Columbus Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Columbus averaged 6.85% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.86% and one month ago for the week of 2025-02-27, the average rate was 6.57%.

    Columbus's average rate one year ago was 6.9%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.94%.

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

    Columbus 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 Columbus, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Pinnacle Bank 39 6.52% $2,691
    West Gate Bank 35 6.57% $2,712
    CHARTER WEST BANK 25 6.92% $4,105
    Plains Commerce Bank 23 6.95% $3,088
    QUICKEN LOANS, LLC 12 6.73% $5,007
    First National Bank of Omaha 11 6.81% $3,468
    NexBank 4 6.66% $4,894
    Farm Credit Mid-America, ACA 3 7.29% $10,654
    U.S. Bank 3 7.00% $7,549
    Frontier Bank 2 6.68% $3,917
    BMO Harris Bank 2 7.13% $3,180
    CHURCHILL MORTGAGE CORPORATION 2 7.25% $4,101
    Mr. Cooper ( Nationstar Mortgage ) 2 6.81% $8,550
    UNITED WHOLESALE MORTGAGE, LLC 2 6.97% $6,780
    First Bank 1 6.88% $3,193
    FIRST COLONY MORTGAGE CORPORATION 1 7.50% $3,393
    FIRST COMMUNITY MORTGAGE, INC. 1 8.13% $5,575
    Deere Employees Credit Union 1 7.13% $2,530
    First State Bank 1 6.50% $3,692
    AMERICAN FINANCING CORPORATION 1 6.63% $10,821
    GUILD MORTGAGE COMPANY 1 6.63% $2,750
    IOWA BANKERS MORTGAGE CORPORATION 1 7.63% $1,735
    LIBERTY FIRST 1 6.99% $2,445
    Wells Fargo Bank 1 5.38% $3,872
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.63% $1,646
    NAVY FEDERAL CREDIT UNION 1 7.13% $1,338
    NEWREZ LLC 1 6.99% $4,682
    CROSSCOUNTRY MORTGAGE, LLC 1 6.95% $6,285
    CORNHUSKER BANK 1 6.63% $2,999
    Citizens Bank 1 6.50% $2,431
    Arbor Bank 1 6.63% $2,687
    Regent Financial Group, Inc. 1 7.13% $8,032
    The Loan Store, Inc. 1 6.88% $2,301
    Truist 1 6.38% $3,007
    American National Bank 1 7.13% $2,588
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.13% $3,717
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.13% $2,016
    Discover Bank 1 6.78% $0

    Columbus Average Closing Costs & Other Stats

    Columbus, NE's 38 lenders originated 550 loans during 2024. The total origination value was $121,690,000, with an average loan value of $221,255.

    Columbus's average closing costs are $4,114.

    The top Columbus lender as defined by loan originations is Pinnacle Bank, with 39 loans originated. Their average total fees are $2,691, which is $22 lower than the next largest lender, West Gate Bank.

    The lowest fee Columbus lenders (with over 10 loans originated) are Pinnacle Bank ($2,691), West Gate Bank ($2,712), Plains Commerce Bank ($3,088), First National Bank of Omaha ($3,468) and CHARTER WEST BANK ($4,105).

    The lowest rate Columbus lenders (with over 10 loans originated) are Pinnacle Bank (6.52%), West Gate Bank (6.57%), QUICKEN LOANS, LLC (6.73%), First National Bank of Omaha (6.81%) and CHARTER WEST BANK (6.92%).

    Columbus, 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 $23,310,000 $21,625,000 -7.2% 17.8%
    CHARTER WEST BANK $16,155,000 $16,790,000 3.9% 13.8%
    Plains Commerce Bank $4,380,000 $11,480,000 162.1% 9.4%
    West Gate Bank $2,495,000 $9,745,000 290.6% 8.0%
    GREYSTONE SERVICING COMPANY LLC $8,405,000 n/a 6.9%
    ORIX REAL ESTATE CAPITAL, LLC $7,475,000 n/a 6.1%
    QUICKEN LOANS, LLC $2,845,000 $5,980,000 110.2% 4.9%
    First National Bank of Omaha $7,695,000 $5,645,000 -26.6% 4.6%
    BankFirst $2,205,000 $3,545,000 60.8% 2.9%
    Mortgage Research Center, LLC $1,630,000 $2,975,000 82.5% 2.4%
    Farm Credit Mid-America, ACA $2,145,000 n/a 1.8%
    UNITED WHOLESALE MORTGAGE, LLC $6,720,000 $1,695,000 -74.8% 1.4%
    U.S. Bank $5,145,000 $1,695,000 -67.1% 1.4%
    FREEDOM MORTGAGE CORPORATION $1,095,000 $1,690,000 54.3% 1.4%
    First Nebraska Bank $1,805,000 $1,310,000 -27.4% 1.1%
    Union Bank and Trust Company $370,000 $1,195,000 223.0% 1.0%
    NAVY FEDERAL CREDIT UNION $205,000 $845,000 312.2% 0.7%
    NexBank $820,000 n/a 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $345,000 $815,000 136.2% 0.7%
    MUTUAL OF OMAHA MORTGAGE, INC. $360,000 $745,000 106.9% 0.6%
    Frontier Bank $750,000 $680,000 -9.3% 0.6%
    CROSSCOUNTRY MORTGAGE, LLC $660,000 n/a 0.5%
    Regent Financial Group, Inc. $455,000 $615,000 35.2% 0.5%
    The Loan Store, Inc. $540,000 n/a 0.4%
    CORNHUSKER BANK $505,000 n/a 0.4%
    BMO Harris Bank $110,000 $460,000 318.2% 0.4%
    CHURCHILL MORTGAGE CORPORATION $450,000 n/a 0.4%
    Discover Bank $440,000 $450,000 2.3% 0.4%
    Exchange Bank & Trust $415,000 n/a 0.3%
    Deere Employees Credit Union $405,000 n/a 0.3%
    American National Bank $395,000 n/a 0.3%
    PENNYMAC LOAN SERVICES, LLC $370,000 $380,000 2.7% 0.3%
    Carrington Mortgage Services, LLC $465,000 $360,000 -22.6% 0.3%
    FIRST COMMUNITY MORTGAGE, INC. $350,000 n/a 0.3%
    Paramount Residential Mortgage Group, Inc. $195,000 $315,000 61.5% 0.3%
    First State Bank $295,000 n/a 0.2%
    LAKEVIEW LOAN SERVICING, LLC $295,000 n/a 0.2%
    Arbor Bank $280,000 n/a 0.2%
    FIRST COLONY MORTGAGE CORPORATION $275,000 n/a 0.2%
    V.I.P. MORTGAGE, INC. $275,000 n/a 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,005,000 $255,000 -74.6% 0.2%
    First Federal Bank $255,000 $255,000 0.0% 0.2%
    LOANDEPOT.COM, LLC $360,000 $255,000 -29.2% 0.2%
    Prosperity Home Mortgage, LLC $255,000 $255,000 0.0% 0.2%
    CITY BANK & TRUST CO. $490,000 $245,000 -50.0% 0.2%
    First Bank $245,000 n/a 0.2%
    UNION HOME MORTGAGE CORP. $245,000 n/a 0.2%
    LIBERTY FIRST $635,000 $235,000 -63.0% 0.2%
    Washington County Bank $235,000 n/a 0.2%
    CASTLE & COOKE MORTGAGE, LLC $225,000 n/a 0.2%
    IOWA BANKERS MORTGAGE CORPORATION $225,000 n/a 0.2%
    Truist $215,000 n/a 0.2%
    Citizens Bank $290,000 $205,000 -29.3% 0.2%
    Flagstar Bank, FSB $315,000 $205,000 -34.9% 0.2%
    USAA Federal Savings Bank $205,000 n/a 0.2%
    AMERICAN FINANCING CORPORATION $185,000 n/a 0.2%
    GERSHMAN INVESTMENT CORP. $185,000 n/a 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $255,000 $185,000 -27.5% 0.2%
    LENDINGONE, LLC $165,000 n/a 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $145,000 n/a 0.1%
    Wells Fargo Bank $165,000 $145,000 -12.1% 0.1%
    GUILD MORTGAGE COMPANY $120,000 n/a 0.1%
    Baxter Credit Union $925,000 $115,000 -87.6% 0.1%
    VERIDIAN CREDIT UNION $45,000 $95,000 111.1% 0.1%
    JPMorgan Chase Bank $450,000 $85,000 -81.1% 0.1%
    RESIDENTIAL BANCORP $85,000 n/a 0.1%
    Coastal Community Bank $145,000 $80,000 -44.8% 0.1%
    CENTRIS FEDERAL CREDIT UNION $75,000 n/a 0.1%
    Cobalt Credit Union $75,000 n/a 0.1%
    First Interstate Bank $275,000 $65,000 -76.4% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $65,000 n/a 0.1%
    Bank of America $55,000 n/a 0.0%
    Cornerstone Bank $185,000 $55,000 -70.3% 0.0%
    Gateway First Bank $95,000 $55,000 -42.1% 0.0%
    NEWREZ LLC $235,000 $55,000 -76.6% 0.0%
    PNC Bank $35,000 $55,000 57.1% 0.0%
    Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%

    Columbus's top lender by overall market share is Pinnacle Bank, with 17.8% market share. In second place, with 13.8%, is CHARTER WEST BANK, having originated $16,790,000 in loans. In third place, with 9.4%, is Plains Commerce Bank, having originated $11,480,000 in loans. In fourth place, with 8.0%, is West Gate Bank, having originated $9,745,000 in loans. In fifth place, with 6.9%, is GREYSTONE SERVICING COMPANY LLC, having originated $8,405,000 in loans.

    Columbus Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Columbus (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 $174,950 (-12.1%) $206,393 (-5.6%) 0.00 72
    2018-02-01 $184,600 (-13.9%) $209,148 (-9.0%) 0.00 73
    2018-03-01 $194,900 (-6.5%) $213,947 (-7.6%) 0.00 63
    2018-04-01 $212,225 (16.0%) $223,304 (-1.7%) 0.00 68
    2018-05-01 $225,000 (12.7%) $227,467 (7.6%) 0.00 68
    2018-06-01 $210,000 (12.4%) $224,685 (7.8%) 0.00 77
    2018-07-01 $189,675 (2.5%) $212,495 (2.7%) 0.00 77
    2018-08-01 $197,100 (6.6%) $210,208 (0.4%) 0.00 87
    2018-09-01 $191,950 (-3.0%) $210,486 (-1.6%) 0.00 87
    2018-10-01 $219,425 (18.1%) $223,450 (5.4%) 0.00 80
    2018-11-01 $214,900 (22.8%) $220,442 (5.8%) 0.00 86
    2018-12-01 $208,900 (16.1%) $222,657 (4.8%) 0.00 79
    2019-01-01 $223,725 (27.9%) $239,824 (16.2%) 0.00 72
    2019-02-01 $226,225 (22.6%) $239,132 (14.3%) 0.00 73
    2019-03-01 $225,000 (15.4%) $233,130 (9.0%) 0.00 75
    2019-04-01 $225,000 (6.0%) $231,953 (3.9%) 0.00 78
    2019-05-01 $229,900 (2.2%) $233,413 (2.6%) 0.00 94
    2019-06-01 $229,900 (9.5%) $249,280 (11.0%) 0.00 85
    2019-07-01 $229,900 (21.2%) $248,759 (17.1%) 0.00 86
    2019-08-01 $218,745 (11.0%) $246,180 (17.1%) 0.00 84
    2019-09-01 $202,014 (5.2%) $237,604 (12.9%) 0.00 89
    2019-10-01 $193,334 (-11.9%) $232,685 (4.1%) 0.00 90
    2019-11-01 $200,000 (-6.9%) $245,747 (11.5%) 0.00 83
    2019-12-01 $199,725 (-4.4%) $240,801 (8.2%) 0.00 69
    2020-01-01 $232,200 (3.8%) $251,643 (4.9%) 0.00 63
    2020-02-01 $259,000 (14.5%) $267,135 (11.7%) 0.00 60
    2020-03-01 $270,200 (20.1%) $278,597 (19.5%) 0.00 71
    2020-04-01 $274,925 (22.2%) $287,789 (24.1%) 0.00 73
    2020-05-01 $256,250 (11.5%) $272,380 (16.7%) 0.00 84
    2020-06-01 $254,675 (10.8%) $279,879 (12.3%) 0.00 67
    2020-07-01 $275,975 (20.0%) $288,260 (15.9%) 0.00 58
    2020-08-01 $260,000 (18.9%) $286,599 (16.4%) 0.00 61
    2020-09-01 $244,250 (20.9%) $257,043 (8.2%) 0.00 69
    2020-10-01 $255,000 (31.9%) $262,962 (13.0%) 0.00 74
    2020-11-01 $246,075 (23.0%) $266,814 (8.6%) 0.00 66
    2020-12-01 $249,900 (25.1%) $270,994 (12.5%) 0.00 60
    2021-01-01 $237,450 (2.3%) $263,684 (4.8%) 0.00 49
    2021-02-01 $237,000 (-8.5%) $281,659 (5.4%) 0.00 35
    2021-03-01 $266,500 (-1.4%) $273,650 (-1.8%) 0.00 42
    2021-04-01 $270,625 (-1.6%) $266,997 (-7.2%) 0.00 39
    2021-05-01 $266,950 (4.2%) $276,368 (1.5%) 0.00 36
    2021-06-01 $284,500 (11.7%) $287,278 (2.6%) 0.00 42
    2021-07-01 $285,450 (3.4%) $287,915 (-0.1%) 0.00 50
    2021-08-01 $240,000 (-7.7%) $266,032 (-7.2%) 0.00 48
    2021-09-01 $215,625 (-11.7%) $241,890 (-5.9%) 0.00 47
    2021-10-01 $229,500 (-10.0%) $246,880 (-6.1%) 0.00 56
    2021-11-01 $239,925 (-2.5%) $268,639 (0.7%) 0.00 65
    2021-12-01 $272,475 (9.0%) $290,754 (7.3%) 0.00 58
    2022-01-01 $264,900 (11.6%) $283,105 (7.4%) 0.00 52
    2022-02-01 $264,950 (11.8%) $288,998 (2.6%) 0.00 44
    2022-03-01 $264,900 (-0.6%) $296,163 (8.2%) 0.00 42
    2022-04-01 $309,000 (14.2%) $337,555 (26.4%) 0.00 45
    2022-05-01 $285,000 (6.8%) $325,635 (17.8%) 0.00 63
    2022-06-01 $285,000 (0.2%) $320,296 (11.5%) 0.00 69
    2022-07-01 $285,000 (-0.2%) $343,358 (19.3%) 0.00 72
    2022-08-01 $285,000 (18.8%) $320,825 (20.6%) 0.00 76
    2022-09-01 $288,500 (33.8%) $329,185 (36.1%) 0.00 84
    2022-10-01 $293,200 (27.8%) $323,829 (31.2%) 0.00 77
    2022-11-01 $298,725 (24.5%) $331,921 (23.6%) 0.00 67
    2022-12-01 $285,000 (4.6%) $314,262 (8.1%) 0.00 68
    2023-01-01 $281,250 (6.2%) $308,370 (8.9%) 0.00 71
    2023-02-01 $280,750 (6.0%) $309,853 (7.2%) 0.00 69
    2023-03-01 $285,000 (7.6%) $317,776 (7.3%) 0.00 63
    2023-04-01 $269,900 (-12.7%) $312,677 (-7.4%) 0.00 75
    2023-05-01 $278,450 (-2.3%) $325,055 (-0.2%) 0.00 66
    2023-06-01 $315,000 (10.5%) $366,838 (14.5%) 0.00 64
    2023-07-01 $307,000 (7.7%) $351,273 (2.3%) 0.00 65
    2023-08-01 $316,225 (11.0%) $345,310 (7.6%) 0.00 84
    2023-09-01 $300,000 (4.0%) $337,789 (2.6%) 0.00 84
    2023-10-01 $314,500 (7.3%) $341,086 (5.3%) 0.00 91
    2023-11-01 $319,000 (6.8%) $339,046 (2.2%) 0.00 87
    2023-12-01 $319,900 (12.3%) $330,839 (5.3%) 0.00 84
    2024-01-01 $295,975 (5.2%) $317,905 (3.1%) 0.00 85
    2024-02-01 $284,675 (1.4%) $312,509 (0.9%) 0.00 80
    2024-03-01 $289,950 (1.7%) $311,637 (-1.9%) 0.00 85
    2024-04-01 $296,750 (10.0%) $315,735 (1.0%) 0.00 83
    2024-05-01 $305,000 (9.5%) $332,798 (2.4%) 0.00 82
    2024-06-01 $312,500 (-0.8%) $346,837 (-5.5%) 0.00 73
    2024-07-01 $333,738 (8.7%) $371,099 (5.6%) 0.00 74
    2024-08-01 $328,700 (3.9%) $350,682 (1.6%) 0.00 78
    2024-09-01 $338,675 (12.9%) $367,163 (8.7%) 0.00 82
    2024-10-01 $322,500 (2.5%) $341,011 (0.0%) 0.00 96
    2024-11-01 $295,000 (-7.5%) $329,983 (-2.7%) 0.00 105
    2024-12-01 $299,500 (-6.4%) $332,562 (0.5%) 0.00 99
    2025-01-01 $294,500 (-0.5%) $328,877 (3.5%) 0.00 101
    2025-02-01 $315,500 (10.8%) $334,503 (7.0%) 0.00 105
    2025-03-01 $305,000 (5.2%) $326,782 (4.9%) 0.00 110
    Columbus's median listing price for 2025-03-01 was $305,000, a difference of $15,050 (5.2%) versus the prior year and $-10,500 versus the prior month.

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

    Columbus's average listing price for 2025-03-01 was $326,782, a difference of $15,145 (4.9%) versus the prior year and $-7,721 versus the prior month.

    For the 2025-03-01 period, Columbus had 110 MLS listings, a difference of 5 listings (5%) versus the prior month and 25 listings (29%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Columbus (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,582 sqft
    2018-02-01 0 days 1,540 sqft
    2018-03-01 0 days 1,456 sqft
    2018-04-01 0 days 1,519 sqft
    2018-05-01 0 days 1,536 sqft
    2018-06-01 0 days 1,557 sqft
    2018-07-01 0 days 1,572 sqft
    2018-08-01 0 days 1,544 sqft
    2018-09-01 0 days 1,527 sqft
    2018-10-01 0 days 1,588 sqft
    2018-11-01 0 days 1,588 sqft
    2018-12-01 0 days 1,560 sqft
    2019-01-01 0 days 1,685 sqft
    2019-02-01 0 days 1,654 sqft
    2019-03-01 0 days 1,650 sqft
    2019-04-01 0 days 1,650 sqft
    2019-05-01 0 days 1,700 sqft
    2019-06-01 0 days 1,729 sqft
    2019-07-01 0 days 1,753 sqft
    2019-08-01 0 days 1,731 sqft
    2019-09-01 0 days 1,662 sqft
    2019-10-01 0 days 1,588 sqft
    2019-11-01 0 days 1,666 sqft
    2019-12-01 0 days 1,660 sqft
    2020-01-01 0 days 1,687 sqft
    2020-02-01 0 days 1,713 sqft
    2020-03-01 0 days 1,635 sqft
    2020-04-01 0 days 1,739 sqft
    2020-05-01 0 days 1,699 sqft
    2020-06-01 0 days 1,706 sqft
    2020-07-01 0 days 1,861 sqft
    2020-08-01 0 days 1,861 sqft
    2020-09-01 0 days 1,661 sqft
    2020-10-01 0 days 1,589 sqft
    2020-11-01 0 days 1,638 sqft
    2020-12-01 0 days 1,635 sqft
    2021-01-01 0 days 1,656 sqft
    2021-02-01 0 days 1,612 sqft
    2021-03-01 0 days 1,581 sqft
    2021-04-01 0 days 1,505 sqft
    2021-05-01 0 days 1,456 sqft
    2021-06-01 0 days 1,620 sqft
    2021-07-01 0 days 1,587 sqft
    2021-08-01 0 days 1,443 sqft
    2021-09-01 0 days 1,383 sqft
    2021-10-01 0 days 1,448 sqft
    2021-11-01 0 days 1,480 sqft
    2021-12-01 0 days 1,537 sqft
    2022-01-01 0 days 1,456 sqft
    2022-02-01 0 days 1,456 sqft
    2022-03-01 0 days 1,462 sqft
    2022-04-01 0 days 1,603 sqft
    2022-05-01 0 days 1,539 sqft
    2022-06-01 0 days 1,559 sqft
    2022-07-01 0 days 1,600 sqft
    2022-08-01 0 days 1,538 sqft
    2022-09-01 0 days 1,471 sqft
    2022-10-01 0 days 1,485 sqft
    2022-11-01 0 days 1,543 sqft
    2022-12-01 0 days 1,449 sqft
    2023-01-01 0 days 1,422 sqft
    2023-02-01 0 days 1,422 sqft
    2023-03-01 0 days 1,422 sqft
    2023-04-01 0 days 1,431 sqft
    2023-05-01 0 days 1,511 sqft
    2023-06-01 0 days 1,549 sqft
    2023-07-01 0 days 1,545 sqft
    2023-08-01 0 days 1,511 sqft
    2023-09-01 0 days 1,499 sqft
    2023-10-01 0 days 1,552 sqft
    2023-11-01 0 days 1,508 sqft
    2023-12-01 0 days 1,516 sqft
    2024-01-01 0 days 1,466 sqft
    2024-02-01 0 days 1,424 sqft
    2024-03-01 0 days 1,446 sqft
    2024-04-01 0 days 1,454 sqft
    2024-05-01 0 days 1,430 sqft
    2024-06-01 0 days 1,481 sqft
    2024-07-01 0 days 1,604 sqft
    2024-08-01 0 days 1,606 sqft
    2024-09-01 0 days 1,550 sqft
    2024-10-01 0 days 1,388 sqft
    2024-11-01 0 days 1,378 sqft
    2024-12-01 0 days 1,427 sqft
    2025-01-01 0 days 1,423 sqft
    2025-02-01 0 days 1,411 sqft
    2025-03-01 0 days 1,405 sqft
    Columbus's median listing age (time on market) for 2025-03-01 was 0 days.

    Columbus's median square footage for active listings during the 2025-03-01 period was 1,405 sqft. One year prior, the average listing was 1,446 sqft.

    Columbus, NE Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 363 $90,195,000 $248,471
    Refi 55 $18,005,000 $327,364
    Cash Out Refi 53 $8,945,000 $168,774
    Other 47 $2,635,000 $56,064
    Home Improvement 32 $1,910,000 $59,688

    Columbus's most frequently cited loan purpose was Home Purchase, with 363 originations. The 2nd most popular reason was Refi, with 55 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 219 $59,215,000 $270,388
    7-8% 131 $27,115,000 $206,985
    Over 8% 83 $6,035,000 $72,711
    5-6% 62 $22,530,000 $363,387
    <2.5% 23 $205,000 $8,913
    4-5% 3 $755,000 $251,667
    3-4% 1 $5,000 $5,000

    During 2024, Columbus's most frequently originated rate bucket was 6-7%, with 219 originations.

    Loan Sizing (Columbus, NE MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 225 $59,385,000 $263,933
    $100k-200k 162 $25,130,000 $155,123
    $100,000 or less 131 $5,785,000 $44,160
    $400k-600k 23 $10,645,000 $462,826
    $600k-1000k 7 $4,865,000 $695,000
    $Over $1MM 2 $15,880,000 $7,940,000

    Columbus's loan sizing saw the bucket of loans from $200k-400k with 225 originations, totaling $59,385,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 219 $54,025,000 $246,689
    60-80% 98 $32,440,000 $331,020
    Under 20% 81 $2,705,000 $33,395
    20-40% 55 $5,715,000 $103,909
    40-60% 49 $9,175,000 $187,245
    Over 100% 6 $8,860,000 $1,476,667

    Columbus's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 219 originations, totaling $54,025,000 in origination value.