Top Mortgage Lenders in the Lincoln, NE area

Which mortgage lender in the Lincoln, NE area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Lincoln, NE area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Lincoln, NE area is West Gate Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.11%. This means that West Gate Bank provided a -0.11% lower interest rate for its customers than other lenders in Lincoln, NE for a similar set of borrowers. West Gate Bank has a market share of 9.4%. On the other hand, the most popular lender in the market is Lincoln Federal Svgs Bk Of Ne, with a market share of 13.5%. Lincoln Federal Svgs Bk Of Ne is also a relatively cheap lender, with a “Rate Difference” of -0.10% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Lincoln, NE area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Lincoln, NE is West Gate Bank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is JPMorgan Chase Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Liberty First Credit Union. The cheapest VA mortgage provider is Pinnacle Bank – KMN. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
West Gate Bank 1, -0.11% 9.42%
Pinnacle Bank – KMN 2, -0.10% 6.82%
Lincoln Federal Svgs Bk Of Ne 3, -0.10% 13.52%
Prosperity Home Mortgage 4, -0.07% 1.00%
Liberty First Credit Union 5, -0.07% 8.33%
Cornhusker Bank 6, -0.04% 5.58%
Union Bank and Trust Company 7, -0.03% 12.57%
Great Western Bank 8, -0.03% 1.76%
Citizens Bank 9, -0.01% 1.35%
First National Bank Of Omaha 10, -0.01% 3.84%
First Bank 11, -0.00% 2.06%
Fairway Independent Mort Corp 12, 0.01% 0.60%
Gateway First Bank 13, 0.01% 0.73%
Synergy One Lending 14, 0.02% 0.57%
Navy Federal Credit Union 15, 0.03% 0.46%
US Home Mortgage, Inc 16, 0.04% 1.05%
JPMorgan Chase Bank 17, 0.05% 0.75%
DelMar Financial Company 18, 0.08% 0.91%
Flagstar Bank 19, 0.08% 1.17%
Bank Of The West 20, 0.09% 0.52%
United Fidelity Funding Corp 21, 0.09% 0.96%
Us Bank 22, 0.11% 4.53%
Usaa Federal Savings Bank 23, 0.11% 0.96%
Wells Fargo Bank 24, 0.13% 7.30%
LoanDepot 25, 0.13% 0.87%
Nationstar Mortgage 26, 0.15% 0.60%
Peoples Mortgage Company 27, 0.16% 2.89%
HomeServices Lending 28, 0.17% 1.06%
Paramount Residential Mortgage Group Inc 29, 0.18% 1.20%
Quicken Loans 30, 0.23% 6.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Lincoln Federal Svgs Bk Of Ne 1, -0.09% 15.92%
Prosperity Home Mortgage 2, -0.08% 1.70%
Pinnacle Bank – KMN 3, -0.08% 5.83%
West Gate Bank 4, -0.06% 9.51%
Liberty First Credit Union 5, -0.05% 8.15%
First National Bank Of Omaha 6, -0.02% 4.50%
Great Western Bank 7, -0.02% 1.59%
Cornhusker Bank 8, -0.02% 5.07%
Citizens Bank 9, -0.01% 1.02%
JPMorgan Chase Bank 10, -0.01% 0.47%
First Bank 11, -0.01% 2.46%
Fairway Independent Mort Corp 12, 0.00% 0.86%
Us Bank 13, 0.00% 4.36%
Union Bank and Trust Company 14, 0.01% 13.38%
LoanDepot 15, 0.02% 0.03%
US Home Mortgage, Inc 16, 0.02% 0.91%
Bank Of The West 17, 0.02% 0.44%
Navy Federal Credit Union 18, 0.03% 0.68%
Gateway First Bank 19, 0.03% 0.55%
Synergy One Lending 20, 0.04% 0.18%
Nationstar Mortgage 21, 0.06% 0.18%
Wells Fargo Bank 22, 0.08% 6.98%
DelMar Financial Company 23, 0.08% 1.36%
United Fidelity Funding Corp 24, 0.11% 1.02%
Flagstar Bank 25, 0.12% 1.41%
Usaa Federal Savings Bank 26, 0.13% 1.39%
Quicken Loans 27, 0.17% 1.88%
HomeServices Lending 28, 0.17% 1.83%
Peoples Mortgage Company 29, 0.17% 4.63%
Paramount Residential Mortgage Group Inc 30, 0.21% 1.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
West Gate Bank 1, -0.17% 9.29%
Lincoln Federal Svgs Bk Of Ne 2, -0.14% 10.31%
Pinnacle Bank – KMN 3, -0.13% 8.14%
Union Bank and Trust Company 4, -0.11% 11.50%
Liberty First Credit Union 5, -0.09% 8.56%
Cornhusker Bank 6, -0.07% 6.25%
Great Western Bank 7, -0.05% 1.99%
Flagstar Bank 8, -0.02% 0.84%
Citizens Bank 9, -0.01% 1.78%
Gateway First Bank 10, -0.00% 0.98%
First Bank 11, 0.00% 1.54%
First National Bank Of Omaha 12, 0.01% 2.97%
Navy Federal Credit Union 13, 0.02% 0.17%
Fairway Independent Mort Corp 14, 0.02% 0.24%
Usaa Federal Savings Bank 15, 0.02% 0.38%
Synergy One Lending 16, 0.02% 1.08%
HomeServices Lending 17, 0.04% 0.03%
DelMar Financial Company 18, 0.04% 0.31%
Prosperity Home Mortgage 19, 0.05% 0.07%
Peoples Mortgage Company 20, 0.06% 0.56%
Paramount Residential Mortgage Group Inc 21, 0.06% 0.52%
US Home Mortgage, Inc 22, 0.07% 1.22%
United Fidelity Funding Corp 23, 0.07% 0.87%
JPMorgan Chase Bank 24, 0.08% 1.12%
LoanDepot 25, 0.14% 1.99%
Bank Of The West 26, 0.15% 0.63%
Nationstar Mortgage 27, 0.17% 1.15%
Wells Fargo Bank 28, 0.19% 7.72%
Us Bank 29, 0.23% 4.75%
Quicken Loans 30, 0.24% 13.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
West Gate Bank 1, -0.11% 10.37%
Pinnacle Bank – KMN 2, -0.11% 7.65%
Lincoln Federal Svgs Bk Of Ne 3, -0.10% 12.70%
Prosperity Home Mortgage 4, -0.09% 0.84%
Cornhusker Bank 5, -0.04% 6.67%
Union Bank and Trust Company 6, -0.04% 14.13%
Great Western Bank 7, -0.04% 1.93%
Liberty First Credit Union 8, -0.03% 7.59%
Citizens Bank 9, -0.02% 1.49%
First Bank 10, -0.01% 1.93%
First National Bank Of Omaha 11, -0.01% 3.92%
Fairway Independent Mort Corp 12, -0.00% 0.56%
Synergy One Lending 13, 0.02% 0.54%
Gateway First Bank 14, 0.02% 0.62%
US Home Mortgage, Inc 15, 0.04% 1.18%
JPMorgan Chase Bank 16, 0.05% 0.84%
United Fidelity Funding Corp 17, 0.06% 0.36%
DelMar Financial Company 18, 0.07% 0.78%
Flagstar Bank 19, 0.08% 0.80%
Bank Of The West 20, 0.09% 0.60%
Usaa Federal Savings Bank 21, 0.10% 0.40%
Us Bank 22, 0.11% 5.19%
Wells Fargo Bank 23, 0.13% 8.46%
Navy Federal Credit Union 24, 0.15% 0.20%
LoanDepot 25, 0.18% 0.67%
Peoples Mortgage Company 26, 0.19% 2.40%
HomeServices Lending 27, 0.19% 1.05%
Nationstar Mortgage 28, 0.20% 0.35%
Paramount Residential Mortgage Group Inc 29, 0.20% 0.85%
Quicken Loans 30, 0.31% 4.94%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Prosperity Home Mortgage 1, -0.10% 1.44%
Lincoln Federal Svgs Bk Of Ne 2, -0.08% 14.51%
Pinnacle Bank – KMN 3, -0.08% 6.73%
West Gate Bank 4, -0.06% 10.44%
First National Bank Of Omaha 5, -0.03% 4.66%
Great Western Bank 6, -0.02% 1.67%
Cornhusker Bank 7, -0.02% 6.17%
Citizens Bank 8, -0.02% 1.12%
First Bank 9, -0.02% 2.40%
JPMorgan Chase Bank 10, -0.02% 0.56%
Fairway Independent Mort Corp 11, -0.01% 0.82%
Us Bank 12, -0.00% 5.12%
Liberty First Credit Union 13, 0.01% 7.06%
Union Bank and Trust Company 14, 0.01% 14.94%
LoanDepot 15, 0.02% 0.03%
US Home Mortgage, Inc 16, 0.02% 1.02%
Bank Of The West 17, 0.02% 0.49%
Synergy One Lending 18, 0.03% 0.13%
Gateway First Bank 19, 0.04% 0.53%
United Fidelity Funding Corp 20, 0.05% 0.36%
Nationstar Mortgage 21, 0.06% 0.13%
DelMar Financial Company 22, 0.07% 1.18%
Wells Fargo Bank 23, 0.08% 8.17%
Usaa Federal Savings Bank 24, 0.11% 0.59%
Flagstar Bank 25, 0.13% 0.92%
Navy Federal Credit Union 26, 0.15% 0.33%
HomeServices Lending 27, 0.19% 1.87%
Peoples Mortgage Company 28, 0.19% 3.97%
Quicken Loans 29, 0.21% 1.35%
Paramount Residential Mortgage Group Inc 30, 0.22% 1.28%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
West Gate Bank 1, -0.18% 10.28%
Lincoln Federal Svgs Bk Of Ne 2, -0.14% 10.45%
Pinnacle Bank – KMN 3, -0.13% 8.78%
Union Bank and Trust Company 4, -0.11% 13.13%
Liberty First Credit Union 5, -0.07% 8.25%
Cornhusker Bank 6, -0.07% 7.28%
Great Western Bank 7, -0.05% 2.24%
Flagstar Bank 8, -0.01% 0.65%
Citizens Bank 9, -0.01% 1.95%
First Bank 10, -0.00% 1.34%
Gateway First Bank 11, 0.00% 0.73%
First National Bank Of Omaha 12, 0.02% 3.01%
Fairway Independent Mort Corp 13, 0.02% 0.24%
Usaa Federal Savings Bank 14, 0.02% 0.16%
Synergy One Lending 15, 0.02% 1.06%
HomeServices Lending 16, 0.04% 0.04%
DelMar Financial Company 17, 0.05% 0.28%
Prosperity Home Mortgage 18, 0.05% 0.08%
Navy Federal Credit Union 19, 0.06% 0.04%
United Fidelity Funding Corp 20, 0.06% 0.37%
US Home Mortgage, Inc 21, 0.07% 1.38%
Paramount Residential Mortgage Group Inc 22, 0.07% 0.33%
Peoples Mortgage Company 23, 0.07% 0.45%
JPMorgan Chase Bank 24, 0.09% 1.18%
Bank Of The West 25, 0.15% 0.73%
LoanDepot 26, 0.19% 1.46%
Wells Fargo Bank 27, 0.19% 8.82%
Nationstar Mortgage 28, 0.24% 0.61%
Us Bank 29, 0.24% 5.28%
Quicken Loans 30, 0.33% 9.39%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Liberty First Credit Union 1, -0.20% 14.75%
Lincoln Federal Svgs Bk Of Ne 2, -0.10% 18.26%
West Gate Bank 3, -0.08% 3.65%
Prosperity Home Mortgage 4, -0.02% 1.26%
First National Bank Of Omaha 5, -0.01% 4.07%
Pinnacle Bank – KMN 6, -0.00% 2.25%
Great Western Bank 7, 0.01% 1.26%
Citizens Bank 8, 0.01% 0.84%
Gateway First Bank 9, 0.02% 0.98%
Bank Of The West 10, 0.03% 0.14%
First Bank 11, 0.03% 2.81%
Union Bank and Trust Company 12, 0.04% 6.18%
Cornhusker Bank 13, 0.05% 0.14%
Fairway Independent Mort Corp 14, 0.05% 0.70%
Synergy One Lending 15, 0.06% 0.56%
Us Bank 16, 0.08% 0.98%
Quicken Loans 17, 0.08% 16.43%
LoanDepot 18, 0.09% 0.84%
HomeServices Lending 19, 0.09% 1.12%
DelMar Financial Company 20, 0.12% 1.97%
Nationstar Mortgage 21, 0.12% 2.25%
Peoples Mortgage Company 22, 0.13% 6.04%
United Fidelity Funding Corp 23, 0.13% 5.48%
Flagstar Bank 24, 0.15% 2.81%
Paramount Residential Mortgage Group Inc 25, 0.17% 4.21%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Liberty First Credit Union 1, -0.19% 15.58%
Lincoln Federal Svgs Bk Of Ne 2, -0.10% 23.47%
West Gate Bank 3, -0.08% 4.73%
Prosperity Home Mortgage 4, -0.01% 1.78%
First National Bank Of Omaha 5, -0.00% 4.73%
Pinnacle Bank – KMN 6, 0.00% 2.37%
Gateway First Bank 7, 0.02% 0.79%
Citizens Bank 8, 0.02% 0.79%
Great Western Bank 9, 0.02% 1.58%
Bank Of The West 10, 0.04% 0.20%
First Bank 11, 0.05% 3.16%
Union Bank and Trust Company 12, 0.05% 8.09%
Cornhusker Bank 13, 0.06% 0.20%
Fairway Independent Mort Corp 14, 0.07% 0.79%
Nationstar Mortgage 15, 0.07% 0.20%
Synergy One Lending 16, 0.08% 0.39%
Us Bank 17, 0.09% 1.38%
HomeServices Lending 18, 0.10% 1.58%
DelMar Financial Company 19, 0.14% 2.56%
Quicken Loans 20, 0.14% 4.34%
Peoples Mortgage Company 21, 0.14% 7.89%
Flagstar Bank 22, 0.16% 3.75%
United Fidelity Funding Corp 23, 0.16% 4.93%
Paramount Residential Mortgage Group Inc 24, 0.21% 4.73%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Liberty First Credit Union 1, -0.22% 12.68%
Lincoln Federal Svgs Bk Of Ne 2, -0.05% 5.37%
First National Bank Of Omaha 3, -0.02% 2.44%
First Bank 4, -0.02% 1.95%
Pinnacle Bank – KMN 5, -0.02% 1.95%
West Gate Bank 6, -0.01% 0.98%
Peoples Mortgage Company 7, -0.01% 1.46%
Great Western Bank 8, -0.01% 0.49%
Citizens Bank 9, -0.00% 0.98%
Union Bank and Trust Company 10, 0.00% 1.46%
Flagstar Bank 11, 0.01% 0.49%
Fairway Independent Mort Corp 12, 0.01% 0.49%
Gateway First Bank 13, 0.02% 1.46%
DelMar Financial Company 14, 0.02% 0.49%
Synergy One Lending 15, 0.02% 0.98%
Paramount Residential Mortgage Group Inc 16, 0.02% 2.93%
Quicken Loans 17, 0.04% 46.34%
United Fidelity Funding Corp 18, 0.06% 6.83%
LoanDepot 19, 0.06% 2.93%
Nationstar Mortgage 20, 0.10% 7.32%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
JPMorgan Chase Bank 1, -0.01% 12.50%
Wells Fargo Bank 2, -0.01% 41.67%
West Gate Bank 3, -0.01% 4.17%
Quicken Loans 4, -0.00% 4.17%
Liberty First Credit Union 5, 0.00% 8.33%
Lincoln Federal Svgs Bk Of Ne 6, 0.01% 8.33%
Union Bank and Trust Company 7, 0.01% 8.33%
Us Bank 8, 0.03% 12.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
West Gate Bank 1, -0.01% 8.33%
Wells Fargo Bank 2, -0.00% 50.00%
Liberty First Credit Union 3, 0.00% 8.33%
Lincoln Federal Svgs Bk Of Ne 4, 0.00% 16.67%
Union Bank and Trust Company 5, 0.01% 16.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 33.33%
JPMorgan Chase Bank 2, -0.01% 25.00%
Liberty First Credit Union 3, 0.00% 8.33%
Quicken Loans 4, 0.00% 8.33%
Us Bank 5, 0.04% 25.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pinnacle Bank – KMN 1, -0.09% 4.26%
Liberty First Credit Union 2, -0.08% 7.17%
Lincoln Federal Svgs Bk Of Ne 3, -0.08% 16.37%
West Gate Bank 4, -0.08% 7.17%
Prosperity Home Mortgage 5, -0.07% 2.69%
Navy Federal Credit Union 6, -0.05% 4.48%
Gateway First Bank 7, -0.05% 1.79%
Cornhusker Bank 8, -0.03% 1.12%
First National Bank Of Omaha 9, -0.02% 2.69%
Flagstar Bank 10, -0.01% 3.14%
Citizens Bank 11, -0.01% 0.45%
United Fidelity Funding Corp 12, -0.01% 1.12%
Bank Of The West 13, -0.00% 0.22%
Great Western Bank 14, -0.00% 0.67%
First Bank 15, 0.00% 2.69%
Union Bank and Trust Company 16, 0.00% 3.81%
Us Bank 17, 0.01% 1.57%
US Home Mortgage, Inc 18, 0.01% 1.12%
Fairway Independent Mort Corp 19, 0.01% 0.90%
JPMorgan Chase Bank 20, 0.02% 0.22%
Paramount Residential Mortgage Group Inc 21, 0.02% 0.67%
LoanDepot 22, 0.02% 3.36%
Synergy One Lending 23, 0.02% 0.90%
DelMar Financial Company 24, 0.03% 0.90%
HomeServices Lending 25, 0.04% 1.12%
Nationstar Mortgage 26, 0.06% 1.12%
Peoples Mortgage Company 27, 0.06% 4.04%
Wells Fargo Bank 28, 0.07% 2.69%
Usaa Federal Savings Bank 29, 0.10% 9.42%
Quicken Loans 30, 0.15% 12.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
West Gate Bank 1, -0.08% 8.05%
Prosperity Home Mortgage 2, -0.07% 4.60%
Lincoln Federal Svgs Bk Of Ne 3, -0.07% 17.62%
Pinnacle Bank – KMN 4, -0.06% 2.30%
Navy Federal Credit Union 5, -0.06% 6.13%
Liberty First Credit Union 6, -0.06% 6.51%
Cornhusker Bank 7, -0.02% 1.92%
First National Bank Of Omaha 8, -0.02% 2.30%
Us Bank 9, -0.01% 1.53%
Citizens Bank 10, -0.00% 0.38%
First Bank 11, 0.00% 1.92%
Gateway First Bank 12, 0.00% 0.38%
Bank Of The West 13, 0.00% 0.38%
United Fidelity Funding Corp 14, 0.00% 1.15%
Great Western Bank 15, 0.01% 0.77%
Union Bank and Trust Company 16, 0.01% 5.36%
US Home Mortgage, Inc 17, 0.02% 1.53%
Paramount Residential Mortgage Group Inc 18, 0.02% 0.77%
Fairway Independent Mort Corp 19, 0.02% 1.53%
JPMorgan Chase Bank 20, 0.02% 0.38%
Synergy One Lending 21, 0.02% 0.38%
Flagstar Bank 22, 0.03% 2.68%
DelMar Financial Company 23, 0.05% 1.15%
HomeServices Lending 24, 0.05% 1.92%
Nationstar Mortgage 25, 0.05% 0.77%
Quicken Loans 26, 0.06% 3.45%
Peoples Mortgage Company 27, 0.07% 6.13%
Wells Fargo Bank 28, 0.08% 4.60%
Usaa Federal Savings Bank 29, 0.12% 13.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Liberty First Credit Union 1, -0.12% 8.11%
Pinnacle Bank – KMN 2, -0.11% 7.03%
Lincoln Federal Svgs Bk Of Ne 3, -0.10% 14.59%
West Gate Bank 4, -0.08% 5.95%
Gateway First Bank 5, -0.06% 3.78%
Flagstar Bank 6, -0.06% 3.78%
Navy Federal Credit Union 7, -0.03% 2.16%
First National Bank Of Omaha 8, -0.02% 3.24%
Great Western Bank 9, -0.02% 0.54%
United Fidelity Funding Corp 10, -0.02% 1.08%
Citizens Bank 11, -0.01% 0.54%
Usaa Federal Savings Bank 12, -0.01% 3.78%
First Bank 13, -0.00% 3.78%
Union Bank and Trust Company 14, 0.00% 1.62%
DelMar Financial Company 15, 0.00% 0.54%
US Home Mortgage, Inc 16, 0.01% 0.54%
LoanDepot 17, 0.01% 8.11%
Peoples Mortgage Company 18, 0.01% 1.08%
Synergy One Lending 19, 0.02% 1.62%
Paramount Residential Mortgage Group Inc 20, 0.02% 0.54%
Us Bank 21, 0.04% 1.62%
Nationstar Mortgage 22, 0.05% 1.62%
Quicken Loans 23, 0.16% 24.32%

* Data is compiled for the Lincoln, NE commuting zone area, which comprises of counties of Gage County, NE, Jefferson County, NE, Johnson County, NE, Lancaster County, NE, Nemaha County, NE, Otoe County, NE, Saline County, NE, and Seward County, NE. This includes cities/towns/communities of Lincoln, NE as well as Hickman, NE, Waverly, NE, Beatrice, NE, Seward, NE, Hallam, NE, Malcolm, NE, Crete, NE, Utica, NE, Milford, NE, Nebraska City, NE, Palmyra, NE, Fairbury, NE, Auburn, NE, Cortland, NE, Adams, NE, Wilber, NE, Friend, NE, Syracuse, NE, Talmage, NE, Plymouth, NE, Peru, NE, Wymore, NE, Sterling, NE, Tecumseh, NE, and Western, NE. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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