Hastings Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Hastings averaged
6.71%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.81% and
one month ago for the week of 2025-05-29, the
average rate was 6.73%.
Hastings's average rate one year ago was 6.7%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.77%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Hastings 30 Year Fixed Rate | 2025-07-03 | 6.71% |
| Hastings 30 Year Fixed Rate Refi | 2025-07-03 | 6.77% |
| Hastings 15 Year Fixed Rate | 2025-07-03 | 5.8% |
| Hastings 15 Year Fixed Rate Refi | 2025-07-03 | 5.7% |
| Hastings 30 Year FHA | 2025-07-03 | -0.04% |
| Hastings 30 Year FHA Refi | 2025-07-03 | 0.2% |
| Hastings 30 Year USDA | 2025-07-03 | 0.2% |
| Hastings 30 Year USDA Refi | 2025-07-03 | 0.2% |
| Hastings 30 Year VA | 2025-07-03 | 0.2% |
| Hastings 30 Year VA Refi | 2025-07-03 | -0.2% |
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.).
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.