LINCOLN Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Lincoln averaged 5.55% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.32% and one month ago for the week of 2022-04-07, the average rate was 4.87%.

Lincoln's average rate one year ago was 3.13%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.49%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Lincoln 30 Year Fixed Rate 2022-05-12 5.55%
Lincoln 30 Year Fixed Rate Refi 2022-05-12 5.49%
Lincoln 15 Year Fixed Rate 2022-05-12 4.56%
Lincoln 15 Year Fixed Rate Refi 2022-05-12 4.67%
Lincoln 30 Year FHA 2022-05-12 5.47%
Lincoln 30 Year FHA Refi 2022-05-12 4.98%
Lincoln 30 Year USDA 2022-05-12 5.2%
Lincoln 30 Year USDA Refi 2022-05-12 5.34%
Lincoln 30 Year VA 2022-05-12 5.1%
Lincoln 30 Year VA Refi 2022-05-12 4.79%
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 lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Union Bank and Trust Company 756 3.01% $1,987
Lincoln FSB of Nebraska 682 2.91% $1,796
West Gate Bank 599 2.92% $2,274
LIBERTY FIRST 510 2.91% $1,854
Pinnacle Bank 449 2.82% $1,654
Wells Fargo Bank 369 3.14% $2,352
QUICKEN LOANS, LLC 350 3.11% $4,517
GERSHMAN INVESTMENT CORP. 336 3.15% $2,844
CORNHUSKER BANK 323 2.99% $1,512
U.S. Bank 293 3.16% $2,450
CHARTER WEST BANK 286 2.97% $2,386
First National Bank of Omaha 247 3.05% $2,362
Prosperity Home Mortgage, LLC 170 3.10% $2,678
Frontier Bank 155 2.98% $2,238
Security First Bank 154 2.93% $1,903
Citizens Bank 151 2.91% $1,994
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 118 3.19% $2,887
First Bank 109 3.04% $2,979
MORIA DEVELOPMENT, INC. 85 3.30% $3,119
U.S. HOME MORTGAGE, INC. 74 2.86% $1,752
LOANDEPOT.COM, LLC 60 3.06% $4,540
AMERISAVE MORTGAGE CORPORATION 56 2.95% $4,421
Regent Financial Group, Inc. 55 3.19% $3,025
Great Western Bank 52 3.06% $2,636
DELMAR FINANCIAL COMPANY 44 3.03% $2,273
United Fidelity Funding Corp. 39 3.18% $3,067
Plains Commerce Bank 37 3.00% $2,599
JPMorgan Chase Bank 33 3.04% $2,715
Mr. Cooper ( Nationstar Mortgage ) 32 3.35% $4,573
Financial Funding Solutions, Inc. 31 3.16% $2,513
UNITED WHOLESALE MORTGAGE, LLC 29 3.07% $2,865
MUTUAL OF OMAHA MORTGAGE, INC. 28 3.15% $3,781
HOME POINT FINANCIAL CORPORATION 27 3.19% $2,274
BETTER MORTGAGE CORPORATION 26 2.91% $3,543
Flagstar Bank, FSB 25 3.07% $2,800
PENNYMAC LOAN SERVICES, LLC 25 3.51% $5,526
CALIBER HOME LOANS, INC. 23 3.23% $2,441
Paramount Residential Mortgage Group, Inc. 20 3.27% $2,433
Ally Bank 18 2.99% $4,090
BROKER SOLUTIONS, INC. 16 3.04% $4,722
FREEDOM MORTGAGE CORPORATION 16 3.20% $1,880
CMG MORTGAGE, INC. 16 3.19% $2,708
NEWREZ LLC 15 3.27% $3,965
Bank of America 15 2.68% $2,566
First Nebraska Bank 14 3.20% $1,993
Core Bank 13 3.12% $1,886
CENTENNIAL LENDING, LLC 11 3.01% $4,768
PLAZA HOME MORTGAGE, INC. 10 2.84% $1,444
Bank of the West 10 3.20% $3,350
GUILD MORTGAGE COMPANY 10 3.22% $2,412
Arbor Bank 10 3.00% $2,101
Gateway First Bank 10 2.90% $1,844
Equitable Bank 10 3.18% $1,542
Exchange Bank 10 2.80% $1,837
Farm Credit Mid-America, ACA 8 3.65% $7,105
VERIDIAN CREDIT UNION 8 2.78% $1,667
Capitol Federal Savings Bank 8 2.81% $3,832
AMERICAN FINANCING CORPORATION 8 3.23% $3,309
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 3.28% $3,067
Five Points Bank 7 2.82% $1,699
CHURCHILL MORTGAGE CORPORATION 7 3.23% $3,371
KELLER MORTGAGE, LLC 7 2.82% $1,426
CROSSCOUNTRY MORTGAGE, LLC 7 3.21% $4,502
NBKC BANK 7 2.98% $1,515
Chickasaw Community Bank 7 3.09% $2,435
Access Bank 7 3.04% $2,001
ZILLOW HOME LOANS, LLC 6 3.13% $4,540
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 6 3.25% $4,484
Central National Bank 6 3.00% $1,860
Home Federal Savings & Loan Association of Grand Island 6 3.17% $1,679
Truist Bank 6 3.15% $3,188
Wyndham Capital Mortgage, Inc. 6 3.13% $1,320
CENTRIS FEDERAL CREDIT UNION 5 3.15% $2,273
Northwest Bank 5 2.73% $1,694
AMCAP MORTGAGE, LTD. 5 3.40% $2,954
PHH Mortgage Corporation 5 3.28% $4,645
FINANCE OF AMERICA MORTGAGE LLC 5 3.52% $2,040
GUARANTEED RATE, INC. 5 3.18% $3,020
PENTAGON FEDERAL CREDIT UNION 4 2.88% $2,916
NAVY FEDERAL CREDIT UNION 4 3.16% $5,041
MUTUAL FIRST 4 3.28% $2,693
Mortgage Research Center, LLC 4 2.53% $3,836
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 3.15% $2,860
CORTRUST MORTGAGE, INC. 4 2.63% $2,883
Midwest Heritage Bank FSB 4 3.31% $1,858
UNION HOME MORTGAGE CORP. 4 3.25% $1,907
Dundee Bank 4 3.06% $2,015
North American Savings Bank, F.S.B. 3 3.29% $1,168
LENDERFI, INC. 3 2.96% $1,330
The Federal Savings Bank 3 3.13% $2,508
FirstBank 3 2.79% $1,403
Strong Home Mortgage, LLC 3 3.50% $1,826
Discover Bank 3 5.08% $0
STEARNS LENDING, LLC 3 3.08% $2,658
Arvest Bank 3 3.17% $2,606
Renasant Bank 3 2.79% $3,105
American National Bank 3 3.63% $2,764
PNC Bank 3 3.29% $5,346
Northpointe Bank 3 3.25% $5,433
LAKEVIEW LOAN SERVICING, LLC 3 3.71% $2,941
First Guaranty Mortgage Corporation 2 3.19% $1,867
First National Bank of America 2 7.50% $7,366
FLAT BRANCH MORTGAGE, INC. 2 3.19% $2,216
DAS Acquisition Company, LLC 2 2.88% $2,817
Heritage Bank 2 2.69% $2,201
CORNERSTONE HOME LENDING, INC. 2 3.56% $2,141
HOMESTEAD FUNDING CORP. 2 2.69% $2,927
LEADERONE FINANCIAL CORPORATION 2 3.38% $3,679
Magnolia Bank 2 2.81% $6,497
Manufacturers and Traders Trust Company 2 3.25% $2,984
Morgan Stanley Private Bank 2 2.75% $3,407
PLANET HOME LENDING, LLC 2 3.69% $1,540
PREMIA MORTGAGE, LLC 2 2.94% $1,230
Bank of Colorado 2 2.94% $4,793
Auto Club Trust, FSB 2 3.31% $2,908
RUOFF MORTGAGE COMPANY, INC. 2 2.81% $1,882
SOFI LENDING CORP. 2 2.94% $3,585
Stifel Bank and Trust 2 2.94% $1,772
SUN WEST MORTGAGE COMPANY, INC. 2 2.88% $1,939
The Huntington National Bank 2 3.06% $3,609
TIAA, FSB 2 3.06% $3,635
UBS Bank USA 2 2.63% $3,606
Commerce Bank 1 3.00% $2,426
KS StateBank 1 3.38% $3,833
COMMUNITYAMERICA 1 3.00% $3,015
Cornerstone Bank 1 3.38% $1,550
ON Q FINANCIAL, INC. 1 2.75% $3,018
CANOPY MORTGAGE, LLC 1 2.88% $2,242
BOKF 1 3.00% $6,525
IOWA BANKERS MORTGAGE CORPORATION 1 2.88% $2,354
INTERCAP LENDING INC. 1 3.25% $2,829
BNC National Bank 1 2.75% $2,658
BLUELEAF LENDING, LLC 1 2.88% $2,071
First PREMIER Bank 1 2.88% $3,233
BLACK HILLS FEDERAL CREDIT UNION 1 2.99% $5,319
INLAND BANK & TRUST 1 3.50% $3,037
POLARIS HOME FUNDING CORP. 1 3.88% $5,410
USAA Federal Savings Bank 1 3.00% $2,282
Bell Bank 1 2.88% $2,293
Barrington Bank & Trust Company, N.A. 1 3.13% $3,703
AMERICAN INTERNET MORTGAGE, INC. 1 2.75% $2,456
AMERICAN FINANCIAL NETWORK, INC. 1 2.88% $10,960
Adams Bank & Trust 1 2.75% $2,085
US MORTGAGE CORPORATION 1 4.38% $4,651
GUARANTY HOME MORTGAGE CORPORATION 1 3.13% $2,644
Servion, Inc. 1 3.00% $2,798
Fidelity Bank 1 3.13% $2,369
Solarity Credit Union 1 2.88% $6,090
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 3.00% $2,571
Waterstone Mortgage Corporation 1 3.75% $2,940
DRAPER AND KRAMER MORTGAGE CORP. 1 3.13% $2,668
Alerus Financial 1 2.50% $1,809
The Central Trust Bank 1 2.25% $2,755
Flanagan State Bank 1 3.25% $2,793
First National Bank 1 2.88% $2,180
Think Mutual Bank 1 3.13% $4,361
FIRST COMMUNITY MORTGAGE, INC. 1 3.00% $1,915
Triumph Bank 1 2.75% $1,973
ACADEMY MORTGAGE CORPORATION 1 3.50% $2,463
First Home Bank 1 2.99% $7,916
DUPACO COMMUNITY 1 2.88% $3,251
Equity Bank 1 3.13% $1,722
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 3.00% $8,878
METRO CU 1 3.13% $1,958
UNITED MORTGAGE CORP. 1 3.38% $2,740
City National Bank 1 2.63% $3,592
Loan Simple, Inc. 1 3.38% $2,805
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 2.88% $1,561
MOVEMENT MORTGAGE, LLC 1 2.88% $6,426
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 3.38% $3,009
Cobalt Credit Union 1 2.88% $2,317
CHEVRON 1 2.88% $2,445
COLUMBIA COMMUNITY CREDIT UNION 1 3.50% $2,799
NBH Bank 1 2.75% $2,117
CHERRY CREEK MORTGAGE, LLC 1 2.88% $123

LINCOLN, NE's 175 lenders originated 15,869 loans during 2021. The total origination value was $3,377,535,000, with an average loan value of $212,839.

The top LINCOLN lender as defined by loan originations is Union Bank and Trust Company, with 756 loans originated. Their average total fees are $1,987, which is $190 higher than the next largest lender, Lincoln FSB of Nebraska.

The lowest fee LINCOLN lenders (with over 10 loans originated) are PLAZA HOME MORTGAGE, INC. ($1,444), CORNHUSKER BANK ($1,512), Equitable Bank ($1,542), Pinnacle Bank ($1,654) and U.S. HOME MORTGAGE, INC. ($1,752).

The lowest rate LINCOLN lenders (with over 10 loans originated) are Bank of America (2.68%), Exchange Bank (2.80%), Pinnacle Bank (2.82%), PLAZA HOME MORTGAGE, INC. (2.84%) and U.S. HOME MORTGAGE, INC. (2.86%).

LINCOLN, NE Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Lincoln FSB of Nebraska $420,900,000 $280,775,000 -33.3% 8.3%
West Gate Bank $327,950,000 $273,315,000 -16.7% 8.1%
Union Bank and Trust Company $375,955,000 $265,465,000 -29.4% 7.9%
Pinnacle Bank $312,975,000 $216,195,000 -30.9% 6.4%
CORNHUSKER BANK $240,495,000 $216,065,000 -10.2% 6.4%
LIBERTY FIRST $260,555,000 $189,020,000 -27.5% 5.6%
QUICKEN LOANS, LLC $151,375,000 $156,185,000 3.2% 4.6%
Wells Fargo Bank $138,745,000 $144,760,000 4.3% 4.3%
First National Bank of Omaha $114,575,000 $117,305,000 2.4% 3.5%
GERSHMAN INVESTMENT CORP. $92,030,000 $113,765,000 23.6% 3.4%
U.S. Bank $95,685,000 $110,475,000 15.5% 3.3%
CHARTER WEST BANK $121,570,000 $94,045,000 -22.6% 2.8%
Frontier Bank $92,705,000 $85,360,000 -7.9% 2.5%
Security First Bank $76,575,000 $66,950,000 -12.6% 2.0%
Prosperity Home Mortgage, LLC $37,925,000 $55,550,000 46.5% 1.6%
FREEDOM MORTGAGE CORPORATION $70,505,000 $54,730,000 -22.4% 1.6%
Citizens Bank $45,080,000 $46,805,000 3.8% 1.4%
First Bank $52,460,000 $43,025,000 -18.0% 1.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $31,840,000 $38,050,000 19.5% 1.1%
CATTLE BANK & TRUST $30,320,000 $31,045,000 2.4% 0.9%
Mortgage Research Center, LLC $24,440,000 $29,955,000 22.6% 0.9%
MORIA DEVELOPMENT, INC. $24,125,000 $29,470,000 22.2% 0.9%
LOANDEPOT.COM, LLC $17,195,000 $27,525,000 60.1% 0.8%
First State Bank Nebraska $32,880,000 $26,460,000 -19.5% 0.8%
Exchange Bank $18,925,000 $24,225,000 28.0% 0.7%
U.S. HOME MORTGAGE, INC. $21,510,000 $24,030,000 11.7% 0.7%
Great Western Bank $35,080,000 $22,885,000 -34.8% 0.7%
PENNYMAC LOAN SERVICES, LLC $9,395,000 $21,155,000 125.2% 0.6%
AMERISAVE MORTGAGE CORPORATION $13,725,000 $18,850,000 37.3% 0.6%
Five Points Bank $16,990,000 $17,755,000 4.5% 0.5%
Regent Financial Group, Inc. $18,210,000 $17,020,000 -6.5% 0.5%
CALIBER HOME LOANS, INC. $8,060,000 $16,870,000 109.3% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $13,360,000 $16,525,000 23.7% 0.5%
VERIDIAN CREDIT UNION $7,605,000 $15,530,000 104.2% 0.5%
JPMorgan Chase Bank $14,465,000 $14,885,000 2.9% 0.4%
Plains Commerce Bank $4,965,000 $14,670,000 195.5% 0.4%
HOME POINT FINANCIAL CORPORATION $10,250,000 $14,565,000 42.1% 0.4%
BETTER MORTGAGE CORPORATION $6,730,000 $14,530,000 115.9% 0.4%
United Fidelity Funding Corp. $12,795,000 $13,510,000 5.6% 0.4%
DELMAR FINANCIAL COMPANY $16,335,000 $12,400,000 -24.1% 0.4%
UNITED WHOLESALE MORTGAGE, LLC $7,325,000 $11,135,000 52.0% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $10,330,000 $9,895,000 -4.2% 0.3%
Financial Funding Solutions, Inc. $8,695,000 $9,145,000 5.2% 0.3%
Flagstar Bank, FSB $15,955,000 $8,965,000 -43.8% 0.3%
NEWREZ LLC $4,365,000 $8,900,000 103.9% 0.3%
M&T Realty Capital Corporation $8,515,000 n/a 0.3%
Midwest Bank $8,880,000 $7,885,000 -11.2% 0.2%
Capitol Federal Savings Bank $4,910,000 $7,830,000 59.5% 0.2%
LPS Employees Federal Credit Union $7,830,000 n/a 0.2%
USAA Federal Savings Bank $13,655,000 $7,715,000 -43.5% 0.2%
Ally Bank $1,610,000 $7,400,000 359.6% 0.2%
Paramount Residential Mortgage Group, Inc. $14,880,000 $7,050,000 -52.6% 0.2%
BROKER SOLUTIONS, INC. $4,185,000 $7,005,000 67.4% 0.2%
Arbor Realty Trust, Inc. $6,555,000 n/a 0.2%
First Nebraska Bank $13,765,000 $6,395,000 -53.5% 0.2%
Gateway First Bank $15,555,000 $6,375,000 -59.0% 0.2%
FirstBank of Nebraska $6,170,000 $6,305,000 2.2% 0.2%
NEW DAY FINANCIAL, LLC $4,065,000 $6,230,000 53.3% 0.2%
Nebraska Bank of Commerce $3,935,000 $6,170,000 56.8% 0.2%
Bank of America $3,910,000 $5,865,000 50.0% 0.2%
Home Federal Savings & Loan Association of Grand Island $1,160,000 $5,680,000 389.7% 0.2%
LAKEVIEW LOAN SERVICING, LLC $3,360,000 $5,325,000 58.5% 0.2%
CMG MORTGAGE, INC. $3,250,000 $5,300,000 63.1% 0.2%
Core Bank $9,740,000 $5,270,000 -45.9% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $1,775,000 $5,130,000 189.0% 0.2%
NAVY FEDERAL CREDIT UNION $6,590,000 $4,825,000 -26.8% 0.1%
Bank of the West $7,125,000 $4,720,000 -33.8% 0.1%
GUILD MORTGAGE COMPANY $8,080,000 $4,640,000 -42.6% 0.1%
FIRST NEBRASKA Credit Union $4,720,000 $4,570,000 -3.2% 0.1%
NBKC BANK $4,270,000 $4,170,000 -2.3% 0.1%
PLAZA HOME MORTGAGE, INC. $2,465,000 $4,080,000 65.5% 0.1%
Wyndham Capital Mortgage, Inc. $195,000 $4,080,000 1,992.3% 0.1%
Equitable Bank $5,250,000 $3,990,000 -24.0% 0.1%
Farm Credit Mid-America, ACA $8,050,000 $3,950,000 -50.9% 0.1%
Arbor Bank $4,715,000 $3,705,000 -21.4% 0.1%
PENTAGON FEDERAL CREDIT UNION $1,730,000 $3,665,000 111.8% 0.1%
CENTENNIAL LENDING, LLC $1,785,000 $3,635,000 103.6% 0.1%
CHURCHILL MORTGAGE CORPORATION $6,430,000 $3,470,000 -46.0% 0.1%
North American Savings Bank, F.S.B. $1,980,000 $3,235,000 63.4% 0.1%
Truist Bank $6,615,000 $3,150,000 -52.4% 0.1%
CLEARPATH LENDING $6,420,000 $3,135,000 -51.2% 0.1%
AMCAP MORTGAGE, LTD. $900,000 $3,065,000 240.6% 0.1%
The Federal Savings Bank $6,200,000 $2,970,000 -52.1% 0.1%
Chickasaw Community Bank $6,140,000 $2,825,000 -54.0% 0.1%
Grandbridge Real Estate Capital LLC $2,815,000 n/a 0.1%
Access Bank $4,600,000 $2,805,000 -39.0% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $4,200,000 $2,725,000 -35.1% 0.1%
CENTRIS FEDERAL CREDIT UNION $2,170,000 $2,695,000 24.2% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $1,595,000 $2,660,000 66.8% 0.1%
Dundee Bank $3,955,000 $2,625,000 -33.6% 0.1%
UNION HOME MORTGAGE CORP. $2,595,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $3,100,000 $2,540,000 -18.1% 0.1%
PNC Bank $6,390,000 $2,540,000 -60.3% 0.1%
21ST MORTGAGE CORPORATION $1,795,000 $2,490,000 38.7% 0.1%
ZILLOW HOME LOANS, LLC $1,165,000 $2,435,000 109.0% 0.1%
GUARANTEED RATE, INC. $685,000 $2,430,000 254.7% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,775,000 $2,395,000 -13.7% 0.1%
Bank of Bennington $2,755,000 $2,360,000 -14.3% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,600,000 $2,205,000 37.8% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $415,000 $2,115,000 409.6% 0.1%
Central National Bank $4,515,000 $2,100,000 -53.5% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $2,150,000 $2,065,000 -4.0% 0.1%
The Huntington National Bank $1,960,000 n/a 0.1%
LENDERFI, INC. $1,925,000 n/a 0.1%
UBS Bank USA $1,430,000 $1,925,000 34.6% 0.1%
Midwest Heritage Bank FSB $2,920,000 $1,920,000 -34.2% 0.1%
Carrington Mortgage Services, LLC $1,775,000 $1,860,000 4.8% 0.1%
KELLER MORTGAGE, LLC $5,300,000 $1,850,000 -65.1% 0.1%
Magnolia Bank $1,635,000 $1,850,000 13.1% 0.1%
PLANET HOME LENDING, LLC $2,160,000 $1,790,000 -17.1% 0.1%
First Guaranty Mortgage Corporation $425,000 $1,760,000 314.1% 0.1%
BNC National Bank $2,160,000 $1,695,000 -21.5% 0.1%
FOUR POINTS $800,000 $1,645,000 105.6% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $1,280,000 $1,490,000 16.4% 0.0%
Northwest Bank $940,000 $1,485,000 58.0% 0.0%
First Federal Bank $2,205,000 $1,470,000 -33.3% 0.0%
Stifel Bank and Trust $2,095,000 $1,465,000 -30.1% 0.0%
Morgan Stanley Private Bank $1,460,000 n/a 0.0%
CASTLE & COOKE MORTGAGE, LLC $1,675,000 $1,455,000 -13.1% 0.0%
Low VA Rates, LLC $1,660,000 $1,450,000 -12.7% 0.0%
SOFI LENDING CORP. $1,680,000 $1,415,000 -15.8% 0.0%
Arvest Bank $405,000 $1,380,000 240.7% 0.0%
Northpointe Bank $1,620,000 $1,365,000 -15.7% 0.0%
AMERICAN ADVISORS GROUP $425,000 $1,340,000 215.3% 0.0%
American National Bank $4,395,000 $1,325,000 -69.9% 0.0%
PHH Mortgage Corporation $1,295,000 $1,270,000 -1.9% 0.0%
CANOPY MORTGAGE, LLC $1,235,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $1,450,000 $1,225,000 -15.5% 0.0%
Bank of Colorado $650,000 $1,185,000 82.3% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $400,000 $1,180,000 195.0% 0.0%
MOVEMENT MORTGAGE, LLC $1,095,000 $1,150,000 5.0% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,050,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $375,000 $1,040,000 177.3% 0.0%
Discover Bank $645,000 $970,000 50.4% 0.0%
Strong Home Mortgage, LLC $655,000 $930,000 42.0% 0.0%
Cobalt Credit Union $3,575,000 $915,000 -74.4% 0.0%
FINANCE OF AMERICA REVERSE LLC $65,000 $880,000 1,253.8% 0.0%
Texana Bank $880,000 n/a 0.0%
Renasant Bank $1,285,000 $865,000 -32.7% 0.0%
First National Bank $225,000 $860,000 282.2% 0.0%
SILVER HILL FUNDING, LLC $850,000 n/a 0.0%
Manufacturers and Traders Trust Company $115,000 $845,000 634.8% 0.0%
TIAA, FSB $1,160,000 $840,000 -27.6% 0.0%
FIRST STATE MORTGAGE SERVICES, LLC $3,035,000 $835,000 -72.5% 0.0%
HOMESTEAD FUNDING CORP. $235,000 $835,000 255.3% 0.0%
Adams Bank & Trust $2,195,000 $800,000 -63.6% 0.0%
MUTUAL FIRST $125,000 $750,000 500.0% 0.0%
Figure Lending LLC $370,000 $720,000 94.6% 0.0%
First State Bank $1,055,000 $720,000 -31.8% 0.0%
FirstBank $1,305,000 $705,000 -46.0% 0.0%
LENDINGONE, LLC $690,000 n/a 0.0%
DAS Acquisition Company, LLC $435,000 $665,000 52.9% 0.0%
BOKF $245,000 $605,000 146.9% 0.0%
CORTRUST MORTGAGE, INC. $780,000 $605,000 -22.4% 0.0%
GENEVA FINANCIAL, LLC $580,000 n/a 0.0%
First Home Bank $575,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $1,840,000 $570,000 -69.0% 0.0%
RUOFF MORTGAGE COMPANY, INC. $175,000 $570,000 225.7% 0.0%
ACCELERATE MORTGAGE, LLC $440,000 $565,000 28.4% 0.0%
KS StateBank $930,000 $550,000 -40.9% 0.0%
LEADERONE FINANCIAL CORPORATION $325,000 $540,000 66.2% 0.0%
PREMIA MORTGAGE, LLC $245,000 $540,000 120.4% 0.0%
City National Bank $765,000 $525,000 -31.4% 0.0%
Alerus Financial $325,000 $515,000 58.5% 0.0%
The Central Trust Bank $915,000 $515,000 -43.7% 0.0%
FLAT BRANCH MORTGAGE, INC. $1,985,000 $510,000 -74.3% 0.0%
POLARIS HOME FUNDING CORP. $500,000 n/a 0.0%
Farmers Bank & Trust $465,000 n/a 0.0%
STEARNS LENDING, LLC $465,000 n/a 0.0%
Heritage Bank $125,000 $460,000 268.0% 0.0%
First PREMIER Bank $450,000 n/a 0.0%
NMSI, INC. $435,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $1,140,000 $410,000 -64.0% 0.0%
NOVA FINANCIAL & INVESTMENT CORPORATION $405,000 n/a 0.0%
Axos Bank $670,000 $380,000 -43.3% 0.0%
IOWA BANKERS MORTGAGE CORPORATION $790,000 $375,000 -52.5% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $155,000 $370,000 138.7% 0.0%
ACADEMY MORTGAGE CORPORATION $365,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $365,000 n/a 0.0%
American State Bank $360,000 n/a 0.0%
US MORTGAGE CORPORATION $360,000 n/a 0.0%
FRONTIER FINANCIAL, INC. $540,000 $355,000 -34.3% 0.0%
Ixonia Bank $215,000 $355,000 65.1% 0.0%
CIT Bank $100,000 $340,000 240.0% 0.0%
DUPACO COMMUNITY $490,000 $330,000 -32.7% 0.0%
Goldwater Bank, N.A. $235,000 $325,000 38.3% 0.0%
First National Bank of America $245,000 $320,000 30.6% 0.0%
Flanagan State Bank $315,000 n/a 0.0%
Washington County Bank $825,000 $310,000 -62.4% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $155,000 $305,000 96.8% 0.0%
Auto Club Trust, FSB $300,000 n/a 0.0%
Citibank $1,105,000 $295,000 -73.3% 0.0%
BankFirst $845,000 $290,000 -65.7% 0.0%
BLUELEAF LENDING, LLC $145,000 $290,000 100.0% 0.0%
CORNERSTONE HOME LENDING, INC. $195,000 $290,000 48.7% 0.0%
CITYWIDE HOME LOANS, LLC $285,000 n/a 0.0%
Solarity Credit Union $285,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $1,050,000 $270,000 -74.3% 0.0%
CHEVRON $265,000 n/a 0.0%
Waterstone Mortgage Corporation $255,000 n/a 0.0%
UNITED MORTGAGE CORP. $250,000 n/a 0.0%
Bank of England $280,000 $245,000 -12.5% 0.0%
Cornerstone Bank $350,000 $240,000 -31.4% 0.0%
BLACK HILLS FEDERAL CREDIT UNION $235,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $375,000 $225,000 -40.0% 0.0%
Fidelity Bank $225,000 n/a 0.0%
Central Bank $215,000 n/a 0.0%
COLUMBIA COMMUNITY CREDIT UNION $215,000 n/a 0.0%
Sunflower Bank $215,000 n/a 0.0%
Bell Bank $205,000 n/a 0.0%
First Mortgage Solutions, LLC $205,000 n/a 0.0%
INTERCAP LENDING INC. $205,000 n/a 0.0%
INLAND BANK & TRUST $195,000 n/a 0.0%
Loan Simple, Inc. $195,000 n/a 0.0%
PURDUE FEDERAL CREDIT UNION $195,000 n/a 0.0%
COMMUNITYAMERICA $185,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $335,000 $175,000 -47.8% 0.0%
VALOR BANK $175,000 n/a 0.0%
Colonial Savings, F.A. $465,000 $165,000 -64.5% 0.0%
Midwest Community Bank $165,000 n/a 0.0%
NBH Bank $155,000 $165,000 6.5% 0.0%
Servion, Inc. $205,000 $165,000 -19.5% 0.0%
Think Mutual Bank $165,000 n/a 0.0%
Triumph Bank $165,000 n/a 0.0%
Austin Capital Bank SSB $125,000 $155,000 24.0% 0.0%
CITY FIRST MORTGAGE SERVICES, L.L.C. $115,000 $155,000 34.8% 0.0%
Commerce Bank $155,000 n/a 0.0%
EVERETT FINANCIAL, INC. $155,000 n/a 0.0%
TruHome Solutions, LLC $155,000 $155,000 0.0% 0.0%
SPRING EQ, LLC $460,000 $150,000 -67.4% 0.0%
Florida Capital Bank $245,000 $145,000 -40.8% 0.0%
JAMES B. NUTTER & COMPANY $195,000 $145,000 -25.6% 0.0%
Union State Bank of Fargo $145,000 n/a 0.0%
Equity Bank $135,000 n/a 0.0%
RESIDENTIAL BANCORP. $135,000 n/a 0.0%
ON Q FINANCIAL, INC. $125,000 n/a 0.0%
STANFORD Federal Credit Union $125,000 n/a 0.0%
Deere Employees Credit Union $170,000 $115,000 -32.4% 0.0%
REVERSE MORTGAGE FUNDING LLC $115,000 n/a 0.0%
Merchants Bank of Indiana $105,000 n/a 0.0%
METRO CU $580,000 $105,000 -81.9% 0.0%
American Bank and Trust Company $95,000 n/a 0.0%
INTOUCH CREDIT UNION $95,000 n/a 0.0%
BANKWEST, INC. $85,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $775,000 $75,000 -90.3% 0.0%
Elements Financial Federal Credit Union $55,000 n/a 0.0%
HANSCOM $35,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $35,000 n/a 0.0%
THRIVENT Federal Credit Union $300,000 $25,000 -91.7% 0.0%

LINCOLN's top lender by overall market share is Lincoln FSB of Nebraska, with 8.3% market share. In second place, with 8.1%, is West Gate Bank, having originated $273,315,000 in loans. In third place, with 7.9%, is Union Bank and Trust Company, having originated $265,465,000 in loans. In third place, with 6.4%, is Pinnacle Bank, having originated $216,195,000 in loans. In third place, with 6.4%, is CORNHUSKER BANK, having originated $216,065,000 in loans.


LINCOLN, NE Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 6,194 $1,488,700,000 $240,345
Refi 6,119 $1,235,885,000 $201,975
Cash Out Refi 2,981 $589,705,000 $197,821
Other 310 $32,630,000 $105,258
Home Improvement 263 $29,765,000 $113,175
NA 2 $850,000 $425,000

Lincoln's most frequently cited loan purpose was Home Purchase, with 6,194 originations. The 2nd most popular reason was Refi, with 6,119 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 6,380 $1,407,680,000 $220,639
3-4% 4,488 $1,025,140,000 $228,418
<2.5% 3,444 $707,240,000 $205,354
4-5% 737 $113,975,000 $154,647
5-6% 133 $13,195,000 $99,211
6-7% 49 $2,535,000 $51,735
Over 8% 40 $1,700,000 $42,500
7-8% 21 $1,175,000 $55,952

During 2021, Lincoln's most frequently originated rate bucket was 2.5-3%, with 6,380 originations.

Loan Sizing (LINCOLN, NE MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 6,961 $1,046,505,000 $150,338
$200k-400k 5,744 $1,536,340,000 $267,469
$100,000 or less 2,250 $142,300,000 $63,244
$400k-600k 746 $354,850,000 $475,670
$600k-1000k 112 $81,100,000 $724,107
$Over $1MM 56 $216,440,000 $3,865,000

LINCOLN's loan sizing saw the bucket of loans from $100k-200k with 6,961 originations, totaling $1,046,505,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 6,048 $1,414,570,000 $233,891
80-100% 4,855 $1,167,675,000 $240,510
40-60% 2,438 $430,150,000 $176,436
20-40% 913 $117,365,000 $128,549
Under 20% 567 $26,825,000 $47,310
Over 100% 97 $45,345,000 $467,474

LINCOLN's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 6,048 originations, totaling $1,414,570,000 in origination value.


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 $281,225 (23.4%) $343,745 (21.4%) 1.04 653
2018-02-01 $299,700 (19.3%) $357,059 (19.6%) 1.08 619
2018-03-01 $319,950 (23.3%) $365,788 (19.8%) 1.11 596
2018-04-01 $324,225 (13.8%) $374,399 (12.3%) 1.09 624
2018-05-01 $315,450 (7.3%) $369,702 (9.9%) 1.05 677
2018-06-01 $304,900 (8.4%) $367,812 (11.3%) 1.02 717
2018-07-01 $299,900 (11.1%) $365,026 (13.7%) 1.00 803
2018-08-01 $289,900 (10.4%) $356,126 (12.2%) 0.97 866
2018-09-01 $285,000 (14.0%) $350,436 (11.0%) 0.95 882
2018-10-01 $275,000 (9.0%) $338,723 (7.5%) 0.92 951
2018-11-01 $268,045 (2.5%) $329,836 (1.5%) 0.90 997
2018-12-01 $270,000 (-1.8%) $329,161 (-0.8%) 0.92 901
2019-01-01 $272,450 (-3.1%) $332,048 (-3.4%) 0.94 808
2019-02-01 $286,325 (-4.5%) $342,460 (-4.1%) 0.96 761
2019-03-01 $299,721 (-6.3%) $341,423 (-6.7%) 0.98 1,092
2019-04-01 $304,340 (-6.1%) $340,108 (-9.2%) 0.96 689
2019-05-01 $312,448 (-1.0%) $351,361 (-5.0%) 0.96 846
2019-06-01 $299,900 (-1.6%) $334,850 (-9.0%) 0.92 800
2019-07-01 $299,900 (0.0%) $332,796 (-8.8%) 0.93 781
2019-08-01 $288,424 (-0.5%) $324,635 (-8.8%) 0.91 838
2019-09-01 $278,419 (-2.3%) $316,747 (-9.6%) 0.88 912
2019-10-01 $279,425 (1.6%) $316,418 (-6.6%) 0.89 925
2019-11-01 $280,000 (4.5%) $316,621 (-4.0%) 0.90 858
2019-12-01 $284,950 (5.5%) $317,743 (-3.5%) 0.95 786
2020-01-01 $298,500 (9.6%) $330,547 (-0.5%) 1.00 679
2020-02-01 $304,900 (6.5%) $338,461 (-1.2%) 0.98 607
2020-03-01 $302,900 (1.1%) $337,120 (-1.3%) 0.95 637
2020-04-01 $306,567 (0.7%) $336,716 (-1.0%) 0.96 699
2020-05-01 $319,000 (2.1%) $357,987 (1.9%) 0.97 668
2020-06-01 $327,000 (9.0%) $368,927 (10.2%) 0.95 543
2020-07-01 $329,450 (9.9%) $375,887 (13.0%) 0.94 505
2020-08-01 $315,000 (9.2%) $365,246 (12.5%) 0.90 476
2020-09-01 $310,668 (11.6%) $366,613 (15.7%) 0.89 460
2020-10-01 $299,999 (7.4%) $366,796 (15.9%) 0.86 452
2020-11-01 $328,900 (17.5%) $382,059 (20.7%) 0.94 470
2020-12-01 $334,268 (17.3%) $376,519 (18.5%) 0.98 450
2021-01-01 $334,950 (12.2%) $370,437 (12.1%) 0.99 394
2021-02-01 $352,450 (15.6%) $384,646 (13.7%) 1.01 360
2021-03-01 $362,998 (19.8%) $389,295 (15.5%) 1.02 373
2021-04-01 $359,900 (17.4%) $395,725 (17.5%) 0.97 367
2021-05-01 $359,900 (12.8%) $428,547 (19.7%) 0.95 370
2021-06-01 $343,450 (5.0%) $415,401 (12.6%) 0.89 399
2021-07-01 $331,000 (0.5%) $399,972 (6.4%) 0.86 419
2021-08-01 $319,950 (1.6%) $386,727 (5.9%) 0.84 422
2021-09-01 $300,000 (-3.4%) $365,318 (-0.4%) 0.79 437
2021-10-01 $315,000 (5.0%) $362,432 (-1.2%) 0.83 489
2021-11-01 $329,900 (0.3%) $384,071 (0.5%) 0.87 496
2021-12-01 $350,000 (4.7%) $398,115 (5.7%) 0.93 426
2022-01-01 $380,285 (13.5%) $420,913 (13.6%) 1.01 385
2022-02-01 $394,273 (11.9%) $430,367 (11.9%) 1.00 369
2022-03-01 $384,500 (5.9%) $431,982 (11.0%) 0.95 346
2022-04-01 $398,000 (10.6%) $445,198 (12.5%) 0.94 372
LINCOLN's median listing price for 2022-04-01 was $398,000, a difference of $38,100 (10.6%) versus the prior year and $13,500 versus the prior month.

LINCOLN's median listing price comes in at 94% of the national average.

LINCOLN's average listing price for 2022-04-01 was $445,198, a difference of $49,473 (12.5%) versus the prior year and $13,216 versus the prior month.

For the 2022-04-01 period, LINCOLN had 372 MLS listings, a difference of 26 listings (8%) versus the prior month and 5 listings (1%) 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 1,602 sqft
2018-02-01 54 days 1,624 sqft
2018-03-01 51 days 1,650 sqft
2018-04-01 47 days 1,661 sqft
2018-05-01 40 days 1,653 sqft
2018-06-01 43 days 1,660 sqft
2018-07-01 43 days 1,636 sqft
2018-08-01 44 days 1,596 sqft
2018-09-01 47 days 1,597 sqft
2018-10-01 45 days 1,581 sqft
2018-11-01 44 days 1,568 sqft
2018-12-01 57 days 1,551 sqft
2019-01-01 59 days 1,556 sqft
2019-02-01 52 days 1,567 sqft
2019-03-01 57 days 1,716 sqft
2019-04-01 13 days 2,110 sqft
2019-05-01 31 days 2,404 sqft
2019-06-01 37 days 2,392 sqft
2019-07-01 36 days 2,374 sqft
2019-08-01 36 days 2,296 sqft
2019-09-01 37 days 2,262 sqft
2019-10-01 38 days 2,231 sqft
2019-11-01 46 days 2,248 sqft
2019-12-01 55 days 2,248 sqft
2020-01-01 63 days 2,303 sqft
2020-02-01 60 days 2,384 sqft
2020-03-01 42 days 2,412 sqft
2020-04-01 41 days 2,392 sqft
2020-05-01 50 days 2,446 sqft
2020-06-01 51 days 2,446 sqft
2020-07-01 48 days 2,425 sqft
2020-08-01 43 days 2,290 sqft
2020-09-01 46 days 2,255 sqft
2020-10-01 45 days 2,195 sqft
2020-11-01 45 days 2,230 sqft
2020-12-01 51 days 2,119 sqft
2021-01-01 59 days 2,130 sqft
2021-02-01 56 days 2,198 sqft
2021-03-01 56 days 2,322 sqft
2021-04-01 55 days 2,213 sqft
2021-05-01 51 days 2,213 sqft
2021-06-01 44 days 2,192 sqft
2021-07-01 42 days 2,141 sqft
2021-08-01 40 days 2,109 sqft
2021-09-01 40 days 2,055 sqft
2021-10-01 36 days 2,123 sqft
2021-11-01 42 days 2,123 sqft
2021-12-01 51 days 2,166 sqft
2022-01-01 57 days 2,246 sqft
2022-02-01 44 days 2,243 sqft
2022-03-01 48 days 2,213 sqft
2022-04-01 42 days 2,260 sqft
LINCOLN's median listing age (time on market) for 2022-04-01 was 42 days. This is -23% shorter than the same period one year ago.

LINCOLN's median square footage for active listings during the 2022-04-01 period was 2,260 sqft. One year prior, the average listing was 2,213 sqft.