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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 Lenders in Omaha

Updated February 5, 2026

Market Overview

101

Total Lenders

12,217

Total Loans

0.22%

Median Rate Spread

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

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