Beatrice Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Beatrice averaged 5.65% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.86% and one month ago for the week of 2022-05-26, the average rate was 5.45%.

Beatrice's average rate one year ago was 3.1%.

For refis of the same type during the week of 2022-06-30, the average rate was 6.13%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Beatrice 30 Year Fixed Rate 2022-06-30 5.65%
Beatrice 30 Year Fixed Rate Refi 2022-06-30 6.13%
Beatrice 15 Year Fixed Rate 2022-06-30 5.22%
Beatrice 15 Year Fixed Rate Refi 2022-06-30 5.09%
Beatrice 30 Year FHA 2022-06-30 5.79%
Beatrice 30 Year FHA Refi 2022-06-30 5.77%
Beatrice 30 Year USDA 2022-06-30 5.74%
Beatrice 30 Year USDA Refi 2022-06-30 5.6%
Beatrice 30 Year VA 2022-06-30 5.77%
Beatrice 30 Year VA Refi 2022-06-30 5.36%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Beatrice, NE.

Beatrice Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Security First Bank 27 3.31% $1,806
First National Bank of Omaha 26 3.06% $2,327
QUICKEN LOANS, LLC 24 3.07% $4,974
Flagstar Bank, FSB 12 3.28% $3,869
Lincoln FSB of Nebraska 12 2.92% $1,887
Union Bank and Trust Company 11 3.09% $2,133
Wells Fargo Bank 10 3.41% $3,105
CHARTER WEST BANK 8 2.98% $1,963
Prosperity Home Mortgage, LLC 8 3.06% $2,449
West Gate Bank 8 2.95% $1,797
Pinnacle Bank 7 2.91% $1,765
LIBERTY FIRST 7 3.00% $2,054
GERSHMAN INVESTMENT CORP. 6 3.15% $2,916
U.S. Bank 5 3.22% $1,950
First Bank 4 2.97% $2,767
LOANDEPOT.COM, LLC 4 2.81% $4,436
Bank of the West 4 3.44% $3,352
CORNHUSKER BANK 3 3.13% $1,156
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 3.25% $3,128
Citizens Bank 3 2.92% $2,515
Regent Financial Group, Inc. 3 3.04% $2,616
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.19% $2,914
Arvest Bank 2 2.88% $5,086
BETTER MORTGAGE CORPORATION 2 2.94% $1,205
CENTENNIAL LENDING, LLC 2 3.19% $3,693
Farm Credit Mid-America, ACA 2 3.50% $5,936
Frontier Bank 2 2.94% $2,121
MORIA DEVELOPMENT, INC. 2 3.37% $4,867
United Fidelity Funding Corp. 2 2.88% $2,563
DRAPER AND KRAMER MORTGAGE CORP. 1 2.75% $2,040
Great Western Bank 1 2.88% $2,075
JPMorgan Chase Bank 1 2.88% $3,047
DELMAR FINANCIAL COMPANY 1 3.25% $1,524
DEEPHAVEN MORTGAGE LLC 1 3.75% $10,410
CMG MORTGAGE, INC. 1 3.50% $2,681
AMERICAN FINANCING CORPORATION 1 3.38% $3,953
Mortgage Investment Services Corporation 1 3.63% $2,543
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.25% $3,272
NEWREZ LLC 1 3.50% $4,742
Paramount Residential Mortgage Group, Inc. 1 2.99% $3,161
Central National Bank 1 2.63% $1,766
Adams Bank & Trust 1 3.13% $1,825
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 2.88% $3,550
Capitol Federal Savings Bank 1 2.75% $3,141
CALIBER HOME LOANS, INC. 1 2.63% $2,010
RESIDENTIAL BANCORP. 1 2.75% $3,572
BROKER SOLUTIONS, INC. 1 3.38% $3,276
The Federal Savings Bank 1 3.25% $4,781
Truist Bank 1 2.75% $2,347
Bell Bank 1 3.25% $2,643
Ally Bank 1 2.88% $3,849
UNITED WHOLESALE MORTGAGE, LLC 1 3.09% $2,573
AMERISAVE MORTGAGE CORPORATION 1 2.99% $3,396
Dundee Bank 1 3.00% $2,395
FLAT BRANCH MORTGAGE, INC. 1 2.99% $3,409
U.S. HOME MORTGAGE, INC. 1 2.75% $1,160

Beatrice, NE's 56 lenders originated 702 loans during 2021. The total origination value was $106,380,000, with an average loan value of $151,538.

The top Beatrice lender as defined by loan originations is Security First Bank, with 27 loans originated. Their average total fees are $1,806, which is $521 lower than the next largest lender, First National Bank of Omaha.

The lowest fee Beatrice lenders (with over 10 loans originated) are Security First Bank ($1,806), Lincoln FSB of Nebraska ($1,887), Union Bank and Trust Company ($2,133), First National Bank of Omaha ($2,327) and Wells Fargo Bank ($3,105).

The lowest rate Beatrice lenders (with over 10 loans originated) are Lincoln FSB of Nebraska (2.92%), First National Bank of Omaha (3.06%), QUICKEN LOANS, LLC (3.07%), Union Bank and Trust Company (3.09%) and Flagstar Bank, FSB (3.28%).

Beatrice, NE Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
First National Bank of Omaha $8,990,000 $8,930,000 -0.7% 8.4%
QUICKEN LOANS, LLC $6,040,000 $7,910,000 31.0% 7.4%
First State Bank Nebraska $9,725,000 $7,710,000 -20.7% 7.2%
Pinnacle Bank $11,415,000 $6,800,000 -40.4% 6.4%
Security First Bank $11,855,000 $5,925,000 -50.0% 5.6%
Lincoln FSB of Nebraska $4,980,000 $5,425,000 8.9% 5.1%
LIBERTY FIRST $2,840,000 $3,560,000 25.4% 3.3%
West Gate Bank $4,860,000 $3,460,000 -28.8% 3.3%
Flagstar Bank, FSB $3,935,000 $3,340,000 -15.1% 3.1%
Union Bank and Trust Company $4,025,000 $3,285,000 -18.4% 3.1%
CHARTER WEST BANK $3,725,000 $3,210,000 -13.8% 3.0%
GERSHMAN INVESTMENT CORP. $1,805,000 $3,050,000 69.0% 2.9%
CORNHUSKER BANK $2,195,000 $2,920,000 33.0% 2.7%
Prosperity Home Mortgage, LLC $1,505,000 $2,740,000 82.1% 2.6%
Wells Fargo Bank $2,760,000 $2,325,000 -15.8% 2.2%
FREEDOM MORTGAGE CORPORATION $2,005,000 $2,190,000 9.2% 2.1%
Mortgage Research Center, LLC $3,170,000 $2,095,000 -33.9% 2.0%
LOANDEPOT.COM, LLC $925,000 $1,945,000 110.3% 1.8%
FirstBank of Nebraska $2,105,000 $1,840,000 -12.6% 1.7%
U.S. Bank $2,205,000 $1,775,000 -19.5% 1.7%
Farm Credit Mid-America, ACA $3,125,000 $1,060,000 -66.1% 1.0%
First Bank $580,000 $1,035,000 78.4% 1.0%
CALIBER HOME LOANS, INC. $115,000 $1,005,000 773.9% 0.9%
Bank of the West $575,000 $915,000 59.1% 0.9%
LAKEVIEW LOAN SERVICING, LLC $215,000 $860,000 300.0% 0.8%
AMERISAVE MORTGAGE CORPORATION $260,000 $855,000 228.8% 0.8%
Chickasaw Community Bank $2,395,000 $845,000 -64.7% 0.8%
Regent Financial Group, Inc. $430,000 $825,000 91.9% 0.8%
Citizens Bank $1,485,000 $780,000 -47.5% 0.7%
MORIA DEVELOPMENT, INC. $930,000 $770,000 -17.2% 0.7%
Frontier Bank $1,340,000 $690,000 -48.5% 0.6%
UNITED WHOLESALE MORTGAGE, LLC $680,000 n/a 0.6%
United Fidelity Funding Corp. $695,000 $650,000 -6.5% 0.6%
Capitol Federal Savings Bank $645,000 n/a 0.6%
PRIMELENDING, A PLAINSCAPITAL COMPANY $105,000 $635,000 504.8% 0.6%
VILLAGE CAPITAL & INVESTMENT LLC $165,000 $610,000 269.7% 0.6%
CENTENNIAL LENDING, LLC $280,000 $560,000 100.0% 0.5%
FLAT BRANCH MORTGAGE, INC. $545,000 n/a 0.5%
PENNYMAC LOAN SERVICES, LLC $645,000 $535,000 -17.1% 0.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $530,000 n/a 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $610,000 $525,000 -13.9% 0.5%
DELMAR FINANCIAL COMPANY $130,000 $460,000 253.8% 0.4%
Great Western Bank $1,120,000 $430,000 -61.6% 0.4%
NEWREZ LLC $55,000 $430,000 681.8% 0.4%
JPMorgan Chase Bank $230,000 $410,000 78.3% 0.4%
HOME POINT FINANCIAL CORPORATION $435,000 $380,000 -12.6% 0.4%
Arbor Bank $710,000 $375,000 -47.2% 0.4%
First Savings Bank $1,260,000 $365,000 -71.0% 0.3%
Dundee Bank $355,000 n/a 0.3%
Arvest Bank $340,000 n/a 0.3%
SOFI LENDING CORP. $305,000 n/a 0.3%
Central National Bank $285,000 n/a 0.3%
AMERICAN FINANCING CORPORATION $285,000 $275,000 -3.5% 0.3%
DEEPHAVEN MORTGAGE LLC $265,000 n/a 0.2%
BETTER MORTGAGE CORPORATION $250,000 n/a 0.2%
COMMUNITYAMERICA $245,000 n/a 0.2%
Mr. Cooper ( Nationstar Mortgage ) $755,000 $245,000 -67.5% 0.2%
Plains Commerce Bank $245,000 n/a 0.2%
U.S. HOME MORTGAGE, INC. $725,000 $230,000 -68.3% 0.2%
BROKER SOLUTIONS, INC. $225,000 n/a 0.2%
RESIDENTIAL BANCORP. $225,000 n/a 0.2%
ACCELERATE MORTGAGE, LLC $215,000 n/a 0.2%
Financial Funding Solutions, Inc. $205,000 n/a 0.2%
First PREMIER Bank $205,000 n/a 0.2%
The Federal Savings Bank $205,000 n/a 0.2%
DRAPER AND KRAMER MORTGAGE CORP. $185,000 n/a 0.2%
NEW DAY FINANCIAL, LLC $620,000 $185,000 -70.2% 0.2%
Community National Bank $105,000 $175,000 66.7% 0.2%
Paramount Residential Mortgage Group, Inc. $700,000 $175,000 -75.0% 0.2%
The Citizens State Bank $165,000 n/a 0.2%
Mortgage Investment Services Corporation $145,000 $160,000 10.3% 0.2%
Adams Bank & Trust $155,000 n/a 0.1%
American National Bank $150,000 n/a 0.1%
NAVY FEDERAL CREDIT UNION $145,000 n/a 0.1%
Servion, Inc. $145,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $410,000 $135,000 -67.1% 0.1%
The Huntington National Bank $135,000 n/a 0.1%
Kaw Valley Bank $125,000 n/a 0.1%
AMCAP MORTGAGE, LTD. $145,000 $115,000 -20.7% 0.1%
CMG MORTGAGE, INC. $260,000 $115,000 -55.8% 0.1%
FINANCE OF AMERICA COMMERCIAL LLC $115,000 n/a 0.1%
First Guaranty Mortgage Corporation $115,000 n/a 0.1%
FIRST NEBRASKA Credit Union $115,000 n/a 0.1%
Bell Bank $105,000 n/a 0.1%
Truist Bank $690,000 $105,000 -84.8% 0.1%
Ally Bank $95,000 n/a 0.1%
Carrington Mortgage Services, LLC $390,000 $55,000 -85.9% 0.1%
IOWA BANKERS MORTGAGE CORPORATION $55,000 n/a 0.1%
The Bennington State Bank $45,000 $55,000 22.2% 0.1%
Five Points Bank $45,000 n/a 0.0%
Bank of America $590,000 $35,000 -94.1% 0.0%
Cobalt Credit Union $105,000 $35,000 -66.7% 0.0%
CENTRIS FEDERAL CREDIT UNION $25,000 n/a 0.0%

Beatrice's top lender by overall market share is First National Bank of Omaha, with 8.4% market share. In second place, with 7.4%, is QUICKEN LOANS, LLC, having originated $7,910,000 in loans. In third place, with 7.2%, is First State Bank Nebraska, having originated $7,710,000 in loans. In third place, with 6.4%, is Pinnacle Bank, having originated $6,800,000 in loans. In third place, with 5.6%, is Security First Bank, having originated $5,925,000 in loans.


Beatrice, NE Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 293 $42,525,000 $145,137
Refi 248 $41,760,000 $168,387
Cash Out Refi 123 $18,835,000 $153,130
Home Improvement 23 $2,435,000 $105,870
Other 15 $825,000 $55,000

Beatrice's most frequently cited loan purpose was Home Purchase, with 293 originations. The 2nd most popular reason was Refi, with 248 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 242 $39,580,000 $163,554
3-4% 219 $31,545,000 $144,041
<2.5% 112 $19,360,000 $172,857
4-5% 51 $5,025,000 $98,529
5-6% 7 $205,000 $29,286
Over 8% 1 $115,000 $115,000

During 2021, Beatrice's most frequently originated rate bucket was 2.5-3%, with 242 originations.

Loan Sizing (Beatrice, NE MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 297 $42,125,000 $141,835
$100,000 or less 233 $14,705,000 $63,112
$200k-400k 157 $40,765,000 $259,650
$400k-600k 12 $5,590,000 $465,833
$600k-1000k 2 $1,340,000 $670,000
$Over $1MM 1 $1,855,000 $1,855,000

Beatrice's loan sizing saw the bucket of loans from $100k-200k with 297 originations, totaling $42,125,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 224 $34,440,000 $153,750
60-80% 219 $36,645,000 $167,329
40-60% 92 $13,970,000 $151,848
20-40% 44 $3,850,000 $87,500
Under 20% 24 $1,200,000 $50,000
Over 100% 10 $1,930,000 $193,000

Beatrice's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 224 originations, totaling $34,440,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Beatrice (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 $115,900 (-1.3%) $132,015 (-22.0%) 0.00 90
2018-02-01 $126,950 (-9.0%) $149,819 (-13.3%) 0.00 82
2018-03-01 $139,000 (-2.3%) $164,131 (-8.9%) 0.00 97
2018-04-01 $163,400 (9.0%) $173,135 (1.5%) 0.00 117
2018-05-01 $166,400 (5.6%) $171,520 (-4.2%) 0.00 119
2018-06-01 $169,900 (10.0%) $167,764 (1.8%) 0.00 120
2018-07-01 $159,900 (14.3%) $157,011 (-0.1%) 0.00 137
2018-08-01 $147,450 (7.3%) $150,169 (-1.3%) 0.00 133
2018-09-01 $139,500 (-3.7%) $136,878 (-6.9%) 0.00 139
2018-10-01 $143,000 (19.0%) $139,943 (-2.8%) 0.00 141
2018-11-01 $129,900 (11.1%) $146,044 (4.5%) 0.00 141
2018-12-01 $143,500 (27.6%) $158,360 (22.3%) 0.00 128
2019-01-01 $139,900 (20.7%) $162,330 (23.0%) 0.00 112
2019-02-01 $136,500 (7.5%) $160,523 (7.1%) 0.00 115
2019-03-01 $133,712 (-3.8%) $160,251 (-2.4%) 0.00 117
2019-04-01 $130,998 (-19.8%) $151,373 (-12.6%) 0.00 88
2019-05-01 $127,500 (-23.4%) $155,324 (-9.4%) 0.00 81
2019-06-01 $147,500 (-13.2%) $170,136 (1.4%) 0.00 83
2019-07-01 $160,000 (0.1%) $173,832 (10.7%) 0.00 63
2019-08-01 $159,852 (8.4%) $193,408 (28.8%) 0.00 63
2019-09-01 $159,680 (14.5%) $218,914 (59.9%) 0.00 72
2019-10-01 $159,778 (11.7%) $211,235 (50.9%) 0.00 71
2019-11-01 $157,500 (21.3%) $184,410 (26.3%) 0.00 82
2019-12-01 $152,000 (5.9%) $169,969 (7.3%) 0.00 76
2020-01-01 $146,225 (4.5%) $166,527 (2.6%) 0.00 70
2020-02-01 $149,900 (9.8%) $171,606 (6.9%) 0.00 68
2020-03-01 $146,975 (9.9%) $183,129 (14.3%) 0.00 64
2020-04-01 $149,450 (14.1%) $184,515 (21.9%) 0.00 62
2020-05-01 $184,500 (44.7%) $191,440 (23.3%) 0.00 58
2020-06-01 $191,900 (30.1%) $205,399 (20.7%) 0.00 38
2020-07-01 $152,400 (-4.8%) $198,892 (14.4%) 0.00 43
2020-08-01 $189,000 (18.2%) $222,283 (14.9%) 0.00 39
2020-09-01 $159,450 (-0.1%) $192,769 (-11.9%) 0.00 47
2020-10-01 $145,000 (-9.3%) $196,590 (-6.9%) 0.00 39
2020-11-01 $142,500 (-9.5%) $193,053 (4.7%) 0.00 38
2020-12-01 $161,000 (5.9%) $205,199 (20.7%) 0.00 35
2021-01-01 $149,000 (1.9%) $208,397 (25.1%) 0.00 28
2021-02-01 $138,500 (-7.6%) $206,214 (20.2%) 0.00 32
2021-03-01 $152,750 (3.9%) $190,182 (3.9%) 0.00 32
2021-04-01 $126,000 (-15.7%) $181,469 (-1.7%) 0.00 29
2021-05-01 $134,900 (-26.9%) $183,988 (-3.9%) 0.00 26
2021-06-01 $161,450 (-15.9%) $211,097 (2.8%) 0.00 26
2021-07-01 $126,000 (-17.3%) $178,060 (-10.5%) 0.00 35
2021-08-01 $141,950 (-24.9%) $188,288 (-15.3%) 0.00 36
2021-09-01 $134,000 (-16.0%) $195,433 (1.4%) 0.00 29
2021-10-01 $149,900 (3.4%) $173,037 (-12.0%) 0.00 18
2021-11-01 $154,450 (8.4%) $166,157 (-13.9%) 0.00 20
2021-12-01 $149,900 (-6.9%) $169,547 (-17.4%) 0.00 19
2022-01-01 $154,000 (3.4%) $188,535 (-9.5%) 0.00 18
2022-02-01 $172,200 (24.3%) $192,253 (-6.8%) 0.00 17
2022-03-01 $140,950 (-7.7%) $173,931 (-8.6%) 0.00 21
2022-04-01 $139,000 (10.3%) $168,484 (-7.2%) 0.00 26
2022-05-01 $157,500 (16.8%) $187,609 (2.0%) 0.00 39
2022-06-01 $166,500 (3.1%) $203,839 (-3.4%) 0.00 41
Beatrice's median listing price for 2022-06-01 was $166,500, a difference of $5,050 (3.1%) versus the prior year and $9,000 versus the prior month.

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

Beatrice's average listing price for 2022-06-01 was $203,839, a difference of $-7,258 (-3.4%) versus the prior year and $16,230 versus the prior month.

For the 2022-06-01 period, Beatrice had 41 MLS listings, a difference of 2 listings (5%) versus the prior month and 15 listings (58%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Beatrice (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,535 sqft
2018-02-01 0 days 1,522 sqft
2018-03-01 0 days 1,536 sqft
2018-04-01 0 days 1,497 sqft
2018-05-01 0 days 1,491 sqft
2018-06-01 0 days 1,491 sqft
2018-07-01 0 days 1,524 sqft
2018-08-01 0 days 1,469 sqft
2018-09-01 0 days 1,377 sqft
2018-10-01 0 days 1,399 sqft
2018-11-01 0 days 1,399 sqft
2018-12-01 0 days 1,440 sqft
2019-01-01 0 days 1,399 sqft
2019-02-01 0 days 1,440 sqft
2019-03-01 0 days 1,450 sqft
2019-04-01 0 days 1,450 sqft
2019-05-01 0 days 1,504 sqft
2019-06-01 0 days 1,712 sqft
2019-07-01 0 days 1,801 sqft
2019-08-01 0 days 2,169 sqft
2019-09-01 0 days 2,555 sqft
2019-10-01 0 days 2,470 sqft
2019-11-01 0 days 2,312 sqft
2019-12-01 0 days 1,568 sqft
2020-01-01 0 days 1,616 sqft
2020-02-01 0 days 2,052 sqft
2020-03-01 0 days 1,864 sqft
2020-04-01 0 days 1,866 sqft
2020-05-01 0 days 1,730 sqft
2020-06-01 0 days 1,730 sqft
2020-07-01 0 days 1,580 sqft
2020-08-01 0 days 1,736 sqft
2020-09-01 0 days 1,795 sqft
2020-10-01 0 days 1,491 sqft
2020-11-01 0 days 1,468 sqft
2020-12-01 0 days 1,473 sqft
2021-01-01 0 days 1,469 sqft
2021-02-01 0 days 1,616 sqft
2021-03-01 0 days 1,537 sqft
2021-04-01 0 days 1,365 sqft
2021-05-01 0 days 1,523 sqft
2021-06-01 0 days 1,510 sqft
2021-07-01 0 days 1,495 sqft
2021-08-01 0 days 1,452 sqft
2021-09-01 0 days 1,456 sqft
2021-10-01 0 days 1,491 sqft
2021-11-01 0 days 1,494 sqft
2021-12-01 0 days 1,494 sqft
2022-01-01 0 days 1,496 sqft
2022-02-01 0 days 1,593 sqft
2022-03-01 0 days 1,249 sqft
2022-04-01 0 days 1,288 sqft
2022-05-01 0 days 1,358 sqft
2022-06-01 0 days 1,407 sqft
Beatrice's median listing age (time on market) for 2022-06-01 was 0 days.

Beatrice's median square footage for active listings during the 2022-06-01 period was 1,407 sqft. One year prior, the average listing was 1,510 sqft.