Top Mortgage Lenders in Omaha, NE

Which mortgage lender in the Omaha, NE area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Omaha, NE area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Omaha, NE area in terms of interest rate is Veridian Credit Union, with an average “Rate Difference” of -0.38%. This means that, comparing similar borrowers, Veridian Credit Union provided a -0.38% lower interest rate for its customers than other lenders in the area. Veridian Credit Union has a market share of 3.4%. On the other hand, the most popular lender in the Omaha, NE area is First National Bank of Omaha, with a larger market share of 14.6%. First National Bank of Omaha is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.07% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Omaha, 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, going by historical data, the cheapest lender for Conventional mortgages in Omaha, NE is Veridian Credit Union. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is First National Bank of Omaha. The cheapest VA mortgage provider is Veridian Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Omaha, NE

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.38%(5.0)3.43%
Pinnacle Bank – KMN-0.13%(4.0)2.36%
Iowa Bankers Mortgage Corporation-0.12%(4.0)0.41%
Central National Bank-0.12%(4.0)0.57%
Metro Credit Union Mortgage-0.11%(4.0)0.94%
Core Bank-0.10%(4.0)4.52%
Gateway First Bank-0.09%(4.0)2.23%
Prosperity Home Mortgage LLC-0.09%(4.0)0.35%
Union Bank and Trust-0.09%(4.0)1.36%
West Gate Bank-0.08%(4.0)3.61%
Lincoln Federal Savings Bank-0.08%(4.0)0.85%
First National Bank of Omaha-0.07%(4.0)14.64%
First Bank MO-0.06%(4.0)1.90%
Access Bank-0.04%(3.5)2.31%
Centris Federal Credit Union-0.04%(3.5)3.63%
Cobalt Credit Union-0.04%(3.5)2.18%
Churchill Mortgage-0.03%(3.5)1.00%
Caliber Home Loans-0.03%(3.5)1.81%
Great Western Bank-0.02%(3.5)0.92%
Amerisave Mortgage Corporation-0.01%(3.5)0.33%
Cornhusker Bank-0.00%(3.5)0.18%
North American Savings Bank-0.00%(3.5)0.17%
Bank of America0.00%(3.5)0.27%
Fairway Independent Mortgage Corporation0.00%(3.5)0.88%
Northwest Bank IA0.01%(3.5)0.57%
Home Point Financial Corporation0.01%(3.5)0.59%
NBKC Bank0.01%(3.5)0.23%
Synergy One Lending0.01%(3.5)1.10%
Navy Federal Credit Union0.02%(3.5)0.94%
US Bank0.02%(3.5)5.18%
Keller Mortgage0.02%(3.5)0.20%
State Farm Bank0.02%(3.5)0.20%
JPMorgan Chase Bank0.03%(3.5)0.42%
Wells Fargo Bank0.03%(3.5)6.09%
Gershman Mortgage0.03%(3.5)0.45%
Movement Mortgage0.03%(3.5)0.29%
Carrington Mortgage Services0.03%(3.5)0.35%
DelMar Financial Company0.03%(3.5)1.24%
Mid America Mortgage0.03%(3.5)0.46%
Bank in San Ramon0.04%(3.5)0.71%
Flagstar Bank0.04%(3.5)1.72%
PennyMac Loan Services0.05%(3.0)0.63%
HomeServices Lending0.06%(3.0)0.28%
Charter West Bank0.07%(3.0)0.51%
CMG Financial0.07%(3.0)1.56%
Guild Mortgage Company0.07%(3.0)2.01%
Chickasaw Community Bank0.07%(3.0)0.68%
American National Bank0.08%(3.0)2.90%
Regent Financial Group0.08%(3.0)2.94%
Plains Commerce Bank0.11%(3.0)0.38%
Peoples Mortgage0.13%(3.0)0.94%
Freedom Mortgage Corporation0.15%(3.0)0.27%
The Federal Savings Bank0.20%(2.5)0.32%
Castle & Cooke Mortgage0.21%(2.5)1.10%
Quicken Loans0.22%(2.5)7.23%
New American Funding0.26%(2.0)0.89%
Mr. Cooper0.27%(2.0)0.66%
NewDay USA0.47%(1.0)0.24%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.34%(5.0)3.19%
Central National Bank-0.10%(4.0)0.57%
Prosperity Home Mortgage LLC-0.09%(4.0)0.51%
Great Western Bank-0.08%(4.0)0.84%
Core Bank-0.08%(4.0)4.65%
First National Bank of Omaha-0.08%(4.0)16.06%
Pinnacle Bank – KMN-0.07%(4.0)2.18%
Metro Credit Union Mortgage-0.06%(4.0)0.91%
Gateway First Bank-0.05%(4.0)2.10%
Lincoln Federal Savings Bank-0.05%(4.0)0.94%
Iowa Bankers Mortgage Corporation-0.05%(3.5)0.33%
US Bank-0.05%(3.5)4.85%
First Bank MO-0.04%(3.5)2.28%
Union Bank and Trust-0.04%(3.5)1.28%
Churchill Mortgage-0.04%(3.5)0.98%
JPMorgan Chase Bank-0.03%(3.5)0.28%
Access Bank-0.03%(3.5)2.77%
West Gate Bank-0.03%(3.5)3.41%
Wells Fargo Bank-0.03%(3.5)6.19%
Cobalt Credit Union-0.03%(3.5)2.94%
Caliber Home Loans-0.02%(3.5)1.89%
Bank of America-0.01%(3.5)0.22%
North American Savings Bank-0.00%(3.5)0.14%
Northwest Bank IA0.01%(3.5)0.55%
Fairway Independent Mortgage Corporation0.01%(3.5)1.03%
Centris Federal Credit Union0.01%(3.5)2.73%
Synergy One Lending0.02%(3.5)0.85%
Mid America Mortgage0.02%(3.5)0.58%
Cornhusker Bank0.02%(3.5)0.18%
Freedom Mortgage Corporation0.02%(3.5)0.02%
NewDay USA0.02%(3.5)0.02%
Bank in San Ramon0.02%(3.5)0.73%
Home Point Financial Corporation0.03%(3.5)0.57%
NBKC Bank0.03%(3.5)0.22%
Keller Mortgage0.03%(3.5)0.30%
Navy Federal Credit Union0.03%(3.5)1.29%
State Farm Bank0.03%(3.5)0.12%
Amerisave Mortgage Corporation0.04%(3.5)0.02%
Gershman Mortgage0.04%(3.5)0.55%
Carrington Mortgage Services0.06%(3.0)0.04%
Movement Mortgage0.06%(3.0)0.35%
DelMar Financial Company0.06%(3.0)1.54%
American National Bank0.06%(3.0)3.72%
PennyMac Loan Services0.06%(3.0)0.46%
HomeServices Lending0.07%(3.0)0.45%
Charter West Bank0.08%(3.0)0.83%
Mr. Cooper0.10%(3.0)0.13%
Flagstar Bank0.10%(3.0)1.74%
Chickasaw Community Bank0.10%(3.0)0.86%
CMG Financial0.11%(3.0)1.78%
Regent Financial Group0.11%(3.0)4.13%
Guild Mortgage Company0.12%(3.0)2.26%
Plains Commerce Bank0.13%(3.0)0.49%
Peoples Mortgage0.15%(2.5)1.38%
Quicken Loans0.20%(2.5)2.98%
Castle & Cooke Mortgage0.29%(2.0)1.27%
New American Funding0.31%(2.0)1.15%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.43%(5.0)3.82%
Pinnacle Bank – KMN-0.21%(4.5)2.63%
Metro Credit Union Mortgage-0.20%(4.5)0.99%
Iowa Bankers Mortgage Corporation-0.20%(4.5)0.55%
Gateway First Bank-0.15%(4.5)2.43%
West Gate Bank-0.15%(4.0)3.93%
Central National Bank-0.15%(4.0)0.58%
Union Bank and Trust-0.15%(4.0)1.50%
Core Bank-0.14%(4.0)4.30%
Lincoln Federal Savings Bank-0.13%(4.0)0.69%
Centris Federal Credit Union-0.10%(4.0)5.06%
First Bank MO-0.08%(4.0)1.29%
Regent Financial Group-0.08%(4.0)1.05%
Access Bank-0.07%(4.0)1.57%
Cobalt Credit Union-0.06%(4.0)0.96%
Flagstar Bank-0.05%(4.0)1.70%
Caliber Home Loans-0.04%(3.5)1.68%
Cornhusker Bank-0.04%(3.5)0.18%
Navy Federal Credit Union-0.04%(3.5)0.38%
DelMar Financial Company-0.04%(3.5)0.78%
Guild Mortgage Company-0.04%(3.5)1.61%
First National Bank of Omaha-0.04%(3.5)12.38%
Movement Mortgage-0.03%(3.5)0.21%
Amerisave Mortgage Corporation-0.02%(3.5)0.82%
Home Point Financial Corporation-0.02%(3.5)0.64%
NBKC Bank-0.02%(3.5)0.24%
Churchill Mortgage-0.02%(3.5)1.03%
CMG Financial-0.02%(3.5)1.22%
Chickasaw Community Bank-0.01%(3.5)0.38%
Prosperity Home Mortgage LLC-0.01%(3.5)0.10%
HomeServices Lending-0.01%(3.5)0.01%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.64%
Gershman Mortgage-0.01%(3.5)0.28%
Keller Mortgage-0.01%(3.5)0.04%
North American Savings Bank-0.00%(3.5)0.21%
Northwest Bank IA0.00%(3.5)0.59%
Peoples Mortgage0.01%(3.5)0.25%
Bank of America0.01%(3.5)0.34%
Synergy One Lending0.01%(3.5)1.48%
Castle & Cooke Mortgage0.01%(3.5)0.82%
State Farm Bank0.01%(3.5)0.33%
Plains Commerce Bank0.02%(3.5)0.20%
Carrington Mortgage Services0.02%(3.5)0.85%
PennyMac Loan Services0.04%(3.5)0.90%
Great Western Bank0.05%(3.0)1.03%
JPMorgan Chase Bank0.06%(3.0)0.65%
Bank in San Ramon0.06%(3.0)0.68%
New American Funding0.08%(3.0)0.48%
Mid America Mortgage0.10%(3.0)0.28%
US Bank0.11%(3.0)5.70%
Wells Fargo Bank0.12%(3.0)5.94%
Freedom Mortgage Corporation0.14%(3.0)0.68%
American National Bank0.17%(2.5)1.58%
The Federal Savings Bank0.20%(2.5)0.82%
Quicken Loans0.22%(2.5)13.99%
Mr. Cooper0.28%(2.0)1.50%
NewDay USA0.48%(1.0)0.59%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.39%(5.0)4.36%
Pinnacle Bank – KMN-0.13%(4.0)2.92%
Central National Bank-0.13%(4.0)0.70%
Iowa Bankers Mortgage Corporation-0.12%(4.0)0.57%
Metro Credit Union Mortgage-0.11%(4.0)1.29%
Prosperity Home Mortgage LLC-0.11%(4.0)0.35%
Union Bank and Trust-0.09%(4.0)1.67%
Gateway First Bank-0.09%(4.0)1.89%
Lincoln Federal Savings Bank-0.08%(4.0)0.92%
Core Bank-0.08%(4.0)4.29%
West Gate Bank-0.08%(4.0)4.51%
Access Bank-0.04%(3.5)2.08%
Centris Federal Credit Union-0.04%(3.5)4.52%
First National Bank of Omaha-0.04%(3.5)16.23%
First Bank MO-0.03%(3.5)1.64%
Caliber Home Loans-0.02%(3.5)1.63%
Churchill Mortgage-0.02%(3.5)0.98%
Amerisave Mortgage Corporation-0.02%(3.5)0.28%
Great Western Bank-0.01%(3.5)1.07%
Cobalt Credit Union-0.01%(3.5)1.89%
DelMar Financial Company-0.01%(3.5)1.18%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.87%
Cornhusker Bank-0.00%(3.5)0.25%
Bank of America0.00%(3.5)0.35%
Northwest Bank IA0.00%(3.5)0.73%
Synergy One Lending0.01%(3.5)1.24%
The Federal Savings Bank0.01%(3.5)0.01%
NBKC Bank0.01%(3.5)0.13%
North American Savings Bank0.02%(3.5)0.10%
Chickasaw Community Bank0.02%(3.5)0.11%
US Bank0.02%(3.5)6.32%
State Farm Bank0.03%(3.5)0.26%
JPMorgan Chase Bank0.03%(3.5)0.51%
Wells Fargo Bank0.03%(3.5)7.75%
Home Point Financial Corporation0.04%(3.5)0.41%
Keller Mortgage0.04%(3.5)0.17%
Bank in San Ramon0.04%(3.5)0.88%
Movement Mortgage0.04%(3.5)0.27%
Gershman Mortgage0.05%(3.5)0.38%
Regent Financial Group0.05%(3.5)2.47%
Carrington Mortgage Services0.06%(3.0)0.07%
Charter West Bank0.08%(3.0)0.21%
HomeServices Lending0.08%(3.0)0.23%
CMG Financial0.09%(3.0)1.12%
Mid America Mortgage0.10%(3.0)0.26%
Guild Mortgage Company0.10%(3.0)1.70%
Plains Commerce Bank0.10%(3.0)0.39%
Flagstar Bank0.11%(3.0)1.13%
PennyMac Loan Services0.11%(3.0)0.42%
American National Bank0.12%(3.0)2.72%
Peoples Mortgage0.17%(2.5)0.96%
Castle & Cooke Mortgage0.20%(2.5)0.60%
Freedom Mortgage Corporation0.21%(2.5)0.11%
Navy Federal Credit Union0.28%(2.0)0.41%
New American Funding0.28%(2.0)0.85%
Quicken Loans0.29%(2.0)6.50%
Mr. Cooper0.40%(1.5)0.46%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.35%(5.0)4.18%
Central National Bank-0.12%(4.0)0.68%
Prosperity Home Mortgage LLC-0.11%(4.0)0.53%
Great Western Bank-0.09%(4.0)0.92%
Pinnacle Bank – KMN-0.07%(4.0)2.69%
Metro Credit Union Mortgage-0.06%(4.0)1.29%
First National Bank of Omaha-0.06%(4.0)17.91%
US Bank-0.05%(4.0)5.81%
Lincoln Federal Savings Bank-0.05%(4.0)1.05%
Iowa Bankers Mortgage Corporation-0.05%(3.5)0.45%
Union Bank and Trust-0.05%(3.5)1.48%
Core Bank-0.05%(3.5)4.32%
Gateway First Bank-0.04%(3.5)1.87%
JPMorgan Chase Bank-0.04%(3.5)0.37%
Wells Fargo Bank-0.03%(3.5)7.83%
Churchill Mortgage-0.03%(3.5)0.87%
Access Bank-0.02%(3.5)2.32%
Caliber Home Loans-0.02%(3.5)1.73%
West Gate Bank-0.02%(3.5)4.21%
Bank of America-0.01%(3.5)0.28%
First Bank MO-0.01%(3.5)1.96%
Fairway Independent Mortgage Corporation0.00%(3.5)1.06%
Cobalt Credit Union0.01%(3.5)2.61%
Northwest Bank IA0.01%(3.5)0.71%
DelMar Financial Company0.01%(3.5)1.40%
Synergy One Lending0.02%(3.5)1.02%
Cornhusker Bank0.02%(3.5)0.25%
Bank in San Ramon0.02%(3.5)0.93%
Chickasaw Community Bank0.02%(3.5)0.15%
North American Savings Bank0.03%(3.5)0.06%
Centris Federal Credit Union0.03%(3.5)3.31%
State Farm Bank0.03%(3.5)0.16%
NBKC Bank0.04%(3.5)0.13%
Keller Mortgage0.05%(3.5)0.27%
Mr. Cooper0.06%(3.0)0.06%
Home Point Financial Corporation0.06%(3.0)0.43%
Gershman Mortgage0.06%(3.0)0.49%
Movement Mortgage0.07%(3.0)0.34%
Mid America Mortgage0.07%(3.0)0.25%
Regent Financial Group0.08%(3.0)3.44%
Charter West Bank0.08%(3.0)0.35%
American National Bank0.09%(3.0)3.52%
HomeServices Lending0.09%(3.0)0.38%
PennyMac Loan Services0.10%(3.0)0.39%
Plains Commerce Bank0.13%(3.0)0.53%
CMG Financial0.14%(3.0)1.26%
Flagstar Bank0.16%(2.5)1.24%
Guild Mortgage Company0.16%(2.5)2.10%
Peoples Mortgage0.20%(2.5)1.43%
Quicken Loans0.26%(2.0)2.67%
Castle & Cooke Mortgage0.28%(2.0)0.69%
New American Funding0.33%(2.0)1.15%
Navy Federal Credit Union0.34%(2.0)0.58%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.45%(5.0)4.63%
Pinnacle Bank – KMN-0.22%(4.5)3.26%
Metro Credit Union Mortgage-0.20%(4.5)1.29%
Iowa Bankers Mortgage Corporation-0.19%(4.5)0.73%
Gateway First Bank-0.16%(4.5)1.91%
Central National Bank-0.15%(4.5)0.73%
West Gate Bank-0.15%(4.5)4.97%
Union Bank and Trust-0.15%(4.0)1.95%
Lincoln Federal Savings Bank-0.15%(4.0)0.73%
Core Bank-0.13%(4.0)4.24%
Centris Federal Credit Union-0.10%(4.0)6.32%
Regent Financial Group-0.09%(4.0)1.03%
Access Bank-0.09%(4.0)1.73%
First Bank MO-0.08%(4.0)1.16%
Cobalt Credit Union-0.06%(4.0)0.83%
Guild Mortgage Company-0.06%(4.0)1.11%
DelMar Financial Company-0.04%(3.5)0.84%
Navy Federal Credit Union-0.04%(3.5)0.15%
Cornhusker Bank-0.04%(3.5)0.24%
Caliber Home Loans-0.03%(3.5)1.48%
Movement Mortgage-0.03%(3.5)0.17%
Amerisave Mortgage Corporation-0.02%(3.5)0.69%
CMG Financial-0.02%(3.5)0.90%
Fairway Independent Mortgage Corporation-0.02%(3.5)0.58%
NBKC Bank-0.02%(3.5)0.13%
Churchill Mortgage-0.01%(3.5)1.14%
Prosperity Home Mortgage LLC-0.01%(3.5)0.09%
Home Point Financial Corporation-0.01%(3.5)0.38%
First National Bank of Omaha-0.01%(3.5)13.73%
HomeServices Lending-0.01%(3.5)0.02%
Gershman Mortgage-0.01%(3.5)0.23%
Keller Mortgage-0.00%(3.5)0.04%
Synergy One Lending-0.00%(3.5)1.56%
Northwest Bank IA0.00%(3.5)0.77%
The Federal Savings Bank0.00%(3.5)0.02%
Bank of America0.01%(3.5)0.45%
Peoples Mortgage0.01%(3.5)0.26%
Flagstar Bank0.01%(3.5)0.98%
North American Savings Bank0.01%(3.5)0.15%
Plains Commerce Bank0.01%(3.5)0.19%
State Farm Bank0.02%(3.5)0.39%
Castle & Cooke Mortgage0.03%(3.5)0.47%
Chickasaw Community Bank0.03%(3.5)0.06%
Carrington Mortgage Services0.05%(3.0)0.17%
Great Western Bank0.06%(3.0)1.29%
JPMorgan Chase Bank0.07%(3.0)0.73%
Bank in San Ramon0.07%(3.0)0.81%
New American Funding0.10%(3.0)0.41%
US Bank0.12%(3.0)7.07%
PennyMac Loan Services0.13%(3.0)0.47%
Wells Fargo Bank0.13%(3.0)7.63%
Mid America Mortgage0.13%(3.0)0.28%
Freedom Mortgage Corporation0.20%(2.5)0.26%
American National Bank0.22%(2.5)1.54%
Quicken Loans0.29%(2.0)12.19%
Mr. Cooper0.42%(1.5)1.05%
Lender NameRate DifferenceRate RatingMarket Share
First National Bank of Omaha-0.20%(4.5)12.16%
Core Bank-0.17%(4.5)3.83%
Access Bank-0.09%(4.0)2.65%
Pinnacle Bank – KMN-0.09%(4.0)0.87%
Cobalt Credit Union-0.09%(4.0)3.28%
First Bank MO-0.09%(4.0)2.33%
Gateway First Bank-0.09%(4.0)3.28%
Centris Federal Credit Union-0.06%(4.0)1.62%
Churchill Mortgage-0.05%(4.0)0.95%
Caliber Home Loans-0.05%(4.0)2.37%
Union Bank and Trust-0.05%(4.0)0.71%
Lincoln Federal Savings Bank-0.05%(4.0)0.63%
Great Western Bank-0.05%(3.5)0.39%
Central National Bank-0.05%(3.5)0.36%
Prosperity Home Mortgage LLC-0.04%(3.5)0.36%
US Bank-0.03%(3.5)2.45%
Home Point Financial Corporation-0.03%(3.5)1.58%
Flagstar Bank-0.02%(3.5)1.90%
West Gate Bank-0.02%(3.5)0.55%
Mid America Mortgage-0.01%(3.5)1.30%
PennyMac Loan Services-0.01%(3.5)0.67%
Amerisave Mortgage Corporation-0.01%(3.5)0.51%
Wells Fargo Bank-0.01%(3.5)0.16%
American National Bank-0.00%(3.5)4.30%
Navy Federal Credit Union-0.00%(3.5)0.08%
North American Savings Bank0.00%(3.5)0.12%
Gershman Mortgage0.00%(3.5)0.95%
Keller Mortgage0.00%(3.5)0.20%
Synergy One Lending0.01%(3.5)0.75%
Peoples Mortgage0.01%(3.5)1.26%
JPMorgan Chase Bank0.02%(3.5)0.04%
Movement Mortgage0.02%(3.5)0.20%
Bank in San Ramon0.02%(3.5)0.24%
The Federal Savings Bank0.02%(3.5)0.04%
Carrington Mortgage Services0.03%(3.5)1.62%
HomeServices Lending0.03%(3.5)0.55%
Guild Mortgage Company0.03%(3.5)3.59%
NewDay USA0.03%(3.5)0.04%
Fairway Independent Mortgage Corporation0.04%(3.5)1.22%
CMG Financial0.04%(3.5)3.24%
Quicken Loans0.06%(3.0)13.15%
Charter West Bank0.07%(3.0)2.49%
Freedom Mortgage Corporation0.09%(3.0)0.43%
Chickasaw Community Bank0.11%(3.0)2.33%
Plains Commerce Bank0.13%(3.0)0.63%
Mr. Cooper0.15%(3.0)1.74%
DelMar Financial Company0.15%(2.5)1.94%
Regent Financial Group0.18%(2.5)5.37%
New American Funding0.24%(2.5)1.58%
Castle & Cooke Mortgage0.25%(2.5)3.44%
Lender NameRate DifferenceRate RatingMarket Share
First National Bank of Omaha-0.20%(4.5)13.76%
Core Bank-0.18%(4.5)4.69%
Gateway First Bank-0.10%(4.0)3.25%
Access Bank-0.10%(4.0)3.31%
Pinnacle Bank – KMN-0.09%(4.0)1.12%
First Bank MO-0.09%(4.0)2.67%
Cobalt Credit Union-0.09%(4.0)4.37%
Centris Federal Credit Union-0.07%(4.0)1.71%
Churchill Mortgage-0.06%(4.0)1.12%
Union Bank and Trust-0.06%(4.0)0.85%
Caliber Home Loans-0.05%(4.0)2.45%
Central National Bank-0.05%(3.5)0.43%
Lincoln Federal Savings Bank-0.05%(3.5)0.85%
Great Western Bank-0.04%(3.5)0.53%
Prosperity Home Mortgage LLC-0.04%(3.5)0.48%
US Bank-0.03%(3.5)3.15%
Flagstar Bank-0.02%(3.5)2.13%
Home Point Financial Corporation-0.02%(3.5)1.33%
West Gate Bank-0.02%(3.5)0.75%
PennyMac Loan Services-0.01%(3.5)0.59%
Mid America Mortgage-0.01%(3.5)1.71%
American National Bank-0.01%(3.5)5.23%
Wells Fargo Bank-0.00%(3.5)0.21%
Navy Federal Credit Union0.00%(3.5)0.05%
Keller Mortgage0.01%(3.5)0.27%
Gershman Mortgage0.01%(3.5)1.07%
North American Savings Bank0.01%(3.5)0.11%
Peoples Mortgage0.02%(3.5)1.60%
Bank in San Ramon0.02%(3.5)0.21%
Movement Mortgage0.02%(3.5)0.21%
Synergy One Lending0.02%(3.5)0.64%
HomeServices Lending0.03%(3.5)0.75%
Amerisave Mortgage Corporation0.04%(3.5)0.11%
Fairway Independent Mortgage Corporation0.04%(3.5)1.28%
Guild Mortgage Company0.05%(3.0)3.36%
Carrington Mortgage Services0.06%(3.0)0.21%
CMG Financial0.07%(3.0)3.36%
Charter West Bank0.07%(3.0)3.36%
Quicken Loans0.12%(3.0)4.91%
Chickasaw Community Bank0.12%(3.0)2.88%
Mr. Cooper0.12%(3.0)0.37%
Plains Commerce Bank0.15%(3.0)0.69%
DelMar Financial Company0.17%(2.5)2.40%
Regent Financial Group0.19%(2.5)6.83%
New American Funding0.28%(2.0)1.76%
Castle & Cooke Mortgage0.32%(2.0)3.57%
Lender NameRate DifferenceRate RatingMarket Share
First National Bank of Omaha-0.21%(4.5)7.61%
First Bank MO-0.08%(4.0)1.37%
Core Bank-0.08%(4.0)1.37%
Regent Financial Group-0.06%(4.0)1.22%
Caliber Home Loans-0.06%(4.0)2.13%
Gateway First Bank-0.04%(3.5)3.35%
Home Point Financial Corporation-0.04%(3.5)2.28%
CMG Financial-0.03%(3.5)2.89%
Amerisave Mortgage Corporation-0.03%(3.5)1.67%
Guild Mortgage Company-0.02%(3.5)4.26%
Churchill Mortgage-0.02%(3.5)0.46%
Access Bank-0.02%(3.5)0.76%
Synergy One Lending-0.02%(3.5)1.07%
Gershman Mortgage-0.02%(3.5)0.61%
Flagstar Bank-0.02%(3.5)1.22%
Centris Federal Credit Union-0.02%(3.5)1.37%
Central National Bank-0.02%(3.5)0.15%
Union Bank and Trust-0.01%(3.5)0.30%
North American Savings Bank-0.01%(3.5)0.15%
Navy Federal Credit Union-0.01%(3.5)0.15%
Pinnacle Bank – KMN-0.01%(3.5)0.15%
PennyMac Loan Services-0.01%(3.5)0.91%
Chickasaw Community Bank-0.01%(3.5)0.76%
Peoples Mortgage-0.00%(3.5)0.30%
Movement Mortgage-0.00%(3.5)0.15%
Cobalt Credit Union0.00%(3.5)0.15%
US Bank0.00%(3.5)0.46%
JPMorgan Chase Bank0.01%(3.5)0.15%
Mid America Mortgage0.01%(3.5)0.15%
Castle & Cooke Mortgage0.01%(3.5)3.04%
Bank in San Ramon0.01%(3.5)0.30%
The Federal Savings Bank0.01%(3.5)0.15%
Carrington Mortgage Services0.01%(3.5)5.63%
DelMar Financial Company0.01%(3.5)0.61%
NewDay USA0.02%(3.5)0.15%
Fairway Independent Mortgage Corporation0.02%(3.5)1.07%
Quicken Loans0.03%(3.5)36.68%
Plains Commerce Bank0.05%(3.0)0.46%
American National Bank0.07%(3.0)1.67%
New American Funding0.08%(3.0)1.07%
Freedom Mortgage Corporation0.08%(3.0)1.67%
Mr. Cooper0.14%(3.0)5.63%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.03%(3.5)31.78%
US Bank0.00%(3.5)22.48%
Centris Federal Credit Union0.00%(3.5)0.78%
Cobalt Credit Union0.01%(3.5)0.78%
Quicken Loans0.01%(3.5)1.55%
Keller Mortgage0.01%(3.5)0.78%
Peoples Mortgage0.01%(3.5)0.78%
Bank in San Ramon0.01%(3.5)1.55%
Access Bank0.01%(3.5)3.10%
Plains Commerce Bank0.01%(3.5)0.78%
Core Bank0.02%(3.5)4.65%
Navy Federal Credit Union0.02%(3.5)0.78%
West Gate Bank0.02%(3.5)2.33%
Guild Mortgage Company0.02%(3.5)1.55%
Fairway Independent Mortgage Corporation0.02%(3.5)0.78%
First National Bank of Omaha0.02%(3.5)5.43%
American National Bank0.02%(3.5)0.78%
CMG Financial0.02%(3.5)0.78%
Bank of America0.02%(3.5)1.55%
Synergy One Lending0.02%(3.5)0.78%
Caliber Home Loans0.02%(3.5)2.33%
Union Bank and Trust0.03%(3.5)0.78%
State Farm Bank0.03%(3.5)1.55%
Regent Financial Group0.03%(3.5)0.78%
Metro Credit Union Mortgage0.03%(3.5)0.78%
Movement Mortgage0.03%(3.5)0.78%
JPMorgan Chase Bank0.04%(3.5)6.20%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.03%(3.5)43.28%
US Bank0.00%(3.5)16.42%
Keller Mortgage0.01%(3.5)1.49%
West Gate Bank0.02%(3.5)1.49%
Bank in San Ramon0.02%(3.5)2.99%
Access Bank0.02%(3.5)4.48%
Navy Federal Credit Union0.02%(3.5)1.49%
Caliber Home Loans0.02%(3.5)2.99%
Fairway Independent Mortgage Corporation0.02%(3.5)1.49%
JPMorgan Chase Bank0.03%(3.5)2.99%
Guild Mortgage Company0.03%(3.5)1.49%
First National Bank of Omaha0.03%(3.5)8.96%
American National Bank0.03%(3.5)1.49%
Bank of America0.03%(3.5)2.99%
Union Bank and Trust0.03%(3.5)1.49%
Movement Mortgage0.04%(3.5)1.49%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.04%(3.5)19.35%
Centris Federal Credit Union-0.00%(3.5)1.61%
US Bank-0.00%(3.5)29.03%
Cobalt Credit Union-0.00%(3.5)1.61%
Quicken Loans0.00%(3.5)3.23%
Peoples Mortgage0.00%(3.5)1.61%
Access Bank0.00%(3.5)1.61%
Plains Commerce Bank0.01%(3.5)1.61%
First National Bank of Omaha0.01%(3.5)1.61%
Core Bank0.01%(3.5)9.68%
Guild Mortgage Company0.01%(3.5)1.61%
West Gate Bank0.01%(3.5)3.23%
CMG Financial0.02%(3.5)1.61%
Synergy One Lending0.02%(3.5)1.61%
State Farm Bank0.02%(3.5)3.23%
Regent Financial Group0.02%(3.5)1.61%
Metro Credit Union Mortgage0.02%(3.5)1.61%
Caliber Home Loans0.03%(3.5)1.61%
JPMorgan Chase Bank0.04%(3.5)9.68%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.20%(4.5)2.10%
Core Bank-0.15%(4.0)6.47%
West Gate Bank-0.13%(4.0)1.94%
Gateway First Bank-0.12%(4.0)3.13%
First National Bank of Omaha-0.12%(4.0)9.07%
Navy Federal Credit Union-0.11%(4.0)4.74%
First Bank MO-0.10%(4.0)2.97%
Great Western Bank-0.08%(4.0)0.66%
Cobalt Credit Union-0.07%(4.0)2.64%
Pinnacle Bank – KMN-0.06%(4.0)0.95%
Lincoln Federal Savings Bank-0.05%(3.5)0.70%
Churchill Mortgage-0.04%(3.5)1.20%
Centris Federal Credit Union-0.04%(3.5)1.03%
North American Savings Bank-0.03%(3.5)0.62%
Caliber Home Loans-0.02%(3.5)2.18%
Prosperity Home Mortgage LLC-0.02%(3.5)0.33%
Flagstar Bank-0.02%(3.5)4.86%
Home Point Financial Corporation-0.01%(3.5)0.62%
PennyMac Loan Services-0.01%(3.5)1.77%
Amerisave Mortgage Corporation-0.01%(3.5)0.41%
Keller Mortgage-0.01%(3.5)0.33%
Bank of America-0.01%(3.5)0.04%
NBKC Bank-0.01%(3.5)1.03%
Iowa Bankers Mortgage Corporation-0.00%(3.5)0.04%
Mid America Mortgage-0.00%(3.5)0.70%
Access Bank0.00%(3.5)3.13%
Gershman Mortgage0.00%(3.5)0.29%
Movement Mortgage0.00%(3.5)0.49%
Central National Bank0.00%(3.5)0.12%
Fairway Independent Mortgage Corporation0.00%(3.5)0.58%
Bank in San Ramon0.01%(3.5)0.21%
US Bank0.01%(3.5)0.87%
HomeServices Lending0.01%(3.5)0.29%
Charter West Bank0.01%(3.5)0.08%
Northwest Bank IA0.02%(3.5)0.29%
Union Bank and Trust0.03%(3.5)0.41%
American National Bank0.03%(3.5)2.47%
Wells Fargo Bank0.03%(3.5)1.85%
New American Funding0.03%(3.5)0.41%
Carrington Mortgage Services0.04%(3.5)0.58%
Guild Mortgage Company0.04%(3.5)2.06%
Peoples Mortgage0.04%(3.5)0.54%
Chickasaw Community Bank0.05%(3.0)2.06%
DelMar Financial Company0.06%(3.0)0.95%
CMG Financial0.06%(3.0)2.27%
Regent Financial Group0.08%(3.0)3.09%
Synergy One Lending0.08%(3.0)0.70%
Mr. Cooper0.09%(3.0)0.66%
Castle & Cooke Mortgage0.13%(3.0)1.40%
Freedom Mortgage Corporation0.13%(3.0)1.03%
Quicken Loans0.18%(2.5)5.36%
The Federal Savings Bank0.20%(2.5)2.31%
NewDay USA0.47%(1.0)1.77%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.17%(4.5)1.99%
West Gate Bank-0.13%(4.0)2.56%
Core Bank-0.13%(4.0)6.70%
Navy Federal Credit Union-0.12%(4.0)6.91%
First National Bank of Omaha-0.10%(4.0)9.05%
First Bank MO-0.10%(4.0)3.70%
Great Western Bank-0.10%(4.0)0.85%
Cobalt Credit Union-0.07%(4.0)2.99%
Churchill Mortgage-0.03%(3.5)1.42%
North American Savings Bank-0.02%(3.5)0.64%
Centris Federal Credit Union-0.02%(3.5)1.00%
Prosperity Home Mortgage LLC-0.02%(3.5)0.43%
Lincoln Federal Savings Bank-0.02%(3.5)0.50%
Pinnacle Bank – KMN-0.01%(3.5)0.85%
Synergy One Lending0.00%(3.5)0.21%
Keller Mortgage0.00%(3.5)0.50%
Bank of America0.00%(3.5)0.07%
US Bank0.00%(3.5)1.14%
Iowa Bankers Mortgage Corporation0.00%(3.5)0.07%
Gateway First Bank0.01%(3.5)1.99%
Fairway Independent Mortgage Corporation0.01%(3.5)0.50%
Mid America Mortgage0.01%(3.5)0.93%
Access Bank0.01%(3.5)4.49%
Central National Bank0.01%(3.5)0.14%
Gershman Mortgage0.01%(3.5)0.21%
Home Point Financial Corporation0.01%(3.5)0.36%
NBKC Bank0.01%(3.5)1.07%
Freedom Mortgage Corporation0.02%(3.5)0.14%
NewDay USA0.02%(3.5)0.14%
Bank in San Ramon0.02%(3.5)0.14%
HomeServices Lending0.02%(3.5)0.50%
Caliber Home Loans0.02%(3.5)1.99%
Charter West Bank0.02%(3.5)0.14%
Northwest Bank IA0.03%(3.5)0.43%
PennyMac Loan Services0.03%(3.5)0.71%
Movement Mortgage0.03%(3.5)0.50%
Union Bank and Trust0.04%(3.5)0.71%
Wells Fargo Bank0.04%(3.5)3.13%
American National Bank0.05%(3.0)2.92%
Peoples Mortgage0.05%(3.0)0.85%
Quicken Loans0.06%(3.0)2.35%
New American Funding0.07%(3.0)0.36%
Guild Mortgage Company0.07%(3.0)1.71%
Flagstar Bank0.08%(3.0)4.13%
Mr. Cooper0.09%(3.0)0.21%
Regent Financial Group0.09%(3.0)4.63%
DelMar Financial Company0.10%(3.0)1.21%
CMG Financial0.10%(3.0)2.64%
Chickasaw Community Bank0.10%(3.0)2.21%
Castle & Cooke Mortgage0.22%(2.5)1.50%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.24%(4.5)2.25%
Gateway First Bank-0.20%(4.5)4.70%
Core Bank-0.17%(4.5)6.16%
First National Bank of Omaha-0.14%(4.0)9.10%
Flagstar Bank-0.12%(4.0)5.87%
Pinnacle Bank – KMN-0.10%(4.0)1.08%
First Bank MO-0.10%(4.0)1.96%
West Gate Bank-0.09%(4.0)1.08%
Caliber Home Loans-0.08%(4.0)2.45%
Lincoln Federal Savings Bank-0.08%(4.0)0.98%
Cobalt Credit Union-0.07%(4.0)2.15%
Centris Federal Credit Union-0.07%(4.0)1.08%
Churchill Mortgage-0.05%(4.0)0.88%
Navy Federal Credit Union-0.05%(3.5)1.76%
Movement Mortgage-0.04%(3.5)0.49%
Great Western Bank-0.04%(3.5)0.39%
NBKC Bank-0.03%(3.5)0.98%
Home Point Financial Corporation-0.03%(3.5)0.98%
Chickasaw Community Bank-0.03%(3.5)1.86%
North American Savings Bank-0.03%(3.5)0.59%
PennyMac Loan Services-0.03%(3.5)3.23%
Mid America Mortgage-0.02%(3.5)0.39%
Prosperity Home Mortgage LLC-0.02%(3.5)0.20%
Keller Mortgage-0.02%(3.5)0.10%
Amerisave Mortgage Corporation-0.02%(3.5)0.98%
Castle & Cooke Mortgage-0.02%(3.5)1.27%
DelMar Financial Company-0.01%(3.5)0.59%
Peoples Mortgage-0.01%(3.5)0.10%
Gershman Mortgage-0.01%(3.5)0.39%
Northwest Bank IA-0.01%(3.5)0.10%
Bank in San Ramon-0.01%(3.5)0.29%
Access Bank-0.01%(3.5)1.27%
Central National Bank-0.01%(3.5)0.10%
American National Bank-0.00%(3.5)1.86%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.68%
Regent Financial Group-0.00%(3.5)0.98%
New American Funding-0.00%(3.5)0.49%
CMG Financial0.00%(3.5)1.76%
Guild Mortgage Company0.01%(3.5)2.54%
Wells Fargo Bank0.01%(3.5)0.10%
Carrington Mortgage Services0.03%(3.5)1.37%
US Bank0.04%(3.5)0.49%
Mr. Cooper0.08%(3.0)1.27%
Synergy One Lending0.08%(3.0)1.37%
Freedom Mortgage Corporation0.13%(3.0)2.25%
The Federal Savings Bank0.19%(2.5)5.48%
Quicken Loans0.22%(2.5)9.49%
NewDay USA0.48%(1.0)4.01%

* Data is compiled for the Omaha, NE commuting zone area, which comprises of counties of Harrison County, IA, Mills County, IA, Pottawattamie County, IA, Cass County, NE, Dodge County, NE, Douglas County, NE, Sarpy County, NE, Saunders County, NE, and Washington County, NE. This includes cities/towns/communities of Omaha, NE as well as Bellevue, NE, Council Bluffs, IA, Papillion, NE, Bennington, NE, Fremont, NE, La Vista, NE, Gretna, NE, Chalco, NE, Blair, NE, Plattsmouth, NE, La Platte, NE, Kennard, NE, Yutan, NE, Louisville, NE, Glenwood, IA, Valley, NE, Ralston, NE, Murray, NE, Springfield, NE, Weeping Water, NE, Ceresco, NE, Cedar Bluffs, NE, Silver City, IA, Fort Calhoun, NE, Waterloo, NE, Arlington, NE, Greenwood, NE, Scribner, NE, Carter Lake, IA, Wahoo, NE, Weston, IA, Emerson, IA, Treynor, IA, Ashland, NE, Missouri Valley, IA, Neola, IA, Modale, IA, Mondamin, IA, Underwood, IA, California Junction, IA, Walnut, IA, Carson, IA, Tabor, IA, North Bend, NE, Hancock, IA, River Sioux, IA, and Offutt AFB, NE. Lenders must have made at least 30 loans in the area to be included. Source of the data is 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 conditional on the commuting zone, 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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