Fremont Mortgage Rates & Closing Costs

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

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

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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
West Gate Bank 61 6.59% $2,745
First National Bank of Omaha 31 6.67% $3,396
Pinnacle Bank 26 6.45% $3,100
Regent Financial Group, Inc. 13 6.69% $3,559
UNITED WHOLESALE MORTGAGE, LLC 8 6.68% $3,564
CASTLE & COOKE MORTGAGE, LLC 7 6.94% $4,781
CHARTER WEST BANK 7 6.86% $3,379
QUICKEN LOANS, LLC 6 7.19% $6,386
DHI MORTGAGE COMPANY, LTD. 4 5.75% $4,657
U.S. Bank 4 6.44% $2,772
GUARANTEED RATE, INC. 4 6.96% $3,412
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 6.94% $3,902
CORNHUSKER BANK 3 7.04% $2,316
Lincoln FSB of Nebraska 3 6.29% $2,901
CROSSCOUNTRY MORTGAGE, LLC 2 6.75% $3,570
Access Bank 2 6.81% $3,103
BMO Harris Bank 2 7.06% $2,933
Northwest Bank 2 6.31% $2,958
VERIDIAN CREDIT UNION 2 6.94% $1,936
American Mortgage & Equity Consultants, Inc. 2 6.56% $3,482
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.31% $4,681
PNC Bank 1 6.25% $3,398
Prosperity Home Mortgage, LLC 1 7.13% $3,529
The Federal Savings Bank 1 7.00% $9,817
TOWNE MORTGAGE COMPANY 1 6.13% $3,599
Wells Fargo Bank 1 6.75% $2,592
Union Bank and Trust Company 1 6.75% $3,119
Ally Bank 1 6.50% $2,541
Arbor Bank 1 6.00% $3,103
Baxter Credit Union 1 6.38% $4,250
CHURCHILL MORTGAGE CORPORATION 1 5.75% $4,265
Citizens Bank 1 7.00% $3,953
CMG MORTGAGE, INC. 1 6.99% $3,523
Core Bank 1 10.63% $6,215
Deere Employees Credit Union 1 5.74% $3,038
DELMAR FINANCIAL COMPANY 1 6.13% $3,171
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $4,004
Farm Credit Mid-America, ACA 1 6.50% $5,053
First Interstate Bank 1 6.75% $3,126
Gateway First Bank 1 7.25% $4,297
GUILD MORTGAGE COMPANY 1 7.49% $2,957
IOWA BANKERS MORTGAGE CORPORATION 1 7.00% $1,697
METRO CU 1 6.88% $2,767
MORIA DEVELOPMENT, INC. 1 6.63% $2,994
NBKC BANK 1 7.13% $2,524
PENTAGON FEDERAL CREDIT UNION 1 6.63% $2,025
Plains Commerce Bank 1 6.88% $3,810

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.