANK | 71 | 91 | 59 | 45 | Bank |
| 22 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 59 | Bank |
| 23 | Central National Bank | 66 | 79 | 57 | 29 | Bank |
| 24 | Plains Commerce Bank | 63 | 37 | 67 | 141 | Bank |
| 25 | Flagstar Bank, N.A. | 63 | 40 | 76 | 80 | Bank |
| 26 | Gateway First Bank | 63 | 29 | 79 | 71 | Bank |
| 27 | USAA Federal Savings Bank | 60 | 54 | 45 | 53 | Bank |
| 28 | BMO Bank National Association | 60 | 60 | 57 | 37 | Bank |
| 29 | Flanagan State Bank | 52 | 24 | 60 | 35 | Bank |

## 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 Omaha, NE.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.