# Lincoln Savings Bank

> **Canonical URL:** https://saferate.com/lenders/lincoln-savings-bank


> **📋 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 Savings Bank is a bank, headquartered in Reinbeck, IA, serving borrowers across 8 states, with 272 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 38% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300XY02VS45I5ZZ90
- **Headquarters:** Reinbeck, IA
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** FL, IA, IL, MN, MO, NE, RI, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.105%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,418
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 272
- **Dollar Volume:** $73 million
- **Applications Received:** 318
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $267,757
- **Average Borrower Income:** $129,478
- **Average Property Value:** $355,368

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 59/100 | 232 | +0.101% | $1,344 | Sound ☺️ |
| FHA | 56/100 | 24 | +0.551% | $1,242 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 215 loans, Score: 60/100 (Strong)

**FHA:**
- Purchase: 23 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 254 | $69M | +0.106% | Strong 😀 |
| Refinance | 32/100 | 18 | $4M | +0.100% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 263 | 0.74% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Des Moines | IA | 131 | 78/100 |
| Waterloo | IA | 67 | 71/100 |
| Non |  | 53 | 47/100 |

## Where This Lender Ranks

Lincoln Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Waterloo for FHA Loans
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Des Moines for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Waterloo
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders)
- 🏆 **#5** in Waterloo for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Iowa for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#8** in Des Moines Banks
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks)
- 🏆 **#9** in Iowa for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#9** in Iowa for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/va-loans)
- 🏆 **#9** in Waterloo for Conventional Loans
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Iowa Banks
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks)
- 🏆 **#12** in Des Moines for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Des Moines for FHA Loans
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Des Moines
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders)
- 🏆 **#15** in Iowa for USDA Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/usda-loans)
- 🏆 **#17** in Iowa for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Lincoln Savings Bank offer?

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

### Where does Lincoln Savings Bank offer mortgages?

Lincoln Savings Bank offers mortgages in 8 states: FL, IA, IL, MN, MO, NE, RI, TX.

### How competitive are Lincoln Savings Bank's mortgage rates?

Lincoln Savings Bank has a pricing score of 62/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.105% above market average.

### What type of lender is Lincoln Savings Bank?

Lincoln Savings Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Reinbeck, IA.

### What is Lincoln Savings Bank's loan approval success rate?

Lincoln Savings Bank has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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-savings-bank

### How to Cite

> "Lincoln Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/lincoln-savings-bank

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