First in its home market
It ranks 1 of 249 lenders in Lincoln, with 10.1% of the market, almost unchanged from 10.2% a year earlier. In Omaha it ranks 36 of 417, and its share rose 0.2 points to 0.7%.
Applications / Mortgage Analytics / Lenders / Nebraska / Lincoln FSB of Nebraska
Lincoln FSB of Nebraska
Lincoln, NE · Savings institution · OCC · $388 million assets · 1,120 loans in 2025
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1,120
loans originated, 2025
1,345
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lincoln FSB of Nebraska ranks first among mortgage lenders in Lincoln, Nebraska; it is a home-purchase lender that grew 35% in 2025 and makes far more government-backed loans than similar savings institutions.
Faster growth than most peers
Originations rose 35% to 1,120, against a typical 4% at similar lenders (savings institutions making between half and twice as many loans) and 10% for the whole market; that is higher than more than eight in ten of them. Home purchase made up 82.4% of its loans. Volume is still below the 2,544 loans of 2020.
A government-backed lender among savings institutions
12.6% of its loans were insured by the Federal Housing Administration (FHA), against 0.1% at similar lenders, and 6.9% were guaranteed by the Department of Veterans Affairs (VA), against 0.0%. 33.9% went to low- and moderate-income (LMI) borrowers, against 24.8%, higher than nearly nine in ten peers.
Lower denial rates
It turned down 2.4% of first-lien home-purchase applications on owner-occupied homes, against 5.4% at similar lenders, and 8.6% of refinance applications, against 18.3%. Its typical rate, 6.38%, was also lower than peers' 6.75%.
Questions the data can answer next
- Which Lincoln neighbourhoods and borrower groups do its FHA and VA loans reach, and how does that compare with Pinnacle Bank and Union Bank and Trust Company?
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
1,120 loans in 2025, against a peak of 2,544 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lincoln FSB of Nebraska took 1,345 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
82.4% of its 2025 loans were purchase loans; 79.9% were Conventional.
Purchase 82.4% · Refinance 16.2% · Other 0.8% · Home improvement 0.6%
Conventional 79.9% · FHA 12.6% · VA 6.9% · USDA (RHS or FSA) 0.6% · of 1,120 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
17 states, 21 metros, 62 counties
| State | Loans | Share |
|---|---|---|
| Nebraska | 1,077 | 96.2% |
| Iowa | 14 | 1.2% |
| Colorado | 6 | 0.5% |
| Arizona | 4 | 0.4% |
| Illinois | 3 | 0.3% |
| Kansas | 2 | 0.2% |
| Missouri | 2 | 0.2% |
| North Carolina | 2 | 0.2% |
| South Dakota | 2 | 0.2% |
| Florida | 1 | 0.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lincoln | 769 |
| Omaha | 196 |
| Denver-Aurora-Centennial | 4 |
| Phoenix-Mesa-Chandler | 4 |
| Chicago-Naperville-Schaumburg | 3 |
| Grand Island | 3 |
| Kansas City | 3 |
| Greeley | 2 |
| Dayton-Kettering-Beavercreek | 1 |
| Des Moines-West Des Moines | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U82B82JH54TO79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 529275 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43896 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703896 | 2011–2017 |
Established 1 January 1906. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Lincoln FSB of Nebraska's data.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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