Mortgage lending in Lincoln, NE
8,190 mortgages were originated in the Lincoln, NE area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 8,190
- Median rate
- 6.625%
- Median lender fees
- $2,891
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $205,000
- Above the going rate (spread over APOR)
- 0.160
- Paid discount points
- 21.9%
- Received lender credits
- 15.3%
- Purchases / refinances
- 58.9% / 28.5%
- Conventional / FHA / VA
- 84% / 9% / 6.6%
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% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Lincoln, NE area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Union Bank and Trust Company | 835 | $2,744 | 6.500% |
| Lincoln FSB of Nebraska | 769 | $2,483 | 6.375% |
| Pinnacle Bank | 634 | $2,143 | 6.990% |
| Gershman Investment Corp. | 370 | $3,060 | 6.500% |
| West Gate Bank | 367 | $2,664 | 6.500% |
| Rocket Mortgage, LLC | 352 | $4,362 | 6.750% |
| Cornhusker Bank | 342 | — | — |
| Liberty First Credit Union | 321 | $2,248 | 6.750% |
| U.S. Bank National Association | 292 | $2,564 | 6.875% |
| CMG Mortgage, Inc. | 217 | $5,472 | 6.500% |