Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$2,600
median across reports
vs. National Average
60%
below national avg
Avg Origination Charge
$1,238
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,238 | $3,743 | 🟢 Below Avg |
| discount_points | $840 | $3,585 | 🟢 Below Avg |
| lender_credits | $450 | $1,150 | 🟢 Below Avg |
Got a Loan Estimate from Lincoln FSB of Nebraska? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 1,032 homebuyer-submitted Closing Disclosures, Lincoln FSB of Nebraska's median total closing costs are $2,600. This is about 60% below the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
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Average Closing Costs by State
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Aggregates from Lincoln FSB of Nebraska's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
787
Ranked #461 nationally
Median Total Costs
$2,764
−58.6% vs national ($6,680)
Median Rate
6.375%
−1.8% vs national (6.490%)
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 |
| This lender | Nebraska median | National median | |
|---|---|---|---|
| Total Closing Costs | $2,727 | $3,509 | $6,680 |
| Interest Rate | 6.250% | 6.500% | 6.490% |
| Originations in state | 764 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 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 | — |