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
6.87%
for the week of 2023-03-16, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2023-03-09) was
6.7% and
one month ago for the week of 2023-02-09, the
average rate was 6.39%.
Lincoln's average rate one year ago was 3.38%.
For refis of the same type during the week of 2023-03-16, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-03-16 | 6.6% |
| Lincoln 30 Year Fixed Rate | 2023-03-16 | 6.87% |
| Lincoln 30 Year Fixed Rate Refi | 2023-03-16 | 7.01% |
| Lincoln 15 Year Fixed Rate | 2023-03-16 | 6.81% |
| Lincoln 15 Year Fixed Rate Refi | 2023-03-16 | 6.18% |
| Lincoln 30 Year FHA | 2023-03-16 | 6.34% |
| Lincoln 30 Year FHA Refi | 2023-03-16 | 6.1% |
| Lincoln 30 Year USDA | 2023-03-16 | 6.07% |
| Lincoln 30 Year USDA Refi | 2023-03-16 | 5.68% |
| Lincoln 30 Year VA | 2023-03-16 | 5.85% |
| Lincoln 30 Year VA Refi | 2023-03-16 | 6% |
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 155 lenders originated 8,855
loans during 2022. The total origination value was $2,130,875,000, with an average loan value of
$240,641.
LINCOLN's average closing costs are $2,968.
The top LINCOLN lender as defined by loan originations is Union Bank and Trust Company, with
407 loans originated. Their average total fees are
$2,356, which is $116
lower than the next largest lender,
Lincoln FSB of Nebraska.
The lowest fee LINCOLN lenders (with over 10 loans originated) are
Security First Bank ($2,210), Pinnacle Bank ($2,238), CORNHUSKER BANK ($2,309), LIBERTY FIRST ($2,343) and Union Bank and Trust Company ($2,356).
The lowest rate LINCOLN lenders (with over 10 loans originated) are
Bank of America (3.99%), Capitol Federal Savings Bank (4.25%), AMERISAVE MORTGAGE CORPORATION (4.27%), FREEDOM MORTGAGE CORPORATION (4.29%) and Citizens Bank (4.34%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| Union Bank and Trust Company | $265,465,000 | $192,925,000 | -27.3% | 9.1% |
| Lincoln FSB of Nebraska | $280,775,000 | $185,770,000 | -33.8% | 8.7% |
| Pinnacle Bank | $216,195,000 | $180,010,000 | -16.7% | 8.4% |
| CORNHUSKER BANK | $216,065,000 | $152,575,000 | -29.4% | 7.2% |
| West Gate Bank | $273,315,000 | $117,295,000 | -57.1% | 5.5% |
| GERSHMAN INVESTMENT CORP. | $113,765,000 | $99,480,000 | -12.6% | 4.7% |
| LIBERTY FIRST | $189,020,000 | $81,075,000 | -57.1% | 3.8% |
| Frontier Bank | $85,360,000 | $64,390,000 | -24.6% | 3.0% |
| U.S. Bank | $110,475,000 | $59,935,000 | -45.7% | 2.8% |
| QUICKEN LOANS, LLC | $156,185,000 | $57,360,000 | -63.3% | 2.7% |
| Wells Fargo Bank | $144,760,000 | $56,760,000 | -60.8% | 2.7% |
| Security First Bank | $66,950,000 | $51,995,000 | -22.3% | 2.4% |
| CHARTER WEST BANK | $94,045,000 | $51,925,000 | -44.8% | 2.4% |
| First National Bank of Omaha | $117,305,000 | $51,305,000 | -56.3% | 2.4% |
| Prosperity Home Mortgage, LLC | $55,550,000 | $43,420,000 | -21.8% | 2.0% |
| American National Bank | $1,325,000 | $37,985,000 | 2,766.8% | 1.8% |
| Capitol Federal Savings Bank | $7,830,000 | $36,545,000 | 366.7% | 1.7% |
| CATTLE BANK & TRUST | $31,045,000 | $35,060,000 | 12.9% | 1.6% |
| First Bank | $43,025,000 | $28,970,000 | -32.7% | 1.4% |
| Citizens Bank | $46,805,000 | $24,515,000 | -47.6% | 1.2% |
| CMG MORTGAGE, INC. | $5,300,000 | $21,945,000 | 314.1% | 1.0% |
| First State Bank Nebraska | $26,460,000 | $20,915,000 | -21.0% | 1.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $38,050,000 | $20,695,000 | -45.6% | 1.0% |
| Exchange Bank | $24,225,000 | $20,040,000 | -17.3% | 0.9% |
| Mortgage Research Center, LLC | $29,955,000 | $18,250,000 | -39.1% | 0.9% |
| First Interstate Bank | $17,670,000 | n/a | 0.8% | |
| John Hancock Life Insurance Company (U.S.A.) | $16,505,000 | n/a | 0.8% | |
| MORIA DEVELOPMENT, INC. | $29,470,000 | $16,185,000 | -45.1% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $54,730,000 | $13,840,000 | -74.7% | 0.6% |
| WALKER & DUNLOP, LLC | $13,315,000 | n/a | 0.6% | |
| Five Points Bank | $17,755,000 | $13,050,000 | -26.5% | 0.6% |
| U.S. HOME MORTGAGE, INC. | $24,030,000 | $12,715,000 | -47.1% | 0.6% |
| JPMorgan Chase Bank | $14,885,000 | $11,095,000 | -25.5% | 0.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $11,135,000 | $10,990,000 | -1.3% | 0.5% |
| LOANDEPOT.COM, LLC | $27,525,000 | $10,705,000 | -61.1% | 0.5% |
| DELMAR FINANCIAL COMPANY | $12,400,000 | $10,455,000 | -15.7% | 0.5% |
| Midwest Bank | $7,885,000 | $9,885,000 | 25.4% | 0.5% |
| Plains Commerce Bank | $14,670,000 | $9,565,000 | -34.8% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $21,155,000 | $9,325,000 | -55.9% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $16,525,000 | $8,535,000 | -48.4% | 0.4% |
| Financial Funding Solutions, Inc. | $9,145,000 | $8,315,000 | -9.1% | 0.4% |
| Regent Financial Group, Inc. | $17,020,000 | $7,475,000 | -56.1% | 0.4% |
| HOME POINT FINANCIAL CORPORATION | $14,565,000 | $7,205,000 | -50.5% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $4,825,000 | $6,295,000 | 30.5% | 0.3% |
| CALIBER HOME LOANS, INC. | $16,870,000 | $6,185,000 | -63.3% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $18,850,000 | $5,850,000 | -69.0% | 0.3% |
| Core Bank | $5,270,000 | $5,750,000 | 9.1% | 0.3% |
| Nebraska Bank of Commerce | $6,170,000 | $5,410,000 | -12.3% | 0.3% |
| The Huntington National Bank | $1,960,000 | $5,380,000 | 174.5% | 0.3% |
| NEWREZ LLC | $8,900,000 | $5,305,000 | -40.4% | 0.2% |
| Flagstar Bank, FSB | $8,965,000 | $5,200,000 | -42.0% | 0.2% |
| Bank of America | $5,865,000 | $5,045,000 | -14.0% | 0.2% |
| BROKER SOLUTIONS, INC. | $7,005,000 | $4,795,000 | -31.5% | 0.2% |
| First Nebraska Bank | $6,395,000 | $4,715,000 | -26.3% | 0.2% |
| USAA Federal Savings Bank | $7,715,000 | $4,535,000 | -41.2% | 0.2% |
| Farm Credit Mid-America, ACA | $3,950,000 | $4,085,000 | 3.4% | 0.2% |
| Access Bank | $2,805,000 | $4,010,000 | 43.0% | 0.2% |
| VERIDIAN CREDIT UNION | $15,530,000 | $3,875,000 | -75.0% | 0.2% |
| LPS Employees Federal Credit Union | $7,830,000 | $3,815,000 | -51.3% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $3,665,000 | $3,670,000 | 0.1% | 0.2% |
| FIRST NEBRASKA Credit Union | $4,570,000 | $3,660,000 | -19.9% | 0.2% |
| CENTRIS FEDERAL CREDIT UNION | $2,695,000 | $3,370,000 | 25.0% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $9,895,000 | $3,265,000 | -67.0% | 0.2% |
| United Fidelity Funding Corp. | $13,510,000 | $2,965,000 | -78.1% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $7,050,000 | $2,810,000 | -60.1% | 0.1% |
| AMCAP MORTGAGE, LTD. | $3,065,000 | $2,720,000 | -11.3% | 0.1% |
| Home Federal Savings & Loan Association of Grand Island | $5,680,000 | $2,660,000 | -53.2% | 0.1% |
| Gateway First Bank | $6,375,000 | $2,655,000 | -58.4% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $5,325,000 | $2,605,000 | -51.1% | 0.1% |
| Bank of the West | $4,720,000 | $2,575,000 | -45.4% | 0.1% |
| NEW DAY FINANCIAL, LLC | $6,230,000 | $2,425,000 | -61.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $14,530,000 | $2,415,000 | -83.4% | 0.1% |
| UBS Bank USA | $1,925,000 | $2,275,000 | 18.2% | 0.1% |
| GUILD MORTGAGE COMPANY | $4,640,000 | $2,180,000 | -53.0% | 0.1% |
| First State Bank | $720,000 | $2,175,000 | 202.1% | 0.1% |
| The Federal Savings Bank | $2,970,000 | $2,135,000 | -28.1% | 0.1% |
| Arbor Bank | $3,705,000 | $1,980,000 | -46.6% | 0.1% |
| PREMIA MORTGAGE, LLC | $540,000 | $1,865,000 | 245.4% | 0.1% |
| Cobalt Credit Union | $915,000 | $1,730,000 | 89.1% | 0.1% |
| Discover Bank | $970,000 | $1,720,000 | 77.3% | 0.1% |
| Truist | $3,150,000 | $1,690,000 | -46.3% | 0.1% |
| AMERICAN FINANCING CORPORATION | $2,540,000 | $1,675,000 | -34.1% | 0.1% |
| UNION HOME MORTGAGE CORP. | $2,595,000 | $1,655,000 | -36.2% | 0.1% |
| 21ST MORTGAGE CORPORATION | $2,490,000 | $1,645,000 | -33.9% | 0.1% |
| Ally Bank | $7,400,000 | $1,640,000 | -77.8% | 0.1% |
| City National Bank | $525,000 | $1,590,000 | 202.9% | 0.1% |
| FirstBank of Nebraska | $6,305,000 | $1,485,000 | -76.4% | 0.1% |
| Carrington Mortgage Services, LLC | $1,860,000 | $1,475,000 | -20.7% | 0.1% |
| North American Savings Bank, F.S.B. | $3,235,000 | $1,405,000 | -56.6% | 0.1% |
| PNC Bank | $2,540,000 | $1,400,000 | -44.9% | 0.1% |
| Deere Employees Credit Union | $115,000 | $1,350,000 | 1,073.9% | 0.1% |
| First Western Trust Bank | $1,315,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,065,000 | $1,300,000 | -37.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $3,470,000 | $1,260,000 | -63.7% | 0.1% |
| BNC National Bank | $1,695,000 | $1,220,000 | -28.0% | 0.1% |
| Northwest Bank | $1,485,000 | $1,190,000 | -19.9% | 0.1% |
| Great Western Bank | $22,885,000 | $1,155,000 | -95.0% | 0.1% |
| GUARANTEED RATE, INC. | $2,430,000 | $1,155,000 | -52.5% | 0.1% |
| Bell Bank | $205,000 | $1,145,000 | 458.5% | 0.1% |
| Cornerstone Bank | $240,000 | $1,140,000 | 375.0% | 0.1% |
| Bank of Colorado | $1,185,000 | $1,095,000 | -7.6% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,725,000 | $1,055,000 | -61.3% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $5,130,000 | $1,035,000 | -79.8% | 0.0% |
| Northpointe Bank | $1,365,000 | $1,010,000 | -26.0% | 0.0% |
| FINANCE OF AMERICA MORTGAGE LLC | $1,180,000 | $990,000 | -16.1% | 0.0% |
| Bank of Bennington | $2,360,000 | $970,000 | -58.9% | 0.0% |
| BankFirst | $290,000 | $955,000 | 229.3% | 0.0% |
| AMERICAN ADVISORS GROUP | $1,340,000 | $945,000 | -29.5% | 0.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,115,000 | $940,000 | -55.6% | 0.0% |
| Dundee Bank | $2,625,000 | $930,000 | -64.6% | 0.0% |
| Foundation One Bank | $930,000 | n/a | 0.0% | |
| NBKC BANK | $4,170,000 | $925,000 | -77.8% | 0.0% |
| Availa Bank | $860,000 | n/a | 0.0% | |
| Bank of England | $245,000 | $860,000 | 251.0% | 0.0% |
| Midwest Heritage Bank FSB | $1,920,000 | $845,000 | -56.0% | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $2,395,000 | $840,000 | -64.9% | 0.0% |
| Figure Lending LLC | $720,000 | $830,000 | 15.3% | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | $375,000 | $820,000 | 118.7% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $1,455,000 | $755,000 | -48.1% | 0.0% |
| PHH Mortgage Corporation | $1,270,000 | $750,000 | -40.9% | 0.0% |
| First PREMIER Bank | $450,000 | $740,000 | 64.4% | 0.0% |
| First Internet Bank of Indiana | $715,000 | n/a | 0.0% | |
| Merchants Bank | $695,000 | n/a | 0.0% | |
| Wyndham Capital Mortgage, Inc. | $4,080,000 | $670,000 | -83.6% | 0.0% |
| Chickasaw Community Bank | $2,825,000 | $655,000 | -76.8% | 0.0% |
| ZILLOW HOME LOANS, LLC | $2,435,000 | $655,000 | -73.1% | 0.0% |
| Goldwater Bank, N.A. | $325,000 | $640,000 | 96.9% | 0.0% |
| CENTENNIAL LENDING, LLC | $3,635,000 | $635,000 | -82.5% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $410,000 | $620,000 | 51.2% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $290,000 | $610,000 | 110.3% | 0.0% |
| Alliance Bank Central Texas | $605,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $185,000 | $595,000 | 221.6% | 0.0% |
| FirstBank | $705,000 | $595,000 | -15.6% | 0.0% |
| PLANET HOME LENDING, LLC | $1,790,000 | $580,000 | -67.6% | 0.0% |
| Adams Bank & Trust | $800,000 | $575,000 | -28.1% | 0.0% |
| Bank of Whittier | $555,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $155,000 | $535,000 | 245.2% | 0.0% |
| Commerce Bank | $155,000 | $525,000 | 238.7% | 0.0% |
| HANSCOM | $35,000 | $505,000 | 1,342.9% | 0.0% |
| Equitable Bank | $3,990,000 | $500,000 | -87.5% | 0.0% |
| M&T Bank | $845,000 | $465,000 | -45.0% | 0.0% |
| THRIVENT Federal Credit Union | $25,000 | $460,000 | 1,740.0% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,490,000 | $450,000 | -69.8% | 0.0% |
| CLEARPATH LENDING | $3,135,000 | $450,000 | -85.6% | 0.0% |
| Commerce Home Mortgage, Inc. | $450,000 | n/a | 0.0% | |
| First Federal Bank of Kansas City | $450,000 | n/a | 0.0% | |
| SOFI LENDING CORP. | $1,415,000 | $440,000 | -68.9% | 0.0% |
| BAY EQUITY LLC | $430,000 | n/a | 0.0% | |
| CHERRY CREEK MORTGAGE, LLC | $1,040,000 | $425,000 | -59.1% | 0.0% |
| First Bank & Trust | $415,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $410,000 | n/a | 0.0% | |
| KELLER MORTGAGE, LLC | $1,850,000 | $405,000 | -78.1% | 0.0% |
| Simmons Bank | $405,000 | n/a | 0.0% | |
| Central National Bank | $2,100,000 | $400,000 | -81.0% | 0.0% |
| RBC Bank, (Georgia) | $390,000 | n/a | 0.0% | |
| BLUELEAF LENDING, LLC | $290,000 | $385,000 | 32.8% | 0.0% |
| SILVER HILL FUNDING, LLC | $850,000 | $370,000 | -56.5% | 0.0% |
| Bank of Springfield | $355,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $4,080,000 | $355,000 | -91.3% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $570,000 | $350,000 | -38.6% | 0.0% |
| MOVEMENT MORTGAGE, LLC | $1,150,000 | $345,000 | -70.0% | 0.0% |
| Amerifirst Financial, Inc. | $335,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $325,000 | n/a | 0.0% | |
| Servion, Inc. | $165,000 | $325,000 | 97.0% | 0.0% |
| Evolve Bank & Trust | $305,000 | n/a | 0.0% | |
| First Horizon Bank | $305,000 | n/a | 0.0% | |
| Quontic Bank | $305,000 | n/a | 0.0% | |
| South State Bank | $305,000 | n/a | 0.0% | |
| METRO CU | $105,000 | $300,000 | 185.7% | 0.0% |
| FRONTIER FINANCIAL, INC. | $355,000 | $285,000 | -19.7% | 0.0% |
| Abbott Laboratories Employees Credit Union | $275,000 | n/a | 0.0% | |
| Devon Bank | $275,000 | n/a | 0.0% | |
| First National Bank of America | $320,000 | $270,000 | -15.6% | 0.0% |
| BOKF | $605,000 | $265,000 | -56.2% | 0.0% |
| First Federal Bank | $1,470,000 | $255,000 | -82.7% | 0.0% |
| FOUR POINTS | $1,645,000 | $255,000 | -84.5% | 0.0% |
| Service Federal Credit Union | $255,000 | n/a | 0.0% | |
| Community First National Bank | $250,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $150,000 | $250,000 | 66.7% | 0.0% |
| Jonah Bank of Wyoming | $245,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $75,000 | $245,000 | 226.7% | 0.0% |
| First Home Bank | $575,000 | $240,000 | -58.3% | 0.0% |
| HOMESTEAD FUNDING CORP. | $835,000 | $235,000 | -71.9% | 0.0% |
| Allied First Bank,sb | $225,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $1,465,000 | $225,000 | -84.6% | 0.0% |
| American National Bank of Minnesota | $215,000 | n/a | 0.0% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $215,000 | n/a | 0.0% | |
| NexBank | $215,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $405,000 | $215,000 | -46.9% | 0.0% |
| Colonial Savings, F.A. | $165,000 | $210,000 | 27.3% | 0.0% |
| Equity Prime Mortgage LLC | $205,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $665,000 | $195,000 | -70.7% | 0.0% |
| Great Southern Bank | $195,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $540,000 | $195,000 | -63.9% | 0.0% |
| Central Bank | $215,000 | $185,000 | -14.0% | 0.0% |
| AmeriHome Mortgage Company, LLC | $175,000 | n/a | 0.0% | |
| Community Mortgage Banc Corporation | $175,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $175,000 | n/a | 0.0% | |
| Meridian Trust Federal Credit Union | $175,000 | n/a | 0.0% | |
| Wallick & Volk, Inc. | $175,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $165,000 | n/a | 0.0% | |
| The Halstead Bank | $165,000 | n/a | 0.0% | |
| Renasant Bank | $865,000 | $155,000 | -82.1% | 0.0% |
| Stride Bank | $155,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $145,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $145,000 | n/a | 0.0% | |
| Citibank | $295,000 | $135,000 | -54.2% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $510,000 | $135,000 | -73.5% | 0.0% |
| Auto Club Trust, FSB | $300,000 | $125,000 | -58.3% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $125,000 | n/a | 0.0% | |
| NUMARK CREDIT UNION | $125,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP. | $135,000 | $115,000 | -14.8% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $880,000 | $105,000 | -88.1% | 0.0% |
| KELLOGG MIDWEST FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $95,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $570,000 | $75,000 | -86.8% | 0.0% |
| Arvest Bank | $1,380,000 | $65,000 | -95.3% | 0.0% |
| OPEN MORTGAGE, LLC | $65,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $60,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $25,000 | n/a | 0.0% |
LINCOLN's top lender by overall market share is Union Bank and Trust Company, with 9.1% market share. In second place, with 8.7%, is Lincoln FSB of Nebraska, having originated $185,770,000 in loans. In third place, with 8.4%, is Pinnacle Bank, having originated $180,010,000 in loans. In fourth place, with 7.2%, is CORNHUSKER BANK, having originated $152,575,000 in loans. In fifth place, with 5.5%, is West Gate Bank, having originated $117,295,000 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 (21.8%) | 1.05 | 643 |
| 2018-02-01 | $299,450 (19.2%) | $358,663 (18.9%) | 1.09 | 612 |
| 2018-03-01 | $319,900 (23.9%) | $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 (8.0%) | $373,405 (10.9%) | 1.05 | 673 |
| 2018-06-01 | $308,900 (9.7%) | $372,102 (12.7%) | 1.03 | 714 |
| 2018-07-01 | $299,916 (11.8%) | $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%) | $352,771 (11.9%) | 0.96 | 875 |
| 2018-10-01 | $275,623 (10.3%) | $343,154 (8.8%) | 0.93 | 946 |
| 2018-11-01 | $271,400 (2.7%) | $334,621 (2.6%) | 0.92 | 982 |
| 2018-12-01 | $272,538 (1.2%) | $332,574 (0.1%) | 0.94 | 891 |
| 2019-01-01 | $273,697 (-3.0%) | $333,553 (-3.3%) | 0.94 | 796 |
| 2019-02-01 | $284,948 (-4.8%) | $343,605 (-4.2%) | 0.96 | 753 |
| 2019-03-01 | $292,889 (-8.4%) | $335,688 (-7.9%) | 0.96 | 730 |
| 2019-04-01 | $296,026 (-8.6%) | $329,558 (-13.2%) | 0.94 | 695 |
| 2019-05-01 | $306,000 (-2.9%) | $341,514 (-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 (-8.8%) | 0.91 | 894 |
| 2019-10-01 | $279,725 (1.5%) | $317,533 (-7.5%) | 0.90 | 928 |
| 2019-11-01 | $282,079 (3.9%) | $317,249 (-5.2%) | 0.92 | 854 |
| 2019-12-01 | $284,900 (4.5%) | $318,270 (-4.3%) | 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 (3.7%) | $338,261 (0.8%) | 0.95 | 641 |
| 2020-04-01 | $304,850 (3.0%) | $337,646 (2.5%) | 0.95 | 701 |
| 2020-05-01 | $319,000 (4.3%) | $358,506 (5.0%) | 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%) | 0.95 | 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%) | 0.84 | 430 |
| 2021-09-01 | $299,950 (-2.6%) | $362,702 (-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 (16.7%) | 0.88 | 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%) | 1.08 | 523 |
| 2023-02-01 | $441,275 (13.9%) | $455,262 (6.5%) | 1.06 | 501 |
LINCOLN's median listing price for 2023-02-01 was $441,275, a difference of
$53,970
(13.9%) versus the prior year and
$1,799 versus the prior month.
LINCOLN's median listing price comes in at 106% of the national average.
LINCOLN's average listing price for 2023-02-01 was $455,262, a difference of $27,695 (6.5%) versus the prior year and $336 versus the prior month.
For the 2023-02-01 period, LINCOLN had 501 MLS listings, a difference of -22 listings (-4%) versus the prior month and 134 listings (37%) versus the prior year.
LINCOLN's median listing price comes in at 106% of the national average.
LINCOLN's average listing price for 2023-02-01 was $455,262, a difference of $27,695 (6.5%) versus the prior year and $336 versus the prior month.
For the 2023-02-01 period, LINCOLN had 501 MLS listings, a difference of -22 listings (-4%) versus the prior month and 134 listings (37%) 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 | 54 days | 1,604 sqft |
| 2018-02-01 | 54 days | 1,624 sqft |
| 2018-03-01 | 51 days | 1,641 sqft |
| 2018-04-01 | 47 days | 1,653 sqft |
| 2018-05-01 | 41 days | 1,650 sqft |
| 2018-06-01 | 42 days | 1,661 sqft |
| 2018-07-01 | 43 days | 1,636 sqft |
| 2018-08-01 | 44 days | 1,599 sqft |
| 2018-09-01 | 47 days | 1,596 sqft |
| 2018-10-01 | 44 days | 1,588 sqft |
| 2018-11-01 | 44 days | 1,570 sqft |
| 2018-12-01 | 57 days | 1,551 sqft |
| 2019-01-01 | 59 days | 1,549 sqft |
| 2019-02-01 | 53 days | 1,566 sqft |
| 2019-03-01 | 52 days | 1,785 sqft |
| 2019-04-01 | 42 days | 2,204 sqft |
| 2019-05-01 | 33 days | 2,371 sqft |
| 2019-06-01 | 36 days | 2,396 sqft |
| 2019-07-01 | 39 days | 2,361 sqft |
| 2019-08-01 | 37 days | 2,308 sqft |
| 2019-09-01 | 38 days | 2,268 sqft |
| 2019-10-01 | 39 days | 2,241 sqft |
| 2019-11-01 | 50 days | 2,243 sqft |
| 2019-12-01 | 59 days | 2,242 sqft |
| 2020-01-01 | 66 days | 2,322 sqft |
| 2020-02-01 | 61 days | 2,340 sqft |
| 2020-03-01 | 43 days | 2,412 sqft |
| 2020-04-01 | 44 days | 2,386 sqft |
| 2020-05-01 | 52 days | 2,411 sqft |
| 2020-06-01 | 54 days | 2,447 sqft |
| 2020-07-01 | 54 days | 2,396 sqft |
| 2020-08-01 | 45 days | 2,274 sqft |
| 2020-09-01 | 47 days | 2,226 sqft |
| 2020-10-01 | 47 days | 2,170 sqft |
| 2020-11-01 | 51 days | 2,143 sqft |
| 2020-12-01 | 54 days | 2,084 sqft |
| 2021-01-01 | 60 days | 2,110 sqft |
| 2021-02-01 | 58 days | 2,182 sqft |
| 2021-03-01 | 58 days | 2,263 sqft |
| 2021-04-01 | 55 days | 2,179 sqft |
| 2021-05-01 | 50 days | 2,171 sqft |
| 2021-06-01 | 45 days | 2,183 sqft |
| 2021-07-01 | 42 days | 2,123 sqft |
| 2021-08-01 | 43 days | 2,082 sqft |
| 2021-09-01 | 42 days | 2,039 sqft |
| 2021-10-01 | 38 days | 2,106 sqft |
| 2021-11-01 | 46 days | 2,121 sqft |
| 2021-12-01 | 58 days | 2,151 sqft |
| 2022-01-01 | 54 days | 2,213 sqft |
| 2022-02-01 | 44 days | 2,227 sqft |
| 2022-03-01 | 48 days | 2,191 sqft |
| 2022-04-01 | 43 days | 2,239 sqft |
| 2022-05-01 | 37 days | 2,227 sqft |
| 2022-06-01 | 39 days | 2,249 sqft |
| 2022-07-01 | 39 days | 2,228 sqft |
| 2022-08-01 | 39 days | 2,265 sqft |
| 2022-09-01 | 43 days | 2,301 sqft |
| 2022-10-01 | 40 days | 2,316 sqft |
| 2022-11-01 | 40 days | 2,336 sqft |
| 2022-12-01 | 53 days | 2,375 sqft |
| 2023-01-01 | 55 days | 2,417 sqft |
| 2023-02-01 | 46 days | 2,446 sqft |
LINCOLN's median listing age (time on market) for 2023-02-01 was 46 days.
This
is 5%
longer
than the same period one year ago.
LINCOLN's median square footage for active listings during the 2023-02-01 period was 2,446 sqft. One year prior, the average listing was 2,227 sqft.
LINCOLN's median square footage for active listings during the 2023-02-01 period was 2,446 sqft. One year prior, the average listing was 2,227 sqft.
LINCOLN, NE Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 68003 | Lincoln, NE | $630 | $720 | $890 | $1,200 | $1,340 |
| 68017 | Lincoln, NE | $560 | $610 | $790 | $1,100 | $1,330 |
| 68065 | Lincoln, NE | $560 | $610 | $790 | $1,100 | $1,330 |
| 68301 | Lincoln, NE | $670 | $750 | $960 | $1,340 | $1,560 |
| 68317 | Lincoln, NE | $720 | $790 | $1,020 | $1,420 | $1,650 |
| 68331 | Lincoln, NE | $630 | $690 | $890 | $1,240 | $1,440 |
| 68333 | Lincoln, NE | $580 | $640 | $830 | $1,160 | $1,350 |
| 68336 | Lincoln, NE | $670 | $730 | $950 | $1,290 | $1,530 |
| 68339 | Lincoln, NE | $560 | $630 | $810 | $1,110 | $1,340 |
| 68347 | Lincoln, NE | $660 | $760 | $940 | $1,260 | $1,420 |
| 68358 | Lincoln, NE | $560 | $610 | $790 | $1,100 | $1,330 |
| 68360 | Lincoln, NE | $760 | $900 | $1,140 | $1,560 | $1,950 |
| 68366 | Lincoln, NE | $830 | $940 | $1,160 | $1,560 | $1,740 |
| 68368 | Lincoln, NE | $760 | $840 | $1,080 | $1,500 | $1,750 |
| 68372 | Lincoln, NE | $800 | $880 | $1,140 | $1,590 | $1,850 |
| 68402 | Lincoln, NE | $710 | $780 | $1,010 | $1,410 | $1,640 |
| 68404 | Lincoln, NE | $750 | $820 | $1,060 | $1,480 | $1,730 |
| 68419 | Lincoln, NE | $690 | $760 | $980 | $1,370 | $1,590 |
| 68423 | Lincoln, NE | $560 | $610 | $790 | $1,100 | $1,330 |
| 68428 | Lincoln, NE | $760 | $840 | $1,080 | $1,500 | $1,750 |
| 68430 | Lincoln, NE | $930 | $1,030 | $1,330 | $1,850 | $2,160 |
| 68438 | Lincoln, NE | $630 | $690 | $890 | $1,240 | $1,440 |
| 68461 | Lincoln, NE | $820 | $900 | $1,160 | $1,610 | $1,870 |
| 68462 | Lincoln, NE | $630 | $720 | $890 | $1,200 | $1,350 |
| 68465 | Lincoln, NE | $630 | $690 | $890 | $1,240 | $1,440 |
| 68501 | Lincoln, NE | $630 | $690 | $890 | $1,240 | $1,440 |
| 68502 | Lincoln, NE | $560 | $610 | $790 | $1,100 | $1,330 |
| 68503 | Lincoln, NE | $560 | $610 | $790 | $1,100 | $1,330 |
| 68504 | Lincoln, NE | $620 | $680 | $880 | $1,230 | $1,430 |
| 68505 | Lincoln, NE | $670 | $740 | $950 | $1,320 | $1,540 |
| 68506 | Lincoln, NE | $700 | $780 | $1,000 | $1,390 | $1,620 |
| 68507 | Lincoln, NE | $600 | $670 | $860 | $1,200 | $1,390 |
| 68508 | Lincoln, NE | $560 | $610 | $790 | $1,100 | $1,330 |
| 68510 | Lincoln, NE | $560 | $610 | $790 | $1,100 | $1,330 |
| 68512 | Lincoln, NE | $740 | $820 | $1,060 | $1,480 | $1,720 |
| 68514 | Lincoln, NE | $630 | $690 | $890 | $1,240 | $1,440 |
| 68516 | Lincoln, NE | $690 | $760 | $980 | $1,360 | $1,590 |
| 68517 | Lincoln, NE | $580 | $640 | $820 | $1,140 | $1,340 |
| 68520 | Lincoln, NE | $930 | $1,030 | $1,330 | $1,850 | $2,160 |
| 68521 | Lincoln, NE | $650 | $710 | $920 | $1,280 | $1,490 |
| 68522 | Lincoln, NE | $680 | $750 | $970 | $1,350 | $1,570 |
| 68523 | Lincoln, NE | $750 | $830 | $1,070 | $1,490 | $1,730 |
| 68524 | Lincoln, NE | $630 | $690 | $890 | $1,240 | $1,440 |
| 68526 | Lincoln, NE | $880 | $970 | $1,250 | $1,740 | $2,030 |
| 68527 | Lincoln, NE | $700 | $780 | $1,000 | $1,380 | $1,600 |
| 68528 | Lincoln, NE | $770 | $850 | $1,100 | $1,530 | $1,780 |
| 68529 | Lincoln, NE | $630 | $690 | $890 | $1,240 | $1,440 |
| 68531 | Lincoln, NE | $680 | $740 | $960 | $1,330 | $1,550 |
| 68532 | Lincoln, NE | $750 | $820 | $1,070 | $1,480 | $1,730 |
| 68542 | Lincoln, NE | $630 | $690 | $890 | $1,240 | $1,440 |
| 68588 | Lincoln, NE | $630 | $690 | $890 | $1,240 | $1,440 |
2022 Average & Median Rent Data Statistics
LINCOLN, NE average 1BR rent: $747, median: $730
LINCOLN, NE average 2BR rent: $960, median: $940
LINCOLN, NE average 3BR rent: $1,332, median: $1,280
LINCOLN, NE Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 5,147 | $1,490,575,000 | $289,601 |
| Cash Out Refi | 1,362 | $241,180,000 | $177,078 |
| Refi | 1,265 | $292,155,000 | $230,953 |
| Home Improvement | 597 | $49,055,000 | $82,169 |
| Other | 483 | $41,405,000 | $85,725 |
| NA | 1 | $16,505,000 | $16,505,000 |
Lincoln's most frequently cited loan purpose was Home Purchase, with 5,147 originations. The 2nd most popular reason was Cash Out Refi, with 1,362 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2,201 | $539,355,000 | $245,050 |
| 5-6% | 2,148 | $486,530,000 | $226,504 |
| 4-5% | 2,055 | $648,275,000 | $315,462 |
| 6-7% | 924 | $180,900,000 | $195,779 |
| 2.5-3% | 427 | $110,735,000 | $259,333 |
| 7-8% | 258 | $36,600,000 | $141,860 |
| <2.5% | 250 | $34,530,000 | $138,120 |
| Over 8% | 125 | $8,615,000 | $68,920 |
During 2022, Lincoln's most frequently originated rate bucket was 3-4%, with 2,201 originations.
Loan Sizing (LINCOLN, NE MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 3,235 | $879,575,000 | $271,893 |
| $100k-200k | 2,854 | $435,520,000 | $152,600 |
| $100,000 or less | 1,940 | $98,630,000 | $50,840 |
| $400k-600k | 595 | $277,685,000 | $466,697 |
| $600k-1000k | 164 | $118,690,000 | $723,720 |
| $Over $1MM | 67 | $320,775,000 | $4,787,687 |
LINCOLN's loan sizing saw the bucket of loans from $200k-400k with 3,235 originations, totaling $879,575,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 3,065 | $821,845,000 | $268,139 |
| 60-80% | 2,484 | $817,290,000 | $329,022 |
| Under 20% | 1,040 | $54,230,000 | $52,144 |
| 40-60% | 906 | $205,960,000 | $227,329 |
| 20-40% | 777 | $92,005,000 | $118,411 |
| Over 100% | 76 | $31,160,000 | $410,000 |
LINCOLN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 3,065 originations, totaling $821,845,000 in origination value.