Lincone Federal Credit Union in Nebraska vs the state
6.3%Denial rate-6.23 pts vs state
7.0%Decision denial rate-8.12 pts vs state
81.1%Origination rate+13.82 pts vs state
7.13%Median rate+0.50 pts vs state
0.79Rate spread (pts)+0.57 pts vs state
$120kMedian applicant income
103Loans originated
8Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 229 | 191 | 6.6% | — | #59 |
| 2024 | 100 | 78 | 7.0% | 7.13% | #94 |
| 2025 | 127 | 103 | 6.3% | 7.13% | #91 |
What Lincone Federal Credit Union lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Lincone Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 105 | 85 | 7 | 6.7% |
| Saunders County | 4 | 3 | 0 | 0.0% |
| Seward County | 4 | 3 | 1 | 25.0% |
| Gage County | 3 | 3 | 0 | 0.0% |
| Otoe County | 3 | 2 | 0 | 0.0% |
| Cass County | 2 | 2 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Saline County | 1 | 1 | 0 | 0.0% |
| Sarpy County | 1 | 1 | 0 | 0.0% |
| Johnson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Nebraska
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,384 | 17.6% | 6.75% |
| Pinnacle Bank | B | 3,371 | 4.3% | 6.95% |
| First National Bank of Omaha | C | 2,902 | 19.6% | 7.00% |
| Charter West Bank | C | 2,258 | 6.6% | 6.50% |
| U.S. Bank | D | 2,163 | 32.9% | 6.99% |
| Veridian Credit Union | B | 2,051 | 9.8% | 6.49% |
| West Gate Bank | A | 2,040 | 5.0% | 6.50% |
| Centris | B | 2,002 | 16.3% | 6.25% |
| Union Bank and Trust | B | 1,835 | 10.0% | 6.50% |
| Mortgage Research Center | C | 1,651 | 12.5% | 6.25% |
Frequently asked questions
Nebraska: 127 applications in 2025, of which 103 were originated and 8 denied.
6.3% of all applications, or 7.0% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Lincone Federal Credit Union originated in Nebraska in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Lincone Federal Credit Union's own HMDA filing for properties located in Nebraska, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology