Lincoln FSB of Nebraska at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
84th3.3% deniedPricingmedian rate spread over APOR, weight 30%
85th-0.08 ptsProcesswithdrawn + incomplete share, weight 15%
69th13.2%Closing coststotal loan costs ÷ loan amount, weight 10%
89th1.09% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 898 | 711 | 2.6% | 3.1% | 6.75% | $174M |
| 2024 | 1,024 | 832 | 2.8% | 3.3% | 6.50% | $217M |
| 2025 | 1,345 | 1,120 | 2.8% | 3.3% | 6.38% | $321M |
What Lincoln FSB of Nebraska lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 111 investment properties.
Why Lincoln FSB of Nebraska denies applications
Primary reason reported for each of the 38 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Lincoln FSB of Nebraska
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 87 | 63 | 11.3% |
| $50k – $100k | 505 | 416 | 4.1% |
| $100k – $150k | 312 | 266 | 2.5% |
| $150k – $250k | 257 | 223 | 1.8% |
| Over $250k | 115 | 91 | 1.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 85 | 73 | 4.0% |
| 25–34 | 417 | 357 | 3.0% |
| 35–44 | 315 | 267 | 2.6% |
| 45–54 | 205 | 160 | 5.8% |
| 55–64 | 160 | 126 | 3.8% |
| 65–74 | 85 | 71 | 2.7% |
| Over 74 | 22 | 18 | 0.0% |
Where Lincoln FSB of Nebraska lends
17 states and 66 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Lincoln FSB of Nebraska denied 3.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 84th percentile of mid-size mortgage lenders.
The most common reason Lincoln FSB of Nebraska gave in 2025 was "debt-to-income ratio", cited on 42.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Lincoln FSB of Nebraska originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was -0.08 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 80% of its applications were for home purchases, 18% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 80% conventional, 13% FHA, 6% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.