Mortgage lending in Lancaster County
7,800 mortgages were originated in Lancaster County, Nebraska, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,800
- Median rate
- 6.625%
- Median lender fees
- $2,890
- Median loan amount
- $215,000
- Median spread over APOR
- 0.149
- Paid discount points
- 22.1%
- Received lender credits
- 15.5%
- Purchases / refinances
- 59.1% / 28.5%
- Conventional / FHA / VA
- 84% / 9% / 6.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Lancaster County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Union Bank and Trust Company | 806 | $2,743 | 6.500% |
| Lincoln FSB of Nebraska | 751 | $2,471 | 6.375% |
| Pinnacle Bank | 613 | $2,126 | 7.000% |
| GERSHMAN INVESTMENT CORP. | 365 | $3,057 | 6.500% |
| CORNHUSKER BANK | 338 | — | — |
| WEST GATE BANK | 335 | $2,680 | 6.500% |
| Rocket Mortgage, LLC | 333 | $4,384 | 6.625% |
| LIBERTY FIRST CREDIT UNION | 300 | $2,272 | 6.750% |
| U.S. Bank National Association | 286 | $2,561 | 6.875% |
| CMG MORTGAGE, INC. | 211 | $5,336 | 6.500% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Lancaster County — not a rule of thumb.
From 5,196 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers