Beatrice Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Beatrice averaged
6.79%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.72% and
one month ago for the week of 2025-05-15, the
average rate was 6.89%.
Beatrice's average rate one year ago was 6.83%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Beatrice 30 Year Fixed Rate | 2025-06-18 | 6.79% |
| Beatrice 30 Year Fixed Rate Refi | 2025-06-18 | 6.81% |
| Beatrice 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Beatrice 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Beatrice 30 Year FHA | 2025-06-18 | 0.1% |
| Beatrice 30 Year FHA Refi | 2025-06-18 | 0% |
| Beatrice 30 Year USDA | 2025-06-18 | 0.2% |
| Beatrice 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Beatrice 30 Year VA | 2025-06-18 | -0.2% |
| Beatrice 30 Year VA Refi | 2025-06-18 | -0.1% |
Beatrice Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Beatrice, NE market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Beatrice Average Closing Costs & Other Stats
Beatrice, NE's 36 lenders originated 418
loans during 2024. The total origination value was $69,430,000, with an average loan value of
$166,100.
Beatrice's average closing costs are $3,767.
The top Beatrice lender as defined by loan originations is QUICKEN LOANS, LLC, with
11 loans originated. Their average total fees are
$3,917, which is $1,145
higher than the next largest lender,
Lincoln FSB of Nebraska.
The lowest fee Beatrice lenders (with over 10 loans originated) are
Lincoln FSB of Nebraska ($2,772), First National Bank of Omaha ($2,871), QUICKEN LOANS, LLC ($3,917), .
The lowest rate Beatrice lenders (with over 10 loans originated) are
Lincoln FSB of Nebraska (6.34%), First National Bank of Omaha (6.54%), QUICKEN LOANS, LLC (6.90%), .
Beatrice, NE Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Pinnacle Bank | $6,075,000 | $6,700,000 | 10.3% | 9.7% |
| First State Bank Nebraska | $3,145,000 | $5,020,000 | 59.6% | 7.2% |
| Lincoln FSB of Nebraska | $5,035,000 | $4,180,000 | -17.0% | 6.0% |
| QUICKEN LOANS, LLC | $2,475,000 | $3,465,000 | 40.0% | 5.0% |
| First National Bank of Omaha | $5,265,000 | $3,425,000 | -34.9% | 4.9% |
| CORNHUSKER BANK | $265,000 | $3,405,000 | 1,184.9% | 4.9% |
| Mortgage Research Center, LLC | $1,845,000 | $3,315,000 | 79.7% | 4.8% |
| Security First Bank | $2,710,000 | $3,165,000 | 16.8% | 4.6% |
| Union Bank and Trust Company | $4,660,000 | $2,905,000 | -37.7% | 4.2% |
| West Gate Bank | $500,000 | $2,545,000 | 409.0% | 3.7% |
| GERSHMAN INVESTMENT CORP. | $1,850,000 | $2,160,000 | 16.8% | 3.1% |
| CHARTER WEST BANK | $2,060,000 | $2,155,000 | 4.6% | 3.1% |
| CMG MORTGAGE, INC. | $680,000 | $1,595,000 | 134.6% | 2.3% |
| U.S. Bank | $1,255,000 | $1,270,000 | 1.2% | 1.8% |
| FREEDOM MORTGAGE CORPORATION | $1,250,000 | n/a | 1.8% | |
| LIBERTY FIRST | $1,890,000 | $1,195,000 | -36.8% | 1.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $455,000 | $1,145,000 | 151.6% | 1.6% |
| Regent Financial Group, Inc. | $980,000 | $1,110,000 | 13.3% | 1.6% |
| Frontier Bank | $145,000 | $1,050,000 | 624.1% | 1.5% |
| DELMAR FINANCIAL COMPANY | $905,000 | n/a | 1.3% | |
| Farm Credit Mid-America, ACA | $155,000 | $860,000 | 454.8% | 1.2% |
| CARDINAL FINANCIAL | $785,000 | n/a | 1.1% | |
| NAVY FEDERAL CREDIT UNION | $445,000 | $775,000 | 74.2% | 1.1% |
| First Bank | $315,000 | $745,000 | 136.5% | 1.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $725,000 | $690,000 | -4.8% | 1.0% |
| State Bank of Table Rock | $65,000 | $670,000 | 930.8% | 1.0% |
| USAA Federal Savings Bank | $215,000 | $650,000 | 202.3% | 0.9% |
| First Federal Bank | $645,000 | n/a | 0.9% | |
| CHURCHILL MORTGAGE CORPORATION | $640,000 | n/a | 0.9% | |
| Flagstar Bank, FSB | $335,000 | $620,000 | 85.1% | 0.9% |
| GUILD MORTGAGE COMPANY | $185,000 | $610,000 | 229.7% | 0.9% |
| Plains Commerce Bank | $585,000 | n/a | 0.8% | |
| Paramount Residential Mortgage Group, Inc. | $230,000 | $535,000 | 132.6% | 0.8% |
| NEW DAY FINANCIAL, LLC | $505,000 | n/a | 0.7% | |
| Core Bank | $225,000 | $480,000 | 113.3% | 0.7% |
| FirstBank of Nebraska | $1,375,000 | $405,000 | -70.5% | 0.6% |
| AMERISAVE MORTGAGE CORPORATION | $530,000 | $370,000 | -30.2% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $195,000 | $355,000 | 82.1% | 0.5% |
| American National Bank | $330,000 | n/a | 0.5% | |
| Financial Funding Solutions, Inc. | $385,000 | $315,000 | -18.2% | 0.5% |
| Access Bank | $220,000 | $305,000 | 38.6% | 0.4% |
| Discover Bank | $235,000 | $305,000 | 29.8% | 0.4% |
| PLANET HOME LENDING, LLC | $285,000 | n/a | 0.4% | |
| First Interstate Bank | $415,000 | $280,000 | -32.5% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $555,000 | $250,000 | -55.0% | 0.4% |
| Magnolia Bank | $235,000 | n/a | 0.3% | |
| Members Mortgage Services, L.L.C. | $235,000 | n/a | 0.3% | |
| Prosperity Home Mortgage, LLC | $400,000 | $235,000 | -41.3% | 0.3% |
| The Federal Savings Bank | $275,000 | $225,000 | -18.2% | 0.3% |
| ZILLOW HOME LOANS, LLC | $225,000 | n/a | 0.3% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $205,000 | n/a | 0.3% | |
| Citizens Bank | $260,000 | $205,000 | -21.2% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $185,000 | n/a | 0.3% | |
| CITY BANK & TRUST CO. | $1,420,000 | $180,000 | -87.3% | 0.3% |
| NEWREZ LLC | $370,000 | $175,000 | -52.7% | 0.3% |
| Nebraska Bank of Commerce | $225,000 | $165,000 | -26.7% | 0.2% |
| Home Federal Savings & Loan Association of Grand Island | $155,000 | n/a | 0.2% | |
| UNION HOME MORTGAGE CORP. | $155,000 | n/a | 0.2% | |
| Mr. Cooper ( Nationstar Mortgage ) | $150,000 | n/a | 0.2% | |
| Bethpage Federal Credit Union | $135,000 | n/a | 0.2% | |
| GUARANTEED RATE, INC. | $130,000 | n/a | 0.2% | |
| FLAT BRANCH MORTGAGE, INC. | $125,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $370,000 | $125,000 | -66.2% | 0.2% |
| Midwest Bank | $75,000 | $105,000 | 40.0% | 0.2% |
| First Nebraska Bank | $95,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $990,000 | $75,000 | -92.4% | 0.1% |
| University of Nebraska Federal Credit Union | $75,000 | n/a | 0.1% | |
| Wahoo State Bank | $65,000 | n/a | 0.1% | |
| Landmark National Bank | $55,000 | n/a | 0.1% | |
| BMO Harris Bank | $410,000 | $50,000 | -87.8% | 0.1% |
| LOANDEPOT.COM, LLC | $155,000 | $45,000 | -71.0% | 0.1% |
| Cornerstone Bank | $35,000 | n/a | 0.1% | |
| Coastal Community Bank | $100,000 | $25,000 | -75.0% | 0.0% |
| SPRING EQ, LLC | $45,000 | $25,000 | -44.4% | 0.0% |
| FOUR POINTS | $15,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $15,000 | n/a | 0.0% |
Beatrice's top lender by overall market share is Pinnacle Bank, with 9.7% market share. In second place, with 7.2%, is First State Bank Nebraska, having originated $5,020,000 in loans. In third place, with 6.0%, is Lincoln FSB of Nebraska, having originated $4,180,000 in loans. In fourth place, with 5.0%, is QUICKEN LOANS, LLC, having originated $3,465,000 in loans. In fifth place, with 4.9%, is First National Bank of Omaha, having originated $3,425,000 in loans.
Beatrice, NE Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 252 | $46,340,000 | $183,889 |
| Refi | 62 | $13,020,000 | $210,000 |
| Cash Out Refi | 41 | $5,995,000 | $146,220 |
| Home Improvement | 36 | $2,110,000 | $58,611 |
| Other | 27 | $1,965,000 | $72,778 |
Beatrice's most frequently cited loan purpose was Home Purchase, with 252 originations. The 2nd most popular reason was Refi, with 62 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 135 | $28,145,000 | $208,481 |
| 7-8% | 95 | $16,895,000 | $177,842 |
| 5-6% | 62 | $12,610,000 | $203,387 |
| Over 8% | 59 | $4,345,000 | $73,644 |
| <2.5% | 16 | $100,000 | $6,250 |
| 4-5% | 1 | $425,000 | $425,000 |
| 3-4% | 1 | $35,000 | $35,000 |
During 2024, Beatrice's most frequently originated rate bucket was 6-7%, with 135 originations.
Loan Sizing (Beatrice, NE MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 149 | $7,405,000 | $49,698 |
| $100k-200k | 146 | $22,050,000 | $151,027 |
| $200k-400k | 102 | $27,460,000 | $269,216 |
| $400k-600k | 13 | $5,775,000 | $444,231 |
| $600k-1000k | 6 | $3,970,000 | $661,667 |
| $Over $1MM | 2 | $2,770,000 | $1,385,000 |
Beatrice's loan sizing saw the bucket of loans from $100,000 or less with 149 originations, totaling $7,405,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 153 | $31,965,000 | $208,922 |
| 60-80% | 73 | $15,505,000 | $212,397 |
| Under 20% | 59 | $3,055,000 | $51,780 |
| 20-40% | 38 | $4,050,000 | $106,579 |
| 40-60% | 32 | $4,660,000 | $145,625 |
| Over 100% | 2 | $630,000 | $315,000 |
Beatrice's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 153 originations, totaling $31,965,000 in origination value.