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 6.81% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.42% and one month ago for the week of 2025-02-27, the average rate was 6.63%.

Lincoln's average rate one year ago was 6.96%.

For refis of the same type during the week of 2025-04-03, the average rate was 6.43%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Lincoln 30 Year Fixed Rate 2025-04-03 6.81%
Lincoln 30 Year Fixed Rate Refi 2025-04-03 6.43%
Lincoln 15 Year Fixed Rate 2025-04-03 6.01%
Lincoln 15 Year Fixed Rate Refi 2025-04-03 5.82%
Lincoln 30 Year FHA 2025-04-03 5.88%
Lincoln 30 Year FHA Refi 2025-04-03 6.46%
Lincoln 30 Year USDA 2025-04-03 6.32%
Lincoln 30 Year USDA Refi 2025-04-03 6.52%
Lincoln 30 Year VA 2025-04-03 5.84%
Lincoln 30 Year VA Refi 2025-04-03 5.75%
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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Lincoln FSB of Nebraska 391 6.59% $2,577
Union Bank and Trust Company 311 6.49% $2,732
West Gate Bank 268 6.50% $2,508
GERSHMAN INVESTMENT CORP. 200 6.67% $3,048
Pinnacle Bank 161 6.48% $2,346
U.S. Bank 127 6.77% $2,839
CHARTER WEST BANK 119 6.78% $3,230
CORNHUSKER BANK 118 6.69% $2,281
QUICKEN LOANS, LLC 101 6.71% $5,865
LIBERTY FIRST 94 6.67% $3,354
CMG MORTGAGE, INC. 88 6.99% $4,333
First Bank 72 6.54% $3,403
First National Bank of Omaha 69 6.78% $3,488
Security First Bank 55 6.59% $2,658
Prosperity Home Mortgage, LLC 49 7.03% $3,561
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 35 6.81% $3,421
DELMAR FINANCIAL COMPANY 33 6.69% $3,563
Frontier Bank 33 6.83% $2,711
UNITED WHOLESALE MORTGAGE, LLC 33 6.78% $4,536
Wells Fargo Bank 29 6.56% $4,290
Financial Funding Solutions, Inc. 24 6.68% $2,821
JPMorgan Chase Bank 18 6.72% $2,704
GUILD MORTGAGE COMPANY 17 6.78% $3,519
Plains Commerce Bank 16 6.83% $4,279
Regent Financial Group, Inc. 13 6.83% $3,844
Paramount Residential Mortgage Group, Inc. 12 6.84% $5,749
NAVY FEDERAL CREDIT UNION 12 6.23% $4,896
PENNYMAC LOAN SERVICES, LLC 11 6.52% $6,261
MUTUAL OF OMAHA MORTGAGE, INC. 11 6.93% $4,885
Citizens Bank 11 6.92% $2,515
Home Federal Savings & Loan Association of Grand Island 10 6.84% $2,324
Exchange Bank 10 6.60% $2,043
IOWA BANKERS MORTGAGE CORPORATION 9 6.79% $3,037
Mr. Cooper ( Nationstar Mortgage ) 9 6.82% $8,102
Farm Credit Mid-America, ACA 9 7.07% $7,497
LOANDEPOT.COM, LLC 9 6.41% $8,652
Access Bank 7 6.80% $3,064
CHURCHILL MORTGAGE CORPORATION 7 6.80% $5,137
FREEDOM MORTGAGE CORPORATION 6 7.15% $4,644
NEWREZ LLC 6 7.10% $3,637
GUARANTEED RATE, INC. 6 6.80% $3,547
HOMESIDE FINANCIAL, LLC 6 6.79% $3,941
Bank of America 6 6.29% $2,917
VERIDIAN CREDIT UNION 5 5.95% $2,583
CROSSCOUNTRY MORTGAGE, LLC 5 6.99% $4,340
Arbor Bank 4 6.69% $2,933
Servion, Inc. 4 6.56% $3,854
First Interstate Bank 4 6.75% $2,625
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 6.43% $2,579
NBKC BANK 4 6.91% $2,201
UNION HOME MORTGAGE CORP. 4 6.84% $2,675
Ally Bank 4 6.53% $3,406
Flagstar Bank, FSB 4 6.77% $5,518
CENTRIS FEDERAL CREDIT UNION 4 6.84% $2,911
MORIA DEVELOPMENT, INC. 3 6.83% $3,959
FIRST COMMUNITY MORTGAGE, INC. 3 6.91% $3,136
American National Bank 3 6.58% $3,037
The Loan Store, Inc. 3 7.00% $5,810
PENTAGON FEDERAL CREDIT UNION 3 6.71% $3,100
CARDINAL FINANCIAL 3 6.50% $8,286
BMO Harris Bank 3 7.08% $3,423
ZILLOW HOME LOANS, LLC 3 6.46% $3,222
American Mortgage & Equity Consultants, Inc. 3 6.21% $4,675
BROKER SOLUTIONS, INC. 2 7.56% $5,593
Bell Bank 2 7.31% $4,817
Cobalt Credit Union 2 6.88% $1,293
Dundee Bank 2 6.50% $3,928
First Federal Bank 2 7.00% $3,734
FLAT BRANCH MORTGAGE, INC. 2 6.75% $2,828
Gateway First Bank 2 6.75% $2,334
Mortgage Research Center, LLC 2 7.31% $2,237
Stifel Bank and Trust 2 6.19% $2,265
Truist 2 6.50% $6,359
MID AMERICA MORTGAGE, INC. 1 6.63% $3,559
M&T Bank 1 7.63% $9,611
Merchants Bank 1 6.53% $2,339
LAKEVIEW LOAN SERVICING, LLC 1 5.99% $3,420
NBH Bank 1 6.88% $2,735
Ixonia Bank 1 7.99% $12,431
INB 1 6.88% $2,896
NexBank 1 6.99% $2,582
NEXERA HOLDING LLC 1 6.63% $6,630
NFM, INC. 1 6.88% $2,885
Northpointe Bank 1 7.49% $3,640
Northwest Federal Credit Union 1 7.63% $3,263
NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.88% $12,354
Old National Bank 1 6.50% $2,651
Grand Bank for Savings, FSB 1 8.88% $4,979
First State Bank of St. Charles, Missouri 1 6.50% $2,840
First National Bank of America 1 11.38% $8,240
First Horizon Bank 1 6.63% $6,296
First Dakota National Bank 1 6.00% $1,454
PREMIA MORTGAGE, LLC 1 5.88% $1,860
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.75% $2,922
FirstBank 1 6.99% $4,477
FEDEX EMPLOYEES CREDIT ASSOCIATION 1 7.13% $4,816
Raymond James Bank 1 5.75% $2,967
Farmers Bank & Trust 1 5.99% $3,178
Discover Bank 1 7.24% $0
Deere Employees Credit Union 1 5.24% $2,808
South State Bank 1 6.63% $4,695
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 6.00% $7,741
TENNESSEE VALLEY 1 5.09% $4,331
CORNERSTONE HOME LENDING, INC. 1 7.38% $5,170
Think Mutual Bank 1 6.50% $4,075
TOWNE MORTGAGE COMPANY 1 6.75% $3,660
ALLIANT CREDIT UNION 1 5.88% $3,740
UBS Bank USA 1 6.13% $4,359
Core Bank 1 7.38% $2,470
COMMUNITYAMERICA 1 6.50% $3,757
Commerce Home Mortgage, Inc. 1 9.50% $13,672
USAA Federal Savings Bank 1 5.25% $4,192
Barrington Bank & Trust Company, N.A. 1 6.88% $4,162
Bank of Whittier 1 6.00% $2,461
Bank of Colorado 1 6.88% $2,041
Morgan Stanley Private Bank 1 6.75% $2,824
AmeriHome Mortgage Company, LLC 1 6.99% $3,850
MOVEMENT MORTGAGE, LLC 1 6.56% $4,461

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%) 0.00 632
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.

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.