Purchase Originations
787
Ranked #461 nationally
Median Total Costs
$2,764
−58.6% vs national ($6,680)
↑ $98 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$883
Median Lender Credits
$75
Cost Rank (500+ vol.)
#35
among lenders with 500+ originations
Denial Rate
2.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 589 | 6.500% | $2,534 | $889 |
| fha | 131 | 6.000% | $6,937 | $984 |
| va | 60 | 6.000% | $3,255 | $875 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Nebraska | 764 | 6.250% | $2,727 | #5 |
| Iowa | 9 | 6.500% | $3,110 | — |
| Colorado | 2 | 6.188% | $3,714 | — |
| Illinois | 2 | 6.562% | $5,884 | — |
| North Carolina | 2 | 6.312% | $9,453 | — |
| Arizona | 1 | 6.625% | $5,024 | — |
| Florida | 1 | 6.500% | $3,447 | — |
| Missouri | 1 | 7.250% | $3,674 | — |
| New Mexico | 1 | 6.875% | $2,504 | — |
| Nevada | 1 | 6.750% | $5,100 | — |
| Ohio | 1 | 6.625% | $7,881 | — |
| Oregon | 1 | 6.125% | $6,615 | — |
| Texas | 1 | 5.625% | $12,722 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,063 | 6.875% | — | 5 | −$701 | |
| 2 | $2,409 | 6.625% | — | 4 | −$355 | |
| 3 | $2,489 | 6.625% | — | 3 | −$275 | |
| 4 | $2,498 | 6.875% | — | 1 | −$266 | |
| 5 | $2,540 | 6.250% | — | 543 | −$224 | |
| 6 | $2,658 | 6.250% | — | 9 | −$106 | |
| 7 | $2,667 | 6.125% | — | 9 | −$97 | |
| 8 | $2,807 | 6.750% | — | 3 | +$43 | |
| 9 | $2,906 | 6.125% | — | 3 | +$142 | |
| 10 | $2,942 | 6.438% | — | 12 | +$178 | |
| 11 | $3,044 | 6.000% | — | 26 | +$280 | |
| 12 | $3,052 | 6.000% | — | 12 | +$288 | |
| 13 | $3,110 | 6.875% | — | 3 | +$346 | |
| 14 | $3,152 | 6.375% | — | 71 | +$388 | |
| 15 | $3,292 | 6.125% | — | 13 | +$528 | |
| 16 | $3,300 | 6.188% | — | 8 | +$536 | |
| 17 | $3,371 | 6.250% | — | 29 | +$607 | |
| 18 | $3,448 | 6.125% | — | 2 | +$684 | |
| 19 | $3,612 | 6.438% | — | 2 | +$848 | |
| 20 | $4,656 | 6.250% | — | 2 | +$1,892 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Lincoln FSB of Nebraska | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $2,764 | $7,127 | −$4,363 (−61.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.