Fremont Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Fremont averaged
6.86%
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
6.99% and
one month ago for the week of 2025-05-15, the
average rate was 6.96%.
Fremont's average rate one year ago was 6.7%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Fremont 30 Year Fixed Rate | 2025-06-18 | 6.86% |
| Fremont 30 Year Fixed Rate Refi | 2025-06-18 | 6.91% |
| Fremont 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Fremont 15 Year Fixed Rate Refi | 2025-06-18 | 6.46% |
| Fremont 30 Year FHA | 2025-06-18 | -0.12% |
| Fremont 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Fremont 30 Year USDA | 2025-06-18 | -0.1% |
| Fremont 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Fremont 30 Year VA | 2025-06-18 | 0.1% |
| Fremont 30 Year VA Refi | 2025-06-18 | 0.1% |
Fremont 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 Fremont, 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.).
Fremont Average Closing Costs & Other Stats
Fremont, NE's 47 lenders originated 816
loans during 2024. The total origination value was $133,880,000, with an average loan value of
$164,069.
Fremont's average closing costs are $3,862.
The top Fremont lender as defined by loan originations is West Gate Bank, with
61 loans originated. Their average total fees are
$2,745, which is $651
lower than the next largest lender,
First National Bank of Omaha.
The lowest fee Fremont lenders (with over 10 loans originated) are
West Gate Bank ($2,745), Pinnacle Bank ($3,100), First National Bank of Omaha ($3,396), Regent Financial Group, Inc. ($3,559) and .
The lowest rate Fremont lenders (with over 10 loans originated) are
Pinnacle Bank (6.45%), West Gate Bank (6.59%), First National Bank of Omaha (6.67%), Regent Financial Group, Inc. (6.69%) and .
Fremont, 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 | $18,600,000 | $17,680,000 | -4.9% | 13.2% |
| West Gate Bank | $11,255,000 | $15,700,000 | 39.5% | 11.7% |
| First National Bank of Omaha | $13,100,000 | $12,025,000 | -8.2% | 9.0% |
| Regent Financial Group, Inc. | $5,590,000 | $5,130,000 | -8.2% | 3.8% |
| CHARTER WEST BANK | $3,760,000 | $4,910,000 | 30.6% | 3.7% |
| QUICKEN LOANS, LLC | $6,945,000 | $4,585,000 | -34.0% | 3.4% |
| DHI MORTGAGE COMPANY, LTD. | $3,440,000 | $3,620,000 | 5.2% | 2.7% |
| CASTLE & COOKE MORTGAGE, LLC | $4,020,000 | $3,510,000 | -12.7% | 2.6% |
| GUARANTEED RATE, INC. | $2,020,000 | $2,685,000 | 32.9% | 2.0% |
| GREYSTONE SERVICING COMPANY LLC | $2,325,000 | n/a | 1.7% | |
| UNITED WHOLESALE MORTGAGE, LLC | $1,555,000 | $2,310,000 | 48.6% | 1.7% |
| VERIDIAN CREDIT UNION | $1,475,000 | $1,845,000 | 25.1% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $1,795,000 | n/a | 1.3% | |
| U.S. Bank | $3,420,000 | $1,785,000 | -47.8% | 1.3% |
| Access Bank | $280,000 | $1,490,000 | 432.1% | 1.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $790,000 | $1,400,000 | 77.2% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $395,000 | $1,265,000 | 220.3% | 0.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $915,000 | $1,165,000 | 27.3% | 0.9% |
| CORNHUSKER BANK | $1,075,000 | n/a | 0.8% | |
| CROSSCOUNTRY MORTGAGE, LLC | $105,000 | $1,035,000 | 885.7% | 0.8% |
| Core Bank | $535,000 | $1,010,000 | 88.8% | 0.8% |
| Mortgage Research Center, LLC | $1,830,000 | $1,005,000 | -45.1% | 0.8% |
| Union Bank and Trust Company | $1,435,000 | $1,000,000 | -30.3% | 0.7% |
| Gateway First Bank | $905,000 | $990,000 | 9.4% | 0.7% |
| GUILD MORTGAGE COMPANY | $675,000 | $975,000 | 44.4% | 0.7% |
| Northwest Bank | $75,000 | $920,000 | 1,126.7% | 0.7% |
| Prosperity Home Mortgage, LLC | $670,000 | $845,000 | 26.1% | 0.6% |
| Farm Credit Mid-America, ACA | $1,555,000 | $830,000 | -46.6% | 0.6% |
| BMO Harris Bank | $450,000 | $770,000 | 71.1% | 0.6% |
| Plains Commerce Bank | $1,200,000 | $750,000 | -37.5% | 0.6% |
| Foundation One Bank | $115,000 | $725,000 | 530.4% | 0.5% |
| Lincoln FSB of Nebraska | $340,000 | $720,000 | 111.8% | 0.5% |
| CMG MORTGAGE, INC. | $885,000 | $665,000 | -24.9% | 0.5% |
| LOANDEPOT.COM, LLC | $340,000 | $665,000 | 95.6% | 0.5% |
| Cornerstone Bank | $695,000 | $620,000 | -10.8% | 0.5% |
| American Mortgage & Equity Consultants, Inc. | $165,000 | $580,000 | 251.5% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $580,000 | n/a | 0.4% | |
| American National Bank | $10,825,000 | $575,000 | -94.7% | 0.4% |
| CENTRIS FEDERAL CREDIT UNION | $405,000 | $575,000 | 42.0% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $430,000 | $515,000 | 19.8% | 0.4% |
| Cobalt Credit Union | $1,065,000 | $505,000 | -52.6% | 0.4% |
| CARDINAL FINANCIAL | $475,000 | n/a | 0.4% | |
| Baxter Credit Union | $465,000 | n/a | 0.3% | |
| Wells Fargo Bank | $1,380,000 | $430,000 | -68.8% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $455,000 | $425,000 | -6.6% | 0.3% |
| METRO CU | $420,000 | n/a | 0.3% | |
| NBKC BANK | $415,000 | n/a | 0.3% | |
| The Federal Savings Bank | $395,000 | n/a | 0.3% | |
| Midwest Heritage Bank FSB | $385,000 | n/a | 0.3% | |
| MORIA DEVELOPMENT, INC. | $440,000 | $370,000 | -15.9% | 0.3% |
| Citizens Bank & Trust Co. | $365,000 | n/a | 0.3% | |
| DELMAR FINANCIAL COMPANY | $195,000 | $360,000 | 84.6% | 0.3% |
| First Interstate Bank | $390,000 | $335,000 | -14.1% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $555,000 | $325,000 | -41.4% | 0.2% |
| Discover Bank | $205,000 | $295,000 | 43.9% | 0.2% |
| IOWA BANKERS MORTGAGE CORPORATION | $265,000 | n/a | 0.2% | |
| NEW DAY FINANCIAL, LLC | $605,000 | $255,000 | -57.9% | 0.2% |
| ZILLOW HOME LOANS, LLC | $235,000 | n/a | 0.2% | |
| Barrington Bank & Trust Company, N.A. | $485,000 | $205,000 | -57.7% | 0.2% |
| PNC Bank | $205,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $245,000 | $185,000 | -24.5% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $290,000 | $185,000 | -36.2% | 0.1% |
| Deere Employees Credit Union | $175,000 | n/a | 0.1% | |
| GERSHMAN INVESTMENT CORP. | $510,000 | $175,000 | -65.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $410,000 | $170,000 | -58.5% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $155,000 | n/a | 0.1% | |
| United States Senate Federal Credit Union | $155,000 | n/a | 0.1% | |
| Washington County Bank | $150,000 | $150,000 | 0.0% | 0.1% |
| Ally Bank | $145,000 | n/a | 0.1% | |
| First Bank | $115,000 | $145,000 | 26.1% | 0.1% |
| Arbor Bank | $495,000 | $125,000 | -74.7% | 0.1% |
| Five Points Bank | $125,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $125,000 | n/a | 0.1% | |
| BROKER SOLUTIONS, INC. | $585,000 | $110,000 | -81.2% | 0.1% |
| Citizens Bank | $210,000 | $105,000 | -50.0% | 0.1% |
| CONSTRUCTIVE LOANS, LLC | $85,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $75,000 | n/a | 0.1% | |
| Bank of America | $55,000 | n/a | 0.0% | |
| KELLOGG MIDWEST FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $45,000 | n/a | 0.0% | |
| OMAHA FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| Coastal Community Bank | $130,000 | $25,000 | -80.8% | 0.0% |
| Figure Lending LLC | $80,000 | $25,000 | -68.8% | 0.0% |
Fremont's top lender by overall market share is Pinnacle Bank, with 13.2% market share. In second place, with 11.7%, is West Gate Bank, having originated $15,700,000 in loans. In third place, with 9.0%, is First National Bank of Omaha, having originated $12,025,000 in loans. In fourth place, with 3.8%, is Regent Financial Group, Inc., having originated $5,130,000 in loans. In fifth place, with 3.7%, is CHARTER WEST BANK, having originated $4,910,000 in loans.
Fremont, NE Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 488 | $91,640,000 | $187,787 |
| Refi | 102 | $21,590,000 | $211,667 |
| Home Improvement | 89 | $6,085,000 | $68,371 |
| Other | 73 | $4,575,000 | $62,671 |
| Cash Out Refi | 64 | $9,990,000 | $156,094 |
Fremont's most frequently cited loan purpose was Home Purchase, with 488 originations. The 2nd most popular reason was Refi, with 102 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 268 | $57,740,000 | $215,448 |
| 7-8% | 138 | $25,000,000 | $181,159 |
| Over 8% | 124 | $8,520,000 | $68,710 |
| 5-6% | 84 | $15,980,000 | $190,238 |
| <2.5% | 67 | $925,000 | $13,806 |
| 4-5% | 9 | $2,325,000 | $258,333 |
| 3-4% | 1 | $75,000 | $75,000 |
During 2024, Fremont's most frequently originated rate bucket was 6-7%, with 268 originations.
Loan Sizing (Fremont, NE MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 301 | $12,595,000 | $41,844 |
| $100k-200k | 255 | $38,965,000 | $152,804 |
| $200k-400k | 224 | $58,720,000 | $262,143 |
| $400k-600k | 22 | $10,580,000 | $480,909 |
| $600k-1000k | 10 | $6,930,000 | $693,000 |
| $Over $1MM | 4 | $6,090,000 | $1,522,500 |
Fremont's loan sizing saw the bucket of loans from $100,000 or less with 301 originations, totaling $12,595,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 266 | $58,130,000 | $218,534 |
| Under 20% | 150 | $4,330,000 | $28,867 |
| 60-80% | 120 | $29,050,000 | $242,083 |
| 20-40% | 73 | $6,885,000 | $94,315 |
| 40-60% | 61 | $10,025,000 | $164,344 |
| Over 100% | 4 | $1,020,000 | $255,000 |
Fremont's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 266 originations, totaling $58,130,000 in origination value.