Hastings Mortgage Rates

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

    30 Year Fixed Rate mortgages in Hastings averaged 5.7% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

    The average rate for the prior week (2022-06-23) was 5.81% and one month ago for the week of 2022-05-26, the average rate was 5.2%.

    Hastings's average rate one year ago was 2.94%.

    For refis of the same type during the week of 2022-06-30, the average rate was 5.83%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-06-30 5.7%
    Hastings 30 Year Fixed Rate 2022-06-30 5.7%
    Hastings 30 Year Fixed Rate Refi 2022-06-30 5.83%
    Hastings 15 Year Fixed Rate 2022-06-30 5.21%
    Hastings 15 Year Fixed Rate Refi 2022-06-30 5.12%
    Hastings 30 Year FHA 2022-06-30 5.59%
    Hastings 30 Year FHA Refi 2022-06-30 5.73%
    Hastings 30 Year USDA 2022-06-30 5.22%
    Hastings 30 Year VA 2022-06-30 5.27%
    Hastings 30 Year VA Refi 2022-06-30 5.26%
    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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    Pinnacle Bank 59 2.98% $2,143
    West Gate Bank 55 3.08% $2,169
    CHARTER WEST BANK 53 3.03% $2,293
    QUICKEN LOANS, LLC 31 3.16% $4,397
    U.S. Bank 16 3.05% $2,478
    Wells Fargo Bank 11 3.20% $3,158
    MORIA DEVELOPMENT, INC. 7 3.86% $3,752
    First National Bank of Omaha 6 3.06% $4,048
    Union Bank and Trust Company 5 3.33% $2,746
    Home Federal Savings & Loan Association of Grand Island 5 3.30% $2,133
    Great Western Bank 5 2.98% $2,383
    LOANDEPOT.COM, LLC 4 3.15% $5,475
    Mr. Cooper ( Nationstar Mortgage ) 4 3.38% $4,511
    AMERISAVE MORTGAGE CORPORATION 3 2.79% $4,691
    Farm Credit Mid-America, ACA 3 3.73% $6,333
    CMG MORTGAGE, INC. 3 3.04% $3,379
    CENTRIS FEDERAL CREDIT UNION 2 3.13% $2,396
    Equitable Bank 2 3.13% $1,224
    HOME POINT FINANCIAL CORPORATION 2 3.31% $2,196
    Lincoln FSB of Nebraska 2 2.94% $1,656
    Adams Bank & Trust 2 3.13% $2,720
    MUTUAL OF OMAHA MORTGAGE, INC. 2 3.69% $4,748
    Bank of America 2 2.94% $2,411
    Capitol Federal Savings Bank 1 3.13% $2,928
    CALIBER HOME LOANS, INC. 1 2.88% $5,191
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.25% $3,183
    CENTENNIAL LENDING, LLC 1 3.25% $4,299
    JPMorgan Chase Bank 1 3.38% $1,009
    LENDERFI, INC. 1 2.99% $1,033
    U.S. HOME MORTGAGE, INC. 1 3.25% $2,930
    VERIDIAN CREDIT UNION 1 2.63% $1,214
    Blue Ridge Bank 1 3.50% $3,530
    Ally Bank 1 3.88% $1,526
    American National Bank 1 2.88% $1,674
    Paramount Residential Mortgage Group, Inc. 1 3.63% $2,772
    Central National Bank 1 3.25% $934
    Plains Commerce Bank 1 2.63% $2,273
    Prosperity Home Mortgage, LLC 1 2.88% $2,604
    Arvest Bank 1 2.88% $1,781
    Security First Bank 1 2.88% $2,164
    Arbor Bank 1 2.50% $2,827
    United Fidelity Funding Corp. 1 2.63% $4,027
    UNITED WHOLESALE MORTGAGE, LLC 1 2.88% $3,997
    First Bank 1 3.25% $2,511
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.38% $2,848
    Five Points Bank 1 3.13% $1,794
    FREEDOM MORTGAGE CORPORATION 1 3.25% $708
    Gateway First Bank 1 3.00% $3,824

    Hastings, NE's 48 lenders originated 890 loans during 2021. The total origination value was $143,080,000, with an average loan value of $160,764.

    The top Hastings lender as defined by loan originations is Pinnacle Bank, with 59 loans originated. Their average total fees are $2,143, which is $25 lower than the next largest lender, West Gate Bank.

    The lowest fee Hastings lenders (with over 10 loans originated) are Pinnacle Bank ($2,143), West Gate Bank ($2,169), CHARTER WEST BANK ($2,293), U.S. Bank ($2,478) and Wells Fargo Bank ($3,158).

    The lowest rate Hastings lenders (with over 10 loans originated) are Pinnacle Bank (2.98%), CHARTER WEST BANK (3.03%), U.S. Bank (3.05%), West Gate Bank (3.08%) and QUICKEN LOANS, LLC (3.16%).

    Hastings, NE Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
    Pinnacle Bank $36,900,000 $27,750,000 -24.8% 19.4%
    CHARTER WEST BANK $22,500,000 $19,790,000 -12.0% 13.8%
    West Gate Bank $14,730,000 $15,125,000 2.7% 10.6%
    QUICKEN LOANS, LLC $11,590,000 $11,255,000 -2.9% 7.9%
    U.S. Bank $6,605,000 $6,745,000 2.1% 4.7%
    FREEDOM MORTGAGE CORPORATION $5,110,000 $6,150,000 20.4% 4.3%
    WALKER & DUNLOP, LLC $5,685,000 n/a 4.0%
    Wells Fargo Bank $5,155,000 $5,005,000 -2.9% 3.5%
    MORIA DEVELOPMENT, INC. $3,680,000 $4,545,000 23.5% 3.2%
    Home Federal Savings & Loan Association of Grand Island $4,000,000 $3,545,000 -11.4% 2.5%
    First National Bank of Omaha $2,965,000 $3,045,000 2.7% 2.1%
    Great Western Bank $2,300,000 $3,000,000 30.4% 2.1%
    Equitable Bank $2,590,000 $2,665,000 2.9% 1.9%
    Mortgage Research Center, LLC $1,885,000 $2,650,000 40.6% 1.9%
    LOANDEPOT.COM, LLC $775,000 $1,545,000 99.4% 1.1%
    Union Bank and Trust Company $735,000 $1,485,000 102.0% 1.0%
    Gateway First Bank $780,000 $1,060,000 35.9% 0.7%
    AMERISAVE MORTGAGE CORPORATION $1,170,000 $960,000 -17.9% 0.7%
    PENNYMAC LOAN SERVICES, LLC $230,000 $925,000 302.2% 0.6%
    CMG MORTGAGE, INC. $445,000 $905,000 103.4% 0.6%
    Farm Credit Mid-America, ACA $380,000 $865,000 127.6% 0.6%
    Lincoln FSB of Nebraska $240,000 $850,000 254.2% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $935,000 $825,000 -11.8% 0.6%
    Five Points Bank $1,865,000 $790,000 -57.6% 0.6%
    Adams Bank & Trust $745,000 n/a 0.5%
    Capitol Federal Savings Bank $675,000 $685,000 1.5% 0.5%
    Bank of America $670,000 n/a 0.5%
    Security First Bank $15,000 $635,000 4,133.3% 0.4%
    USAA Federal Savings Bank $685,000 $620,000 -9.5% 0.4%
    First Bank $615,000 n/a 0.4%
    Arbor Bank $680,000 $495,000 -27.2% 0.3%
    HOME POINT FINANCIAL CORPORATION $210,000 $475,000 126.2% 0.3%
    CENTRIS FEDERAL CREDIT UNION $445,000 $470,000 5.6% 0.3%
    Central National Bank $630,000 $455,000 -27.8% 0.3%
    NEWREZ LLC $310,000 $435,000 40.3% 0.3%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $430,000 n/a 0.3%
    Plains Commerce Bank $190,000 $430,000 126.3% 0.3%
    UNITED WHOLESALE MORTGAGE, LLC $570,000 $425,000 -25.4% 0.3%
    SOFI LENDING CORP. $365,000 n/a 0.3%
    VILLAGE CAPITAL & INVESTMENT LLC $210,000 $350,000 66.7% 0.2%
    North American Savings Bank, F.S.B. $215,000 $345,000 60.5% 0.2%
    BNC National Bank $405,000 $325,000 -19.8% 0.2%
    The Federal Savings Bank $315,000 n/a 0.2%
    FOUR POINTS $185,000 $310,000 67.6% 0.2%
    JPMorgan Chase Bank $105,000 $290,000 176.2% 0.2%
    Barrington Bank & Trust Company, N.A. $275,000 n/a 0.2%
    BROKER SOLUTIONS, INC. $265,000 n/a 0.2%
    United Fidelity Funding Corp. $265,000 n/a 0.2%
    Bank of the West $250,000 n/a 0.2%
    CENTENNIAL LENDING, LLC $355,000 $250,000 -29.6% 0.2%
    Paramount Residential Mortgage Group, Inc. $470,000 $250,000 -46.8% 0.2%
    American National Bank $125,000 $245,000 96.0% 0.2%
    CORNHUSKER BANK $225,000 $235,000 4.4% 0.2%
    CALIBER HOME LOANS, INC. $165,000 $215,000 30.3% 0.2%
    Goldwater Bank, N.A. $215,000 n/a 0.2%
    LENDERFI, INC. $215,000 n/a 0.2%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $205,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $260,000 $200,000 -23.1% 0.1%
    CLEARPATH LENDING $1,020,000 $195,000 -80.9% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $195,000 n/a 0.1%
    VERIDIAN CREDIT UNION $320,000 $195,000 -39.1% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $185,000 n/a 0.1%
    FINANCE OF AMERICA MORTGAGE LLC $175,000 n/a 0.1%
    GUILD MORTGAGE COMPANY $175,000 n/a 0.1%
    Blue Ridge Bank $165,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $550,000 $165,000 -70.0% 0.1%
    Paramount Bank $155,000 n/a 0.1%
    Prosperity Home Mortgage, LLC $450,000 $155,000 -65.6% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $135,000 n/a 0.1%
    Arvest Bank $115,000 n/a 0.1%
    Bank Iowa $165,000 $115,000 -30.3% 0.1%
    Regent Financial Group, Inc. $115,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $45,000 $105,000 133.3% 0.1%
    First State Bank $460,000 $105,000 -77.2% 0.1%
    Ally Bank $185,000 $95,000 -48.6% 0.1%
    OCEANSIDE MORTGAGE COMPANY $190,000 $85,000 -55.3% 0.1%
    Cornerstone Bank $445,000 $75,000 -83.1% 0.1%
    NBH Bank $75,000 n/a 0.1%
    UNION HOME MORTGAGE CORP. $65,000 n/a 0.0%
    U.S. HOME MORTGAGE, INC. $115,000 $65,000 -43.5% 0.0%
    AMERICAN ADVISORS GROUP $100,000 $35,000 -65.0% 0.0%

    Hastings's top lender by overall market share is Pinnacle Bank, with 19.4% market share. In second place, with 13.8%, is CHARTER WEST BANK, having originated $19,790,000 in loans. In third place, with 10.6%, is West Gate Bank, having originated $15,125,000 in loans. In third place, with 7.9%, is QUICKEN LOANS, LLC, having originated $11,255,000 in loans. In third place, with 4.7%, is U.S. Bank, having originated $6,745,000 in loans.

    Hastings, NE Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 417 $67,825,000 $162,650
    Refi 279 $48,625,000 $174,283
    Cash Out Refi 168 $25,430,000 $151,369
    Home Improvement 16 $500,000 $31,250
    Other 10 $700,000 $70,000

    Hastings's most frequently cited loan purpose was Home Purchase, with 417 originations. The 2nd most popular reason was Refi, with 279 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    2.5-3% 352 $62,290,000 $176,960
    3-4% 300 $43,140,000 $143,800
    <2.5% 173 $31,085,000 $179,682
    4-5% 41 $5,275,000 $128,659
    5-6% 19 $735,000 $38,684
    6-7% 1 $45,000 $45,000

    During 2021, Hastings's most frequently originated rate bucket was 2.5-3%, with 352 originations.

    Loan Sizing (Hastings, NE MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 440 $63,190,000 $143,614
    $100,000 or less 236 $16,290,000 $69,025
    $200k-400k 197 $50,495,000 $256,320
    $400k-600k 15 $6,735,000 $449,000
    $600k-1000k 1 $685,000 $685,000
    $Over $1MM 1 $5,685,000 $5,685,000

    Hastings's loan sizing saw the bucket of loans from $100k-200k with 440 originations, totaling $63,190,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 371 $62,515,000 $168,504
    60-80% 265 $43,115,000 $162,698
    40-60% 109 $15,445,000 $141,697
    20-40% 57 $5,945,000 $104,298
    Under 20% 30 $910,000 $30,333
    Over 100% 8 $1,520,000 $190,000

    Hastings's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 371 originations, totaling $62,515,000 in origination value.

    Market Conditions (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 $229,000 (65.1%) $249,496 (42.4%) 0.00 62
    2018-02-01 $214,900 (25.0%) $261,281 (39.6%) 0.00 62
    2018-03-01 $219,900 (11.5%) $268,608 (37.2%) 0.00 67
    2018-04-01 $239,500 (16.8%) $272,111 (41.1%) 0.00 60
    2018-05-01 $216,750 (59.1%) $258,975 (46.2%) 0.00 73
    2018-06-01 $209,900 (55.5%) $258,884 (52.9%) 0.00 70
    2018-07-01 $184,750 (12.7%) $239,418 (22.7%) 0.00 60
    2018-08-01 $185,950 (13.0%) $222,171 (7.9%) 0.00 63
    2018-09-01 $179,500 (-9.1%) $221,426 (3.1%) 0.00 67
    2018-10-01 $174,500 (-5.7%) $218,906 (-4.1%) 0.00 76
    2018-11-01 $170,500 (-10.2%) $221,845 (-7.2%) 0.00 62
    2018-12-01 $172,500 (-25.0%) $211,004 (-17.1%) 0.00 71
    2019-01-01 $178,250 (-22.2%) $218,414 (-12.5%) 0.00 73
    2019-02-01 $179,900 (-16.3%) $226,640 (-13.3%) 0.00 66
    2019-03-01 $199,229 (-9.4%) $235,138 (-12.5%) 0.00 60
    2019-04-01 $225,000 (-6.1%) $242,972 (-10.7%) 0.00 58
    2019-05-01 $244,000 (12.6%) $271,905 (5.0%) 0.00 54
    2019-06-01 $235,000 (12.0%) $251,076 (-3.0%) 0.00 61
    2019-07-01 $199,700 (8.1%) $234,230 (-2.2%) 0.00 82
    2019-08-01 $194,786 (4.8%) $236,350 (6.4%) 0.00 78
    2019-09-01 $188,500 (5.0%) $235,337 (6.3%) 0.00 74
    2019-10-01 $183,000 (4.9%) $226,296 (3.4%) 0.00 136
    2019-11-01 $179,000 (5.0%) $222,116 (0.1%) 0.00 82
    2019-12-01 $162,450 (-5.8%) $214,996 (1.9%) 0.00 76
    2020-01-01 $182,250 (2.2%) $225,312 (3.2%) 0.00 56
    2020-02-01 $229,000 (27.3%) $247,089 (9.0%) 0.00 58
    2020-03-01 $223,500 (12.2%) $235,970 (0.4%) 0.00 62
    2020-04-01 $229,900 (2.2%) $242,936 (0.0%) 0.00 54
    2020-05-01 $229,900 (-5.8%) $265,491 (-2.4%) 0.00 53
    2020-06-01 $256,750 (9.3%) $265,857 (5.9%) 0.00 50
    2020-07-01 $191,250 (-4.2%) $239,586 (2.3%) 0.00 55
    2020-08-01 $195,000 (0.1%) $243,318 (3.0%) 0.00 44
    2020-09-01 $173,750 (-7.8%) $219,008 (-6.9%) 0.00 45
    2020-10-01 $177,500 (-3.0%) $201,849 (-10.8%) 0.00 44
    2020-11-01 $167,400 (-6.5%) $195,299 (-12.1%) 0.00 41
    2020-12-01 $159,950 (-1.5%) $185,533 (-13.7%) 0.00 39
    2021-01-01 $155,000 (-15.0%) $175,713 (-22.0%) 0.00 44
    2021-02-01 $159,925 (-30.2%) $182,680 (-26.1%) 0.00 31
    2021-03-01 $163,750 (-26.7%) $223,985 (-5.1%) 0.00 27
    2021-04-01 $240,000 (4.4%) $271,191 (11.6%) 0.00 23
    2021-05-01 $225,000 (-2.1%) $291,459 (9.8%) 0.00 25
    2021-06-01 $212,250 (-17.3%) $271,220 (2.0%) 0.00 32
    2021-07-01 $161,250 (-15.7%) $195,745 (-18.3%) 0.00 33
    2021-08-01 $149,450 (-23.4%) $181,652 (-25.3%) 0.00 30
    2021-09-01 $144,450 (-16.9%) $195,033 (-11.0%) 0.00 34
    2021-10-01 $169,000 (-4.8%) $245,311 (21.5%) 0.00 35
    2021-11-01 $182,000 (8.7%) $300,209 (53.7%) 0.00 37
    2021-12-01 $189,000 (18.2%) $268,614 (44.8%) 0.00 35
    2022-01-01 $155,000 (0.0%) $256,787 (46.1%) 0.00 26
    2022-02-01 $219,975 (37.6%) $270,811 (48.2%) 0.00 22
    2022-03-01 $204,950 (25.2%) $281,994 (25.9%) 0.00 25
    2022-04-01 $279,000 (16.3%) $309,634 (14.2%) 0.00 28
    2022-05-01 $290,750 (29.2%) $319,777 (9.7%) 0.00 36
    2022-06-01 $329,950 (55.5%) $351,222 (29.5%) 0.00 30
    Hastings's median listing price for 2022-06-01 was $329,950, a difference of $117,700 (55.5%) versus the prior year and $39,200 versus the prior month.

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

    Hastings's average listing price for 2022-06-01 was $351,222, a difference of $80,002 (29.5%) versus the prior year and $31,445 versus the prior month.

    For the 2022-06-01 period, Hastings had 30 MLS listings, a difference of -6 listings (-17%) versus the prior month and -2 listings (-6%) 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 1,720 sqft
    2018-02-01 0 days 1,725 sqft
    2018-03-01 0 days 1,720 sqft
    2018-04-01 0 days 1,598 sqft
    2018-05-01 0 days 1,516 sqft
    2018-06-01 0 days 1,516 sqft
    2018-07-01 0 days 1,532 sqft
    2018-08-01 0 days 1,577 sqft
    2018-09-01 0 days 1,646 sqft
    2018-10-01 0 days 1,623 sqft
    2018-11-01 0 days 1,641 sqft
    2018-12-01 0 days 1,560 sqft
    2019-01-01 0 days 1,628 sqft
    2019-02-01 0 days 1,592 sqft
    2019-03-01 0 days 1,548 sqft
    2019-04-01 0 days 1,548 sqft
    2019-05-01 0 days 1,787 sqft
    2019-06-01 0 days 1,710 sqft
    2019-07-01 0 days 1,535 sqft
    2019-08-01 0 days 1,569 sqft
    2019-09-01 0 days 1,617 sqft
    2019-10-01 0 days 1,662 sqft
    2019-11-01 0 days 2,262 sqft
    2019-12-01 0 days 2,050 sqft
    2020-01-01 0 days 2,292 sqft
    2020-02-01 0 days 2,322 sqft
    2020-03-01 0 days 2,233 sqft
    2020-04-01 0 days 2,402 sqft
    2020-05-01 0 days 2,180 sqft
    2020-06-01 0 days 2,315 sqft
    2020-07-01 0 days 2,284 sqft
    2020-08-01 0 days 2,364 sqft
    2020-09-01 0 days 2,250 sqft
    2020-10-01 0 days 2,080 sqft
    2020-11-01 0 days 2,093 sqft
    2020-12-01 0 days 2,066 sqft
    2021-01-01 0 days 2,065 sqft
    2021-02-01 0 days 2,083 sqft
    2021-03-01 0 days 2,292 sqft
    2021-04-01 0 days 2,527 sqft
    2021-05-01 0 days 2,424 sqft
    2021-06-01 0 days 2,132 sqft
    2021-07-01 0 days 1,960 sqft
    2021-08-01 0 days 1,817 sqft
    2021-09-01 0 days 1,814 sqft
    2021-10-01 0 days 1,976 sqft
    2021-11-01 0 days 2,108 sqft
    2021-12-01 0 days 1,968 sqft
    2022-01-01 0 days 1,920 sqft
    2022-02-01 0 days 2,042 sqft
    2022-03-01 0 days 2,059 sqft
    2022-04-01 0 days 2,694 sqft
    2022-05-01 0 days 2,667 sqft
    2022-06-01 0 days 2,784 sqft
    Hastings's median listing age (time on market) for 2022-06-01 was 0 days.

    Hastings's median square footage for active listings during the 2022-06-01 period was 2,784 sqft. One year prior, the average listing was 2,132 sqft.