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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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $125 | -0.232% | 506 | |
2 | Pinnacle Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,087 | -0.066% | 251 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,666 | +0.202% | 510 | |
4 | Access Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,454 | +0.132% | 324 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $673 | -0.509% | 133 | |
6 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $474 | -0.294% | 45 | |
7 | First National Bank of Omaha | Exceptional | Strong | Strong | Strong | Exceptional | $1,199 | +0.180% | 850 | |
8 | CHARTER WEST BANK | Exceptional | Strong | Strong | Strong | Exceptional | $1,344 | +0.290% | 750 | |
9 | WEST GATE BANK | Exceptional | Strong | Strong | Strong | Exceptional | $970 | -0.130% | 429 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,004 | +0.302% | 363 | |
11 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,280 | +0.350% | 285 | |
12 | Core Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,066 | +0.131% | 263 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $887 | +0.169% | 253 | |
14 | Arbor Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $833 | +0.089% | 187 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,428 | +0.080% | 162 | |
16 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $911 | +0.249% | 158 | |
17 | Union Bank and Trust Company | Exceptional | Exceptional | Sound | Strong | Strong | $977 | -0.101% | 134 | |
18 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,806 | +0.544% | 115 | |
19 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $1,283 | +0.396% | 88 | |
20 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,201 | +0.314% | 291 | |
21 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,247 | +0.145% | 130 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,808 | +0.387% | 682 | |
23 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,721 | +0.396% | 141 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,081 | +0.101% | 124 | |
25 | Cobalt Credit Union | Strong | Exceptional | Sound | Acceptable | Strong | $556 | +0.054% | 96 | |
26 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,975 | +0.357% | 80 | |
27 | Gateway First Bank | Strong | Sound | Exceptional | Strong | Strong | $1,405 | +0.159% | 71 | |
28 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,333 | +0.277% | 66 | |
29 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,344 | -0.210% | 53 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $31 | +0.236% | 484 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,275 | +0.386% | 281 | |
32 | American National Bank | Strong | Sound | Sound | Strong | Exceptional | $1,635 | +0.315% | 184 | |
33 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,561 | +0.288% | 131 | |
34 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,521 | +0.382% | 59 | |
35 | LoanUnited.com, LLC | Strong | Sound | Exceptional | Sound | Strong | $570 | +0.182% | 59 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,148 | +0.243% | 313 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,706 | +0.566% | 224 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,896 | +0.485% | 70 | |
39 | REGENT FINANCIAL GROUP, INC. | Strong | Mediocre | Strong | Exceptional | Exceptional | $2,369 | +0.270% | 216 | |
40 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,922 | +0.464% | 127 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,255 | +0.331% | 59 | |
42 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Strong | Strong | Exceptional | $3,058 | +0.475% | 270 | |
43 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Strong | $2,288 | +0.897% | 94 | |
44 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,405 | +0.296% | 58 | |
45 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,796 | +0.598% | 45 |
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.
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