Hastings VA Loan Rates, Closing Costs & Stats

Hastings, NE

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Hastings's 7 lenders originated 15 VA loans during 2023. The total origination value was $2,245,000, with an average VA loan value of $149,667.

    Hastings VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Hastings averaged 6.31% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

    Hastings's average VA mortgage closing costs are $4,547.

    The average rate for the prior week (2024-12-06) was 6.55% and one month ago for the week of 2024-11-08, the average rate was 6.54%.

    The average rate one year ago was 6.89%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.08%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Hastings VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Hastings level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 4 6.87% $2,741
    CHARTER WEST BANK 2 6.06% $2,783
    Gateway First Bank 2 6.94% $3,025
    Barrington Bank & Trust Company, N.A. 2 5.50% $3,336
    PENNYMAC LOAN SERVICES, LLC 2 6.31% $8,655
    QUICKEN LOANS, LLC 2 5.81% $10,736
    West Gate Bank 1 6.88% $2,091

    The top Hastings VA lender as defined by loan originations is Mortgage Research Center, LLC, with 4 VA loans originated. Their average total fees are $2,741, which is $42 lower than the next largest lender, CHARTER WEST BANK.

    The lowest fee Hastings VA lenders (with over 10 loans originated) are .

    The lowest rate Hastings VA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Hastings (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $175,350 (44.9%) $222,440 (32.7%) 0.00 50
    2018-02-01 $182,238 (25.7%) $237,375 (34.1%) 0.00 49
    2018-03-01 $165,750 (2.9%) $242,231 (31.8%) 0.00 47
    2018-04-01 $208,233 (51.4%) $238,996 (37.0%) 0.00 43
    2018-05-01 $203,233 (69.4%) $234,533 (47.4%) 0.00 50
    2018-06-01 $194,975 (57.6%) $245,672 (58.6%) 0.00 49
    2018-07-01 $181,875 (30.0%) $239,325 (42.5%) 0.00 58
    2018-08-01 $179,175 (30.3%) $222,311 (30.1%) 0.00 60
    2018-09-01 $175,950 (11.5%) $220,239 (20.7%) 0.00 64
    2018-10-01 $174,500 (13.7%) $220,763 (10.8%) 0.00 71
    2018-11-01 $174,000 (10.7%) $225,557 (7.1%) 0.00 60
    2018-12-01 $172,500 (-9.2%) $213,078 (-6.2%) 0.00 67
    2019-01-01 $177,950 (1.5%) $219,639 (-1.3%) 0.00 68
    2019-02-01 $178,400 (-2.1%) $226,912 (-4.4%) 0.00 65
    2019-03-01 $195,443 (17.9%) $235,471 (-2.8%) 0.00 59
    2019-04-01 $220,975 (6.1%) $242,815 (1.6%) 0.00 58
    2019-05-01 $243,725 (19.9%) $271,661 (15.8%) 0.00 55
    2019-06-01 $230,000 (18.0%) $248,202 (1.0%) 0.00 62
    2019-07-01 $198,375 (9.1%) $234,195 (-2.1%) 0.00 82
    2019-08-01 $193,364 (7.9%) $232,303 (4.5%) 0.00 81
    2019-09-01 $187,534 (6.6%) $229,547 (4.2%) 0.00 81
    2019-10-01 $183,648 (5.2%) $227,709 (3.2%) 0.00 81
    2019-11-01 $174,900 (0.5%) $222,528 (-1.3%) 0.00 79
    2019-12-01 $159,900 (-7.3%) $215,340 (1.1%) 0.00 74
    2020-01-01 $174,500 (-1.9%) $223,547 (1.8%) 0.00 55
    2020-02-01 $218,975 (22.7%) $245,541 (8.2%) 0.00 56
    2020-03-01 $216,713 (10.9%) $233,345 (-0.9%) 0.00 60
    2020-04-01 $226,850 (2.7%) $242,180 (-0.3%) 0.00 55
    2020-05-01 $228,000 (-6.5%) $258,588 (-4.8%) 0.00 51
    2020-06-01 $253,250 (10.1%) $265,357 (6.9%) 0.00 50
    2020-07-01 $186,475 (-6.0%) $239,586 (2.3%) 0.00 55
    2020-08-01 $186,000 (-3.8%) $243,836 (5.0%) 0.00 43
    2020-09-01 $176,200 (-6.0%) $222,248 (-3.2%) 0.00 44
    2020-10-01 $179,000 (-2.5%) $205,884 (-9.6%) 0.00 43
    2020-11-01 $164,900 (-5.7%) $195,916 (-12.0%) 0.00 40
    2020-12-01 $159,950 (0.0%) $187,082 (-13.1%) 0.00 39
    2021-01-01 $155,000 (-11.2%) $178,208 (-20.3%) 0.00 42
    2021-02-01 $159,925 (-27.0%) $186,158 (-24.2%) 0.00 31
    2021-03-01 $146,738 (-32.3%) $197,677 (-15.3%) 0.00 26
    2021-04-01 $232,500 (2.5%) $233,944 (-3.4%) 0.00 21
    2021-05-01 $199,950 (-12.3%) $252,203 (-2.5%) 0.00 25
    2021-06-01 $192,300 (-24.1%) $254,769 (-4.0%) 0.00 32
    2021-07-01 $159,750 (-14.3%) $189,510 (-20.9%) 0.00 33
    2021-08-01 $149,225 (-19.8%) $187,282 (-23.2%) 0.00 31
    2021-09-01 $143,975 (-18.3%) $195,033 (-12.3%) 0.00 36
    2021-10-01 $155,000 (-13.4%) $236,797 (15.0%) 0.00 36
    2021-11-01 $174,750 (6.0%) $295,640 (50.9%) 0.00 36
    2021-12-01 $161,500 (1.0%) $262,427 (40.3%) 0.00 32
    2022-01-01 $147,500 (-4.8%) $264,709 (48.5%) 0.00 25
    2022-02-01 $196,250 (22.7%) $278,174 (49.4%) 0.00 21
    2022-03-01 $186,850 (27.3%) $280,313 (41.8%) 0.00 21
    2022-04-01 $277,000 (19.1%) $315,025 (34.7%) 0.00 26
    2022-05-01 $294,500 (47.3%) $329,711 (30.7%) 0.00 33
    2022-06-01 $334,900 (74.2%) $355,240 (39.4%) 0.00 31
    2022-07-01 $317,425 (98.7%) $344,314 (81.7%) 0.00 32
    2022-08-01 $295,738 (98.2%) $309,642 (65.3%) 0.00 39
    2022-09-01 $279,000 (93.8%) $287,747 (47.5%) 0.00 39
    2022-10-01 $284,900 (83.8%) $312,994 (32.2%) 0.00 35
    2022-11-01 $272,250 (55.8%) $289,836 (-2.0%) 0.00 40
    2022-12-01 $250,000 (54.8%) $283,953 (8.2%) 0.00 44
    2023-01-01 $249,000 (68.8%) $286,612 (8.3%) 0.00 40
    2023-02-01 $265,000 (35.0%) $292,450 (5.1%) 0.00 32
    2023-03-01 $235,700 (26.1%) $274,971 (-1.9%) 0.00 34
    2023-04-01 $265,000 (-4.3%) $307,525 (-2.4%) 0.00 31
    2023-05-01 $267,250 (-9.3%) $310,373 (-5.9%) 0.00 24
    2023-06-01 $262,375 (-21.7%) $310,493 (-12.6%) 0.00 26
    2023-07-01 $279,900 (-11.8%) $328,527 (-4.6%) 0.00 28
    2023-08-01 $265,975 (-10.1%) $301,163 (-2.7%) 0.00 39
    2023-09-01 $255,000 (-8.6%) $291,628 (1.4%) 0.00 42
    2023-10-01 $241,000 (-15.4%) $289,621 (-7.5%) 0.00 42
    2023-11-01 $238,625 (-12.4%) $333,323 (15.0%) 0.00 47
    2023-12-01 $225,000 (-10.0%) $318,451 (12.2%) 0.00 52
    2024-01-01 $246,250 (-1.1%) $347,051 (21.1%) 0.00 40
    2024-02-01 $271,225 (2.4%) $377,859 (29.2%) 0.00 32
    2024-03-01 $277,000 (17.5%) $402,147 (46.3%) 0.00 31
    2024-04-01 $258,375 (-2.5%) $383,815 (24.8%) 0.00 35
    2024-05-01 $276,750 (3.6%) $415,889 (34.0%) 0.00 38
    2024-06-01 $275,000 (4.8%) $395,104 (27.3%) 0.00 54
    2024-07-01 $273,750 (-2.2%) $406,466 (23.7%) 0.00 53
    2024-08-01 $289,500 (8.8%) $329,103 (9.3%) 0.00 59
    2024-09-01 $275,475 (8.0%) $329,916 (13.1%) 0.00 53
    2024-10-01 $269,900 (12.0%) $317,264 (9.5%) 0.00 57
    2024-11-01 $265,000 (11.1%) $309,296 (-7.2%) 0.00 69
    Hastings's median listing price for 2024-11-01 was $265,000, a difference of $26,375 (11.1%) versus the prior year and $-4,900 versus the prior month.

    Hastings's median listing price comes in at 0% of the national average.

    Hastings's average listing price for 2024-11-01 was $309,296, a difference of $-24,027 (-7.2%) versus the prior year and $-7,968 versus the prior month.

    For the 2024-11-01 period, Hastings had 69 MLS listings, a difference of 12 listings (21%) versus the prior month and 22 listings (47%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hastings (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,565 sqft
    2018-02-01 0 days 1,589 sqft
    2018-03-01 0 days 1,559 sqft
    2018-04-01 0 days 1,517 sqft
    2018-05-01 0 days 1,529 sqft
    2018-06-01 0 days 1,582 sqft
    2018-07-01 0 days 1,532 sqft
    2018-08-01 0 days 1,568 sqft
    2018-09-01 0 days 1,639 sqft
    2018-10-01 0 days 1,628 sqft
    2018-11-01 0 days 1,649 sqft
    2018-12-01 0 days 1,551 sqft
    2019-01-01 0 days 1,607 sqft
    2019-02-01 0 days 1,569 sqft
    2019-03-01 0 days 1,528 sqft
    2019-04-01 0 days 1,526 sqft
    2019-05-01 0 days 1,778 sqft
    2019-06-01 0 days 1,688 sqft
    2019-07-01 0 days 1,535 sqft
    2019-08-01 0 days 1,588 sqft
    2019-09-01 0 days 1,675 sqft
    2019-10-01 0 days 1,825 sqft
    2019-11-01 0 days 2,225 sqft
    2019-12-01 0 days 1,972 sqft
    2020-01-01 0 days 2,219 sqft
    2020-02-01 0 days 2,322 sqft
    2020-03-01 0 days 2,244 sqft
    2020-04-01 0 days 2,355 sqft
    2020-05-01 0 days 2,180 sqft
    2020-06-01 0 days 2,300 sqft
    2020-07-01 0 days 2,288 sqft
    2020-08-01 0 days 2,364 sqft
    2020-09-01 0 days 2,186 sqft
    2020-10-01 0 days 2,080 sqft
    2020-11-01 0 days 2,092 sqft
    2020-12-01 0 days 2,038 sqft
    2021-01-01 0 days 1,959 sqft
    2021-02-01 0 days 2,041 sqft
    2021-03-01 0 days 2,244 sqft
    2021-04-01 0 days 2,467 sqft
    2021-05-01 0 days 2,115 sqft
    2021-06-01 0 days 1,996 sqft
    2021-07-01 0 days 1,713 sqft
    2021-08-01 0 days 1,726 sqft
    2021-09-01 0 days 1,742 sqft
    2021-10-01 0 days 2,002 sqft
    2021-11-01 0 days 2,106 sqft
    2021-12-01 0 days 2,005 sqft
    2022-01-01 0 days 1,918 sqft
    2022-02-01 0 days 2,136 sqft
    2022-03-01 0 days 2,248 sqft
    2022-04-01 0 days 2,760 sqft
    2022-05-01 0 days 2,697 sqft
    2022-06-01 0 days 2,784 sqft
    2022-07-01 0 days 2,903 sqft
    2022-08-01 0 days 2,760 sqft
    2022-09-01 0 days 2,374 sqft
    2022-10-01 0 days 2,518 sqft
    2022-11-01 0 days 2,298 sqft
    2022-12-01 0 days 2,130 sqft
    2023-01-01 0 days 2,216 sqft
    2023-02-01 0 days 2,221 sqft
    2023-03-01 0 days 2,189 sqft
    2023-04-01 0 days 2,665 sqft
    2023-05-01 0 days 2,240 sqft
    2023-06-01 0 days 2,048 sqft
    2023-07-01 0 days 2,520 sqft
    2023-08-01 0 days 2,557 sqft
    2023-09-01 0 days 2,455 sqft
    2023-10-01 0 days 2,390 sqft
    2023-11-01 0 days 2,372 sqft
    2023-12-01 0 days 2,254 sqft
    2024-01-01 0 days 2,341 sqft
    2024-02-01 0 days 2,650 sqft
    2024-03-01 0 days 2,666 sqft
    2024-04-01 0 days 2,595 sqft
    2024-05-01 0 days 2,629 sqft
    2024-06-01 0 days 2,663 sqft
    2024-07-01 0 days 2,695 sqft
    2024-08-01 0 days 2,659 sqft
    2024-09-01 0 days 2,740 sqft
    2024-10-01 0 days 2,886 sqft
    2024-11-01 0 days 2,678 sqft
    Hastings's median listing age (time on market) for 2024-11-01 was 0 days.

    Hastings's median square footage for active listings during the 2024-11-01 period was 2,678 sqft. One year prior, the average listing was 2,372 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.