Kearney Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Kearney averaged
6.97%
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
6.9% and
one month ago for the week of 2025-05-15, the
average rate was 6.87%.
Kearney's average rate one year ago was 6.71%.
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% |
| Kearney 30 Year Fixed Rate | 2025-06-18 | 6.97% |
| Kearney 30 Year Fixed Rate Refi | 2025-06-18 | 7.21% |
| Kearney 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Kearney 15 Year Fixed Rate Refi | 2025-06-18 | 5.86% |
| Kearney 30 Year FHA | 2025-06-18 | 0.07% |
| Kearney 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Kearney 30 Year USDA | 2025-06-18 | -0.2% |
| Kearney 30 Year USDA Refi | 2025-06-18 | 0% |
| Kearney 30 Year VA | 2025-06-18 | 0% |
| Kearney 30 Year VA Refi | 2025-06-18 | 0% |
Kearney 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 Kearney, 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.).
Kearney Average Closing Costs & Other Stats
Kearney, NE's 51 lenders originated 867
loans during 2024. The total origination value was $215,795,000, with an average loan value of
$248,899.
Kearney's average closing costs are $3,599.
The top Kearney lender as defined by loan originations is Pinnacle Bank, with
80 loans originated. Their average total fees are
$2,890, which is $144
higher than the next largest lender,
West Gate Bank.
The lowest fee Kearney lenders (with over 10 loans originated) are
U.S. Bank ($2,254), West Gate Bank ($2,746), Pinnacle Bank ($2,890), First National Bank of Omaha ($3,352) and UNITED WHOLESALE MORTGAGE, LLC ($5,618).
The lowest rate Kearney lenders (with over 10 loans originated) are
West Gate Bank (6.52%), First National Bank of Omaha (6.59%), U.S. Bank (6.63%), Pinnacle Bank (6.65%) and QUICKEN LOANS, LLC (6.66%).
Kearney, 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 | $30,945,000 | $44,705,000 | 44.5% | 20.7% |
| Ally Bank | $365,000 | $34,505,000 | 9,353.4% | 16.0% |
| First National Bank of Omaha | $32,690,000 | $23,390,000 | -28.4% | 10.8% |
| West Gate Bank | $11,430,000 | $14,395,000 | 25.9% | 6.7% |
| Five Points Bank | $9,930,000 | $12,030,000 | 21.1% | 5.6% |
| QUICKEN LOANS, LLC | $6,665,000 | $11,285,000 | 69.3% | 5.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,940,000 | $6,300,000 | 27.5% | 2.9% |
| Mortgage Research Center, LLC | $2,755,000 | $5,900,000 | 114.2% | 2.7% |
| FirsTier Bank | $1,165,000 | $4,475,000 | 284.1% | 2.1% |
| CHARTER WEST BANK | $1,555,000 | $3,790,000 | 143.7% | 1.8% |
| Farm Credit Mid-America, ACA | $2,600,000 | $3,265,000 | 25.6% | 1.5% |
| U.S. Bank | $2,740,000 | $2,825,000 | 3.1% | 1.3% |
| Plains Commerce Bank | $665,000 | $1,995,000 | 200.0% | 0.9% |
| Pathway Bank | $200,000 | $1,560,000 | 680.0% | 0.7% |
| Wells Fargo Bank | $980,000 | $1,545,000 | 57.7% | 0.7% |
| BMO Harris Bank | $455,000 | $1,480,000 | 225.3% | 0.7% |
| NEWREZ LLC | $325,000 | $1,240,000 | 281.5% | 0.6% |
| First Interstate Bank | $675,000 | $1,205,000 | 78.5% | 0.6% |
| Lincoln FSB of Nebraska | $440,000 | $1,140,000 | 159.1% | 0.5% |
| NexBank | $1,020,000 | n/a | 0.5% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,140,000 | $890,000 | -21.9% | 0.4% |
| Equitable Bank | $780,000 | $880,000 | 12.8% | 0.4% |
| CHURCHILL MORTGAGE CORPORATION | $1,070,000 | $845,000 | -21.0% | 0.4% |
| CASTLE & COOKE MORTGAGE, LLC | $780,000 | n/a | 0.4% | |
| FREEDOM MORTGAGE CORPORATION | $305,000 | $760,000 | 149.2% | 0.4% |
| Home Federal Savings & Loan Association of Grand Island | $1,425,000 | $730,000 | -48.8% | 0.3% |
| The Federal Savings Bank | $205,000 | $705,000 | 243.9% | 0.3% |
| PENNYMAC LOAN SERVICES, LLC | $515,000 | $690,000 | 34.0% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $395,000 | $680,000 | 72.2% | 0.3% |
| Northwest Bank | $675,000 | n/a | 0.3% | |
| LOANDEPOT.COM, LLC | $240,000 | $660,000 | 175.0% | 0.3% |
| Cornerstone Bank | $1,710,000 | $640,000 | -62.6% | 0.3% |
| Central National Bank | $610,000 | n/a | 0.3% | |
| NAVY FEDERAL CREDIT UNION | $1,060,000 | $600,000 | -43.4% | 0.3% |
| CMG MORTGAGE, INC. | $225,000 | $575,000 | 155.6% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $225,000 | $550,000 | 144.4% | 0.3% |
| Union Bank and Trust Company | $25,000 | $550,000 | 2,100.0% | 0.3% |
| MORIA DEVELOPMENT, INC. | $545,000 | $525,000 | -3.7% | 0.2% |
| Security First Bank | $35,000 | $460,000 | 1,214.3% | 0.2% |
| VERIDIAN CREDIT UNION | $335,000 | $450,000 | 34.3% | 0.2% |
| Armed Forces Bank | $445,000 | n/a | 0.2% | |
| Adams Bank & Trust | $335,000 | $440,000 | 31.3% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $275,000 | $435,000 | 58.2% | 0.2% |
| Magnolia Bank | $405,000 | $425,000 | 4.9% | 0.2% |
| Discover Bank | $355,000 | $415,000 | 16.9% | 0.2% |
| BROKER SOLUTIONS, INC. | $585,000 | $395,000 | -32.5% | 0.2% |
| NEW DAY FINANCIAL, LLC | $245,000 | $395,000 | 61.2% | 0.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $85,000 | $385,000 | 352.9% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $185,000 | $385,000 | 108.1% | 0.2% |
| ARCHER COOPERATIVE CREDIT UNION | $380,000 | n/a | 0.2% | |
| FirstBank of Nebraska | $375,000 | n/a | 0.2% | |
| CORNHUSKER BANK | $465,000 | $365,000 | -21.5% | 0.2% |
| Farmers and Merchants Bank | $355,000 | n/a | 0.2% | |
| Members Mortgage Services, L.L.C. | $280,000 | $350,000 | 25.0% | 0.2% |
| GUILD MORTGAGE COMPANY | $340,000 | n/a | 0.2% | |
| Frontier Bank | $330,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $325,000 | n/a | 0.2% | |
| CITY BANK & TRUST CO. | $320,000 | n/a | 0.1% | |
| GUARANTEED RATE, INC. | $175,000 | $305,000 | 74.3% | 0.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $315,000 | $290,000 | -7.9% | 0.1% |
| V.I.P. MORTGAGE, INC. | $285,000 | n/a | 0.1% | |
| American National Bank | $275,000 | n/a | 0.1% | |
| PNC Bank | $105,000 | $275,000 | 161.9% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $265,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $265,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $255,000 | n/a | 0.1% | |
| THRIVENT Federal Credit Union | $255,000 | n/a | 0.1% | |
| CENTRIS FEDERAL CREDIT UNION | $480,000 | $250,000 | -47.9% | 0.1% |
| 21ST MORTGAGE CORPORATION | $130,000 | $245,000 | 88.5% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $215,000 | $235,000 | 9.3% | 0.1% |
| AmeriHome Mortgage Company, LLC | $225,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $175,000 | $225,000 | 28.6% | 0.1% |
| Heritage Bank | $545,000 | $225,000 | -58.7% | 0.1% |
| Northpointe Bank | $155,000 | $205,000 | 32.3% | 0.1% |
| Servion, Inc. | $1,020,000 | $205,000 | -79.9% | 0.1% |
| Truist | $205,000 | n/a | 0.1% | |
| Deere Employees Credit Union | $450,000 | $200,000 | -55.6% | 0.1% |
| USAA Federal Savings Bank | $600,000 | $195,000 | -67.5% | 0.1% |
| SIRVA MORTGAGE, INC. | $185,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $125,000 | $180,000 | 44.0% | 0.1% |
| DELMAR FINANCIAL COMPANY | $155,000 | n/a | 0.1% | |
| Financial Funding Solutions, Inc. | $155,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $125,000 | n/a | 0.1% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $125,000 | n/a | 0.1% | |
| Citizens Bank & Trust Co. | $100,000 | n/a | 0.0% | |
| Points West Community Bank | $55,000 | $75,000 | 36.4% | 0.0% |
| University of Nebraska Federal Credit Union | $115,000 | $75,000 | -34.8% | 0.0% |
| ZILLOW HOME LOANS, LLC | $235,000 | $65,000 | -72.3% | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| Gateway First Bank | $540,000 | $55,000 | -89.8% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| Coastal Community Bank | $60,000 | $25,000 | -58.3% | 0.0% |
| Figure Lending LLC | $195,000 | $25,000 | -87.2% | 0.0% |
Kearney's top lender by overall market share is Pinnacle Bank, with 20.7% market share. In second place, with 16.0%, is Ally Bank, having originated $34,505,000 in loans. In third place, with 10.8%, is First National Bank of Omaha, having originated $23,390,000 in loans. In fourth place, with 6.7%, is West Gate Bank, having originated $14,395,000 in loans. In fifth place, with 5.6%, is Five Points Bank, having originated $12,030,000 in loans.
Kearney, NE Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 556 | $166,180,000 | $298,885 |
| Refi | 106 | $26,670,000 | $251,604 |
| Cash Out Refi | 83 | $13,915,000 | $167,651 |
| Home Improvement | 64 | $4,420,000 | $69,063 |
| Other | 58 | $4,610,000 | $79,483 |
Kearney's most frequently cited loan purpose was Home Purchase, with 556 originations. The 2nd most popular reason was Refi, with 106 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 338 | $84,770,000 | $250,799 |
| 7-8% | 134 | $67,520,000 | $503,881 |
| Over 8% | 109 | $9,995,000 | $91,697 |
| 5-6% | 95 | $20,765,000 | $218,579 |
| <2.5% | 40 | $350,000 | $8,750 |
| 3-4% | 5 | $225,000 | $45,000 |
| 4-5% | 2 | $380,000 | $190,000 |
During 2024, Kearney's most frequently originated rate bucket was 6-7%, with 338 originations.
Loan Sizing (Kearney, NE MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 326 | $88,220,000 | $270,613 |
| $100k-200k | 250 | $37,430,000 | $149,720 |
| $100,000 or less | 221 | $10,745,000 | $48,620 |
| $400k-600k | 44 | $21,080,000 | $479,091 |
| $600k-1000k | 18 | $12,920,000 | $717,778 |
| $Over $1MM | 8 | $45,400,000 | $5,675,000 |
Kearney's loan sizing saw the bucket of loans from $200k-400k with 326 originations, totaling $88,220,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 307 | $79,845,000 | $260,081 |
| 60-80% | 151 | $73,095,000 | $484,073 |
| Under 20% | 109 | $4,085,000 | $37,477 |
| 20-40% | 76 | $8,830,000 | $116,184 |
| 40-60% | 65 | $15,635,000 | $240,538 |
| Over 100% | 7 | $1,945,000 | $277,857 |
Kearney's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 307 originations, totaling $79,845,000 in origination value.