What people paid for mortgages in Lancaster County, NE (2025)

Across 3,653 closed home-purchase loans in 2025, the median interest rate in Lancaster was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $2,998 on a median loan of $255,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.75%
Median total loan costs: $2,998
Median loan amount: $255,000

3,653 loans, 2025.

Refinance

Median rate: 6.125%
Middle half of rates: 5.875%–6.625%
Median total loan costs: $4,130
Median loan amount: $245,000

1,266 loans, 2025.

Lowest median rates in Lancaster (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.LINCOLN FEDERAL SVGS BK OF NE6.25%543 loans, median costs $2,540
2.LIBERTY FIRST CREDIT UNION6.25%107 loans, median costs $3,480
3.Mortgage Research Center6.25%72 loans, median costs $4,133
4.PROSPERITY HOME MORTGAGE, LLC6.375%100 loans, median costs $3,307
5.PINNACLE BANK6.49%204 loans, median costs $2,496

Among lenders with at least 30 closed purchase loans in Lancaster County in 2025.

Refinance

1.United Wholesale Mortgagebroker only5.625%82 loans, median costs $4,782
2.PENNYMAC LOAN SERVICES LLC5.875%42 loans, median costs $7,364
3.ROCKET MORTGAGE5.99%157 loans, median costs $6,318
4.LINCOLN FEDERAL SVGS BK OF NE6%80 loans, median costs $2,303
5.West Gate Bank6.062%36 loans, median costs $2,000

Among lenders with at least 30 closed refinance loans in Lancaster County in 2025.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in Lancaster

Every lender that closed at least 5 qualifying loans in Lancaster County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	LINCOLN FEDERAL SVGS BK OF NE	543	6.25%	$2,540	$875	$311
2	Union Bank and Trust Company	361	6.5%	$2,821	$1,139	$1,844
3	GERSHMAN INVESTMENT CORP.	292	6.495%	$3,162	$1,360	$508
4	West Gate Bank	223	6.5%	$2,745	$820	$1,500
5	PINNACLE BANK	204	6.49%	$2,496	$1,245	$400
6	CMG MORTGAGE INC	150	6.5%	$4,952	$1,740	$1,284
7	Charter West Bank	137	6.5%	$3,152	$1,195	$1,375
8	US BANK, N.A.	136	6.5%	$2,840	$1,020	$602
9	CORNHUSKER BANK	124	n/a	n/a	n/a	n/a
10	LIBERTY FIRST CREDIT UNION	107	6.25%	$3,480	$1,145	$465
11	PROSPERITY HOME MORTGAGE, LLC	100	6.375%	$3,307	$1,099	$975
12	First Bank	89	6.625%	$3,500	$1,645	$787
13	Mortgage Research Center	72	6.25%	$4,133	$1,062	$918
14	ROCKET MORTGAGE	66	6.5%	$3,574	$1,865	$1,630
15	FAIRWAY INDEPENDENT MORT CORP	63	6.5%	$3,244	$1,350	$534
16	Security First Bank	58	6.5%	$2,539	$990	n/a
17	City Bank & Trust Co.	47	n/a	n/a	n/a	n/a
18	United Wholesale Mortgagebroker only	43	6.5%	$5,100	$1,353	$1,388
19	21ST MORTGAGE	39	10.63%	n/a	n/a	n/a
20	DELMAR FINANCIAL COMPANY	35	6.625%	$3,538	$1,600	$308
21	PARAMOUNT RESIDENTIAL MORTGAGE	34	6.625%	$6,172	$3,399	$2,294
22	FIRST STATE BANK NEBRASKA	32	n/a	n/a	n/a	n/a
23	PEOPLES MORTGAGE COMPANY	30	6.625%	$7,370	$2,530	$1,124
24	WELLS FARGO BANK NA	28	6.062%	$3,773	$1,418	$1,510
25	FIRST NATIONAL BANK OF OMAHA	26	6.562%	$3,326	$1,280	$519
26	HOME FEDERAL SAVINGS AND LOAN	22	6.562%	$2,332	$731	$1,003
27	Plains Commerce Bank	21	6.375%	$6,604	$1,874	$1,364
28	GUILD MORTGAGE COMPANY	19	6.625%	$3,718	$1,584	$342
29	CBNA Year to Date	19	6.75%	$2,101	$750	$500
30	JPMorgan Chase Bank, NA	18	6.558%	$2,667	$978	$3,119
31	Frontier Bank	17	6.625%	$2,925	$1,025	n/a
32	FIVE POINTS BANK	16	n/a	n/a	n/a	n/a
33	NEWREZ LLC	16	6.188%	$7,406	$975	$1,343
34	US Home Mortgage, Inc.	15	6.5%	$2,131	$750	$2,750
35	GUARANTEED RATE, INC.	15	6.5%	$3,874	$1,640	$1,006
36	Regent Financial Group	14	6.438%	$4,478	$1,395	$798
37	CHURCHILL MORTGAGE CORPORATION	14	6.438%	$3,920	$1,699	$860
38	Navy Federal Credit Union	13	6%	$1,448	$0	n/a
39	LincOne Federal Credit Union	11	6.5%	$5,152	$3,717	$3,434
40	Nebraska Bank of Commerce	11	n/a	n/a	n/a	n/a

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights

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One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

What happens after you submit

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Common questions

What mortgage rate did people get in Lancaster County in 2025?

The median interest rate on closed home-purchase loans in Lancaster County, Nebraska in 2025 was 6.5%, across 3,653 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.75%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.