Lincoln Fsb Of Nebraska Mortgage Rates, Fees & Info

Lincoln, NE

LEI: 549300U82B82JH54TO79

Tax ID: 47-0221745

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Lincoln Fsb Of Nebraska is a smaller mortgage company specializing in Refi and Home Purchase loans. Lincoln Fsb Of Nebraska has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Lincoln, Omaha, Beatrice, Phoenix, and Norfolk among others. We have data for 27 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 11/21/24
    30 Year Conventional Purchase 6.46% 11/21/24
    30 Year Conventional Refi 6.38% 11/21/24
    30 Year Cash-out Refi 6.54% 11/21/24
    30 Year FHA Purchase 6.98% 11/21/24
    30 Year FHA Refi 7.37% 11/21/24
    30 Year VA Purchase 5.79% 11/21/24
    30 Year VA Refi 6.30% 11/21/24
    30 Year USDA Purchase 6.80% 11/21/24
    15 Year Conventional Purchase 5.90% 11/21/24
    15 Year Conventional Refi 5.84% 11/21/24
    15 Year Cash-out Refi 5.84% 11/21/24
    15 Year VA Refi 5.68% 11/21/24
    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.

    Lincoln Fsb Of Nebraska Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Lincoln Fsb Of Nebraska. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,544

    Origination Dollar Volume (All Markets)

    $550,980,000

    Employee count

    95 Show all (20) awards

    Top Markets

    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) 1,948 $420,900,000 $216,068 $1,860 2.99%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 421 $92,355,000 $219,371 $2,393 2.89%
    Outside of Metro Areas 88 $17,070,000 $193,977 $2,348 3.00%
    Beatrice, NE (FHA|USDA|VA) 32 $4,980,000 $155,625 $2,754 2.95%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $1,615,000 $323,000 $2,244 2.75%
    Norfolk, NE (FHA|USDA|VA) 3 $1,445,000 $481,667 $2,308 2.83%
    GREELEY, CO (FHA|USDA|VA) 4 $1,270,000 $317,500 $1,985 2.84%
    Columbus, NE (FHA|USDA|VA) 5 $1,265,000 $253,000 $2,781 2.83%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,040,000 $260,000 $3,177 2.88%
    Kearney, NE (FHA|USDA|VA) 3 $955,000 $318,333 $2,445 2.92%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $830,000 $415,000 $2,100 2.81%
    Fremont, NE (FHA|USDA|VA) 6 $830,000 $138,333 $2,659 3.67%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $770,000 $385,000 $2,561 3.06%
    North Platte, NE (FHA|USDA|VA) 3 $725,000 $241,667 $3,186 2.83%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $705,000 $235,000 $3,080 2.75%
    Lexington, NE (FHA|USDA|VA) 2 $460,000 $230,000 $2,033 2.63%
    BOULDER, CO (FHA|USDA|VA) 1 $455,000 $455,000 $0 3.00%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $445,000 $445,000 $2,723 2.50%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $415,000 $415,000 $1,178 2.25%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $390,000 $195,000 $2,755 3.00%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $365,000 $365,000 $2,346 2.63%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $325,000 $325,000 $6,947 3.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $325,000 $325,000 $1,593 2.88%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $325,000 $325,000 $6,305 3.00%
    ENID, OK (FHA|USDA|VA) 1 $295,000 $295,000 $9,826 2.25%
    Hastings, NE (FHA|USDA|VA) 2 $240,000 $120,000 $3,358 3.44%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $185,000 $185,000 $1,745 3.00%
    Lincoln Fsb Of Nebraska's top markets include Lincoln, Omaha, Beatrice, Phoenix, and Norfolk among others.

    Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)

    • Similar Lenders

    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.

    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 154
    CREIGHTON FEDERAL CREDIT UNION
    Similarity Rank: 207
    KELLOGG MIDWEST FEDERAL CREDIT UNION
    Similarity Rank: 252
    MUTUAL FIRST
    Similarity Rank: 288
    South Metro Federal Credit Union
    Similarity Rank: 564
    LIBERTY FIRST
    Similarity Rank: 780
    Cobalt Credit Union
    Similarity Rank: 855
    METRO CU
    Similarity Rank: 880
    Central National Bank
    Similarity Rank: 900
    CORNHUSKER BANK
    Similarity Rank: 915

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,273 $489,145,000 $215,198 $1,711 3.00%
    VA 137 $37,505,000 $273,759 $3,649 2.55%
    FHA 114 $21,660,000 $190,000 $5,149 3.00%
    USDA 20 $2,670,000 $133,500 $3,184 2.86%

    For 2020, Lincoln Fsb Of Nebraska's most frequently originated type of loan was Conventional, with 2,273 originations. Their 2nd most popular type was VA, with 137 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,172 $264,740,000 $225,887 $1,660 2.85%
    Home Purchase 943 $194,525,000 $206,283 $2,435 3.07%
    Cash Out Refi 408 $88,650,000 $217,279 $2,027 3.03%
    Other 18 $2,520,000 $140,000 $1,136 4.19%
    Home Improvement 3 $545,000 $181,667 $1,769 2.67%

    For 2020, Lincoln Fsb Of Nebraska's most frequently cited loan purpose was Refi, with 1,172 originations. The 2nd most popular reason was Home Purchase, with 943 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,701 $385,535,000 $226,652 $2,217 3.01%
    15 Year 514 $103,880,000 $202,101 $1,660 2.65%
    20 Year 165 $39,345,000 $238,455 $1,736 3.28%
    10 Year 82 $7,200,000 $87,805 $804 2.38%
    1 Year 47 $7,345,000 $156,277 $868 5.07%
    Other 35 $7,675,000 $219,286 $1,431 3.24%

    For 2020, Lincoln Fsb Of Nebraska's most frequently cited loan duration was 30 Year, with 1,701 originations. The 2nd most popular length was 15 Year, with 514 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,164 $474,590,000 $219,311
    $1k-2k 176 $38,650,000 $219,602
    $2k-3k 29 $7,035,000 $242,586
    $3k-4k 9 $2,255,000 $250,556
    $4k-5k 3 $765,000 $255,000
    $5k+ 3 $1,125,000 $375,000

    Lincoln Fsb Of Nebraska's average total fees were $2,217, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,164 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,165 $265,435,000 $227,841
    3-4% 715 $139,075,000 $194,510
    <2.5% 528 $124,570,000 $235,928
    4-5% 104 $17,260,000 $165,962
    5-6% 31 $4,585,000 $147,903
    6-7% 1 $55,000 $55,000

    During 2020, Lincoln Fsb Of Nebraska's average interest rate for loans was 3.01%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,165 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,154 $312,500,000 $270,797 $2,163 2.85%
    $100k-200k 1,047 $160,445,000 $153,243 $1,908 3.08%
    $100,000 or less 206 $13,200,000 $64,078 $1,203 3.19%
    $400k-600k 134 $61,350,000 $457,836 $2,261 2.83%
    $600k-1MM 2 $1,350,000 $675,000 $5,036 3.44%
    $1MM+ 1 $2,135,000 $2,135,000 $0 4.45%

    2020 saw Lincoln Fsb Of Nebraska place emphasis on $200k-400k loans with 1,154 originations, totaling $312,500,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 611 $147,245,000 $240,990 $1,939 2.96%
    $50k-75k 530 $93,710,000 $176,811 $2,094 2.94%
    $75k-100k 511 $107,915,000 $211,184 $1,991 2.97%
    $150k-250k 365 $102,585,000 $281,055 $2,004 2.89%
    $50k or less 328 $44,480,000 $135,610 $2,031 3.04%
    $250k+ 90 $27,660,000 $307,333 $1,785 2.85%

    Lincoln Fsb Of Nebraska lent most frequently to those with incomes in the $100k-150k range, with 611 originations. The second most popular income band? $50k-75k, with 530 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 682 $147,750,000 $216,642 $1,936 2.92%
    30-36% 447 $93,015,000 $208,087 $1,833 3.00%
    <20% 310 $64,760,000 $208,903 $1,692 2.87%
    44% 99 $22,025,000 $222,475 $2,267 2.97%
    41% 90 $19,740,000 $219,333 $2,277 3.09%
    42% 78 $16,570,000 $212,436 $2,123 3.04%
    38% 75 $15,295,000 $203,933 $1,867 2.92%
    37% 75 $15,675,000 $209,000 $2,076 2.98%
    39% 70 $16,100,000 $230,000 $2,321 2.92%
    43% 68 $14,150,000 $208,088 $1,950 2.96%
    36% 68 $15,810,000 $232,500 $1,864 2.95%
    40% 66 $14,870,000 $225,303 $2,207 3.02%
    49% 62 $12,400,000 $200,000 $1,949 2.99%
    47% 55 $12,715,000 $231,182 $2,315 2.87%
    45% 47 $11,425,000 $243,085 $2,304 3.00%
    48% 41 $8,795,000 $214,512 $2,113 3.05%
    46% 39 $9,415,000 $241,410 $2,218 2.89%
    50-60% 35 $7,725,000 $220,714 $4,794 2.79%
    >60% 1 $315,000 $315,000 $1,675 2.75%

    Lincoln Fsb Of Nebraska lent most frequently to those with DTI ratios of 20-30%, with 682 originations. The next most common DTI ratio? 30-36%, with 447 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,243 $483,025,000 $215,348 $2,004 2.96%
    Not provided 111 $24,285,000 $218,784 $2,030 2.74%
    Asian 87 $20,245,000 $232,701 $1,782 2.88%
    Not applicable 56 $12,960,000 $231,429 $790 4.23%
    Black 27 $6,185,000 $229,074 $2,091 2.90%
    American Indian 9 $1,965,000 $218,333 $2,897 2.88%
    Asian Indian 8 $1,760,000 $220,000 $1,742 2.83%
    Native Hawaiian or Islander 2 $340,000 $170,000 $1,633 3.00%
    Chinese 1 $215,000 $215,000 $1,231 2.25%

    Approval Rates

    Total approvals of all applications
    97.96%

    Lincoln Fsb Of Nebraska has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    81.37%

    Lincoln Fsb Of Nebraska has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,544 $550,980,000 $216,580

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 8 $2,990,000 $373,750
    Single Family (1-4 Units):Site-Built 2,536 $547,990,000 $216,084

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 108 $14,910,000 $138,056 $1,448 3.18%
    40-60% 377 $74,725,000 $198,210 $1,653 2.77%
    60-80% 1,144 $263,520,000 $230,350 $1,751 3.01%
    80-100% 842 $190,700,000 $226,485 $2,481 3.03%
    Over 100% 15 $4,505,000 $300,333 $11,342 2.51%
    Under 20% 56 $1,360,000 $24,286 $220 2.46%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Lincoln FSB of Nebraska 1002 South Dewey North Platte, NE 69101 Full Service B&M $17,394
    Lincoln FSB of Nebraska 1101 N Street Lincoln, NE 68508 Full Service B&M $23,225
    Lincoln FSB of Nebraska 1822 Washington Street Blair, NE 68008 Full Service B&M $16,352
    Lincoln FSB of Nebraska 221 Norris Avenue Mccook, NE 69001 Full Service B&M $17,091
    Lincoln FSB of Nebraska 2401 Superior Street Lincoln, NE 68521 Full Service B&M $11,509
    Lincoln FSB of Nebraska 2810 Copper Ridge Drive, Suite 1 Lincoln, NE 68516 Full Service B&M $10,651
    Lincoln FSB of Nebraska 415 East Sixth Street Fremont, NE 68025 Full Service B&M $22,681
    Lincoln FSB of Nebraska 524 Chief Street Benkelman, NE 69021 Full Service B&M $14,273
    Lincoln FSB of Nebraska 5705 S 86th Dr Lincoln, NE 68526 Full Service B&M $10,517
    Lincoln FSB of Nebraska 631 West 2nd Hastings, NE 68901 Full Service B&M $33,594
    Lincoln FSB of Nebraska 673 North 132nd Street Omaha, NE 68154 Full Service B&M $36,506
    Lincoln FSB of Nebraska 7005 O Street Lincoln, NE 68510 Full Service B&M $23,367
    Lincoln FSB of Nebraska 720 4th Avenue Holdrege, NE 68949 Full Service B&M $12,643

    For 2020, Lincoln Fsb Of Nebraska had 13 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $12,128
    Net interest income $8,636
    Total noninterest income $11,355
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $107
    Trading account gains and fees $0
    Additional Noninterest Income $11,248
    Pre-tax net operating income $6,152
    Securities gains (or losses, -) $1,413
    Income before extraordinary items $6,024
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,024
    Minority interest net income $0
    Net income $6,024
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,893

    Lincoln Fsb Of Nebraska's gross interest income from loans was $12,128,000.
    Lincoln Fsb Of Nebraska's net interest income from loans was $8,636,000.
    Lincoln Fsb Of Nebraska's fee based income from loans was $107,000.
    Lincoln Fsb Of Nebraska's net income from loans was $6,024,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,492
    Provision for credit losses $1,004
    Total noninterest expense $12,835
    Salaries and employee benefits $9,063
    Premises and equipment expense $1,326
    Additional noninterest expense $2,446
    Applicable income taxes $1,541
    Net charge-offs $4
    Cash dividends $0

    Lincoln Fsb Of Nebraska's interest expense for loans was $3,492,000.
    Lincoln Fsb Of Nebraska's payroll and benefits expense were $9,063,000.
    Lincoln Fsb Of Nebraska's property, plant and equipment expenses $1,326,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 1.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $232,890
    Deposits held in domestic offices $232,890
    Deposits by Individuals, partnerships, and corporations $232,890
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $0
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $35,214
    Demand deposits $15,707
    Nontransaction accounts $197,676
    Money market deposit accounts (MMDAs) $17,351
    Other savings deposits (excluding MMDAs) $15,489
    Total time deposits $164,836
    Total time and savings deposits $217,183
    Noninterest-bearing deposits $10,396
    Interest-bearing deposits $222,494
    Retail deposits $223,184
    IRAs and Keogh plan accounts $15,438
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $308,536
    Cash & Balances due from depository institutions $11,478
    Interest-bearing balances $7,770
    Total securities $71,430
    Federal funds sold & reverse repurchase $0
    Net loans and leases $203,072
    Loan and leases loss allowance $5,000
    Trading account assets $0
    Bank premises and fixed assets $14,591
    Other real estate owned $274
    Goodwill and other intangibles $0
    All other assets $7,691

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $308,536
    Total Liabilities $257,206
    Total deposits $232,890
    Interest-bearing deposits $222,494
    Deposits held in domestic offices $232,890
    % insured (estimated) $98
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $20,000
    Subordinated debt $0
    All other liabilities $4,316

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $203,072
    Loan and leases loss allowance $5,000
    Total loans and leases (domestic) $208,072
    All real estate loans $208,031
    Real estate loans in domestic offices $208,031
    Construction and development loans $12,177
    Residential 1-4 family construction $8,315
    Other construction, all land development and other land $3,862
    Loans secured by nonfarm nonresidential properties $27,055
    Nonfarm nonresidential secured by owner-occupied properties $1,883
    Commercial real estate & other non-farm, non-residential $25,172
    Multifamily residential real estate $25,617
    1-4 family residential loans $143,182
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $29
    To non-U.S. addressees $0
    Loans to individuals $12
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $12
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Lincoln FSB of Nebraska had $203,072,000 of loans outstanding in 2020. $208,031,000 of loans were in real estate loans. $12,177,000 of loans were in development loans. $25,617,000 of loans were in multifamily mortgage loans. $143,182,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 31 $10,601 $341,968
    Nonfarm, nonresidential loans - <$100k 3 $141 $47,000
    Nonfarm, nonresidential loans - $100-250k 7 $1,090 $155,714
    Nonfarm, nonresidential loans - $250k-1MM 21 $9,370 $446,190
    Commercial & Industrial, US addressed loans - <$1MM 2 $29 $14,500
    Commercial & Industrial, US addressed loans - <$100k 2 $29 $14,500