🛡️
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 Conventional Mortgage Bank Lenders in Omaha
Updated February 5, 2026
Market Overview
29
Total Lenders
12,217
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $970 | -0.130% | 429 | |
2 | First National Bank of Omaha | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,199 | +0.180% | 850 | |
3 | Arbor Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $833 | +0.089% | 187 | |
4 | Union Bank and Trust Company | Exceptional | Exceptional | Strong | Strong | Strong | $977 | -0.101% | 134 | |
5 | Northwest Bank | Exceptional | Exceptional | Strong | Strong | Strong | $505 | -0.080% | 81 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $887 | +0.169% | 253 | |
7 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,087 | -0.066% | 251 | |
8 | Lincoln FSB of Nebraska | Exceptional | Strong | Strong | Exceptional | Strong | $1,273 | +0.095% | 72 | |
9 | Access Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,454 | +0.132% | 324 | |
10 | Core Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,066 | +0.131% | 263 | |
11 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,247 | +0.145% | 130 | |
12 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,135 | +0.005% | 130 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $474 | -0.294% | 45 | |
14 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,287 | -0.123% | 30 | |
15 | Central National Bank | Exceptional | Exceptional | Sound | Strong | Sound | $489 | +0.207% | 29 | |
16 | CORNHUSKER BANK | Exceptional | Exceptional | Sound | Strong | Sound | $723 | -0.002% | 28 | |
17 | CHARTER WEST BANK | Strong | Sound | Strong | Strong | Exceptional | $1,344 | +0.290% | 750 | |
18 | Frontier Bank | Strong | Strong | Sound | Strong | Strong | $611 | +0.064% | 52 | |
19 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,072 | +0.077% | 34 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,046 | +0.110% | 59 | |
21 | BMO Bank National Association | Strong | Strong | Strong | Sound | Sound | $1,048 | +0.383% | 37 | |
22 | American National Bank | Strong | Sound | Sound | Sound | Exceptional | $1,635 | +0.315% | 184 | |
23 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,721 | +0.396% | 141 | |
24 | DUNDEE BANK | Strong | Sound | Sound | Sound | Exceptional | $2,770 | +0.202% | 123 | |
25 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,975 | +0.357% | 80 | |
26 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,405 | +0.159% | 71 | |
27 | Dayspring Bank | Strong | Strong | Acceptable | Sound | Strong | $1,342 | -0.003% | 55 | |
28 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,344 | -0.210% | 53 | |
29 | Flanagan State Bank | Sound | Acceptable | Strong | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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, NEConventional
No credit impact
3-minute process
100% free