Lincoln Fsb Of Nebraska Mortgage Rates, Fees & InfoLincoln, NE
Tax ID: 47-0221745
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewLincoln Fsb Of Nebraska is a smaller mortgage company specializing in loans. Lincoln Fsb Of Nebraska has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Lincoln, Omaha, Denver, Beatrice, and Pinehurst among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)
Lincoln Fsb Of Nebraska has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Lincoln Fsb Of Nebraska is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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|Simulated Rate||Simulation Date|
|Home Equity Line of Credit (HELOC)||6.27%||3/30/23|
|30 Year Conventional Purchase||6.46%||3/30/23|
|30 Year Conventional Refi||6.38%||3/30/23|
|30 Year Cash-out Refi||6.54%||3/30/23|
|30 Year FHA Purchase||6.98%||3/30/23|
|30 Year FHA Refi||7.37%||3/30/23|
|30 Year VA Purchase||5.79%||3/30/23|
|30 Year VA Refi||6.30%||3/30/23|
|30 Year USDA Purchase||6.80%||3/30/23|
|15 Year Conventional Purchase||5.90%||3/30/23|
|15 Year Conventional Refi||5.84%||3/30/23|
|15 Year Cash-out Refi||5.84%||3/30/23|
|15 Year VA Refi||5.68%||3/30/23|
|These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.|
Origination Dollar Volume (All Markets)$240,585,000
Lincoln Fsb Of Nebraska's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.03%.
Relative Fees (Closing Costs)
Lincoln Fsb Of Nebraska's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,328.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|LINCOLN, NE (FHA|USDA|VA)||700||$185,770,000||$265,386||$2,870||4.69%|
|OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA)||133||$33,225,000||$249,812||$3,184||4.29%|
|Outside of Metro Areas||23||$5,095,000||$221,522||$3,489||4.98%|
|DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA)||5||$4,515,000||$903,000||$7,050||5.15%|
|Beatrice, NE (FHA|USDA|VA)||17||$3,765,000||$221,471||$2,628||4.27%|
|Pinehurst-Southern Pines, NC (FHA|USDA|VA)||2||$930,000||$465,000||$4,696||4.50%|
|ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA)||1||$735,000||$735,000||$5,933||3.63%|
|FLAGSTAFF, AZ (FHA|USDA|VA)||1||$635,000||$635,000||$5,814||3.25%|
|Columbus, NE (FHA|USDA|VA)||1||$595,000||$595,000||$13,551||2.75%|
|NAPLES-MARCO ISLAND, FL (FHA|USDA|VA)||1||$555,000||$555,000||$6,675||2.38%|
|ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA)||1||$515,000||$515,000||$2,668||3.88%|
|OKLAHOMA CITY, OK (FHA|USDA|VA)||1||$465,000||$465,000||$3,493||3.13%|
|Norfolk, NE (FHA|USDA|VA)||2||$430,000||$215,000||$2,442||4.50%|
|GRAND ISLAND, NE (FHA|USDA|VA)||2||$430,000||$215,000||$2,843||5.75%|
|ST. LOUIS, MO-IL (FHA|USDA|VA)||1||$425,000||$425,000||$16,634||3.25%|
|Fremont, NE (FHA|USDA|VA)||3||$415,000||$138,333||$2,125||4.58%|
|Spearfish, SD (FHA|USDA|VA)||1||$405,000||$405,000||$0||6.13%|
|PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)||1||$265,000||$265,000||$4,432||5.50%|
|Lexington, NE (FHA|USDA|VA)||2||$260,000||$130,000||$2,054||4.69%|
|FLINT, MI (FHA|USDA|VA)||1||$255,000||$255,000||$5,109||6.88%|
|DUBUQUE, IA (FHA|USDA|VA)||1||$225,000||$225,000||$2,654||7.00%|
|Hastings, NE (FHA|USDA|VA)||2||$220,000||$110,000||$2,023||5.88%|
|North Platte, NE (FHA|USDA|VA)||1||$175,000||$175,000||$1,199||2.75%|
|KANSAS CITY, MO-KS (FHA|USDA|VA)||1||$165,000||$165,000||$1,844||5.38%|
|Kearney, NE (FHA|USDA|VA)||1||$115,000||$115,000||$0||4.25%|
We use machine learning to identify the top lenders compared against Lincoln FSB of Nebraska based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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For 2022, Lincoln Fsb Of Nebraska's most frequently originated type of loan was Conventional, with 795 originations. Their 2nd most popular type was VA, with 54 originations.
For 2022, Lincoln Fsb Of Nebraska's most frequently cited loan purpose was Home Purchase, with 700 originations. The 2nd most popular reason was Cash Out Refi, with 124 originations.
For 2022, Lincoln Fsb Of Nebraska's most frequently cited loan duration was 30 Year, with 637 originations. The 2nd most popular length was Other, with 67 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Lincoln Fsb Of Nebraska's average total fees were $3,328, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 514 originations.
During 2022, Lincoln Fsb Of Nebraska's average interest rate for loans was 4.73%, while their most frequently originated rate bucket for loans was 4-5%, with 257 originations.
2022 saw Lincoln Fsb Of Nebraska place emphasis on $200k-400k loans with 390 originations, totaling $108,580,000 in origination value.
Lincoln Fsb Of Nebraska lent most frequently to those with incomes in the $100k-150k range, with 202 originations. The second most popular income band? $50k-75k, with 173 originations.
Applicant Debt to Income Ratio
Lincoln Fsb Of Nebraska lent most frequently to those with DTI ratios of 30-36%, with 139 originations. The next most common DTI ratio? 20-30%, with 133 originations.
Approval RatesTotal approvals of all applications
Lincoln Fsb Of Nebraska has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick RateApprovals leading to origination
Lincoln Fsb Of Nebraska has a below average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|