Hastings 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 Hastings averaged 7.02% for the week of 2024-05-02, compared to the national average of 7.22% for the same period.

    The average rate for the prior week (2024-04-25) was 7.37% and one month ago for the week of 2024-03-28, the average rate was 6.89%.

    Hastings's average rate one year ago was 6.33%.

    For refis of the same type during the week of 2024-05-02, the average rate was 7.42%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-05-02 7.22%
    Hastings 30 Year Fixed Rate 2024-05-02 7.02%
    Hastings 30 Year Fixed Rate Refi 2024-05-02 7.42%
    Hastings 15 Year Fixed Rate 2024-05-02 6.27%
    Hastings 15 Year Fixed Rate Refi 2024-05-02 7.07%
    Hastings 30 Year FHA 2024-05-02 6.95%
    Hastings 30 Year FHA Refi 2024-05-02 6.79%
    Hastings 30 Year USDA 2024-05-02 6.89%
    Hastings 30 Year USDA Refi 2024-05-02 6.89%
    Hastings 30 Year VA 2024-05-02 6.98%
    Hastings 30 Year VA Refi 2024-05-02 6.78%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CHARTER WEST BANK 39 6.80% $3,169
    Gateway First Bank 28 6.64% $2,776
    Pinnacle Bank 17 6.75% $2,823
    U.S. Bank 14 6.80% $2,701
    West Gate Bank 13 6.92% $2,753
    Wells Fargo Bank 10 7.04% $3,715
    QUICKEN LOANS, LLC 7 6.91% $5,973
    Home Federal Savings & Loan Association of Grand Island 5 6.70% $3,285
    First National Bank of Omaha 3 6.75% $2,527
    First Interstate Bank 3 7.33% $2,575
    Deere Employees Credit Union 3 7.00% $2,663
    DELMAR FINANCIAL COMPANY 2 7.00% $2,832
    MORIA DEVELOPMENT, INC. 2 6.50% $3,791
    UNITED WHOLESALE MORTGAGE, LLC 2 7.69% $6,784
    CMG MORTGAGE, INC. 2 6.56% $3,329
    Servion, Inc. 1 6.38% $3,170
    THRIVE MORTGAGE, LLC 1 5.88% $5,485
    USAA Federal Savings Bank 1 5.88% $5,875
    VERIDIAN CREDIT UNION 1 6.25% $1,706
    LIBERTY FIRST 1 9.13% $3,534
    BROKER SOLUTIONS, INC. 1 6.88% $6,228
    CENTRIS FEDERAL CREDIT UNION 1 7.13% $1,794
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.88% $3,683
    Farm Credit Mid-America, ACA 1 7.13% $8,440
    Five Points Bank 1 6.50% $3,984
    GERSHMAN INVESTMENT CORP. 1 7.25% $4,324
    GREENSTATE CREDIT UNION 1 6.00% $2,144
    JPMorgan Chase Bank 1 6.13% $6,678
    AMERISAVE MORTGAGE CORPORATION 1 7.25% $5,183
    Lincoln FSB of Nebraska 1 6.13% $1,369
    Mortgage Research Center, LLC 1 7.50% $835
    MOVEMENT MORTGAGE, LLC 1 5.56% $5,729
    NAVY FEDERAL CREDIT UNION 1 7.38% $1,755
    NETWORK CAPITAL FUNDING CORPORATION 1 6.88% $5,255

    Hastings Average Closing Costs & Other Stats

    Hastings, NE's 34 lenders originated 505 loans during 2023. The total origination value was $78,295,000, with an average loan value of $155,040.

    Hastings's average closing costs are $3,795.

    The top Hastings lender as defined by loan originations is CHARTER WEST BANK, with 39 loans originated. Their average total fees are $3,169, which is $393 higher than the next largest lender, Gateway First Bank.

    The lowest fee Hastings lenders (with over 10 loans originated) are U.S. Bank ($2,701), West Gate Bank ($2,753), Gateway First Bank ($2,776), Pinnacle Bank ($2,823) and CHARTER WEST BANK ($3,169).

    The lowest rate Hastings lenders (with over 10 loans originated) are Gateway First Bank (6.64%), Pinnacle Bank (6.75%), CHARTER WEST BANK (6.80%), U.S. Bank (6.80%) and West Gate Bank (6.92%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Pinnacle Bank $22,910,000 $13,955,000 -39.1% 17.8%
    CHARTER WEST BANK $11,980,000 $10,075,000 -15.9% 12.9%
    Gateway First Bank $6,440,000 $8,605,000 33.6% 11.0%
    WALKER & DUNLOP, LLC $5,565,000 $4,945,000 -11.1% 6.3%
    QUICKEN LOANS, LLC $5,905,000 $4,840,000 -18.0% 6.2%
    U.S. Bank $3,735,000 $4,355,000 16.6% 5.6%
    West Gate Bank $5,840,000 $3,245,000 -44.4% 4.1%
    Home Federal Savings & Loan Association of Grand Island $3,150,000 $2,605,000 -17.3% 3.3%
    MORIA DEVELOPMENT, INC. $3,700,000 $2,165,000 -41.5% 2.8%
    Wells Fargo Bank $6,325,000 $2,095,000 -66.9% 2.7%
    First National Bank of Omaha $2,835,000 $1,575,000 -44.4% 2.0%
    Mortgage Research Center, LLC $2,000,000 $1,255,000 -37.3% 1.6%
    Heritage Bank $1,250,000 n/a 1.6%
    Equitable Bank $1,550,000 $975,000 -37.1% 1.2%
    First Interstate Bank $995,000 $915,000 -8.0% 1.2%
    CMG MORTGAGE, INC. $1,150,000 $620,000 -46.1% 0.8%
    FREEDOM MORTGAGE CORPORATION $665,000 $615,000 -7.5% 0.8%
    Deere Employees Credit Union $585,000 n/a 0.7%
    NBKC BANK $580,000 n/a 0.7%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $760,000 $570,000 -25.0% 0.7%
    NAVY FEDERAL CREDIT UNION $730,000 $550,000 -24.7% 0.7%
    Farm Credit Mid-America, ACA $380,000 $525,000 38.2% 0.7%
    JPMorgan Chase Bank $720,000 $520,000 -27.8% 0.7%
    Pathway Bank $470,000 n/a 0.6%
    CENTRIS FEDERAL CREDIT UNION $225,000 $415,000 84.4% 0.5%
    Five Points Bank $1,085,000 $395,000 -63.6% 0.5%
    GREENSTATE CREDIT UNION $370,000 n/a 0.5%
    UNITED WHOLESALE MORTGAGE, LLC $360,000 n/a 0.5%
    DELMAR FINANCIAL COMPANY $340,000 n/a 0.4%
    BROKER SOLUTIONS, INC. $290,000 $330,000 13.8% 0.4%
    21ST MORTGAGE CORPORATION $320,000 n/a 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $1,090,000 $320,000 -70.6% 0.4%
    Barrington Bank & Trust Company, N.A. $215,000 $300,000 39.5% 0.4%
    LIBERTY FIRST $415,000 $300,000 -27.7% 0.4%
    Cornerstone Bank $275,000 n/a 0.4%
    PENNYMAC LOAN SERVICES, LLC $755,000 $260,000 -65.6% 0.3%
    GERSHMAN INVESTMENT CORP. $255,000 n/a 0.3%
    USAA Federal Savings Bank $235,000 n/a 0.3%
    AMERICAN FINANCING CORPORATION $530,000 $215,000 -59.4% 0.3%
    VERIDIAN CREDIT UNION $195,000 $205,000 5.1% 0.3%
    The Federal Savings Bank $155,000 $185,000 19.4% 0.2%
    THRIVE MORTGAGE, LLC $185,000 n/a 0.2%
    Discover Bank $250,000 $150,000 -40.0% 0.2%
    CASTLE & COOKE MORTGAGE, LLC $135,000 n/a 0.2%
    Servion, Inc. $135,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $135,000 n/a 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $330,000 $125,000 -62.1% 0.2%
    Bank of America $160,000 $120,000 -25.0% 0.2%
    AMERICAN HERITAGE LENDING, INC. $115,000 n/a 0.1%
    NEWREZ LLC $260,000 $115,000 -55.8% 0.1%
    NETWORK CAPITAL FUNDING CORPORATION $105,000 n/a 0.1%
    BMO Harris Bank $95,000 n/a 0.1%
    CALIBER HOME LOANS, INC. $210,000 $95,000 -54.8% 0.1%
    AMERISAVE MORTGAGE CORPORATION $600,000 $85,000 -85.8% 0.1%
    BankFirst $85,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $85,000 n/a 0.1%
    Lincoln FSB of Nebraska $220,000 $75,000 -65.9% 0.1%
    ARCHER COOPERATIVE CREDIT UNION $65,000 n/a 0.1%
    Union Bank and Trust Company $190,000 $65,000 -65.8% 0.1%
    Figure Lending LLC $335,000 $60,000 -82.1% 0.1%
    Coastal Community Bank $55,000 n/a 0.1%

    Hastings's top lender by overall market share is Pinnacle Bank, with 17.8% market share. In second place, with 12.9%, is CHARTER WEST BANK, having originated $10,075,000 in loans. In third place, with 11.0%, is Gateway First Bank, having originated $8,605,000 in loans. In fourth place, with 6.3%, is WALKER & DUNLOP, LLC, having originated $4,945,000 in loans. In fifth place, with 6.2%, is QUICKEN LOANS, LLC, having originated $4,840,000 in loans.

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

    Realtor.com - Hastings (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 $175,350 (44.9%) $222,440 (32.7%) 0.00 50
    2018-02-01 $182,238 (25.7%) $237,375 (34.1%) 0.00 49
    2018-03-01 $165,750 (2.9%) $242,231 (31.8%) 0.00 47
    2018-04-01 $208,233 (51.4%) $238,996 (37.0%) 0.00 43
    2018-05-01 $203,233 (69.4%) $234,533 (47.4%) 0.00 50
    2018-06-01 $194,975 (57.6%) $245,672 (58.6%) 0.00 49
    2018-07-01 $181,875 (30.0%) $239,325 (42.5%) 0.00 58
    2018-08-01 $179,175 (30.3%) $222,311 (30.1%) 0.00 60
    2018-09-01 $175,950 (11.5%) $220,239 (20.7%) 0.00 64
    2018-10-01 $174,500 (13.7%) $220,763 (10.8%) 0.00 71
    2018-11-01 $174,000 (10.7%) $225,557 (7.1%) 0.00 60
    2018-12-01 $172,500 (-9.2%) $213,078 (-6.2%) 0.00 67
    2019-01-01 $177,950 (1.5%) $219,639 (-1.3%) 0.00 68
    2019-02-01 $178,400 (-2.1%) $226,912 (-4.4%) 0.00 65
    2019-03-01 $195,443 (17.9%) $235,471 (-2.8%) 0.00 59
    2019-04-01 $220,975 (6.1%) $242,815 (1.6%) 0.00 58
    2019-05-01 $243,725 (19.9%) $271,661 (15.8%) 0.00 55
    2019-06-01 $230,000 (18.0%) $248,202 (1.0%) 0.00 62
    2019-07-01 $198,375 (9.1%) $234,195 (-2.1%) 0.00 82
    2019-08-01 $193,364 (7.9%) $232,303 (4.5%) 0.00 81
    2019-09-01 $187,534 (6.6%) $229,547 (4.2%) 0.00 81
    2019-10-01 $183,648 (5.2%) $227,709 (3.2%) 0.00 81
    2019-11-01 $174,900 (0.5%) $222,528 (-1.3%) 0.00 79
    2019-12-01 $159,900 (-7.3%) $215,340 (1.1%) 0.00 74
    2020-01-01 $174,500 (-1.9%) $223,547 (1.8%) 0.00 55
    2020-02-01 $218,975 (22.7%) $245,541 (8.2%) 0.00 56
    2020-03-01 $216,713 (10.9%) $233,345 (-0.9%) 0.00 60
    2020-04-01 $226,850 (2.7%) $242,180 (-0.3%) 0.00 55
    2020-05-01 $228,000 (-6.5%) $258,588 (-4.8%) 0.00 51
    2020-06-01 $253,250 (10.1%) $265,357 (6.9%) 0.00 50
    2020-07-01 $186,475 (-6.0%) $239,586 (2.3%) 0.00 55
    2020-08-01 $186,000 (-3.8%) $243,836 (5.0%) 0.00 43
    2020-09-01 $176,200 (-6.0%) $222,248 (-3.2%) 0.00 44
    2020-10-01 $179,000 (-2.5%) $205,884 (-9.6%) 0.00 43
    2020-11-01 $164,900 (-5.7%) $195,916 (-12.0%) 0.00 40
    2020-12-01 $159,950 (0.0%) $187,082 (-13.1%) 0.00 39
    2021-01-01 $155,000 (-11.2%) $178,208 (-20.3%) 0.00 42
    2021-02-01 $159,925 (-27.0%) $186,158 (-24.2%) 0.00 31
    2021-03-01 $146,738 (-32.3%) $197,677 (-15.3%) 0.00 26
    2021-04-01 $232,500 (2.5%) $233,944 (-3.4%) 0.00 21
    2021-05-01 $199,950 (-12.3%) $252,203 (-2.5%) 0.00 25
    2021-06-01 $192,300 (-24.1%) $254,769 (-4.0%) 0.00 32
    2021-07-01 $159,750 (-14.3%) $189,510 (-20.9%) 0.00 33
    2021-08-01 $149,225 (-19.8%) $187,282 (-23.2%) 0.00 31
    2021-09-01 $143,975 (-18.3%) $195,033 (-12.3%) 0.00 36
    2021-10-01 $155,000 (-13.4%) $236,797 (15.0%) 0.00 36
    2021-11-01 $174,750 (6.0%) $295,640 (50.9%) 0.00 36
    2021-12-01 $161,500 (1.0%) $262,427 (40.3%) 0.00 32
    2022-01-01 $147,500 (-4.8%) $264,709 (48.5%) 0.00 25
    2022-02-01 $196,250 (22.7%) $278,174 (49.4%) 0.00 21
    2022-03-01 $186,850 (27.3%) $280,313 (41.8%) 0.00 21
    2022-04-01 $277,000 (19.1%) $315,025 (34.7%) 0.00 26
    2022-05-01 $294,500 (47.3%) $329,711 (30.7%) 0.00 33
    2022-06-01 $334,900 (74.2%) $355,240 (39.4%) 0.00 31
    2022-07-01 $317,425 (98.7%) $344,314 (81.7%) 0.00 32
    2022-08-01 $295,738 (98.2%) $309,642 (65.3%) 0.00 39
    2022-09-01 $279,000 (93.8%) $287,747 (47.5%) 0.00 39
    2022-10-01 $284,900 (83.8%) $312,994 (32.2%) 0.00 35
    2022-11-01 $272,250 (55.8%) $289,836 (-2.0%) 0.00 40
    2022-12-01 $250,000 (54.8%) $283,953 (8.2%) 0.00 44
    2023-01-01 $249,000 (68.8%) $286,612 (8.3%) 0.00 40
    2023-02-01 $265,000 (35.0%) $292,450 (5.1%) 0.00 32
    2023-03-01 $235,700 (26.1%) $274,971 (-1.9%) 0.00 34
    2023-04-01 $265,000 (-4.3%) $307,525 (-2.4%) 0.00 31
    2023-05-01 $267,250 (-9.3%) $310,373 (-5.9%) 0.00 24
    2023-06-01 $262,375 (-21.7%) $310,493 (-12.6%) 0.00 26
    2023-07-01 $279,900 (-11.8%) $328,527 (-4.6%) 0.00 28
    2023-08-01 $265,975 (-10.1%) $301,163 (-2.7%) 0.00 39
    2023-09-01 $255,000 (-8.6%) $291,628 (1.4%) 0.00 42
    2023-10-01 $241,000 (-15.4%) $289,621 (-7.5%) 0.00 42
    2023-11-01 $238,625 (-12.4%) $333,323 (15.0%) 0.00 47
    2023-12-01 $225,000 (-10.0%) $318,451 (12.2%) 0.00 52
    2024-01-01 $246,250 (-1.1%) $347,051 (21.1%) 0.00 40
    2024-02-01 $271,225 (2.4%) $377,859 (29.2%) 0.00 32
    2024-03-01 $277,000 (17.5%) $402,147 (46.3%) 0.00 31
    2024-04-01 $258,375 (-2.5%) $383,815 (24.8%) 0.00 35
    Hastings's median listing price for 2024-04-01 was $258,375, a difference of $-6,625 (-2.5%) versus the prior year and $-18,625 versus the prior month.

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

    Hastings's average listing price for 2024-04-01 was $383,815, a difference of $76,290 (24.8%) versus the prior year and $-18,332 versus the prior month.

    For the 2024-04-01 period, Hastings had 35 MLS listings, a difference of 4 listings (13%) versus the prior month and 4 listings (13%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hastings (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,565 sqft
    2018-02-01 0 days 1,589 sqft
    2018-03-01 0 days 1,559 sqft
    2018-04-01 0 days 1,517 sqft
    2018-05-01 0 days 1,529 sqft
    2018-06-01 0 days 1,582 sqft
    2018-07-01 0 days 1,532 sqft
    2018-08-01 0 days 1,568 sqft
    2018-09-01 0 days 1,639 sqft
    2018-10-01 0 days 1,628 sqft
    2018-11-01 0 days 1,649 sqft
    2018-12-01 0 days 1,551 sqft
    2019-01-01 0 days 1,607 sqft
    2019-02-01 0 days 1,569 sqft
    2019-03-01 0 days 1,528 sqft
    2019-04-01 0 days 1,526 sqft
    2019-05-01 0 days 1,778 sqft
    2019-06-01 0 days 1,688 sqft
    2019-07-01 0 days 1,535 sqft
    2019-08-01 0 days 1,588 sqft
    2019-09-01 0 days 1,675 sqft
    2019-10-01 0 days 1,825 sqft
    2019-11-01 0 days 2,225 sqft
    2019-12-01 0 days 1,972 sqft
    2020-01-01 0 days 2,219 sqft
    2020-02-01 0 days 2,322 sqft
    2020-03-01 0 days 2,244 sqft
    2020-04-01 0 days 2,355 sqft
    2020-05-01 0 days 2,180 sqft
    2020-06-01 0 days 2,300 sqft
    2020-07-01 0 days 2,288 sqft
    2020-08-01 0 days 2,364 sqft
    2020-09-01 0 days 2,186 sqft
    2020-10-01 0 days 2,080 sqft
    2020-11-01 0 days 2,092 sqft
    2020-12-01 0 days 2,038 sqft
    2021-01-01 0 days 1,959 sqft
    2021-02-01 0 days 2,041 sqft
    2021-03-01 0 days 2,244 sqft
    2021-04-01 0 days 2,467 sqft
    2021-05-01 0 days 2,115 sqft
    2021-06-01 0 days 1,996 sqft
    2021-07-01 0 days 1,713 sqft
    2021-08-01 0 days 1,726 sqft
    2021-09-01 0 days 1,742 sqft
    2021-10-01 0 days 2,002 sqft
    2021-11-01 0 days 2,106 sqft
    2021-12-01 0 days 2,005 sqft
    2022-01-01 0 days 1,918 sqft
    2022-02-01 0 days 2,136 sqft
    2022-03-01 0 days 2,248 sqft
    2022-04-01 0 days 2,760 sqft
    2022-05-01 0 days 2,697 sqft
    2022-06-01 0 days 2,784 sqft
    2022-07-01 0 days 2,903 sqft
    2022-08-01 0 days 2,760 sqft
    2022-09-01 0 days 2,374 sqft
    2022-10-01 0 days 2,518 sqft
    2022-11-01 0 days 2,298 sqft
    2022-12-01 0 days 2,130 sqft
    2023-01-01 0 days 2,216 sqft
    2023-02-01 0 days 2,221 sqft
    2023-03-01 0 days 2,189 sqft
    2023-04-01 0 days 2,665 sqft
    2023-05-01 0 days 2,240 sqft
    2023-06-01 0 days 2,048 sqft
    2023-07-01 0 days 2,520 sqft
    2023-08-01 0 days 2,557 sqft
    2023-09-01 0 days 2,455 sqft
    2023-10-01 0 days 2,390 sqft
    2023-11-01 0 days 2,372 sqft
    2023-12-01 0 days 2,254 sqft
    2024-01-01 0 days 2,341 sqft
    2024-02-01 0 days 2,650 sqft
    2024-03-01 0 days 2,666 sqft
    2024-04-01 0 days 2,595 sqft
    Hastings's median listing age (time on market) for 2024-04-01 was 0 days.

    Hastings's median square footage for active listings during the 2024-04-01 period was 2,595 sqft. One year prior, the average listing was 2,665 sqft.

    Hastings, NE Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 338 $56,070,000 $165,888
    Cash Out Refi 55 $7,265,000 $132,091
    Refi 46 $11,100,000 $241,304
    Home Improvement 39 $1,955,000 $50,128
    Other 27 $1,905,000 $70,556

    Hastings's most frequently cited loan purpose was Home Purchase, with 338 originations. The 2nd most popular reason was Cash Out Refi, with 55 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 200 $34,000,000 $170,000
    7-8% 111 $19,325,000 $174,099
    Over 8% 65 $5,325,000 $81,923
    5-6% 44 $12,210,000 $277,500
    <2.5% 20 $150,000 $7,500
    4-5% 4 $860,000 $215,000
    3-4% 3 $65,000 $21,667

    During 2023, Hastings's most frequently originated rate bucket was 6-7%, with 200 originations.

    Loan Sizing (Hastings, NE MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 207 $30,175,000 $145,773
    $100,000 or less 172 $8,570,000 $49,826
    $200k-400k 116 $29,670,000 $255,776
    $400k-600k 7 $3,225,000 $460,714
    $Over $1MM 2 $6,050,000 $3,025,000
    $600k-1000k 1 $605,000 $605,000

    Hastings's loan sizing saw the bucket of loans from $100k-200k with 207 originations, totaling $30,175,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 227 $40,645,000 $179,053
    60-80% 83 $15,705,000 $189,217
    Under 20% 59 $2,005,000 $33,983
    20-40% 42 $3,670,000 $87,381
    40-60% 31 $9,525,000 $307,258
    Over 100% 1 $115,000 $115,000

    Hastings's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 227 originations, totaling $40,645,000 in origination value.