Applications / Mortgage Analytics / Lenders / Nebraska / Lincone Federal Credit Union
Lincoln, NE · Credit union · NCUA · $177 million assets · 103 loans in 2025
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103
loans originated, 2025
128
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lincone Federal Credit Union, a Nebraska credit union whose loans are mostly refinances, grew its loans by about a third in 2025.
Its loans rose 32%, to 103 from 78, faster than about three-quarters of similar lenders (credit unions making between half and twice as many loans), whose typical growth was 8%. It still made fewer than the 191 of 2023. It filed no report for 2018 or for 2020 to 2022, so its record has gaps, not empty years.
Refinances made up 68.9% of its loans, purchases 14.6% and home improvement 13.6%. All were conventional. Its typical loan, $85,000, was below peers' $100,000. Its lending to borrowers with low or moderate incomes, 32.0%, and in poorer neighborhoods (low- and moderate-income tracts), 18.4%, was close to peers'.
In Lincoln, its home market, its share rose 0.2 points to 0.5%, ranking it 38 of 249. Lincoln FSB of Nebraska and Pinnacle Bank lead. Its lending stays in Nebraska, across 11 counties.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Lincone Federal Credit Union took 128 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 68.9% · Purchase 14.6% · Home improvement 13.6% · Other 2.9%
Conventional 100.0% · of 103 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
| State | Loans | Share |
|---|---|---|
| Nebraska | 103 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lincoln | 88 |
| Omaha | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LHER54ZRR2C571 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 859682 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510585 | 1990–2016 |
Established 1 January 1955. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Lincone Federal Credit Union's data.
Lincone Federal Credit Union's data
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Lincone Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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