Applications / Mortgage Analytics / Lenders / Nebraska / U.S. Home Mortgage
Lincoln, NE · Non-bank or government lender · CFPB · 38 loans in 2025
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38
loans originated, 2025
38
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
U.S. Home Mortgage is a small Nebraska non-bank lender that makes ordinary purchase and refinance loans, far fewer than it did five years ago.
About two-thirds of its loans financed home purchases and the rest refinancings. Nearly all were conventional; a few were guaranteed by the Department of Veterans Affairs (VA). It made no manufactured-home loans. Its typical loan was $290,000, against $395,000 at similar lenders, which are non-bank or government lenders making between half and twice as many loans.
It made 38 loans in 2025, against 162 in 2021 and 29 in 2023. The figures do not say why its volume fell.
All its lending was in Nebraska, in 11 counties. In Lincoln it ranked 48 of 249 lenders with 0.3% of lending; Lincoln FSB of Nebraska led. In Grand Island it ranked 39 of 112, also with 0.3%. Both rankings rest on a few dozen loans at most.
With 38 loans, its shares of lending to particular borrowers and neighborhoods rest on a handful of borrowers each. None of its loans were higher-priced, meaning a rate well above the average for similar loans, against 5.0% at peers, but at this size that is a small sample.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. U.S. Home Mortgage took 38 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.8% · Refinance 34.2%
Conventional 92.1% · VA 7.9% · of 38 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 | 38 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lincoln | 23 |
| Omaha | 8 |
| Grand Island | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MNG3C6WSZ0TB17 | 2018–2025 |
Established 14 April 2006. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: U.S. Home Mortgage's data.
U.S. Home Mortgage's data
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U.S. Home Mortgage 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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