Top Mortgage Lenders in Lincoln, NE

Which mortgage lender in the Lincoln, 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 Lincoln, 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 Lincoln, NE area in terms of interest rate is West Gate Bank, with an average “Rate Difference” of -0.11%. This means that, comparing similar borrowers, West Gate Bank provided a -0.11% lower interest rate for its customers than other lenders in the area. West Gate Bank has a market share of 9.6%. On the other hand, the most popular lender in the Lincoln, NE area is Lincoln Federal Savings Bank, with a larger market share of 13.7%. Lincoln Federal Savings Bank is also a relatively cheap lender, with a “Rate Difference” of -0.10% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in 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, going by historical data, 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 (above $548,250 or $822,375 depending on the area in 2021), 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. 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 Lincoln, NE

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
West Gate Bank-0.11%(4.0)9.56%
Pinnacle Bank – KMN-0.10%(4.0)6.92%
Lincoln Federal Savings Bank-0.10%(4.0)13.71%
Prosperity Home Mortgage LLC-0.07%(4.0)1.02%
Liberty First Credit Union-0.07%(4.0)8.45%
Cornhusker Bank-0.04%(3.5)5.66%
Union Bank and Trust-0.03%(3.5)12.76%
Great Western Bank-0.03%(3.5)1.79%
First National Bank of Omaha-0.01%(3.5)3.90%
First Bank MO-0.00%(3.5)2.08%
Fairway Independent Mortgage Corporation0.01%(3.5)0.61%
Gateway First Bank0.01%(3.5)0.74%
Synergy One Lending0.02%(3.5)0.58%
Navy Federal Credit Union0.03%(3.5)0.47%
US Home Mortgage0.04%(3.5)1.06%
JPMorgan Chase Bank0.05%(3.5)0.76%
DelMar Financial Company0.08%(3.0)0.93%
Flagstar Bank0.08%(3.0)1.18%
Bank in San Ramon0.09%(3.0)0.53%
United Fidelity Funding Corp0.09%(3.0)0.97%
US Bank0.11%(3.0)4.60%
Wells Fargo Bank0.13%(3.0)7.40%
Mr. Cooper0.15%(3.0)0.61%
Peoples Mortgage0.16%(2.5)2.93%
HomeServices Lending0.17%(2.5)1.08%
PRMG Mortgage0.18%(2.5)1.21%
Quicken Loans0.23%(2.5)6.67%
Lender NameRate DifferenceRate RatingMarket Share
Lincoln Federal Savings Bank-0.09%(4.0)16.09%
Prosperity Home Mortgage LLC-0.08%(4.0)1.72%
Pinnacle Bank – KMN-0.08%(4.0)5.89%
West Gate Bank-0.06%(4.0)9.61%
Liberty First Credit Union-0.05%(4.0)8.24%
First National Bank of Omaha-0.02%(3.5)4.54%
Great Western Bank-0.02%(3.5)1.61%
Cornhusker Bank-0.02%(3.5)5.12%
JPMorgan Chase Bank-0.01%(3.5)0.48%
First Bank MO-0.01%(3.5)2.48%
Fairway Independent Mortgage Corporation0.00%(3.5)0.87%
US Bank0.00%(3.5)4.41%
Union Bank and Trust0.01%(3.5)13.52%
US Home Mortgage0.02%(3.5)0.92%
Bank in San Ramon0.02%(3.5)0.45%
Navy Federal Credit Union0.03%(3.5)0.69%
Gateway First Bank0.03%(3.5)0.55%
Synergy One Lending0.04%(3.5)0.18%
Mr. Cooper0.06%(3.0)0.18%
Wells Fargo Bank0.08%(3.0)7.05%
DelMar Financial Company0.08%(3.0)1.37%
United Fidelity Funding Corp0.11%(3.0)1.03%
Flagstar Bank0.12%(3.0)1.43%
Quicken Loans0.16%(2.5)1.88%
HomeServices Lending0.17%(2.5)1.85%
Peoples Mortgage0.17%(2.5)4.68%
PRMG Mortgage0.20%(2.5)1.72%
Lender NameRate DifferenceRate RatingMarket Share
West Gate Bank-0.17%(4.5)9.48%
Lincoln Federal Savings Bank-0.14%(4.0)10.51%
Pinnacle Bank – KMN-0.13%(4.0)8.30%
Union Bank and Trust-0.11%(4.0)11.72%
Liberty First Credit Union-0.09%(4.0)8.73%
Cornhusker Bank-0.07%(4.0)6.38%
Great Western Bank-0.05%(3.5)2.03%
Flagstar Bank-0.02%(3.5)0.86%
Gateway First Bank-0.00%(3.5)1.00%
First Bank MO-0.00%(3.5)1.53%
First National Bank of Omaha0.01%(3.5)3.03%
Navy Federal Credit Union0.02%(3.5)0.18%
Fairway Independent Mortgage Corporation0.02%(3.5)0.25%
Synergy One Lending0.02%(3.5)1.10%
HomeServices Lending0.04%(3.5)0.04%
DelMar Financial Company0.04%(3.5)0.32%
Prosperity Home Mortgage LLC0.05%(3.5)0.07%
Peoples Mortgage0.06%(3.0)0.57%
PRMG Mortgage0.06%(3.0)0.53%
US Home Mortgage0.07%(3.0)1.25%
United Fidelity Funding Corp0.07%(3.0)0.89%
JPMorgan Chase Bank0.08%(3.0)1.14%
Bank in San Ramon0.15%(3.0)0.64%
Mr. Cooper0.17%(2.5)1.18%
Wells Fargo Bank0.19%(2.5)7.87%
US Bank0.23%(2.5)4.85%
Quicken Loans0.24%(2.5)13.15%
Lender NameRate DifferenceRate RatingMarket Share
West Gate Bank-0.11%(4.0)10.53%
Pinnacle Bank – KMN-0.11%(4.0)7.77%
Lincoln Federal Savings Bank-0.10%(4.0)12.89%
Prosperity Home Mortgage LLC-0.09%(4.0)0.85%
Cornhusker Bank-0.04%(3.5)6.77%
Union Bank and Trust-0.04%(3.5)14.35%
Great Western Bank-0.04%(3.5)1.96%
Liberty First Credit Union-0.03%(3.5)7.71%
First Bank MO-0.01%(3.5)1.94%
First National Bank of Omaha-0.01%(3.5)3.98%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.57%
Synergy One Lending0.02%(3.5)0.55%
Gateway First Bank0.02%(3.5)0.63%
US Home Mortgage0.04%(3.5)1.20%
JPMorgan Chase Bank0.05%(3.5)0.85%
United Fidelity Funding Corp0.06%(3.0)0.37%
DelMar Financial Company0.07%(3.0)0.79%
Flagstar Bank0.08%(3.0)0.81%
Bank in San Ramon0.09%(3.0)0.61%
US Bank0.11%(3.0)5.28%
Wells Fargo Bank0.13%(3.0)8.60%
Navy Federal Credit Union0.15%(3.0)0.20%
Peoples Mortgage0.19%(2.5)2.43%
HomeServices Lending0.19%(2.5)1.07%
Mr. Cooper0.20%(2.5)0.35%
PRMG Mortgage0.20%(2.5)0.87%
Quicken Loans0.31%(2.0)4.98%
Lender NameRate DifferenceRate RatingMarket Share
Prosperity Home Mortgage LLC-0.10%(4.0)1.46%
Lincoln Federal Savings Bank-0.08%(4.0)14.68%
Pinnacle Bank – KMN-0.08%(4.0)6.81%
West Gate Bank-0.06%(4.0)10.56%
First National Bank of Omaha-0.03%(3.5)4.72%
Great Western Bank-0.02%(3.5)1.69%
Cornhusker Bank-0.02%(3.5)6.24%
First Bank MO-0.02%(3.5)2.42%
JPMorgan Chase Bank-0.02%(3.5)0.56%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.83%
US Bank-0.00%(3.5)5.18%
Liberty First Credit Union0.01%(3.5)7.14%
Union Bank and Trust0.01%(3.5)15.11%
US Home Mortgage0.02%(3.5)1.03%
Bank in San Ramon0.02%(3.5)0.50%
Synergy One Lending0.03%(3.5)0.13%
Gateway First Bank0.04%(3.5)0.53%
United Fidelity Funding Corp0.05%(3.5)0.37%
Mr. Cooper0.06%(3.0)0.13%
DelMar Financial Company0.07%(3.0)1.20%
Wells Fargo Bank0.08%(3.0)8.27%
Flagstar Bank0.13%(3.0)0.93%
Navy Federal Credit Union0.15%(2.5)0.33%
HomeServices Lending0.19%(2.5)1.89%
Peoples Mortgage0.19%(2.5)4.02%
Quicken Loans0.20%(2.5)1.33%
PRMG Mortgage0.22%(2.5)1.30%
Lender NameRate DifferenceRate RatingMarket Share
West Gate Bank-0.18%(4.5)10.50%
Lincoln Federal Savings Bank-0.14%(4.0)10.66%
Pinnacle Bank – KMN-0.13%(4.0)8.96%
Union Bank and Trust-0.11%(4.0)13.40%
Liberty First Credit Union-0.07%(4.0)8.42%
Cornhusker Bank-0.07%(4.0)7.43%
Great Western Bank-0.05%(3.5)2.28%
Flagstar Bank-0.01%(3.5)0.66%
First Bank MO-0.00%(3.5)1.33%
Gateway First Bank0.00%(3.5)0.75%
First National Bank of Omaha0.02%(3.5)3.07%
Fairway Independent Mortgage Corporation0.02%(3.5)0.25%
Synergy One Lending0.02%(3.5)1.08%
HomeServices Lending0.04%(3.5)0.04%
DelMar Financial Company0.05%(3.5)0.29%
Prosperity Home Mortgage LLC0.05%(3.0)0.08%
Navy Federal Credit Union0.06%(3.0)0.04%
United Fidelity Funding Corp0.06%(3.0)0.37%
US Home Mortgage0.07%(3.0)1.41%
PRMG Mortgage0.07%(3.0)0.33%
Peoples Mortgage0.07%(3.0)0.46%
JPMorgan Chase Bank0.09%(3.0)1.20%
Bank in San Ramon0.15%(2.5)0.75%
Wells Fargo Bank0.19%(2.5)9.00%
Mr. Cooper0.24%(2.5)0.62%
US Bank0.24%(2.5)5.39%
Quicken Loans0.33%(2.0)9.54%
Lender NameRate DifferenceRate RatingMarket Share
Liberty First Credit Union-0.20%(4.5)14.87%
Lincoln Federal Savings Bank-0.10%(4.0)18.41%
West Gate Bank-0.08%(4.0)3.68%
Prosperity Home Mortgage LLC-0.02%(3.5)1.27%
First National Bank of Omaha-0.01%(3.5)4.11%
Pinnacle Bank – KMN-0.00%(3.5)2.27%
Great Western Bank0.01%(3.5)1.27%
Gateway First Bank0.02%(3.5)0.99%
Bank in San Ramon0.03%(3.5)0.14%
First Bank MO0.03%(3.5)2.83%
Union Bank and Trust0.04%(3.5)6.23%
Cornhusker Bank0.05%(3.5)0.14%
Fairway Independent Mortgage Corporation0.05%(3.0)0.71%
Synergy One Lending0.06%(3.0)0.57%
US Bank0.08%(3.0)0.99%
Quicken Loans0.08%(3.0)16.57%
HomeServices Lending0.09%(3.0)1.13%
DelMar Financial Company0.12%(3.0)1.98%
Mr. Cooper0.12%(3.0)2.27%
Peoples Mortgage0.13%(3.0)6.09%
United Fidelity Funding Corp0.13%(3.0)5.52%
Flagstar Bank0.15%(3.0)2.83%
PRMG Mortgage0.17%(2.5)4.25%
Lender NameRate DifferenceRate RatingMarket Share
Liberty First Credit Union-0.19%(4.5)15.71%
Lincoln Federal Savings Bank-0.09%(4.0)23.66%
West Gate Bank-0.08%(4.0)4.77%
Prosperity Home Mortgage LLC-0.01%(3.5)1.79%
First National Bank of Omaha-0.00%(3.5)4.77%
Pinnacle Bank – KMN0.00%(3.5)2.39%
Gateway First Bank0.02%(3.5)0.80%
Great Western Bank0.02%(3.5)1.59%
Bank in San Ramon0.04%(3.5)0.20%
First Bank MO0.05%(3.5)3.18%
Union Bank and Trust0.05%(3.0)8.15%
Cornhusker Bank0.06%(3.0)0.20%
Fairway Independent Mortgage Corporation0.07%(3.0)0.80%
Mr. Cooper0.07%(3.0)0.20%
Synergy One Lending0.08%(3.0)0.40%
US Bank0.09%(3.0)1.39%
HomeServices Lending0.10%(3.0)1.59%
DelMar Financial Company0.14%(3.0)2.58%
Quicken Loans0.14%(3.0)4.37%
Peoples Mortgage0.14%(3.0)7.95%
Flagstar Bank0.16%(2.5)3.78%
United Fidelity Funding Corp0.16%(2.5)4.97%
PRMG Mortgage0.21%(2.5)4.77%
Lender NameRate DifferenceRate RatingMarket Share
Liberty First Credit Union-0.22%(4.5)12.81%
Lincoln Federal Savings Bank-0.05%(4.0)5.42%
First National Bank of Omaha-0.02%(3.5)2.46%
First Bank MO-0.02%(3.5)1.97%
Pinnacle Bank – KMN-0.02%(3.5)1.97%
West Gate Bank-0.01%(3.5)0.99%
Peoples Mortgage-0.01%(3.5)1.48%
Great Western Bank-0.01%(3.5)0.49%
Union Bank and Trust0.00%(3.5)1.48%
Flagstar Bank0.01%(3.5)0.49%
Fairway Independent Mortgage Corporation0.01%(3.5)0.49%
Gateway First Bank0.02%(3.5)1.48%
DelMar Financial Company0.02%(3.5)0.49%
Synergy One Lending0.02%(3.5)0.99%
PRMG Mortgage0.02%(3.5)2.96%
Quicken Loans0.04%(3.5)46.80%
United Fidelity Funding Corp0.06%(3.0)6.90%
Mr. Cooper0.10%(3.0)7.39%
Lender NameRate DifferenceRate RatingMarket Share
JPMorgan Chase Bank-0.01%(3.5)13.04%
Wells Fargo Bank-0.01%(3.5)43.48%
West Gate Bank-0.01%(3.5)4.35%
Liberty First Credit Union-0.00%(3.5)8.70%
Lincoln Federal Savings Bank0.00%(3.5)8.70%
Union Bank and Trust0.01%(3.5)8.70%
US Bank0.03%(3.5)13.04%
Lender NameRate DifferenceRate RatingMarket Share
West Gate Bank-0.01%(3.5)8.33%
Wells Fargo Bank-0.00%(3.5)50.00%
Liberty First Credit Union0.00%(3.5)8.33%
Lincoln Federal Savings Bank0.00%(3.5)16.67%
Union Bank and Trust0.01%(3.5)16.67%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.02%(3.5)36.36%
JPMorgan Chase Bank-0.01%(3.5)27.27%
Liberty First Credit Union-0.00%(3.5)9.09%
US Bank0.03%(3.5)27.27%
Lender NameRate DifferenceRate RatingMarket Share
Pinnacle Bank – KMN-0.09%(4.0)4.29%
Liberty First Credit Union-0.08%(4.0)7.22%
West Gate Bank-0.08%(4.0)7.22%
Lincoln Federal Savings Bank-0.08%(4.0)16.48%
Prosperity Home Mortgage LLC-0.07%(4.0)2.71%
Navy Federal Credit Union-0.05%(4.0)4.51%
Gateway First Bank-0.05%(3.5)1.81%
Cornhusker Bank-0.03%(3.5)1.13%
First National Bank of Omaha-0.02%(3.5)2.71%
Flagstar Bank-0.01%(3.5)3.16%
United Fidelity Funding Corp-0.01%(3.5)1.13%
Bank in San Ramon-0.00%(3.5)0.23%
Great Western Bank-0.00%(3.5)0.68%
Union Bank and Trust0.00%(3.5)3.84%
First Bank MO0.00%(3.5)2.71%
US Bank0.01%(3.5)1.58%
US Home Mortgage0.01%(3.5)1.13%
Fairway Independent Mortgage Corporation0.01%(3.5)0.90%
JPMorgan Chase Bank0.02%(3.5)0.23%
PRMG Mortgage0.02%(3.5)0.68%
Synergy One Lending0.02%(3.5)0.90%
DelMar Financial Company0.03%(3.5)0.90%
HomeServices Lending0.04%(3.5)1.13%
Mr. Cooper0.06%(3.0)1.13%
Peoples Mortgage0.06%(3.0)4.06%
Wells Fargo Bank0.07%(3.0)2.71%
Quicken Loans0.15%(3.0)11.96%
Lender NameRate DifferenceRate RatingMarket Share
West Gate Bank-0.08%(4.0)8.08%
Prosperity Home Mortgage LLC-0.07%(4.0)4.62%
Lincoln Federal Savings Bank-0.07%(4.0)17.69%
Pinnacle Bank – KMN-0.06%(4.0)2.31%
Navy Federal Credit Union-0.06%(4.0)6.15%
Liberty First Credit Union-0.06%(4.0)6.54%
Cornhusker Bank-0.02%(3.5)1.92%
First National Bank of Omaha-0.02%(3.5)2.31%
US Bank-0.01%(3.5)1.54%
First Bank MO0.00%(3.5)1.92%
Gateway First Bank0.00%(3.5)0.38%
Bank in San Ramon0.00%(3.5)0.38%
United Fidelity Funding Corp0.00%(3.5)1.15%
Great Western Bank0.01%(3.5)0.77%
Union Bank and Trust0.01%(3.5)5.38%
US Home Mortgage0.02%(3.5)1.54%
PRMG Mortgage0.02%(3.5)0.77%
Fairway Independent Mortgage Corporation0.02%(3.5)1.54%
JPMorgan Chase Bank0.02%(3.5)0.38%
Synergy One Lending0.02%(3.5)0.38%
Flagstar Bank0.03%(3.5)2.69%
DelMar Financial Company0.05%(3.5)1.15%
HomeServices Lending0.05%(3.5)1.92%
Mr. Cooper0.05%(3.0)0.77%
Quicken Loans0.06%(3.0)3.46%
Peoples Mortgage0.07%(3.0)6.15%
Wells Fargo Bank0.08%(3.0)4.62%
Lender NameRate DifferenceRate RatingMarket Share
Liberty First Credit Union-0.11%(4.0)8.20%
Pinnacle Bank – KMN-0.11%(4.0)7.10%
Lincoln Federal Savings Bank-0.09%(4.0)14.75%
West Gate Bank-0.08%(4.0)6.01%
Gateway First Bank-0.06%(4.0)3.83%
Flagstar Bank-0.05%(4.0)3.83%
Navy Federal Credit Union-0.03%(3.5)2.19%
First National Bank of Omaha-0.02%(3.5)3.28%
Great Western Bank-0.02%(3.5)0.55%
United Fidelity Funding Corp-0.02%(3.5)1.09%
First Bank MO-0.00%(3.5)3.83%
Union Bank and Trust0.00%(3.5)1.64%
DelMar Financial Company0.00%(3.5)0.55%
US Home Mortgage0.01%(3.5)0.55%
Peoples Mortgage0.01%(3.5)1.09%
Synergy One Lending0.02%(3.5)1.64%
PRMG Mortgage0.02%(3.5)0.55%
US Bank0.04%(3.5)1.64%
Mr. Cooper0.05%(3.0)1.64%
Quicken Loans0.16%(2.5)24.04%

* 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 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.

Mortgage Lender Rankings in Other Cities

This page contains information about the top mortgage lenders in the Lincoln, NE area. For mortgage lender rankings in other cities, click here.