# Lincoln FSB of Nebraska

> **Canonical URL:** https://saferate.com/lenders/lincoln-fsb-of-nebraska


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Lincoln FSB of Nebraska is a bank, headquartered in Lincoln, NE, serving borrowers across 15 states, with 675 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300U82B82JH54TO79
- **Headquarters:** Lincoln, NE
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** AZ, CO, DC, FL, IA, KS, LA, ME, MO, NE, OH, SD, TX, VA, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.025%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,203
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 675
- **Dollar Volume:** $197 million
- **Applications Received:** 812
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $291,904
- **Average Borrower Income:** $129,812
- **Average Property Value:** $391,252

## Safe Rate Awards 🏆

- 💎 **FHA Diamond Champion** (84%)
- 💎 **VA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 523 | +0.029% | $1,254 | Strong 😀 |
| FHA | 72/100 | 91 | -0.015% | $1,045 | Strong 😀 |
| VA | 72/100 | 52 | -0.652% | $873 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 479 loans, Score: 75/100 (Strong)
- Refinance: 44 loans, Score: 60/100 (Strong)

**FHA:**
- Purchase: 82 loans, Score: 71/100 (Strong)

**VA:**
- Purchase: 51 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 620 | $178M | -0.019% | Strong 😀 |
| Refinance | 63/100 | 55 | $19M | -0.078% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 655 | 3.06% | 93/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lincoln, NE | NE | 547 | 100/100 |
| Omaha, NE | NE-IA | 72 | 68/100 |
| Non |  | 42 | 39/100 |

## Where This Lender Ranks

Lincoln FSB of Nebraska appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lincoln, NE
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders)
- 🥇 **#1** in Lincoln, NE Banks
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks)
- 🥇 **#1** in Lincoln, NE for FHA Loans
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Lincoln, NE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Lincoln, NE for VA Loans
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Lincoln, NE for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Nebraska
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders)
- 🥈 **#2** in Nebraska Banks
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks)
- 🥈 **#2** in Nebraska for FHA Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Nebraska for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Nebraska for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Lincoln, NE for Conventional Loans
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Lincoln, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Nebraska for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Nebraska for VA Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Nebraska for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#4** in Nebraska for Conventional Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Nebraska for USDA Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Omaha, NE Banks
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks)
- 🏆 **#5** in Omaha, NE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Lincoln FSB of Nebraska offer?

Lincoln FSB of Nebraska offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Lincoln FSB of Nebraska offer mortgages?

Lincoln FSB of Nebraska offers mortgages in 15 states: AZ, CO, DC, FL, IA, KS, LA, ME, MO, NE, OH, SD, TX, VA, WA.

### How competitive are Lincoln FSB of Nebraska's mortgage rates?

Lincoln FSB of Nebraska has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.025% below market average.

### What type of lender is Lincoln FSB of Nebraska?

Lincoln FSB of Nebraska is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lincoln, NE.

### What is Lincoln FSB of Nebraska's loan approval success rate?

Lincoln FSB of Nebraska has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/lincoln-fsb-of-nebraska

### How to Cite

> "Lincoln FSB of Nebraska Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/lincoln-fsb-of-nebraska

---

**[View Interactive Profile →](https://saferate.com/lenders/lincoln-fsb-of-nebraska)**