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 6.88% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

The average rate for the prior week (2024-11-07) was 6.79% and one month ago for the week of 2024-10-10, the average rate was 6.22%.

Hastings's average rate one year ago was 7.3%.

For refis of the same type during the week of 2024-11-14, the average rate was 7.38%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-11-14 6.78%
Hastings 30 Year Fixed Rate 2024-11-14 6.88%
Hastings 30 Year Fixed Rate Refi 2024-11-14 7.38%
Hastings 15 Year Fixed Rate 2024-11-14 5.79%
Hastings 15 Year Fixed Rate Refi 2024-11-14 6.59%
Hastings 30 Year FHA 2024-11-14 0.06%
Hastings 30 Year FHA Refi 2024-11-14 0.3%
Hastings 30 Year USDA 2024-11-14 -0.1%
Hastings 30 Year USDA Refi 2024-11-14 0.1%
Hastings 30 Year VA 2024-11-14 0.1%
Hastings 30 Year VA Refi 2024-11-14 -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 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
2024-05-01 $276,750 (3.6%) $415,889 (34.0%) 0.00 38
2024-06-01 $275,000 (4.8%) $395,104 (27.3%) 0.00 54
2024-07-01 $273,750 (-2.2%) $406,466 (23.7%) 0.00 53
2024-08-01 $289,500 (8.8%) $329,103 (9.3%) 0.00 59
2024-09-01 $275,475 (8.0%) $329,916 (13.1%) 0.00 53
2024-10-01 $269,900 (12.0%) $317,264 (9.5%) 0.00 57
Hastings's median listing price for 2024-10-01 was $269,900, a difference of $28,900 (12.0%) versus the prior year and $-5,575 versus the prior month.

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

Hastings's average listing price for 2024-10-01 was $317,264, a difference of $27,643 (9.5%) versus the prior year and $-12,652 versus the prior month.

For the 2024-10-01 period, Hastings had 57 MLS listings, a difference of 4 listings (8%) versus the prior month and 15 listings (36%) 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
2024-05-01 0 days 2,629 sqft
2024-06-01 0 days 2,663 sqft
2024-07-01 0 days 2,695 sqft
2024-08-01 0 days 2,659 sqft
2024-09-01 0 days 2,740 sqft
2024-10-01 0 days 2,886 sqft
Hastings's median listing age (time on market) for 2024-10-01 was 0 days.

Hastings's median square footage for active listings during the 2024-10-01 period was 2,886 sqft. One year prior, the average listing was 2,390 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.