North Platte 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 North Platte averaged 7.2% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 6.58% and one month ago for the week of 2024-03-14, the average rate was 6.64%.

    North Platte's average rate one year ago was 6.27%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.2%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    North Platte 30 Year Fixed Rate 2024-04-18 7.2%
    North Platte 30 Year Fixed Rate Refi 2024-04-18 7.2%
    North Platte 15 Year Fixed Rate 2024-04-18 6.59%
    North Platte 15 Year Fixed Rate Refi 2024-04-18 6.89%
    North Platte 30 Year FHA 2024-04-18 7.06%
    North Platte 30 Year FHA Refi 2024-04-18 6.96%
    North Platte 30 Year USDA 2024-04-18 6.86%
    North Platte 30 Year USDA Refi 2024-04-18 7.06%
    North Platte 30 Year VA 2024-04-18 6.96%
    North Platte 30 Year VA Refi 2024-04-18 6.86%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within North Platte, NE.

    North Platte 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 North Platte, 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
    First National Bank of Omaha 29 6.46% $3,586
    QUICKEN LOANS, LLC 19 6.67% $6,237
    West Gate Bank 16 6.63% $2,953
    Adams Bank & Trust 13 6.60% $4,066
    First State Bank 13 6.64% $2,708
    CHARTER WEST BANK 7 6.80% $3,110
    CENTRIS FEDERAL CREDIT UNION 6 7.06% $2,884
    Farm Credit Mid-America, ACA 3 7.00% $7,136
    NAVY FEDERAL CREDIT UNION 3 8.04% $2,730
    JPMorgan Chase Bank 2 6.81% $4,759
    U.S. Bank 2 6.06% $3,585
    Wells Fargo Bank 2 6.50% $2,403
    LOANDEPOT.COM, LLC 2 7.06% $7,299
    CMG MORTGAGE, INC. 2 6.87% $3,459
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.43% $7,876
    GUARANTEED RATE, INC. 1 7.25% $3,262
    LAKEVIEW LOAN SERVICING, LLC 1 6.99% $5,805
    CORNERSTONE HOME LENDING, INC. 1 6.38% $10,156
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.25% $10,990
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.25% $5,059
    NATIONS RELIABLE LENDING, LLC 1 7.25% $4,472
    NBH Bank 1 5.99% $2,803
    PNC Bank 1 6.25% $2,594
    AMERISAVE MORTGAGE CORPORATION 1 6.63% $7,686
    Regent Financial Group, Inc. 1 6.50% $10,366
    Security First Bank 1 6.50% $2,881
    Mortgage Research Center, LLC 1 7.25% $5,976
    CORNHUSKER BANK 1 6.88% $1,384
    CORTRUST MORTGAGE, INC. 1 6.38% $3,862
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.38% $3,423
    First Interstate Bank 1 7.75% $3,280
    BROKER SOLUTIONS, INC. 1 7.63% $7,450
    First PREMIER Bank 1 6.50% $4,382
    American Mortgage & Equity Consultants, Inc. 1 8.13% $5,361

    North Platte Average Closing Costs & Other Stats

    North Platte, NE's 34 lenders originated 484 loans during 2023. The total origination value was $66,370,000, with an average loan value of $137,128.

    North Platte's average closing costs are $4,189.

    The top North Platte lender as defined by loan originations is First National Bank of Omaha, with 29 loans originated. Their average total fees are $3,586, which is $2,651 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee North Platte lenders (with over 10 loans originated) are First State Bank ($2,708), West Gate Bank ($2,953), First National Bank of Omaha ($3,586), Adams Bank & Trust ($4,066) and QUICKEN LOANS, LLC ($6,237).

    The lowest rate North Platte lenders (with over 10 loans originated) are First National Bank of Omaha (6.46%), Adams Bank & Trust (6.60%), West Gate Bank (6.63%), First State Bank (6.64%) and QUICKEN LOANS, LLC (6.67%).

    North Platte, 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
    First National Bank of Omaha $9,085,000 $10,500,000 15.6% 15.8%
    QUICKEN LOANS, LLC $8,805,000 $7,545,000 -14.3% 11.4%
    First State Bank $10,725,000 $6,645,000 -38.0% 10.0%
    Equitable Bank $7,180,000 $6,055,000 -15.7% 9.1%
    Adams Bank & Trust $11,420,000 $5,180,000 -54.6% 7.8%
    West Gate Bank $2,530,000 $4,165,000 64.6% 6.3%
    CENTRIS FEDERAL CREDIT UNION $5,520,000 $3,825,000 -30.7% 5.8%
    Mortgage Research Center, LLC $1,730,000 $2,965,000 71.4% 4.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,160,000 $1,585,000 36.6% 2.4%
    CHARTER WEST BANK $1,980,000 $1,530,000 -22.7% 2.3%
    Farm Credit Mid-America, ACA $1,685,000 $1,125,000 -33.2% 1.7%
    LOANDEPOT.COM, LLC $1,290,000 $970,000 -24.8% 1.5%
    U.S. Bank $865,000 $840,000 -2.9% 1.3%
    NAVY FEDERAL CREDIT UNION $500,000 $685,000 37.0% 1.0%
    CHURCHILL MORTGAGE CORPORATION $605,000 $670,000 10.7% 1.0%
    NEW DAY FINANCIAL, LLC $1,085,000 $660,000 -39.2% 1.0%
    Pinnacle Bank $1,315,000 $645,000 -51.0% 1.0%
    USAA Federal Savings Bank $850,000 $590,000 -30.6% 0.9%
    CMG MORTGAGE, INC. $235,000 $575,000 144.7% 0.9%
    First Interstate Bank $2,045,000 $560,000 -72.6% 0.8%
    AMERISAVE MORTGAGE CORPORATION $135,000 $475,000 251.9% 0.7%
    Security First Bank $470,000 n/a 0.7%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,420,000 $455,000 -68.0% 0.7%
    The Federal Savings Bank $530,000 $400,000 -24.5% 0.6%
    NATIONS RELIABLE LENDING, LLC $355,000 n/a 0.5%
    Regent Financial Group, Inc. $195,000 $355,000 82.1% 0.5%
    FREEDOM MORTGAGE CORPORATION $520,000 $345,000 -33.7% 0.5%
    Discover Bank $140,000 $335,000 139.3% 0.5%
    JPMorgan Chase Bank $330,000 n/a 0.5%
    CORNERSTONE HOME LENDING, INC. $305,000 n/a 0.5%
    NEWREZ LLC $195,000 $290,000 48.7% 0.4%
    Figure Lending LLC $185,000 $285,000 54.1% 0.4%
    BMO Harris Bank $230,000 n/a 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $225,000 n/a 0.3%
    CITY BANK & TRUST CO. $205,000 n/a 0.3%
    PNC Bank $205,000 n/a 0.3%
    CORNHUSKER BANK $200,000 n/a 0.3%
    First PREMIER Bank $195,000 n/a 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $190,000 n/a 0.3%
    Prosperity Home Mortgage, LLC $180,000 n/a 0.3%
    BROKER SOLUTIONS, INC. $1,970,000 $155,000 -92.1% 0.2%
    ZILLOW HOME LOANS, LLC $75,000 $155,000 106.7% 0.2%
    Wells Fargo Bank $4,205,000 $150,000 -96.4% 0.2%
    Carrington Mortgage Services, LLC $515,000 $145,000 -71.8% 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $145,000 n/a 0.2%
    AMCAP MORTGAGE, LTD. $135,000 n/a 0.2%
    First Nebraska Bank $135,000 n/a 0.2%
    Flagstar Bank, FSB $240,000 $135,000 -43.8% 0.2%
    GENEVA FINANCIAL, LLC $135,000 n/a 0.2%
    GUARANTEED RATE, INC. $75,000 $135,000 80.0% 0.2%
    CORTRUST MORTGAGE, INC. $125,000 n/a 0.2%
    LAND HOME FINANCIAL SERVICES, INC. $125,000 n/a 0.2%
    American Mortgage & Equity Consultants, Inc. $115,000 n/a 0.2%
    21ST MORTGAGE CORPORATION $100,000 n/a 0.2%
    Home Federal Savings & Loan Association of Grand Island $95,000 n/a 0.1%
    OCMBC, INC. $95,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $190,000 $85,000 -55.3% 0.1%
    Bank of America $305,000 $70,000 -77.0% 0.1%
    Citizens Bank $165,000 $65,000 -60.6% 0.1%
    Bank of the West $655,000 $55,000 -91.6% 0.1%
    FOUR POINTS $55,000 n/a 0.1%
    NBH Bank $55,000 n/a 0.1%
    Points West Community Bank $45,000 n/a 0.1%
    Union Bank and Trust Company $400,000 $40,000 -90.0% 0.1%
    Five Points Bank $35,000 n/a 0.1%

    North Platte's top lender by overall market share is First National Bank of Omaha, with 15.8% market share. In second place, with 11.4%, is QUICKEN LOANS, LLC, having originated $7,545,000 in loans. In third place, with 10.0%, is First State Bank, having originated $6,645,000 in loans. In fourth place, with 9.1%, is Equitable Bank, having originated $6,055,000 in loans. In fifth place, with 7.8%, is Adams Bank & Trust, having originated $5,180,000 in loans.

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

    Realtor.com - North Platte (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 $158,700 (2.9%) $189,683 (5.1%) 0.00 110
    2018-02-01 $154,900 (-8.1%) $191,011 (0.9%) 0.00 106
    2018-03-01 $165,000 (15.1%) $198,323 (6.3%) 0.00 97
    2018-04-01 $165,000 (10.4%) $201,874 (2.3%) 0.00 98
    2018-05-01 $169,450 (2.7%) $206,827 (4.1%) 0.00 110
    2018-06-01 $185,000 (5.2%) $212,555 (0.0%) 0.00 119
    2018-07-01 $189,125 (9.3%) $217,154 (7.0%) 0.00 118
    2018-08-01 $174,500 (5.5%) $200,196 (2.5%) 0.00 117
    2018-09-01 $165,000 (8.6%) $185,174 (0.4%) 0.00 114
    2018-10-01 $162,450 (7.6%) $188,727 (2.3%) 0.00 110
    2018-11-01 $159,900 (-3.1%) $186,586 (-3.7%) 0.00 114
    2018-12-01 $159,500 (-0.3%) $183,270 (-5.4%) 0.00 114
    2019-01-01 $159,500 (0.5%) $185,391 (-2.3%) 0.00 112
    2019-02-01 $165,975 (7.2%) $190,567 (-0.2%) 0.00 108
    2019-03-01 $176,100 (6.7%) $192,404 (-3.0%) 0.00 108
    2019-04-01 $173,850 (5.4%) $195,123 (-3.3%) 0.00 108
    2019-05-01 $185,000 (9.2%) $209,387 (1.2%) 0.00 110
    2019-06-01 $190,000 (2.7%) $206,596 (-2.8%) 0.00 139
    2019-07-01 $173,700 (-8.2%) $198,148 (-8.8%) 0.00 154
    2019-08-01 $172,686 (-1.0%) $192,830 (-3.7%) 0.00 171
    2019-09-01 $182,341 (10.5%) $193,261 (4.4%) 0.00 184
    2019-10-01 $189,925 (16.9%) $193,793 (2.7%) 0.00 196
    2019-11-01 $190,000 (18.8%) $193,512 (3.7%) 0.00 177
    2019-12-01 $188,625 (18.3%) $192,241 (4.9%) 0.00 165
    2020-01-01 $187,625 (17.6%) $192,300 (3.7%) 0.00 146
    2020-02-01 $179,500 (8.2%) $186,256 (-2.3%) 0.00 132
    2020-03-01 $181,225 (2.9%) $197,578 (2.7%) 0.00 136
    2020-04-01 $179,350 (3.2%) $196,867 (0.9%) 0.00 142
    2020-05-01 $182,950 (-1.1%) $197,036 (-5.9%) 0.00 138
    2020-06-01 $179,000 (-5.8%) $193,208 (-6.5%) 0.00 129
    2020-07-01 $184,000 (5.9%) $195,233 (-1.5%) 0.00 113
    2020-08-01 $159,900 (-7.4%) $182,044 (-5.6%) 0.00 109
    2020-09-01 $149,900 (-17.8%) $187,464 (-3.0%) 0.00 109
    2020-10-01 $145,000 (-23.7%) $178,522 (-7.9%) 0.00 117
    2020-11-01 $127,500 (-32.9%) $170,174 (-12.1%) 0.00 109
    2020-12-01 $128,675 (-31.8%) $166,050 (-13.6%) 0.00 95
    2021-01-01 $119,900 (-36.1%) $154,881 (-19.5%) 0.00 86
    2021-02-01 $119,900 (-33.2%) $155,548 (-16.5%) 0.00 62
    2021-03-01 $118,500 (-34.6%) $171,825 (-13.0%) 0.00 43
    2021-04-01 $139,175 (-22.4%) $190,989 (-3.0%) 0.00 32
    2021-05-01 $126,900 (-30.6%) $175,135 (-11.1%) 0.00 36
    2021-06-01 $162,425 (-9.3%) $197,948 (2.5%) 0.00 34
    2021-07-01 $175,000 (-4.9%) $199,925 (2.4%) 0.00 53
    2021-08-01 $178,475 (11.6%) $190,798 (4.8%) 0.00 57
    2021-09-01 $167,925 (12.0%) $195,490 (4.3%) 0.00 48
    2021-10-01 $160,000 (10.3%) $207,721 (16.4%) 0.00 49
    2021-11-01 $177,150 (38.9%) $223,279 (31.2%) 0.00 41
    2021-12-01 $144,900 (12.6%) $200,376 (20.7%) 0.00 34
    2022-01-01 $142,450 (18.8%) $214,776 (38.7%) 0.00 32
    2022-02-01 $146,975 (22.6%) $224,097 (44.1%) 0.00 31
    2022-03-01 $151,450 (27.8%) $260,731 (51.7%) 0.00 32
    2022-04-01 $251,500 (80.7%) $299,371 (56.8%) 0.00 35
    2022-05-01 $363,500 (186.5%) $362,153 (106.8%) 0.00 28
    2022-06-01 $346,250 (113.2%) $362,899 (83.3%) 0.00 33
    2022-07-01 $251,950 (44.0%) $312,000 (56.1%) 0.00 44
    2022-08-01 $248,675 (39.3%) $306,860 (60.8%) 0.00 47
    2022-09-01 $227,750 (35.6%) $318,430 (62.9%) 0.00 47
    2022-10-01 $215,000 (34.4%) $307,853 (48.2%) 0.00 54
    2022-11-01 $267,500 (51.0%) $291,143 (30.4%) 0.00 71
    2022-12-01 $240,000 (65.6%) $280,622 (40.1%) 0.00 74
    2023-01-01 $240,000 (68.5%) $288,273 (34.2%) 0.00 66
    2023-02-01 $278,000 (89.2%) $309,323 (38.0%) 0.00 50
    2023-03-01 $292,000 (92.8%) $316,440 (21.4%) 0.00 43
    2023-04-01 $284,500 (13.1%) $299,812 (0.2%) 0.00 41
    2023-05-01 $283,000 (-22.2%) $317,351 (-12.4%) 0.00 43
    2023-06-01 $254,188 (-26.6%) $297,138 (-18.1%) 0.00 41
    2023-07-01 $269,900 (7.1%) $312,714 (0.2%) 0.00 61
    2023-08-01 $249,500 (0.3%) $309,829 (1.0%) 0.00 70
    2023-09-01 $245,000 (7.6%) $298,064 (-6.4%) 0.00 67
    2023-10-01 $238,750 (11.1%) $290,556 (-5.6%) 0.00 71
    2023-11-01 $219,000 (-18.1%) $297,227 (2.1%) 0.00 77
    2023-12-01 $225,000 (-6.3%) $291,749 (4.0%) 0.00 68
    2024-01-01 $231,000 (-3.8%) $311,049 (7.9%) 0.00 62
    2024-02-01 $252,688 (-9.1%) $323,646 (4.6%) 0.00 49
    2024-03-01 $258,700 (-11.4%) $331,597 (4.8%) 0.00 53
    North Platte's median listing price for 2024-03-01 was $258,700, a difference of $-33,300 (-11.4%) versus the prior year and $6,012 versus the prior month.

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

    North Platte's average listing price for 2024-03-01 was $331,597, a difference of $15,157 (4.8%) versus the prior year and $7,951 versus the prior month.

    For the 2024-03-01 period, North Platte had 53 MLS listings, a difference of 4 listings (8%) versus the prior month and 10 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - North Platte (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,774 sqft
    2018-02-01 0 days 1,893 sqft
    2018-03-01 0 days 1,920 sqft
    2018-04-01 0 days 1,979 sqft
    2018-05-01 0 days 2,049 sqft
    2018-06-01 0 days 2,064 sqft
    2018-07-01 0 days 2,108 sqft
    2018-08-01 0 days 2,005 sqft
    2018-09-01 0 days 1,964 sqft
    2018-10-01 0 days 1,908 sqft
    2018-11-01 0 days 1,845 sqft
    2018-12-01 0 days 1,902 sqft
    2019-01-01 0 days 1,908 sqft
    2019-02-01 0 days 1,944 sqft
    2019-03-01 0 days 1,876 sqft
    2019-04-01 0 days 1,789 sqft
    2019-05-01 0 days 1,806 sqft
    2019-06-01 0 days 1,880 sqft
    2019-07-01 0 days 1,822 sqft
    2019-08-01 0 days 1,763 sqft
    2019-09-01 0 days 1,720 sqft
    2019-10-01 0 days 1,704 sqft
    2019-11-01 0 days 1,680 sqft
    2019-12-01 0 days 1,679 sqft
    2020-01-01 0 days 1,680 sqft
    2020-02-01 0 days 1,728 sqft
    2020-03-01 0 days 1,757 sqft
    2020-04-01 0 days 1,761 sqft
    2020-05-01 0 days 1,824 sqft
    2020-06-01 0 days 1,813 sqft
    2020-07-01 0 days 1,842 sqft
    2020-08-01 0 days 1,824 sqft
    2020-09-01 0 days 1,779 sqft
    2020-10-01 0 days 1,768 sqft
    2020-11-01 0 days 1,740 sqft
    2020-12-01 0 days 1,704 sqft
    2021-01-01 0 days 1,556 sqft
    2021-02-01 0 days 1,526 sqft
    2021-03-01 0 days 1,515 sqft
    2021-04-01 0 days 1,623 sqft
    2021-05-01 0 days 1,470 sqft
    2021-06-01 0 days 1,677 sqft
    2021-07-01 0 days 1,721 sqft
    2021-08-01 0 days 1,711 sqft
    2021-09-01 0 days 1,700 sqft
    2021-10-01 0 days 1,680 sqft
    2021-11-01 0 days 1,690 sqft
    2021-12-01 0 days 1,326 sqft
    2022-01-01 0 days 1,280 sqft
    2022-02-01 0 days 1,570 sqft
    2022-03-01 0 days 1,485 sqft
    2022-04-01 0 days 1,608 sqft
    2022-05-01 0 days 1,769 sqft
    2022-06-01 0 days 1,915 sqft
    2022-07-01 0 days 1,842 sqft
    2022-08-01 0 days 1,581 sqft
    2022-09-01 0 days 1,306 sqft
    2022-10-01 0 days 1,561 sqft
    2022-11-01 0 days 1,686 sqft
    2022-12-01 0 days 1,620 sqft
    2023-01-01 0 days 1,629 sqft
    2023-02-01 0 days 1,620 sqft
    2023-03-01 0 days 1,626 sqft
    2023-04-01 0 days 1,904 sqft
    2023-05-01 0 days 1,956 sqft
    2023-06-01 0 days 1,726 sqft
    2023-07-01 0 days 1,758 sqft
    2023-08-01 0 days 1,782 sqft
    2023-09-01 0 days 1,757 sqft
    2023-10-01 0 days 1,652 sqft
    2023-11-01 0 days 1,641 sqft
    2023-12-01 0 days 1,580 sqft
    2024-01-01 0 days 1,580 sqft
    2024-02-01 0 days 1,649 sqft
    2024-03-01 0 days 1,812 sqft
    North Platte's median listing age (time on market) for 2024-03-01 was 0 days.

    North Platte's median square footage for active listings during the 2024-03-01 period was 1,812 sqft. One year prior, the average listing was 1,626 sqft.

    North Platte, NE Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 305 $52,125,000 $170,902
    Home Improvement 52 $3,160,000 $60,769
    Other 52 $2,760,000 $53,077
    Cash Out Refi 45 $6,135,000 $136,333
    Refi 30 $2,190,000 $73,000

    North Platte's most frequently cited loan purpose was Home Purchase, with 305 originations. The 2nd most popular reason was Home Improvement, with 52 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 186 $30,470,000 $163,817
    7-8% 113 $14,845,000 $131,372
    Over 8% 62 $4,000,000 $64,516
    5-6% 51 $9,795,000 $192,059
    <2.5% 15 $85,000 $5,667
    4-5% 3 $635,000 $211,667
    3-4% 2 $40,000 $20,000

    During 2023, North Platte's most frequently originated rate bucket was 6-7%, with 186 originations.

    Loan Sizing (North Platte, NE MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 202 $10,750,000 $53,218
    $100k-200k 177 $25,885,000 $146,243
    $200k-400k 99 $26,855,000 $271,263
    $400k-600k 6 $2,880,000 $480,000

    North Platte's loan sizing saw the bucket of loans from $100,000 or less with 202 originations, totaling $10,750,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 195 $37,735,000 $193,513
    Under 20% 69 $2,455,000 $35,580
    60-80% 61 $9,545,000 $156,475
    20-40% 58 $4,070,000 $70,172
    40-60% 40 $4,610,000 $115,250
    Over 100% 5 $1,385,000 $277,000

    North Platte's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 195 originations, totaling $37,735,000 in origination value.