LINCOLN Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Lincoln averaged
7.03%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.98% and
one month ago for the week of 2025-04-17, the
average rate was 6.6%.
Lincoln's average rate one year ago was 6.99%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.15%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Lincoln 30 Year Fixed Rate | 2025-05-22 | 7.03% |
| Lincoln 30 Year Fixed Rate Refi | 2025-05-22 | 7.15% |
| Lincoln 15 Year Fixed Rate | 2025-05-22 | 6.3% |
| Lincoln 15 Year Fixed Rate Refi | 2025-05-22 | 6.31% |
| Lincoln 30 Year FHA | 2025-05-22 | 6.63% |
| Lincoln 30 Year FHA Refi | 2025-05-22 | 6.71% |
| Lincoln 30 Year USDA | 2025-05-22 | 6.23% |
| Lincoln 30 Year USDA Refi | 2025-05-22 | 6.53% |
| Lincoln 30 Year VA | 2025-05-22 | 6.3% |
| Lincoln 30 Year VA Refi | 2025-05-22 | 6.01% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within LINCOLN, NE.
LINCOLN Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the LINCOLN, NE market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
LINCOLN Average Closing Costs & Other Stats
LINCOLN, NE's 118 lenders originated 7,095
loans during 2024. The total origination value was $1,666,105,000, with an average loan value of
$234,828.
LINCOLN's average closing costs are $3,218.
The top LINCOLN lender as defined by loan originations is Lincoln FSB of Nebraska, with
391 loans originated. Their average total fees are
$2,577, which is $155
lower than the next largest lender,
Union Bank and Trust Company.
The lowest fee LINCOLN lenders (with over 10 loans originated) are
Exchange Bank ($2,043), CORNHUSKER BANK ($2,281), Home Federal Savings & Loan Association of Grand Island ($2,324), Pinnacle Bank ($2,346) and West Gate Bank ($2,508).
The lowest rate LINCOLN lenders (with over 10 loans originated) are
NAVY FEDERAL CREDIT UNION (6.23%), Pinnacle Bank (6.48%), Union Bank and Trust Company (6.49%), West Gate Bank (6.50%) and PENNYMAC LOAN SERVICES, LLC (6.52%).
LINCOLN, NE Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Lincoln FSB of Nebraska | $138,530,000 | $169,545,000 | 22.4% | 10.2% |
| Union Bank and Trust Company | $138,850,000 | $152,640,000 | 9.9% | 9.2% |
| Pinnacle Bank | $100,030,000 | $131,685,000 | 31.6% | 7.9% |
| West Gate Bank | $77,695,000 | $109,660,000 | 41.1% | 6.6% |
| GERSHMAN INVESTMENT CORP. | $72,880,000 | $81,630,000 | 12.0% | 4.9% |
| CORNHUSKER BANK | $67,295,000 | $69,630,000 | 3.5% | 4.2% |
| QUICKEN LOANS, LLC | $41,145,000 | $51,255,000 | 24.6% | 3.1% |
| CMG MORTGAGE, INC. | $44,905,000 | $47,495,000 | 5.8% | 2.9% |
| CHARTER WEST BANK | $47,880,000 | $47,110,000 | -1.6% | 2.8% |
| LIBERTY FIRST | $59,825,000 | $45,135,000 | -24.6% | 2.7% |
| U.S. Bank | $38,890,000 | $43,940,000 | 13.0% | 2.6% |
| Prosperity Home Mortgage, LLC | $35,085,000 | $32,485,000 | -7.4% | 1.9% |
| First National Bank of Omaha | $42,365,000 | $30,290,000 | -28.5% | 1.8% |
| Security First Bank | $25,975,000 | $28,780,000 | 10.8% | 1.7% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $27,335,000 | n/a | 1.6% | |
| First Bank | $22,635,000 | $27,290,000 | 20.6% | 1.6% |
| CITY BANK & TRUST CO. | $30,335,000 | $26,795,000 | -11.7% | 1.6% |
| Frontier Bank | $21,570,000 | $26,760,000 | 24.1% | 1.6% |
| Access Bank | $965,000 | $26,520,000 | 2,648.2% | 1.6% |
| First State Bank Nebraska | $7,335,000 | $25,810,000 | 251.9% | 1.5% |
| Mortgage Research Center, LLC | $15,425,000 | $23,355,000 | 51.4% | 1.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $12,530,000 | $19,645,000 | 56.8% | 1.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $14,075,000 | $15,830,000 | 12.5% | 1.0% |
| Exchange Bank | $22,580,000 | $15,180,000 | -32.8% | 0.9% |
| CATTLE BANK & TRUST | $28,915,000 | $15,140,000 | -47.6% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $8,545,000 | $14,610,000 | 71.0% | 0.9% |
| Home Federal Savings & Loan Association of Grand Island | $2,320,000 | $13,080,000 | 463.8% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $5,125,000 | $12,980,000 | 153.3% | 0.8% |
| Five Points Bank | $5,840,000 | $12,735,000 | 118.1% | 0.8% |
| JPMorgan Chase Bank | $3,300,000 | $11,715,000 | 255.0% | 0.7% |
| Nebraska Bank of Commerce | $8,010,000 | $11,295,000 | 41.0% | 0.7% |
| DELMAR FINANCIAL COMPANY | $10,405,000 | $10,955,000 | 5.3% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $6,645,000 | $9,010,000 | 35.6% | 0.5% |
| NEWREZ LLC | $4,715,000 | $8,550,000 | 81.3% | 0.5% |
| Wells Fargo Bank | $13,645,000 | $8,460,000 | -38.0% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $4,020,000 | $8,425,000 | 109.6% | 0.5% |
| JONES BANK | $7,280,000 | $8,090,000 | 11.1% | 0.5% |
| GUILD MORTGAGE COMPANY | $4,000,000 | $7,630,000 | 90.8% | 0.5% |
| Bank of Bennington | $1,310,000 | $7,145,000 | 445.4% | 0.4% |
| Plains Commerce Bank | $6,810,000 | $7,120,000 | 4.6% | 0.4% |
| Financial Funding Solutions, Inc. | $7,035,000 | $6,610,000 | -6.0% | 0.4% |
| State Bank of Table Rock | $4,320,000 | $6,380,000 | 47.7% | 0.4% |
| Citizens Bank | $10,085,000 | $6,170,000 | -38.8% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,870,000 | $6,110,000 | 57.9% | 0.4% |
| LOANDEPOT.COM, LLC | $4,215,000 | $5,960,000 | 41.4% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $4,065,000 | $5,210,000 | 28.2% | 0.3% |
| LPS Employees Federal Credit Union | $3,955,000 | $5,110,000 | 29.2% | 0.3% |
| Farm Credit Mid-America, ACA | $2,220,000 | $4,960,000 | 123.4% | 0.3% |
| Regent Financial Group, Inc. | $6,130,000 | $4,900,000 | -20.1% | 0.3% |
| USAA Federal Savings Bank | $4,395,000 | $4,785,000 | 8.9% | 0.3% |
| Farmers and Merchants Bank of Ashland | $4,630,000 | $4,540,000 | -1.9% | 0.3% |
| Discover Bank | $2,525,000 | $3,960,000 | 56.8% | 0.2% |
| The Federal Savings Bank | $570,000 | $3,675,000 | 544.7% | 0.2% |
| Bank of America | $6,555,000 | $3,630,000 | -44.6% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $3,545,000 | n/a | 0.2% | |
| CHURCHILL MORTGAGE CORPORATION | $1,580,000 | $3,515,000 | 122.5% | 0.2% |
| Midwest Bank | $9,040,000 | $3,415,000 | -62.2% | 0.2% |
| GUARANTEED RATE, INC. | $3,975,000 | $3,350,000 | -15.7% | 0.2% |
| IOWA BANKERS MORTGAGE CORPORATION | $1,415,000 | $3,285,000 | 132.2% | 0.2% |
| VERIDIAN CREDIT UNION | $4,370,000 | $3,270,000 | -25.2% | 0.2% |
| NBKC BANK | $955,000 | $2,950,000 | 208.9% | 0.2% |
| BMO Harris Bank | $990,000 | $2,580,000 | 160.6% | 0.2% |
| First Interstate Bank | $5,880,000 | $2,535,000 | -56.9% | 0.2% |
| CENTRIS FEDERAL CREDIT UNION | $1,695,000 | $2,475,000 | 46.0% | 0.1% |
| Arbor Bank | $1,265,000 | $2,430,000 | 92.1% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $675,000 | $2,385,000 | 253.3% | 0.1% |
| FirstBank of Nebraska | $2,695,000 | $2,365,000 | -12.2% | 0.1% |
| BROKER SOLUTIONS, INC. | $1,855,000 | $2,325,000 | 25.3% | 0.1% |
| Farmers and Merchants Bank | $2,235,000 | n/a | 0.1% | |
| Heritage Bank | $2,220,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $2,580,000 | $2,170,000 | -15.9% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $375,000 | $2,045,000 | 445.3% | 0.1% |
| Cobalt Credit Union | $1,980,000 | $2,025,000 | 2.3% | 0.1% |
| NEW DAY FINANCIAL, LLC | $685,000 | $2,020,000 | 194.9% | 0.1% |
| University of Nebraska Federal Credit Union | $1,785,000 | $1,975,000 | 10.6% | 0.1% |
| First Nebraska Bank | $1,100,000 | $1,870,000 | 70.0% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $2,525,000 | $1,855,000 | -26.5% | 0.1% |
| Equitable Bank | $3,595,000 | $1,850,000 | -48.5% | 0.1% |
| Flagstar Bank, FSB | $1,105,000 | $1,840,000 | 66.5% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $1,770,000 | n/a | 0.1% | |
| Citizens Bank & Trust Co. | $2,115,000 | $1,735,000 | -18.0% | 0.1% |
| Core Bank | $2,555,000 | $1,615,000 | -36.8% | 0.1% |
| UBS Bank USA | $1,440,000 | $1,510,000 | 4.9% | 0.1% |
| 21ST MORTGAGE CORPORATION | $2,380,000 | $1,480,000 | -37.8% | 0.1% |
| MORIA DEVELOPMENT, INC. | $11,045,000 | $1,415,000 | -87.2% | 0.1% |
| Figure Lending LLC | $1,180,000 | $1,325,000 | 12.3% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $135,000 | $1,275,000 | 844.4% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $205,000 | $1,215,000 | 492.7% | 0.1% |
| CLEARPATH LENDING | $380,000 | $1,140,000 | 200.0% | 0.1% |
| Farmers Bank & Trust | $1,100,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $445,000 | $1,100,000 | 147.2% | 0.1% |
| FIRST NEBRASKA Credit Union | $2,730,000 | $1,085,000 | -60.3% | 0.1% |
| METRO CU | $1,070,000 | n/a | 0.1% | |
| BankFirst | $540,000 | $1,040,000 | 92.6% | 0.1% |
| First Federal Bank | $390,000 | $1,025,000 | 162.8% | 0.1% |
| Ally Bank | $255,000 | $980,000 | 284.3% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,290,000 | $965,000 | -25.2% | 0.1% |
| PLANET HOME LENDING, LLC | $195,000 | $940,000 | 382.1% | 0.1% |
| Foundation One Bank | $715,000 | $905,000 | 26.6% | 0.1% |
| Stifel Bank and Trust | $630,000 | $905,000 | 43.7% | 0.1% |
| Coastal Community Bank | $670,000 | $885,000 | 32.1% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,485,000 | $875,000 | -41.1% | 0.1% |
| The Loan Store, Inc. | $865,000 | n/a | 0.1% | |
| Servion, Inc. | $1,305,000 | $840,000 | -35.6% | 0.1% |
| Gateway First Bank | $1,850,000 | $835,000 | -54.9% | 0.1% |
| Bell Bank | $810,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $25,000 | $810,000 | 3,140.0% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $805,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $570,000 | $800,000 | 40.4% | 0.0% |
| Brighton Bank | $765,000 | n/a | 0.0% | |
| Ixonia Bank | $765,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $760,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $275,000 | $730,000 | 165.5% | 0.0% |
| Northpointe Bank | $285,000 | $695,000 | 143.9% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $690,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $295,000 | $680,000 | 130.5% | 0.0% |
| Truist | $145,000 | $670,000 | 362.1% | 0.0% |
| American National Bank | $1,845,000 | $665,000 | -64.0% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $665,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $155,000 | $650,000 | 319.4% | 0.0% |
| AmeriHome Mortgage Company, LLC | $570,000 | $635,000 | 11.4% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $860,000 | $625,000 | -27.3% | 0.0% |
| First Horizon Bank | $615,000 | n/a | 0.0% | |
| Adams Bank & Trust | $810,000 | $610,000 | -24.7% | 0.0% |
| CARDINAL FINANCIAL | $765,000 | $585,000 | -23.5% | 0.0% |
| BETTER MORTGAGE CORPORATION | $730,000 | $580,000 | -20.5% | 0.0% |
| FOUR POINTS | $295,000 | $580,000 | 96.6% | 0.0% |
| Merchants Bank | $245,000 | $535,000 | 118.4% | 0.0% |
| INB | $245,000 | $505,000 | 106.1% | 0.0% |
| Northwest Bank | $2,955,000 | $505,000 | -82.9% | 0.0% |
| NEXERA HOLDING LLC | $495,000 | n/a | 0.0% | |
| Dundee Bank | $490,000 | n/a | 0.0% | |
| Bank of Springfield | $480,000 | $485,000 | 1.0% | 0.0% |
| OAKTREE FUNDING CORP. | $475,000 | n/a | 0.0% | |
| Raymond James Bank | $1,285,000 | $455,000 | -64.6% | 0.0% |
| The State Bank | $455,000 | n/a | 0.0% | |
| Magnolia Bank | $445,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $185,000 | $425,000 | 129.7% | 0.0% |
| Morgan Stanley Private Bank | $1,750,000 | $425,000 | -75.7% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $420,000 | n/a | 0.0% | |
| Wahoo State Bank | $640,000 | $420,000 | -34.4% | 0.0% |
| Equity Prime Mortgage LLC | $255,000 | $400,000 | 56.9% | 0.0% |
| PHH Mortgage Corporation | $290,000 | $400,000 | 37.9% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $395,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,630,000 | $390,000 | -76.1% | 0.0% |
| SPRING EQ, LLC | $380,000 | $390,000 | 2.6% | 0.0% |
| M&T Bank | $385,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $385,000 | n/a | 0.0% | |
| Think Mutual Bank | $290,000 | $375,000 | 29.3% | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $375,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $385,000 | $365,000 | -5.2% | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | $400,000 | $360,000 | -10.0% | 0.0% |
| Cornerstone Bank | $900,000 | $355,000 | -60.6% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $345,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $475,000 | $340,000 | -28.4% | 0.0% |
| Washington County Bank | $340,000 | n/a | 0.0% | |
| Independent Bank | $335,000 | n/a | 0.0% | |
| First State Bank | $345,000 | $325,000 | -5.8% | 0.0% |
| The Security National Bank of Sioux City, Iowa | $315,000 | n/a | 0.0% | |
| American State Bank | $285,000 | n/a | 0.0% | |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $285,000 | n/a | 0.0% | |
| NFM, INC. | $275,000 | n/a | 0.0% | |
| S1L, Inc. | $270,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $270,000 | n/a | 0.0% | |
| Bank of Whittier | $265,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $690,000 | $260,000 | -62.3% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $255,000 | n/a | 0.0% | |
| Lake Forest Bank & Trust | $255,000 | n/a | 0.0% | |
| Logan Finance Corporation | $255,000 | n/a | 0.0% | |
| Old National Bank | $255,000 | n/a | 0.0% | |
| TENNESSEE VALLEY | $255,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $250,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $245,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $245,000 | $235,000 | -4.1% | 0.0% |
| BOKF | $235,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $235,000 | n/a | 0.0% | |
| First Dakota National Bank | $235,000 | n/a | 0.0% | |
| First International Bank & Trust | $235,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $745,000 | $235,000 | -68.5% | 0.0% |
| V.I.P. MORTGAGE, INC. | $235,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $935,000 | $225,000 | -75.9% | 0.0% |
| Citibank | $235,000 | $225,000 | -4.3% | 0.0% |
| FirstBank | $225,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $225,000 | n/a | 0.0% | |
| Central National Bank | $700,000 | $220,000 | -68.6% | 0.0% |
| CENTENNIAL LENDING, LLC | $215,000 | $215,000 | 0.0% | 0.0% |
| South State Bank | $215,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $125,000 | $215,000 | 72.0% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| Grand Bank for Savings, FSB | $300,000 | $205,000 | -31.7% | 0.0% |
| NBH Bank | $205,000 | n/a | 0.0% | |
| TruHome Solutions, LLC | $585,000 | $205,000 | -65.0% | 0.0% |
| PNC Bank | $1,065,000 | $200,000 | -81.2% | 0.0% |
| COMMUNITYAMERICA | $715,000 | $195,000 | -72.7% | 0.0% |
| First National Bank of America | $195,000 | n/a | 0.0% | |
| NexBank | $195,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $285,000 | $195,000 | -31.6% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $75,000 | $185,000 | 146.7% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $365,000 | $185,000 | -49.3% | 0.0% |
| Capital Bank | $175,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $255,000 | $175,000 | -31.4% | 0.0% |
| Axos Bank | $145,000 | n/a | 0.0% | |
| Bank of Colorado | $275,000 | $145,000 | -47.3% | 0.0% |
| First State Bank of St. Charles, Missouri | $145,000 | n/a | 0.0% | |
| Southwest Airlines Federal Credit Union | $145,000 | n/a | 0.0% | |
| ARCHER COOPERATIVE CREDIT UNION | $265,000 | $105,000 | -60.4% | 0.0% |
| Pathway Bank | $105,000 | n/a | 0.0% | |
| MidFirst Bank | $55,000 | n/a | 0.0% | |
| Community Bank | $45,000 | n/a | 0.0% | |
| First-Citizens Bank & Trust Company | $55,000 | $35,000 | -36.4% | 0.0% |
LINCOLN's top lender by overall market share is Lincoln FSB of Nebraska, with 10.2% market share. In second place, with 9.2%, is Union Bank and Trust Company, having originated $152,640,000 in loans. In third place, with 7.9%, is Pinnacle Bank, having originated $131,685,000 in loans. In fourth place, with 6.6%, is West Gate Bank, having originated $109,660,000 in loans. In fifth place, with 4.9%, is GERSHMAN INVESTMENT CORP., having originated $81,630,000 in loans.
LINCOLN Housing Market Trends (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%) | 0.95 | 632 |
| 2025-04-01 | $416,000 (0.6%) | $476,874 (-1.3%) | 0.96 | 731 |
LINCOLN's median listing price for 2025-04-01 was $416,000, a difference of
$2,325
(0.6%) versus the prior year and
$11,050 versus the prior month.
LINCOLN's median listing price comes in at 96% of the national average.
LINCOLN's average listing price for 2025-04-01 was $476,874, a difference of $-6,157 (-1.3%) versus the prior year and $3,680 versus the prior month.
For the 2025-04-01 period, LINCOLN had 731 MLS listings, a difference of 99 listings (16%) versus the prior month and 164 listings (29%) versus the prior year.
LINCOLN's median listing price comes in at 96% of the national average.
LINCOLN's average listing price for 2025-04-01 was $476,874, a difference of $-6,157 (-1.3%) versus the prior year and $3,680 versus the prior month.
For the 2025-04-01 period, LINCOLN had 731 MLS listings, a difference of 99 listings (16%) versus the prior month and 164 listings (29%) 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 | 40 days | 2,334 sqft |
| 2025-04-01 | 37 days | 2,300 sqft |
LINCOLN's median listing age (time on market) for 2025-04-01 was 37 days.
This
is -3%
shorter
than the same period one year ago.
LINCOLN's median square footage for active listings during the 2025-04-01 period was 2,300 sqft. One year prior, the average listing was 2,459 sqft.
LINCOLN's median square footage for active listings during the 2025-04-01 period was 2,300 sqft. One year prior, the average listing was 2,459 sqft.
LINCOLN, NE Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 4,399 | $1,208,945,000 | $274,823 |
| Refi | 936 | $248,460,000 | $265,449 |
| Cash Out Refi | 719 | $131,325,000 | $182,650 |
| Other | 541 | $42,945,000 | $79,381 |
| Home Improvement | 499 | $34,085,000 | $68,307 |
| NA | 1 | $345,000 | $345,000 |
Lincoln's most frequently cited loan purpose was Home Purchase, with 4,399 originations. The 2nd most popular reason was Refi, with 936 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 3,002 | $775,920,000 | $258,468 |
| 7-8% | 1,271 | $352,295,000 | $277,179 |
| Over 8% | 1,033 | $113,835,000 | $110,198 |
| 5-6% | 848 | $255,600,000 | $301,415 |
| <2.5% | 199 | $2,905,000 | $14,598 |
| 4-5% | 28 | $7,560,000 | $270,000 |
| 3-4% | 18 | $1,000,000 | $55,556 |
| 2.5-3% | 4 | $1,090,000 | $272,500 |
During 2024, Lincoln's most frequently originated rate bucket was 6-7%, with 3,002 originations.
Loan Sizing (LINCOLN, NE MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,825 | $785,685,000 | $278,119 |
| $100k-200k | 1,771 | $274,445,000 | $154,966 |
| $100,000 or less | 1,743 | $82,535,000 | $47,352 |
| $400k-600k | 541 | $256,365,000 | $473,872 |
| $600k-1000k | 178 | $127,790,000 | $717,921 |
| $Over $1MM | 37 | $139,285,000 | $3,764,459 |
LINCOLN's loan sizing saw the bucket of loans from $200k-400k with 2,825 originations, totaling $785,685,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,419 | $706,015,000 | $291,862 |
| 60-80% | 1,406 | $422,030,000 | $300,164 |
| Under 20% | 1,135 | $59,835,000 | $52,718 |
| 20-40% | 749 | $102,665,000 | $137,069 |
| 40-60% | 568 | $175,970,000 | $309,806 |
| Over 100% | 64 | $26,700,000 | $417,188 |
LINCOLN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,419 originations, totaling $706,015,000 in origination value.