Safe Rate Rankings

Best Conventional Mortgage Lenders in Omaha

Updated May 19, 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VERIDIAN CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$125Fees	0.232%Below	506
2	WEST GATE BANKBank	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$970Fees	0.130%Below	429
3	IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$1,186Fees	0.131%Below	96
4	First National Bank of OmahaBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,199Fees	0.180%Above	850
5	Arbor BankBank	Exceptional	Exceptional	Sound	Strong	Exceptional	$833Fees	0.089%Above	187
6	Union Bank and Trust CompanyBank	Exceptional	Exceptional	Strong	Strong	Strong	$977Fees	0.101%Below	134
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$673Fees	0.509%Below	133
8	Northwest BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$505Fees	0.080%Below	81
9	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$887Fees	0.169%Above	253
10	Pinnacle BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,087Fees	0.066%Below	251
11	Lincoln FSB of NebraskaBank	Exceptional	Strong	Strong	Exceptional	Strong	$1,273Fees	0.095%Above	72
12	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,004Fees	0.302%Above	363
13	Access BankBank	Exceptional	Strong	Sound	Strong	Exceptional	$1,454Fees	0.132%Above	324
14	Core BankBank	Exceptional	Strong	Sound	Strong	Exceptional	$1,066Fees	0.131%Above	263
15	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,561Fees	0.288%Above	131
16	First BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,247Fees	0.145%Above	130
17	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,135Fees	0.005%Above	130
18	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$474Fees	0.294%Below	45
19	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,287Fees	0.123%Below	30
20	Central National BankBank	Exceptional	Exceptional	Sound	Strong	Sound	$489Fees	0.207%Above	29
21	CORNHUSKER BANKBank	Exceptional	Exceptional	Sound	Strong	Sound	$723Fees	0.002%Below	28
22	CHARTER WEST BANKBank	Strong	Sound	Strong	Strong	Exceptional	$1,344Fees	0.290%Above	750
23	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,808Fees	0.387%Above	682
24	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,666Fees	0.202%Above	510
25	CENTRISCredit Union	Strong	Strong	Sound	Sound	Exceptional	$1,104Fees	0.142%Above	214
26	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$1,081Fees	0.101%Above	124
27	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,283Fees	0.396%Above	88
28	Frontier BankBank	Strong	Strong	Sound	Strong	Strong	$611Fees	0.064%Above	52
29	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,072Fees	0.077%Above	34
30	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,428Fees	0.080%Above	162
31	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,046Fees	0.110%Above	59
32	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,521Fees	0.382%Above	59
33	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$1,048Fees	0.383%Above	37
34	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,148Fees	0.243%Above	313
35	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,201Fees	0.314%Above	291
36	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,280Fees	0.350%Above	285
37	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,275Fees	0.386%Above	281
38	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,706Fees	0.566%Above	224
39	REGENT FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$2,369Fees	0.270%Above	216
40	American National BankBank	Strong	Sound	Sound	Sound	Exceptional	$1,635Fees	0.315%Above	184
41	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$911Fees	0.249%Above	158
42	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,721Fees	0.396%Above	141
43	DUNDEE BANKBank	Strong	Sound	Sound	Sound	Exceptional	$2,770Fees	0.202%Above	123
44	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,806Fees	0.544%Above	115
45	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,975Fees	0.357%Above	80
46	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,405Fees	0.159%Above	71
47	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,896Fees	0.485%Above	70
48	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$971Fees	0.223%Above	28
49	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$31Fees	0.236%Above	484
50	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,333Fees	0.277%Above	66

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.