Hastings Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Hastings averaged 6.85% 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 6.88% and one month ago for the week of 2025-05-15, the average rate was 6.55%.

Hastings's average rate one year ago was 6.89%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.21%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Hastings 30 Year Fixed Rate 2025-06-18 6.85%
Hastings 30 Year Fixed Rate Refi 2025-06-18 7.21%
Hastings 15 Year Fixed Rate 2025-06-18 5.96%
Hastings 15 Year Fixed Rate Refi 2025-06-18 6.16%
Hastings 30 Year FHA 2025-06-18 -0.34%
Hastings 30 Year FHA Refi 2025-06-18 0.1%
Hastings 30 Year USDA 2025-06-18 0%
Hastings 30 Year USDA Refi 2025-06-18 -0.2%
Hastings 30 Year VA 2025-06-18 0.2%
Hastings 30 Year VA Refi 2025-06-18 -0.2%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Hastings, NE.

Hastings 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 Hastings, 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 29 6.58% $2,753
Gateway First Bank 29 6.79% $3,026
CHARTER WEST BANK 25 6.47% $3,065
Home Federal Savings & Loan Association of Grand Island 11 7.00% $2,619
West Gate Bank 11 6.69% $2,604
QUICKEN LOANS, LLC 8 6.89% $6,040
First National Bank of Omaha 7 6.89% $3,571
U.S. Bank 7 6.68% $2,601
Union Bank and Trust Company 4 6.50% $2,831
GUARANTEED RATE, INC. 3 6.79% $4,536
Wells Fargo Bank 3 6.46% $4,010
UNITED WHOLESALE MORTGAGE, LLC 2 6.75% $7,980
Ally Bank 2 6.88% $6,958
MORIA DEVELOPMENT, INC. 2 8.00% $7,173
Paramount Residential Mortgage Group, Inc. 2 6.25% $4,833
CENTENNIAL LENDING, LLC 2 6.88% $3,909
Deere Employees Credit Union 2 5.99% $3,046
DELMAR FINANCIAL COMPANY 2 6.13% $3,729
ZILLOW HOME LOANS, LLC 1 6.88% $4,108
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.49% $5,646
CARDINAL FINANCIAL 1 6.50% $2,769
Carrington Mortgage Services, LLC 1 6.63% $5,195
Central National Bank 1 6.50% $2,045
CENTRIS FEDERAL CREDIT UNION 1 7.00% $2,527
CHURCHILL MORTGAGE CORPORATION 1 6.88% $3,314
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.88% $4,167
First Interstate Bank 1 6.38% $2,643
First State Bank 1 6.50% $4,031
FREEDOM MORTGAGE CORPORATION 1 6.63% $11,020
GUARANTEED RATE AFFINITY, LLC 1 6.63% $68
JPMorgan Chase Bank 1 6.75% $5,411
LIBERTY FIRST 1 6.88% $3,205
NAVY FEDERAL CREDIT UNION 1 6.75% $1,409
USAA Federal Savings Bank 1 7.00% $2,202
Adams Bank & Trust 1 6.63% $2,122

Hastings Average Closing Costs & Other Stats

Hastings, NE's 35 lenders originated 533 loans during 2024. The total origination value was $108,785,000, with an average loan value of $204,099.

Hastings's average closing costs are $3,906.

The top Hastings lender as defined by loan originations is Pinnacle Bank, with 29 loans originated. Their average total fees are $2,753, which is $273 lower than the next largest lender, Gateway First Bank.

The lowest fee Hastings lenders (with over 10 loans originated) are West Gate Bank ($2,604), Home Federal Savings & Loan Association of Grand Island ($2,619), Pinnacle Bank ($2,753), Gateway First Bank ($3,026) and CHARTER WEST BANK ($3,065).

The lowest rate Hastings lenders (with over 10 loans originated) are CHARTER WEST BANK (6.47%), Pinnacle Bank (6.58%), West Gate Bank (6.69%), Gateway First Bank (6.79%) and Home Federal Savings & Loan Association of Grand Island (7.00%).

Hastings, 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 $13,955,000 $37,530,000 168.9% 34.5%
Gateway First Bank $8,605,000 $11,570,000 34.5% 10.6%
CHARTER WEST BANK $10,075,000 $8,620,000 -14.4% 7.9%
QUICKEN LOANS, LLC $4,840,000 $5,275,000 9.0% 4.8%
Home Federal Savings & Loan Association of Grand Island $2,605,000 $3,770,000 44.7% 3.5%
West Gate Bank $3,245,000 $2,795,000 -13.9% 2.6%
Mortgage Research Center, LLC $1,255,000 $2,770,000 120.7% 2.5%
FREEDOM MORTGAGE CORPORATION $615,000 $2,485,000 304.1% 2.3%
U.S. Bank $4,355,000 $2,285,000 -47.5% 2.1%
First National Bank of Omaha $1,575,000 $1,990,000 26.3% 1.8%
UNITED WHOLESALE MORTGAGE, LLC $360,000 $1,850,000 413.9% 1.7%
Union Bank and Trust Company $65,000 $1,670,000 2,469.2% 1.5%
Heritage Bank $1,250,000 $1,410,000 12.8% 1.3%
Cornerstone Bank $275,000 $1,260,000 358.2% 1.2%
GUARANTEED RATE, INC. $1,035,000 n/a 1.0%
MORIA DEVELOPMENT, INC. $2,165,000 $980,000 -54.7% 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $570,000 $930,000 63.2% 0.9%
Wells Fargo Bank $2,095,000 $885,000 -57.8% 0.8%
DELMAR FINANCIAL COMPANY $340,000 $825,000 142.6% 0.8%
First Interstate Bank $915,000 $775,000 -15.3% 0.7%
PENNYMAC LOAN SERVICES, LLC $260,000 $725,000 178.8% 0.7%
Equitable Bank $975,000 $645,000 -33.8% 0.6%
JPMorgan Chase Bank $520,000 $610,000 17.3% 0.6%
Paramount Residential Mortgage Group, Inc. $500,000 n/a 0.5%
Deere Employees Credit Union $585,000 $490,000 -16.2% 0.5%
Ally Bank $440,000 n/a 0.4%
Five Points Bank $395,000 $410,000 3.8% 0.4%
CENTENNIAL LENDING, LLC $385,000 n/a 0.4%
GUARANTEED RATE AFFINITY, LLC $385,000 n/a 0.4%
21ST MORTGAGE CORPORATION $320,000 $380,000 18.8% 0.3%
LIBERTY FIRST $300,000 $380,000 26.7% 0.3%
LAKEVIEW LOAN SERVICING, LLC $345,000 n/a 0.3%
CHURCHILL MORTGAGE CORPORATION $330,000 n/a 0.3%
Farm Credit Mid-America, ACA $525,000 $330,000 -37.1% 0.3%
AMERICAN PACIFIC MORTGAGE CORPORATION $325,000 n/a 0.3%
USAA Federal Savings Bank $235,000 $320,000 36.2% 0.3%
VILLAGE CAPITAL MORTGAGE $320,000 n/a 0.3%
CARDINAL FINANCIAL $255,000 n/a 0.2%
PREMIA MORTGAGE, LLC $255,000 n/a 0.2%
ZILLOW HOME LOANS, LLC $135,000 $245,000 81.5% 0.2%
ARCHER COOPERATIVE CREDIT UNION $65,000 $235,000 261.5% 0.2%
Central National Bank $235,000 n/a 0.2%
First State Bank $235,000 n/a 0.2%
Prosperity Home Mortgage, LLC $235,000 n/a 0.2%
The Central Trust Bank $235,000 n/a 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $225,000 n/a 0.2%
AmeriHome Mortgage Company, LLC $215,000 n/a 0.2%
S1L, Inc. $215,000 n/a 0.2%
CENTRIS FEDERAL CREDIT UNION $415,000 $205,000 -50.6% 0.2%
Pathway Bank $470,000 $195,000 -58.5% 0.2%
First Federal Bank $185,000 n/a 0.2%
BROKER SOLUTIONS, INC. $330,000 $175,000 -47.0% 0.2%
Discover Bank $150,000 $165,000 10.0% 0.2%
Peoples Bank $155,000 n/a 0.1%
NAVY FEDERAL CREDIT UNION $550,000 $150,000 -72.7% 0.1%
The Federal Savings Bank $185,000 $145,000 -21.6% 0.1%
CMG MORTGAGE, INC. $620,000 $135,000 -78.2% 0.1%
Adams Bank & Trust $125,000 n/a 0.1%
BLACK HILLS FEDERAL CREDIT UNION $115,000 n/a 0.1%
Coastal Community Bank $55,000 $110,000 100.0% 0.1%
Mr. Cooper ( Nationstar Mortgage ) $320,000 $105,000 -67.2% 0.1%
Carrington Mortgage Services, LLC $95,000 n/a 0.1%
GUILD MORTGAGE COMPANY $85,000 n/a 0.1%
LOANDEPOT.COM, LLC $85,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $125,000 $75,000 -40.0% 0.1%
AMERISAVE MORTGAGE CORPORATION $85,000 $70,000 -17.6% 0.1%
Bank Iowa $55,000 n/a 0.1%
Bank of America $120,000 $25,000 -79.2% 0.0%
FOUR POINTS $25,000 n/a 0.0%

Hastings's top lender by overall market share is Pinnacle Bank, with 34.5% market share. In second place, with 10.6%, is Gateway First Bank, having originated $11,570,000 in loans. In third place, with 7.9%, is CHARTER WEST BANK, having originated $8,620,000 in loans. In fourth place, with 4.8%, is QUICKEN LOANS, LLC, having originated $5,275,000 in loans. In fifth place, with 3.5%, is Home Federal Savings & Loan Association of Grand Island, having originated $3,770,000 in loans.

Hastings, NE Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 351 $86,245,000 $245,712
Refi 59 $9,065,000 $153,644
Cash Out Refi 54 $8,660,000 $160,370
Home Improvement 38 $1,820,000 $47,895
Other 31 $2,995,000 $96,613

Hastings's most frequently cited loan purpose was Home Purchase, with 351 originations. The 2nd most popular reason was Refi, with 59 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 207 $58,615,000 $283,164
7-8% 104 $22,180,000 $213,269
5-6% 69 $13,365,000 $193,696
Over 8% 66 $4,420,000 $66,970
<2.5% 21 $145,000 $6,905
4-5% 1 $345,000 $345,000
3-4% 1 $95,000 $95,000

During 2024, Hastings's most frequently originated rate bucket was 6-7%, with 207 originations.

Loan Sizing (Hastings, NE MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 206 $31,120,000 $151,068
$100,000 or less 157 $7,735,000 $49,268
$200k-400k 147 $38,885,000 $264,524
$400k-600k 17 $7,925,000 $466,176
$600k-1000k 4 $2,840,000 $710,000
$Over $1MM 2 $20,280,000 $10,140,000

Hastings's loan sizing saw the bucket of loans from $100k-200k with 206 originations, totaling $31,120,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 229 $47,725,000 $208,406
60-80% 85 $16,375,000 $192,647
Under 20% 56 $1,640,000 $29,286
40-60% 42 $26,700,000 $635,714
20-40% 39 $3,305,000 $84,744
Over 100% 3 $705,000 $235,000

Hastings's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 229 originations, totaling $47,725,000 in origination value.