Lincoln VA Loan Rates, Closing Costs & Stats

LINCOLN, NE

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Lincoln's 54 lenders originated 446 VA loans during 2024. The total origination value was $147,940,000, with an average VA loan value of $331,704.

    Lincoln VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Lincoln averaged 6.4% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Lincoln's average VA mortgage closing costs are $4,941.

    The average rate for the prior week (2025-03-28) was 6.42% and one month ago for the week of 2025-02-28, the average rate was 6.5%.

    The average rate one year ago was 6.51%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.07%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Lincoln VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Lincoln level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 71 6.43% $6,123
    Lincoln FSB of Nebraska 43 5.94% $5,595
    GERSHMAN INVESTMENT CORP. 27 6.22% $5,203
    QUICKEN LOANS, LLC 25 6.17% $11,977
    FREEDOM MORTGAGE CORPORATION 21 6.20% $8,447
    UNITED WHOLESALE MORTGAGE, LLC 21 5.77% $6,183
    Prosperity Home Mortgage, LLC 19 6.16% $5,352
    PENNYMAC LOAN SERVICES, LLC 16 5.74% $7,462
    CHARTER WEST BANK 14 6.10% $5,410
    LIBERTY FIRST 14 6.14% $6,329
    USAA Federal Savings Bank 12 6.41% $4,446
    West Gate Bank 9 5.94% $4,608
    CMG MORTGAGE, INC. 9 6.60% $10,278
    Pinnacle Bank 9 5.81% $4,065
    NAVY FEDERAL CREDIT UNION 9 5.68% $1,951
    Union Bank and Trust Company 7 6.07% $9,064
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 6.27% $5,769
    The Federal Savings Bank 6 5.73% $23,125
    Plains Commerce Bank 5 6.58% $4,039
    First Bank 5 5.80% $5,863
    VILLAGE CAPITAL MORTGAGE 5 5.70% $5,566
    NEW DAY FINANCIAL, LLC 5 7.64% $14,779
    Security First Bank 5 6.28% $2,788
    NEWREZ LLC 4 5.72% $8,992
    CLEARPATH LENDING 4 5.72% $6,833
    NBKC BANK 3 5.75% $5,504
    PLANET HOME LENDING, LLC 3 5.79% $4,212
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.29% $18,936
    DELMAR FINANCIAL COMPANY 3 5.96% $12,377
    U.S. Bank 3 6.38% $6,116
    LOANDEPOT.COM, LLC 3 6.33% $7,560
    Regent Financial Group, Inc. 2 6.69% $5,101
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 5.69% $5,580
    First National Bank of Omaha 2 6.00% $11,611
    Paramount Residential Mortgage Group, Inc. 2 6.31% $14,366
    GUARANTEED RATE, INC. 2 5.28% $5,277
    Barrington Bank & Trust Company, N.A. 2 6.19% $8,498
    GUILD MORTGAGE COMPANY 2 6.19% $3,414
    Flagstar Bank, FSB 1 6.75% $0
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.49% $1,349
    LAKEVIEW LOAN SERVICING, LLC 1 5.50% $4,565
    First Federal Bank 1 5.63% $3,532
    Magnolia Bank 1 5.50% $23,736
    Access Bank 1 5.99% $9,796
    CORNHUSKER BANK 1 5.63% $7,032
    PHH Mortgage Corporation 1 5.38% $5,325
    Core Bank 1 6.75% $4,262
    PREMIA MORTGAGE, LLC 1 6.10% $13,704
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.75% $2,805
    CENTENNIAL LENDING, LLC 1 6.13% $10,347
    AMERISAVE MORTGAGE CORPORATION 1 5.63% $61,257
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.63% $2,989
    Arbor Bank 1 6.13% $2,909
    Wells Fargo Bank 1 6.88% $9,117

    The top Lincoln VA lender as defined by loan originations is Mortgage Research Center, LLC, with 71 VA loans originated. Their average total fees are $6,123, which is $528 higher than the next largest lender, Lincoln FSB of Nebraska.

    The lowest fee Lincoln VA lenders (with over 10 loans originated) are USAA Federal Savings Bank ($4,446), GERSHMAN INVESTMENT CORP. ($5,203), Prosperity Home Mortgage, LLC ($5,352), CHARTER WEST BANK ($5,410) and Lincoln FSB of Nebraska ($5,595).

    The lowest rate Lincoln VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.74%), UNITED WHOLESALE MORTGAGE, LLC (5.77%), Lincoln FSB of Nebraska (5.94%), CHARTER WEST BANK (6.10%) and LIBERTY FIRST (6.14%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Lincoln (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $282,250 (25.5%) $344,966 (22.0%) 1.05 643
    2018-02-01 $299,450 (19.2%) $358,847 (19.0%) 1.09 612
    2018-03-01 $319,950 (24.2%) $364,659 (18.8%) 1.12 590
    2018-04-01 $323,713 (13.6%) $379,691 (13.9%) 1.10 620
    2018-05-01 $314,961 (8.1%) $373,405 (10.9%) 1.05 673
    2018-06-01 $308,900 (9.9%) $372,102 (12.7%) 1.03 714
    2018-07-01 $299,916 (12.5%) $368,433 (15.3%) 1.00 792
    2018-08-01 $289,800 (10.5%) $358,893 (13.3%) 0.97 858
    2018-09-01 $285,500 (14.3%) $352,035 (11.5%) 0.96 875
    2018-10-01 $275,440 (10.2%) $342,336 (8.4%) 0.93 945
    2018-11-01 $271,319 (2.6%) $333,806 (2.1%) 0.92 981
    2018-12-01 $272,500 (1.2%) $332,315 (0.0%) 0.94 891
    2019-01-01 $273,697 (-3.0%) $333,553 (-3.3%) 0.95 796
    2019-02-01 $284,948 (-4.8%) $343,605 (-4.3%) 0.96 753
    2019-03-01 $292,986 (-8.4%) $335,805 (-7.9%) 0.96 729
    2019-04-01 $296,123 (-8.5%) $329,676 (-13.2%) 0.94 694
    2019-05-01 $306,625 (-2.7%) $341,747 (-8.5%) 0.96 756
    2019-06-01 $299,900 (-2.9%) $336,092 (-9.7%) 0.94 790
    2019-07-01 $299,900 (0.0%) $332,953 (-9.6%) 0.94 781
    2019-08-01 $292,941 (1.1%) $328,280 (-8.5%) 0.93 830
    2019-09-01 $285,352 (-0.1%) $321,606 (-8.6%) 0.91 894
    2019-10-01 $279,725 (1.6%) $317,533 (-7.3%) 0.90 928
    2019-11-01 $282,079 (4.0%) $317,249 (-5.0%) 0.92 854
    2019-12-01 $284,900 (4.6%) $318,270 (-4.2%) 0.95 784
    2020-01-01 $299,925 (9.6%) $330,626 (-0.9%) 1.00 681
    2020-02-01 $302,500 (6.2%) $336,803 (-2.0%) 0.99 614
    2020-03-01 $303,575 (3.6%) $338,261 (0.7%) 0.95 641
    2020-04-01 $304,850 (3.0%) $337,646 (2.4%) 0.95 701
    2020-05-01 $319,000 (4.0%) $358,506 (4.9%) 0.97 651
    2020-06-01 $325,500 (8.5%) $368,812 (9.7%) 0.96 546
    2020-07-01 $325,000 (8.4%) $373,268 (12.1%) 0.94 499
    2020-08-01 $315,000 (7.5%) $365,770 (11.4%) 0.90 474
    2020-09-01 $307,925 (7.9%) $363,745 (13.1%) 0.88 454
    2020-10-01 $299,950 (7.2%) $365,332 (15.1%) 0.86 455
    2020-11-01 $321,650 (14.0%) $380,020 (19.8%) 0.94 472
    2020-12-01 $326,663 (14.7%) $375,951 (18.1%) 0.97 454
    2021-01-01 $334,950 (11.7%) $371,268 (12.3%) 1.00 395
    2021-02-01 $350,700 (15.9%) $385,336 (14.4%) 1.02 360
    2021-03-01 $362,225 (19.3%) $389,368 (15.1%) 1.03 374
    2021-04-01 $359,900 (18.1%) $395,376 (17.1%) 0.97 368
    2021-05-01 $359,900 (12.8%) $423,128 (18.0%) 0.96 364
    2021-06-01 $336,975 (3.5%) $410,103 (11.2%) 0.89 404
    2021-07-01 $329,000 (1.2%) $397,056 (6.4%) 0.87 428
    2021-08-01 $318,500 (1.1%) $385,095 (5.3%) 0.85 430
    2021-09-01 $299,950 (-2.6%) $362,560 (-0.3%) 0.80 442
    2021-10-01 $312,265 (4.1%) $361,655 (-1.0%) 0.83 490
    2021-11-01 $328,696 (2.2%) $382,773 (0.7%) 0.88 494
    2021-12-01 $349,950 (7.1%) $398,248 (5.9%) 0.95 424
    2022-01-01 $369,925 (10.4%) $419,115 (12.9%) 1.00 379
    2022-02-01 $387,305 (10.4%) $427,567 (11.0%) 1.01 367
    2022-03-01 $369,463 (2.0%) $427,384 (9.8%) 0.92 347
    2022-04-01 $389,999 (8.4%) $439,747 (11.2%) 0.93 365
    2022-05-01 $367,588 (2.1%) $422,910 (-0.1%) 0.84 431
    2022-06-01 $365,049 (8.3%) $427,098 (4.1%) 0.81 455
    2022-07-01 $362,595 (10.2%) $421,377 (6.1%) 0.82 551
    2022-08-01 $371,825 (16.7%) $416,049 (8.0%) 0.86 559
    2022-09-01 $379,386 (26.5%) $423,347 (16.8%) 0.89 563
    2022-10-01 $383,545 (22.8%) $419,338 (16.0%) 0.90 578
    2022-11-01 $387,450 (17.9%) $422,881 (10.5%) 0.93 615
    2022-12-01 $407,450 (16.4%) $433,708 (8.9%) 1.01 583
    2023-01-01 $439,476 (18.8%) $454,926 (8.5%) 1.09 523
    2023-02-01 $441,275 (13.9%) $455,262 (6.5%) 1.06 501
    2023-03-01 $447,500 (21.1%) $469,822 (9.9%) 1.06 458
    2023-04-01 $444,900 (14.1%) $469,027 (6.7%) 1.03 497
    2023-05-01 $447,700 (21.8%) $485,892 (14.9%) 1.02 535
    2023-06-01 $445,125 (21.9%) $497,704 (16.5%) 1.00 542
    2023-07-01 $437,900 (20.8%) $486,376 (15.4%) 1.00 570
    2023-08-01 $411,200 (10.6%) $476,511 (14.5%) 0.94 620
    2023-09-01 $399,450 (5.3%) $466,112 (10.1%) 0.93 677
    2023-10-01 $396,200 (3.3%) $463,483 (10.5%) 0.93 747
    2023-11-01 $389,850 (0.6%) $453,644 (7.3%) 0.93 765
    2023-12-01 $389,900 (-4.3%) $454,963 (4.9%) 0.95 647
    2024-01-01 $389,950 (-11.3%) $459,750 (1.1%) 0.95 546
    2024-02-01 $398,575 (-9.7%) $479,859 (5.4%) 0.96 499
    2024-03-01 $403,900 (-9.7%) $480,725 (2.3%) 0.95 525
    2024-04-01 $413,675 (-7.0%) $483,031 (3.0%) 0.96 567
    2024-05-01 $429,950 (-4.0%) $497,635 (2.4%) 0.98 587
    2024-06-01 $399,999 (-10.1%) $475,948 (-4.4%) 0.91 646
    2024-07-01 $398,975 (-8.9%) $474,635 (-2.4%) 0.91 679
    2024-08-01 $379,950 (-7.6%) $454,167 (-4.7%) 0.88 742
    2024-09-01 $379,950 (-4.9%) $456,838 (-2.0%) 0.89 786
    2024-10-01 $380,000 (-4.1%) $453,180 (-2.2%) 0.89 818
    2024-11-01 $379,825 (-2.6%) $454,766 (0.3%) 0.91 823
    2024-12-01 $379,950 (-2.6%) $457,322 (0.5%) 0.94 732
    2025-01-01 $394,500 (1.2%) $472,017 (2.7%) 0.99 668
    2025-02-01 $401,188 (0.7%) $482,898 (0.6%) 0.97 629
    2025-03-01 $404,950 (0.3%) $473,194 (-1.6%) 0.00 632
    Lincoln's median listing price for 2025-03-01 was $404,950, a difference of $1,050 (0.3%) versus the prior year and $3,762 versus the prior month.

    Lincoln's median listing price comes in at 0% of the national average.

    Lincoln's average listing price for 2025-03-01 was $473,194, a difference of $-7,531 (-1.6%) versus the prior year and $-9,704 versus the prior month.

    For the 2025-03-01 period, Lincoln had 632 MLS listings, a difference of 3 listings (0%) versus the prior month and 107 listings (20%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Lincoln (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 53 days 1,605 sqft
    2018-02-01 51 days 1,625 sqft
    2018-03-01 49 days 1,644 sqft
    2018-04-01 45 days 1,654 sqft
    2018-05-01 39 days 1,651 sqft
    2018-06-01 40 days 1,661 sqft
    2018-07-01 41 days 1,636 sqft
    2018-08-01 43 days 1,600 sqft
    2018-09-01 46 days 1,596 sqft
    2018-10-01 43 days 1,588 sqft
    2018-11-01 44 days 1,569 sqft
    2018-12-01 54 days 1,551 sqft
    2019-01-01 58 days 1,548 sqft
    2019-02-01 51 days 1,565 sqft
    2019-03-01 51 days 1,788 sqft
    2019-04-01 42 days 2,207 sqft
    2019-05-01 33 days 2,371 sqft
    2019-06-01 36 days 2,399 sqft
    2019-07-01 38 days 2,361 sqft
    2019-08-01 36 days 2,308 sqft
    2019-09-01 36 days 2,268 sqft
    2019-10-01 38 days 2,241 sqft
    2019-11-01 47 days 2,243 sqft
    2019-12-01 57 days 2,242 sqft
    2020-01-01 64 days 2,322 sqft
    2020-02-01 59 days 2,340 sqft
    2020-03-01 41 days 2,412 sqft
    2020-04-01 43 days 2,386 sqft
    2020-05-01 52 days 2,411 sqft
    2020-06-01 53 days 2,447 sqft
    2020-07-01 53 days 2,396 sqft
    2020-08-01 43 days 2,274 sqft
    2020-09-01 45 days 2,226 sqft
    2020-10-01 46 days 2,170 sqft
    2020-11-01 46 days 2,143 sqft
    2020-12-01 52 days 2,084 sqft
    2021-01-01 58 days 2,110 sqft
    2021-02-01 53 days 2,182 sqft
    2021-03-01 53 days 2,263 sqft
    2021-04-01 50 days 2,179 sqft
    2021-05-01 46 days 2,171 sqft
    2021-06-01 43 days 2,183 sqft
    2021-07-01 40 days 2,123 sqft
    2021-08-01 41 days 2,082 sqft
    2021-09-01 41 days 2,039 sqft
    2021-10-01 37 days 2,106 sqft
    2021-11-01 45 days 2,121 sqft
    2021-12-01 57 days 2,151 sqft
    2022-01-01 51 days 2,213 sqft
    2022-02-01 43 days 2,227 sqft
    2022-03-01 47 days 2,191 sqft
    2022-04-01 40 days 2,239 sqft
    2022-05-01 35 days 2,229 sqft
    2022-06-01 39 days 2,249 sqft
    2022-07-01 38 days 2,228 sqft
    2022-08-01 39 days 2,265 sqft
    2022-09-01 43 days 2,301 sqft
    2022-10-01 39 days 2,316 sqft
    2022-11-01 39 days 2,336 sqft
    2022-12-01 52 days 2,375 sqft
    2023-01-01 55 days 2,417 sqft
    2023-02-01 45 days 2,446 sqft
    2023-03-01 50 days 2,502 sqft
    2023-04-01 43 days 2,495 sqft
    2023-05-01 38 days 2,516 sqft
    2023-06-01 41 days 2,539 sqft
    2023-07-01 40 days 2,507 sqft
    2023-08-01 39 days 2,436 sqft
    2023-09-01 37 days 2,410 sqft
    2023-10-01 37 days 2,367 sqft
    2023-11-01 42 days 2,314 sqft
    2023-12-01 48 days 2,339 sqft
    2024-01-01 58 days 2,346 sqft
    2024-02-01 47 days 2,372 sqft
    2024-03-01 40 days 2,416 sqft
    2024-04-01 38 days 2,459 sqft
    2024-05-01 35 days 2,469 sqft
    2024-06-01 39 days 2,318 sqft
    2024-07-01 38 days 2,235 sqft
    2024-08-01 38 days 2,173 sqft
    2024-09-01 40 days 2,173 sqft
    2024-10-01 38 days 2,186 sqft
    2024-11-01 41 days 2,206 sqft
    2024-12-01 47 days 2,223 sqft
    2025-01-01 56 days 2,245 sqft
    2025-02-01 47 days 2,317 sqft
    2025-03-01 0 days 2,334 sqft
    Lincoln's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Lincoln's median square footage for active listings during the 2025-03-01 period was 2,334 sqft. One year prior, the average listing was 2,416 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.