Lincoln County
Nebraska · FIPS 31111
According to CFPB HMDA 2024 application volume among U.S. counties, Lincoln County ranks #1,408 of 3,223, and #9 of 93 in Nebraska.
Mortgage lending activity in Lincoln County, Nebraska based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Lincoln County, Nebraska lenders denied 154 of the applications reported here, financing the rest at an average note rate of 7.03%, with applicants self-reporting average annual income of $35K. 70 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Lincoln County
In Lincoln County, lead originator Centris Federal Credit Union funded 12.4% of 573 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 35.3% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Lincoln County's 1,028 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lincoln County's $145,593 average loan (deduped against volume peers).
Lenders active in Lincoln County
Centris Federal Credit Union funded 71 of the 573 loans originated in Lincoln County, 12.4% of the county. 70 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Centris Federal Credit Union | 71 | 12.4% |
| 2 | First National Bank of Omaha | 66 | 11.5% |
| 3 | Dayspring bank | 65 | 11.3% |
| 4 | Adams Bank & Trust | 61 | 10.6% |
| 5 | Rocket Mortgage | 59 | 10.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Lincoln County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Lincoln County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.