Scottsbluff Mortgage Rates

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

30 Year Fixed Rate mortgages in Scottsbluff averaged 6.19% 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 6.1% and one month ago for the week of 2022-05-26, the average rate was 5.19%.

Scottsbluff's average rate one year ago was 3.52%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.65%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Scottsbluff 30 Year Fixed Rate 2022-06-30 6.19%
Scottsbluff 30 Year Fixed Rate Refi 2022-06-30 5.65%
Scottsbluff 15 Year Fixed Rate 2022-06-30 5.14%
Scottsbluff 15 Year Fixed Rate Refi 2022-06-30 4.91%
Scottsbluff 30 Year FHA 2022-06-30 5.88%
Scottsbluff 30 Year FHA Refi 2022-06-30 5.62%
Scottsbluff 30 Year USDA 2022-06-30 5.63%
Scottsbluff 30 Year USDA Refi 2022-06-30 5.52%
Scottsbluff 30 Year VA 2022-06-30 5.88%
Scottsbluff 30 Year VA Refi 2022-06-30 5.27%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Scottsbluff, NE.

Scottsbluff 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 Scottsbluff, 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
QUICKEN LOANS, LLC 34 3.16% $4,548
U.S. Bank 26 3.41% $2,591
First National Bank of Omaha 17 3.15% $2,338
West Gate Bank 16 3.11% $3,347
HOME POINT FINANCIAL CORPORATION 12 3.28% $1,990
LOANDEPOT.COM, LLC 10 3.56% $4,222
Wells Fargo Bank 9 3.13% $2,997
AMERICAN FINANCING CORPORATION 7 3.38% $3,606
BROKER SOLUTIONS, INC. 4 3.25% $3,878
Pinnacle Bank - Wyoming 4 3.12% $3,529
Flagstar Bank, FSB 4 3.35% $3,340
Truist Bank 3 3.00% $3,931
AMERISAVE MORTGAGE CORPORATION 3 2.99% $4,192
Mr. Cooper ( Nationstar Mortgage ) 3 3.25% $4,191
NEWREZ LLC 3 3.29% $4,102
Great Western Bank 2 2.94% $2,678
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 3.19% $3,529
JPMorgan Chase Bank 2 3.06% $3,871
Ally Bank 2 3.06% $1,615
UNITED WHOLESALE MORTGAGE, LLC 2 3.24% $2,808
BETTER MORTGAGE CORPORATION 2 2.44% $1,790
Plains Commerce Bank 2 3.25% $3,105
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.88% $4,254
FREEDOM MORTGAGE CORPORATION 2 3.00% $1,564
Wyoming Bank & Trust 1 2.88% $7,278
ON TAP 1 3.25% $4,120
PENNYMAC LOAN SERVICES, LLC 1 3.63% $5,510
Deere Employees Credit Union 1 1.88% $3,758
Chickasaw Community Bank 1 3.25% $2,540
Renasant Bank 1 3.00% $2,713
Security First Bank 1 2.63% $3,104
SOFI LENDING CORP. 1 2.88% $3,163
THRIVENT Federal Credit Union 1 3.63% $2,510
Bank of America 1 2.88% $2,439
First Bank 1 3.25% $2,676
First Western Trust Bank 1 3.00% $2,830
Financial Funding Solutions, Inc. 1 2.99% $3,242
Farm Credit Mid-America, ACA 1 3.30% $4,722
Gateway First Bank 1 3.00% $3,090
GENEVA FINANCIAL, LLC 1 3.13% $3,309
Glacier Bank 1 3.38% $2,345
LIBERTY FIRST 1 2.85% $2,759
DELMAR FINANCIAL COMPANY 1 2.75% $4,053
Meridian Trust Federal Credit Union 1 3.25% $1,982
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 6.63% $8,925

Scottsbluff, NE's 45 lenders originated 707 loans during 2021. The total origination value was $109,045,000, with an average loan value of $154,236.

The top Scottsbluff lender as defined by loan originations is QUICKEN LOANS, LLC, with 34 loans originated. Their average total fees are $4,548, which is $1,956 higher than the next largest lender, U.S. Bank.

The lowest fee Scottsbluff lenders (with over 10 loans originated) are HOME POINT FINANCIAL CORPORATION ($1,990), First National Bank of Omaha ($2,338), U.S. Bank ($2,591), West Gate Bank ($3,347) and LOANDEPOT.COM, LLC ($4,222).

The lowest rate Scottsbluff lenders (with over 10 loans originated) are West Gate Bank (3.11%), First National Bank of Omaha (3.15%), QUICKEN LOANS, LLC (3.16%), HOME POINT FINANCIAL CORPORATION (3.28%) and U.S. Bank (3.41%).

Scottsbluff, 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
QUICKEN LOANS, LLC $20,490,000 $17,545,000 -14.4% 16.1%
First National Bank of Omaha $10,650,000 $8,405,000 -21.1% 7.7%
CASTLE & COOKE MORTGAGE, LLC $11,420,000 $7,825,000 -31.5% 7.2%
U.S. Bank $5,140,000 $5,700,000 10.9% 5.2%
HOME POINT FINANCIAL CORPORATION $4,460,000 $5,455,000 22.3% 5.0%
FREEDOM MORTGAGE CORPORATION $2,225,000 $5,040,000 126.5% 4.6%
West Gate Bank $5,565,000 $4,895,000 -12.0% 4.5%
Mortgage Research Center, LLC $2,020,000 $3,800,000 88.1% 3.5%
Wells Fargo Bank $2,180,000 $3,190,000 46.3% 2.9%
Pinnacle Bank - Wyoming $3,415,000 $2,825,000 -17.3% 2.6%
Meridian Trust Federal Credit Union $1,970,000 $2,760,000 40.1% 2.5%
LOANDEPOT.COM, LLC $1,710,000 $2,660,000 55.6% 2.4%
Flagstar Bank, FSB $1,365,000 $2,280,000 67.0% 2.1%
NEWREZ LLC $535,000 $2,240,000 318.7% 2.1%
Great Western Bank $1,175,000 $2,115,000 80.0% 1.9%
UNITED WHOLESALE MORTGAGE, LLC $270,000 $1,930,000 614.8% 1.8%
BETTER MORTGAGE CORPORATION $530,000 $1,650,000 211.3% 1.5%
Adams Bank & Trust $470,000 $1,315,000 179.8% 1.2%
AMERISAVE MORTGAGE CORPORATION $485,000 $1,305,000 169.1% 1.2%
Mr. Cooper ( Nationstar Mortgage ) $495,000 $1,180,000 138.4% 1.1%
BROKER SOLUTIONS, INC. $430,000 $1,125,000 161.6% 1.0%
CALIBER HOME LOANS, INC. $660,000 $1,125,000 70.5% 1.0%
Deere Employees Credit Union $340,000 $1,085,000 219.1% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,085,000 $1,000,000 -7.8% 0.9%
Barrington Bank & Trust Company, N.A. $670,000 $970,000 44.8% 0.9%
AMERICAN FINANCING CORPORATION $310,000 $940,000 203.2% 0.9%
PENNYMAC LOAN SERVICES, LLC $880,000 n/a 0.8%
USAA Federal Savings Bank $1,795,000 $790,000 -56.0% 0.7%
Ally Bank $75,000 $675,000 800.0% 0.6%
Farm Credit Mid-America, ACA $1,075,000 $660,000 -38.6% 0.6%
Truist Bank $495,000 $660,000 33.3% 0.6%
JPMorgan Chase Bank $390,000 $655,000 67.9% 0.6%
Platte Valley Bank $360,000 $600,000 66.7% 0.6%
LAKEVIEW LOAN SERVICING, LLC $320,000 $560,000 75.0% 0.5%
MUTUAL OF OMAHA MORTGAGE, INC. $565,000 $535,000 -5.3% 0.5%
Glacier Bank $300,000 $510,000 70.0% 0.5%
First Western Trust Bank $470,000 n/a 0.4%
Wyoming Bank & Trust $405,000 n/a 0.4%
LIBERTY FIRST $390,000 n/a 0.4%
AMCAP MORTGAGE, LTD. $315,000 $385,000 22.2% 0.4%
NEW DAY FINANCIAL, LLC $660,000 $355,000 -46.2% 0.3%
GUILD MORTGAGE COMPANY $370,000 $330,000 -10.8% 0.3%
Financial Funding Solutions, Inc. $320,000 n/a 0.3%
OPEN MORTGAGE, LLC $305,000 n/a 0.3%
North American Savings Bank, F.S.B. $105,000 $295,000 181.0% 0.3%
PENTAGON FEDERAL CREDIT UNION $295,000 n/a 0.3%
SUN WEST MORTGAGE COMPANY, INC. $95,000 $295,000 210.5% 0.3%
THRIVE MORTGAGE, LLC $295,000 n/a 0.3%
DELMAR FINANCIAL COMPANY $265,000 n/a 0.2%
LOANSNAP, INC. $265,000 n/a 0.2%
Security First Bank $385,000 $265,000 -31.2% 0.2%
The Federal Savings Bank $490,000 $255,000 -48.0% 0.2%
PHH Mortgage Corporation $125,000 $250,000 100.0% 0.2%
Plains Commerce Bank $660,000 $250,000 -62.1% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $580,000 $240,000 -58.6% 0.2%
Access Bank $235,000 n/a 0.2%
CRESCENT MORTGAGE COMPANY $235,000 n/a 0.2%
Northpointe Bank $235,000 n/a 0.2%
WESTERN VISTA $455,000 $235,000 -48.4% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $230,000 n/a 0.2%
Bank of America $595,000 $225,000 -62.2% 0.2%
First Western Bank & Trust $225,000 n/a 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $215,000 n/a 0.2%
Black Hills Community Bank $85,000 $215,000 152.9% 0.2%
THRIVENT Federal Credit Union $200,000 n/a 0.2%
NAVY FEDERAL CREDIT UNION $520,000 $185,000 -64.4% 0.2%
Discover Bank $45,000 $175,000 288.9% 0.2%
First Bank $105,000 $175,000 66.7% 0.2%
Manufacturers and Traders Trust Company $175,000 n/a 0.2%
ON TAP $175,000 n/a 0.2%
SOFI LENDING CORP. $175,000 n/a 0.2%
UNIVERSAL LENDING CORPORATION $545,000 $165,000 -69.7% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $155,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $620,000 $155,000 -75.0% 0.1%
NUMARK CREDIT UNION $155,000 n/a 0.1%
Bank of the West $45,000 $145,000 222.2% 0.1%
CHARTER WEST BANK $145,000 n/a 0.1%
EQUITABLE SAVINGS AND LOAN ASSOCIATION $260,000 $145,000 -44.2% 0.1%
OCEANSIDE MORTGAGE COMPANY $135,000 n/a 0.1%
Wallick & Volk, Inc. $135,000 n/a 0.1%
Carrington Mortgage Services, LLC $95,000 $125,000 31.6% 0.1%
Low VA Rates, LLC $125,000 n/a 0.1%
Sierra Pacific Mortgage Company, Inc. $125,000 n/a 0.1%
Chickasaw Community Bank $115,000 n/a 0.1%
GENEVA FINANCIAL, LLC $115,000 n/a 0.1%
POLARIS HOME FUNDING CORP. $115,000 n/a 0.1%
Renasant Bank $115,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $260,000 $110,000 -57.7% 0.1%
RUOFF MORTGAGE COMPANY, INC. $105,000 n/a 0.1%
Union Bank and Trust Company $95,000 n/a 0.1%
First Interstate Bank $630,000 $85,000 -86.5% 0.1%
CMG MORTGAGE, INC. $710,000 $75,000 -89.4% 0.1%
Gateway First Bank $75,000 n/a 0.1%
Figure Lending LLC $50,000 n/a 0.0%
BMO Harris Bank $45,000 n/a 0.0%
FIRST STATE MORTGAGE SERVICES, LLC $45,000 n/a 0.0%
TIAA, FSB $45,000 n/a 0.0%
Points West Community Bank $15,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $5,000 n/a 0.0%

Scottsbluff's top lender by overall market share is QUICKEN LOANS, LLC, with 16.1% market share. In second place, with 7.7%, is First National Bank of Omaha, having originated $8,405,000 in loans. In third place, with 7.2%, is CASTLE & COOKE MORTGAGE, LLC, having originated $7,825,000 in loans. In third place, with 5.2%, is U.S. Bank, having originated $5,700,000 in loans. In third place, with 5.0%, is HOME POINT FINANCIAL CORPORATION, having originated $5,455,000 in loans.


Scottsbluff, NE Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 287 $44,015,000 $153,362
Home Purchase 250 $43,360,000 $173,440
Cash Out Refi 138 $20,060,000 $145,362
Home Improvement 19 $1,025,000 $53,947
Other 13 $585,000 $45,000

Scottsbluff's most frequently cited loan purpose was Refi, with 287 originations. The 2nd most popular reason was Home Purchase, with 250 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 272 $42,950,000 $157,904
3-4% 243 $36,065,000 $148,416
<2.5% 125 $22,085,000 $176,680
4-5% 50 $6,350,000 $127,000
5-6% 4 $330,000 $82,500
6-7% 2 $260,000 $130,000
7-8% 2 $30,000 $15,000

During 2021, Scottsbluff's most frequently originated rate bucket was 2.5-3%, with 272 originations.

Loan Sizing (Scottsbluff, NE MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 373 $52,955,000 $141,971
$100,000 or less 173 $11,875,000 $68,642
$200k-400k 151 $38,035,000 $251,887
$400k-600k 8 $3,530,000 $441,250
$Over $1MM 2 $2,650,000 $1,325,000

Scottsbluff's loan sizing saw the bucket of loans from $100k-200k with 373 originations, totaling $52,955,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 294 $49,890,000 $169,694
60-80% 244 $40,320,000 $165,246
40-60% 68 $8,450,000 $124,265
20-40% 25 $1,975,000 $79,000
Under 20% 19 $545,000 $28,684
Over 100% 7 $1,195,000 $170,714

Scottsbluff's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 294 originations, totaling $49,890,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Scottsbluff (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 $173,250 (7.9%) $189,285 (-0.1%) 0.00 169
2018-02-01 $170,500 (11.8%) $187,202 (-1.7%) 0.00 168
2018-03-01 $174,900 (13.9%) $198,084 (5.8%) 0.00 145
2018-04-01 $177,000 (18.0%) $206,199 (10.3%) 0.00 151
2018-05-01 $183,950 (19.3%) $218,820 (16.8%) 0.00 171
2018-06-01 $179,000 (7.2%) $221,526 (9.9%) 0.00 182
2018-07-01 $178,950 (8.5%) $222,446 (12.6%) 0.00 191
2018-08-01 $172,475 (-7.6%) $217,396 (1.6%) 0.00 195
2018-09-01 $179,000 (-2.2%) $222,873 (10.4%) 0.00 181
2018-10-01 $175,500 (1.0%) $224,711 (18.4%) 0.00 180
2018-11-01 $172,500 (4.6%) $218,916 (19.4%) 0.00 182
2018-12-01 $175,000 (0.0%) $225,057 (18.1%) 0.00 162
2019-01-01 $181,500 (4.8%) $235,057 (24.2%) 0.00 152
2019-02-01 $187,000 (9.7%) $247,633 (32.3%) 0.00 164
2019-03-01 $198,957 (13.8%) $254,427 (28.4%) 0.00 154
2019-04-01 $213,450 (20.6%) $261,273 (26.7%) 0.00 163
2019-05-01 $210,000 (14.2%) $259,146 (18.4%) 0.00 178
2019-06-01 $199,000 (11.2%) $243,774 (10.0%) 0.00 172
2019-07-01 $199,950 (11.7%) $244,633 (10.0%) 0.00 174
2019-08-01 $202,429 (17.4%) $243,020 (11.8%) 0.00 185
2019-09-01 $199,000 (11.2%) $241,367 (8.3%) 0.00 187
2019-10-01 $190,950 (8.8%) $238,689 (6.2%) 0.00 195
2019-11-01 $190,000 (10.1%) $238,520 (9.0%) 0.00 176
2019-12-01 $199,000 (13.7%) $240,321 (6.8%) 0.00 163
2020-01-01 $202,450 (11.5%) $235,537 (0.2%) 0.00 145
2020-02-01 $213,000 (13.9%) $241,181 (-2.6%) 0.00 138
2020-03-01 $214,000 (7.6%) $240,092 (-5.6%) 0.00 139
2020-04-01 $219,500 (2.8%) $231,960 (-11.2%) 0.00 141
2020-05-01 $222,500 (6.0%) $243,404 (-6.1%) 0.00 140
2020-06-01 $210,000 (5.5%) $251,005 (3.0%) 0.00 131
2020-07-01 $204,900 (2.5%) $249,340 (1.9%) 0.00 116
2020-08-01 $214,000 (5.7%) $277,145 (14.0%) 0.00 101
2020-09-01 $227,000 (14.1%) $278,211 (15.3%) 0.00 81
2020-10-01 $204,000 (6.8%) $278,331 (16.6%) 0.00 69
2020-11-01 $182,000 (-4.2%) $242,587 (1.7%) 0.00 72
2020-12-01 $178,250 (-10.4%) $237,273 (-1.3%) 0.00 69
2021-01-01 $167,500 (-17.3%) $218,934 (-7.1%) 0.00 61
2021-02-01 $177,450 (-16.7%) $232,849 (-3.5%) 0.00 62
2021-03-01 $232,450 (8.6%) $254,652 (6.1%) 0.00 58
2021-04-01 $217,000 (-1.1%) $254,267 (9.6%) 0.00 57
2021-05-01 $239,000 (7.4%) $298,836 (22.8%) 0.00 43
2021-06-01 $262,450 (25.0%) $312,302 (24.4%) 0.00 40
2021-07-01 $210,000 (2.5%) $265,059 (6.3%) 0.00 50
2021-08-01 $215,000 (0.5%) $261,968 (-5.5%) 0.00 66
2021-09-01 $178,500 (-21.4%) $282,586 (1.6%) 0.00 74
2021-10-01 $209,900 (2.9%) $520,149 (86.9%) 0.00 60
2021-11-01 $192,000 (5.5%) $507,465 (109.2%) 0.00 64
2021-12-01 $184,000 (3.2%) $530,557 (123.6%) 0.00 60
2022-01-01 $215,000 (28.4%) $539,289 (146.3%) 0.00 54
2022-02-01 $223,750 (26.1%) $395,228 (69.7%) 0.00 43
2022-03-01 $254,500 (9.5%) $387,724 (52.3%) 0.00 47
2022-04-01 $258,000 (18.9%) $375,243 (47.6%) 0.00 49
2022-05-01 $307,000 (28.5%) $440,615 (47.4%) 0.00 56
2022-06-01 $315,000 (20.0%) $470,435 (50.6%) 0.00 59
Scottsbluff's median listing price for 2022-06-01 was $315,000, a difference of $52,550 (20.0%) versus the prior year and $8,000 versus the prior month.

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

Scottsbluff's average listing price for 2022-06-01 was $470,435, a difference of $158,133 (50.6%) versus the prior year and $29,820 versus the prior month.

For the 2022-06-01 period, Scottsbluff had 59 MLS listings, a difference of 3 listings (5%) versus the prior month and 19 listings (48%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Scottsbluff (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,377 sqft
2018-02-01 0 days 1,354 sqft
2018-03-01 0 days 1,360 sqft
2018-04-01 0 days 1,451 sqft
2018-05-01 0 days 1,485 sqft
2018-06-01 0 days 1,473 sqft
2018-07-01 0 days 1,503 sqft
2018-08-01 0 days 1,528 sqft
2018-09-01 0 days 1,502 sqft
2018-10-01 0 days 1,488 sqft
2018-11-01 0 days 1,497 sqft
2018-12-01 0 days 1,502 sqft
2019-01-01 0 days 1,532 sqft
2019-02-01 0 days 1,544 sqft
2019-03-01 0 days 1,446 sqft
2019-04-01 0 days 1,422 sqft
2019-05-01 0 days 1,477 sqft
2019-06-01 0 days 1,360 sqft
2019-07-01 0 days 1,418 sqft
2019-08-01 0 days 1,367 sqft
2019-09-01 0 days 1,363 sqft
2019-10-01 0 days 1,406 sqft
2019-11-01 0 days 1,430 sqft
2019-12-01 0 days 1,446 sqft
2020-01-01 0 days 1,454 sqft
2020-02-01 0 days 1,502 sqft
2020-03-01 0 days 1,501 sqft
2020-04-01 0 days 1,501 sqft
2020-05-01 0 days 1,538 sqft
2020-06-01 0 days 1,552 sqft
2020-07-01 0 days 1,496 sqft
2020-08-01 0 days 1,538 sqft
2020-09-01 0 days 1,555 sqft
2020-10-01 0 days 1,526 sqft
2020-11-01 0 days 1,440 sqft
2020-12-01 0 days 1,443 sqft
2021-01-01 0 days 1,440 sqft
2021-02-01 0 days 1,429 sqft
2021-03-01 0 days 1,440 sqft
2021-04-01 0 days 1,604 sqft
2021-05-01 0 days 1,700 sqft
2021-06-01 0 days 1,700 sqft
2021-07-01 0 days 1,439 sqft
2021-08-01 0 days 1,509 sqft
2021-09-01 0 days 1,376 sqft
2021-10-01 0 days 1,536 sqft
2021-11-01 0 days 1,420 sqft
2021-12-01 0 days 1,513 sqft
2022-01-01 0 days 1,698 sqft
2022-02-01 0 days 1,638 sqft
2022-03-01 0 days 1,520 sqft
2022-04-01 0 days 1,512 sqft
2022-05-01 0 days 1,748 sqft
2022-06-01 0 days 1,774 sqft
Scottsbluff's median listing age (time on market) for 2022-06-01 was 0 days.

Scottsbluff's median square footage for active listings during the 2022-06-01 period was 1,774 sqft. One year prior, the average listing was 1,700 sqft.