Scottsbluff Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Scottsbluff averaged 7.04% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.95% and one month ago for the week of 2025-02-27, the average rate was 7.16%.

    Scottsbluff's average rate one year ago was 6.89%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.94%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Scottsbluff 30 Year Fixed Rate 2025-04-03 7.04%
    Scottsbluff 30 Year Fixed Rate Refi 2025-04-03 6.94%
    Scottsbluff 15 Year Fixed Rate 2025-04-03 5.62%
    Scottsbluff 15 Year Fixed Rate Refi 2025-04-03 6.22%
    Scottsbluff 30 Year FHA 2025-04-03 6.46%
    Scottsbluff 30 Year FHA Refi 2025-04-03 6.56%
    Scottsbluff 30 Year USDA 2025-04-03 6.52%
    Scottsbluff 30 Year USDA Refi 2025-04-03 6.42%
    Scottsbluff 30 Year VA 2025-04-03 5.96%
    Scottsbluff 30 Year VA Refi 2025-04-03 6.16%
    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 lender, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 20 6.90% $6,400
    First National Bank of Omaha 12 6.79% $4,066
    West Gate Bank 7 6.38% $3,887
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.70% $3,503
    CASTLE & COOKE MORTGAGE, LLC 5 7.02% $5,027
    GUILD MORTGAGE COMPANY 3 6.63% $5,257
    Flagstar Bank, FSB 3 7.47% $2,944
    Plains Commerce Bank 3 6.42% $5,779
    UNITED WHOLESALE MORTGAGE, LLC 3 6.62% $4,764
    U.S. Bank 3 6.79% $2,762
    BMO Harris Bank 2 6.44% $5,437
    Farm Credit Mid-America, ACA 2 6.88% $10,135
    MUTUAL OF OMAHA MORTGAGE, INC. 2 7.06% $6,063
    BROKER SOLUTIONS, INC. 2 7.25% $5,658
    Pinnacle Bank 1 6.38% $3,731
    Pinnacle Bank - Wyoming 1 7.50% $5,220
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.50% $9,198
    S1L, Inc. 1 6.99% $5,836
    Security First Bank 1 5.63% $2,564
    Servion, Inc. 1 6.75% $2,430
    VERIDIAN CREDIT UNION 1 6.63% $1,811
    Meridian Trust Federal Credit Union 1 6.00% $4,057
    DEEPHAVEN MORTGAGE LLC 1 7.38% $8,709
    Deere Employees Credit Union 1 6.38% $3,322
    Discover Bank 1 7.31% $0
    First Federal Bank 1 6.75% $3,920
    First Interstate Bank 1 5.88% $3,064
    First National Bank of America 1 9.38% $6,301
    JPMorgan Chase Bank 1 7.38% $0
    LENDSURE MORTGAGE CORP. 1 8.50% $10,278
    Adams Bank & Trust 1 6.83% $3,637
    NEWREZ LLC 1 6.50% $4,326
    NexBank 1 6.99% $3,703
    NEXERA HOLDING LLC 1 9.13% $9,275
    PENNYMAC LOAN SERVICES, LLC 1 7.00% $4,554

    Scottsbluff Average Closing Costs & Other Stats

    Scottsbluff, NE's 35 lenders originated 331 loans during 2024. The total origination value was $52,445,000, with an average loan value of $158,444.

    Scottsbluff's average closing costs are $4,491.

    The top Scottsbluff lender as defined by loan originations is QUICKEN LOANS, LLC, with 20 loans originated. Their average total fees are $6,400, which is $2,335 higher than the next largest lender, First National Bank of Omaha.

    The lowest fee Scottsbluff lenders (with over 10 loans originated) are First National Bank of Omaha ($4,066), QUICKEN LOANS, LLC ($6,400), .

    The lowest rate Scottsbluff lenders (with over 10 loans originated) are First National Bank of Omaha (6.79%), QUICKEN LOANS, LLC (6.90%), .

    Scottsbluff, 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
    QUICKEN LOANS, LLC $6,550,000 $7,345,000 12.1% 14.0%
    First National Bank of Omaha $5,920,000 $5,980,000 1.0% 11.4%
    Mortgage Research Center, LLC $3,130,000 $3,405,000 8.8% 6.5%
    CASTLE & COOKE MORTGAGE, LLC $3,350,000 $2,810,000 -16.1% 5.4%
    BMO Harris Bank $1,585,000 n/a 3.0%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $920,000 $1,380,000 50.0% 2.6%
    PENNYMAC LOAN SERVICES, LLC $1,380,000 n/a 2.6%
    Meridian Trust Federal Credit Union $2,470,000 $1,355,000 -45.1% 2.6%
    BROKER SOLUTIONS, INC. $430,000 $1,345,000 212.8% 2.6%
    West Gate Bank $450,000 $1,320,000 193.3% 2.5%
    UNITED WHOLESALE MORTGAGE, LLC $515,000 $1,300,000 152.4% 2.5%
    Farm Credit Mid-America, ACA $2,165,000 $1,285,000 -40.6% 2.5%
    NEW DAY FINANCIAL, LLC $195,000 $1,180,000 505.1% 2.2%
    GUILD MORTGAGE COMPANY $815,000 $1,165,000 42.9% 2.2%
    U.S. Bank $1,740,000 $1,020,000 -41.4% 1.9%
    FREEDOM MORTGAGE CORPORATION $535,000 $970,000 81.3% 1.8%
    Flagstar Bank, FSB $840,000 $865,000 3.0% 1.6%
    Mr. Cooper ( Nationstar Mortgage ) $515,000 $805,000 56.3% 1.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $105,000 $790,000 652.4% 1.5%
    Wallick & Volk, Inc. $765,000 n/a 1.5%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $340,000 $720,000 111.8% 1.4%
    Plains Commerce Bank $420,000 $690,000 64.3% 1.3%
    Platte Valley Bank $90,000 $675,000 650.0% 1.3%
    VILLAGE CAPITAL MORTGAGE $305,000 $540,000 77.0% 1.0%
    LOANDEPOT.COM, LLC $85,000 $515,000 505.9% 1.0%
    DEEPHAVEN MORTGAGE LLC $495,000 n/a 0.9%
    First Interstate Bank $190,000 $495,000 160.5% 0.9%
    Pinnacle Bank - Wyoming $245,000 $480,000 95.9% 0.9%
    NEWREZ LLC $475,000 n/a 0.9%
    Carrington Mortgage Services, LLC $265,000 $455,000 71.7% 0.9%
    First Federal Bank $395,000 n/a 0.8%
    NAVY FEDERAL CREDIT UNION $1,735,000 $390,000 -77.5% 0.7%
    PLAZA HOME MORTGAGE, INC. $390,000 n/a 0.7%
    CMG MORTGAGE, INC. $380,000 n/a 0.7%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $380,000 n/a 0.7%
    Pinnacle Bank $150,000 $330,000 120.0% 0.6%
    Deere Employees Credit Union $35,000 $305,000 771.4% 0.6%
    CROSSCOUNTRY MORTGAGE, LLC $290,000 n/a 0.6%
    Security First Bank $185,000 $275,000 48.6% 0.5%
    Discover Bank $300,000 $270,000 -10.0% 0.5%
    AMERICAN FINANCING CORPORATION $360,000 $245,000 -31.9% 0.5%
    LENDSURE MORTGAGE CORP. $235,000 n/a 0.4%
    VERIDIAN CREDIT UNION $225,000 n/a 0.4%
    Servion, Inc. $135,000 $220,000 63.0% 0.4%
    First PREMIER Bank $215,000 n/a 0.4%
    Adams Bank & Trust $65,000 $205,000 215.4% 0.4%
    DELMAR FINANCIAL COMPANY $205,000 n/a 0.4%
    S1L, Inc. $205,000 n/a 0.4%
    Wells Fargo Bank $530,000 $200,000 -62.3% 0.4%
    CARDINAL FINANCIAL $135,000 $190,000 40.7% 0.4%
    21ST MORTGAGE CORPORATION $185,000 n/a 0.4%
    JPMorgan Chase Bank $185,000 n/a 0.4%
    Glacier Bank $155,000 $175,000 12.9% 0.3%
    AMERISAVE MORTGAGE CORPORATION $185,000 $170,000 -8.1% 0.3%
    USAA Federal Savings Bank $615,000 $165,000 -73.2% 0.3%
    First State Bank $155,000 n/a 0.3%
    NEXERA HOLDING LLC $155,000 n/a 0.3%
    First National Bank of America $145,000 n/a 0.3%
    NexBank $145,000 n/a 0.3%
    EQUITABLE SAVINGS AND LOAN ASSOCIATION $135,000 n/a 0.3%
    Figure Lending LLC $60,000 $130,000 116.7% 0.2%
    FINANCE OF AMERICA REVERSE LLC $120,000 n/a 0.2%
    Coastal Community Bank $150,000 $105,000 -30.0% 0.2%
    Bethpage Federal Credit Union $75,000 n/a 0.1%
    Union Bank and Trust Company $75,000 n/a 0.1%
    GUARANTEED RATE, INC. $55,000 n/a 0.1%
    SPRING EQ, LLC $25,000 n/a 0.0%

    Scottsbluff's top lender by overall market share is QUICKEN LOANS, LLC, with 14.0% market share. In second place, with 11.4%, is First National Bank of Omaha, having originated $5,980,000 in loans. In third place, with 6.5%, is Mortgage Research Center, LLC, having originated $3,405,000 in loans. In fourth place, with 5.4%, is CASTLE & COOKE MORTGAGE, LLC, having originated $2,810,000 in loans. In fifth place, with 3.0%, is BMO Harris Bank, having originated $1,585,000 in loans.

    Scottsbluff Housing Market Trends (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 $161,450 (4.9%) $177,563 (-10.2%) 0.00 154
    2018-02-01 $155,125 (4.0%) $175,345 (-12.1%) 0.00 149
    2018-03-01 $169,000 (15.7%) $184,083 (-5.8%) 0.00 125
    2018-04-01 $169,000 (15.0%) $194,200 (0.3%) 0.00 132
    2018-05-01 $175,575 (17.5%) $208,969 (8.6%) 0.00 155
    2018-06-01 $169,900 (3.8%) $209,665 (1.4%) 0.00 164
    2018-07-01 $169,900 (6.2%) $209,092 (3.6%) 0.00 171
    2018-08-01 $166,475 (-3.2%) $205,861 (-0.4%) 0.00 174
    2018-09-01 $169,900 (0.5%) $209,472 (5.5%) 0.00 165
    2018-10-01 $163,700 (6.6%) $207,692 (12.8%) 0.00 167
    2018-11-01 $157,925 (4.6%) $203,126 (17.9%) 0.00 169
    2018-12-01 $160,000 (-3.0%) $211,737 (18.3%) 0.00 150
    2019-01-01 $163,675 (1.4%) $218,057 (22.8%) 0.00 140
    2019-02-01 $164,200 (5.9%) $232,083 (32.4%) 0.00 151
    2019-03-01 $183,286 (8.5%) $242,769 (31.9%) 0.00 138
    2019-04-01 $199,800 (18.2%) $249,940 (28.7%) 0.00 139
    2019-05-01 $201,600 (14.8%) $249,750 (19.5%) 0.00 153
    2019-06-01 $174,900 (2.9%) $231,074 (10.2%) 0.00 147
    2019-07-01 $172,850 (1.7%) $230,617 (10.3%) 0.00 151
    2019-08-01 $190,159 (14.2%) $233,058 (13.2%) 0.00 162
    2019-09-01 $181,773 (7.0%) $230,309 (10.0%) 0.00 167
    2019-10-01 $171,625 (4.8%) $223,101 (7.4%) 0.00 171
    2019-11-01 $173,000 (9.6%) $221,911 (9.3%) 0.00 156
    2019-12-01 $179,725 (12.3%) $221,690 (4.7%) 0.00 143
    2020-01-01 $179,925 (9.9%) $218,402 (0.2%) 0.00 125
    2020-02-01 $192,500 (17.2%) $219,694 (-5.3%) 0.00 121
    2020-03-01 $195,000 (6.4%) $219,339 (-9.7%) 0.00 121
    2020-04-01 $196,500 (-1.7%) $214,979 (-14.0%) 0.00 120
    2020-05-01 $199,250 (-1.2%) $229,162 (-8.2%) 0.00 121
    2020-06-01 $195,000 (11.5%) $235,642 (2.0%) 0.00 115
    2020-07-01 $189,875 (9.9%) $236,078 (2.4%) 0.00 101
    2020-08-01 $198,950 (4.6%) $253,516 (8.8%) 0.00 89
    2020-09-01 $214,000 (17.7%) $258,208 (12.1%) 0.00 71
    2020-10-01 $185,000 (7.8%) $257,826 (15.6%) 0.00 62
    2020-11-01 $170,000 (-1.7%) $230,753 (4.0%) 0.00 66
    2020-12-01 $164,475 (-8.5%) $224,859 (1.4%) 0.00 63
    2021-01-01 $162,900 (-9.5%) $211,644 (-3.1%) 0.00 56
    2021-02-01 $165,550 (-14.0%) $224,970 (2.4%) 0.00 56
    2021-03-01 $199,900 (2.5%) $248,273 (13.2%) 0.00 52
    2021-04-01 $211,625 (7.7%) $251,457 (17.0%) 0.00 52
    2021-05-01 $239,000 (20.0%) $302,818 (32.1%) 0.00 38
    2021-06-01 $259,900 (33.3%) $307,512 (30.5%) 0.00 38
    2021-07-01 $196,000 (3.2%) $254,979 (8.0%) 0.00 48
    2021-08-01 $206,500 (3.8%) $256,929 (1.4%) 0.00 62
    2021-09-01 $172,375 (-19.5%) $274,145 (6.2%) 0.00 69
    2021-10-01 $197,500 (6.8%) $522,318 (102.6%) 0.00 54
    2021-11-01 $187,000 (10.0%) $507,081 (119.8%) 0.00 60
    2021-12-01 $179,500 (9.1%) $528,723 (135.1%) 0.00 58
    2022-01-01 $199,900 (22.7%) $532,950 (151.8%) 0.00 49
    2022-02-01 $215,000 (29.9%) $365,789 (62.6%) 0.00 39
    2022-03-01 $246,000 (23.1%) $364,253 (46.7%) 0.00 40
    2022-04-01 $233,250 (10.2%) $342,032 (36.0%) 0.00 43
    2022-05-01 $253,750 (6.2%) $399,795 (32.0%) 0.00 47
    2022-06-01 $267,738 (3.0%) $431,488 (40.3%) 0.00 50
    2022-07-01 $249,450 (27.3%) $463,048 (81.6%) 0.00 54
    2022-08-01 $237,450 (15.0%) $437,531 (70.3%) 0.00 60
    2022-09-01 $232,225 (34.7%) $410,995 (49.9%) 0.00 63
    2022-10-01 $229,000 (16.0%) $401,469 (-23.1%) 0.00 65
    2022-11-01 $219,225 (17.2%) $383,911 (-24.3%) 0.00 59
    2022-12-01 $212,000 (18.1%) $348,770 (-34.0%) 0.00 64
    2023-01-01 $218,750 (9.4%) $333,940 (-37.3%) 0.00 75
    2023-02-01 $241,000 (12.1%) $348,656 (-4.7%) 0.00 74
    2023-03-01 $252,250 (2.5%) $404,456 (11.0%) 0.00 69
    2023-04-01 $259,000 (11.0%) $404,592 (18.3%) 0.00 64
    2023-05-01 $269,750 (6.3%) $426,325 (6.6%) 0.00 62
    2023-06-01 $282,500 (5.5%) $454,156 (5.3%) 0.00 70
    2023-07-01 $282,000 (13.1%) $460,910 (-0.5%) 0.00 82
    2023-08-01 $268,500 (13.1%) $407,983 (-6.8%) 0.00 91
    2023-09-01 $261,250 (12.5%) $373,532 (-9.1%) 0.00 74
    2023-10-01 $230,200 (0.5%) $348,593 (-13.2%) 0.00 70
    2023-11-01 $253,175 (15.5%) $386,120 (0.6%) 0.00 77
    2023-12-01 $248,900 (17.4%) $364,013 (4.4%) 0.00 91
    2024-01-01 $229,000 (4.7%) $354,189 (6.1%) 0.00 95
    2024-02-01 $227,250 (-5.7%) $347,096 (-0.5%) 0.00 98
    2024-03-01 $225,000 (-10.8%) $346,681 (-14.3%) 0.00 98
    2024-04-01 $241,950 (-6.6%) $442,599 (9.4%) 0.00 98
    2024-05-01 $259,675 (-3.7%) $463,400 (8.7%) 0.00 97
    2024-06-01 $285,000 (0.9%) $499,338 (10.0%) 0.00 101
    2024-07-01 $285,000 (1.1%) $487,442 (5.8%) 0.00 109
    2024-08-01 $279,500 (4.1%) $473,125 (16.0%) 0.00 110
    2024-09-01 $279,500 (7.0%) $475,856 (27.4%) 0.00 111
    2024-10-01 $275,000 (19.5%) $478,802 (37.4%) 0.00 103
    2024-11-01 $260,000 (2.7%) $480,798 (24.5%) 0.00 100
    2024-12-01 $257,500 (3.5%) $507,235 (39.4%) 0.00 89
    2025-01-01 $258,500 (12.9%) $438,245 (23.7%) 0.00 71
    2025-02-01 $274,625 (20.9%) $512,926 (47.8%) 0.00 67
    2025-03-01 $265,000 (17.8%) $512,078 (47.7%) 0.00 81
    Scottsbluff's median listing price for 2025-03-01 was $265,000, a difference of $40,000 (17.8%) versus the prior year and $-9,625 versus the prior month.

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

    Scottsbluff's average listing price for 2025-03-01 was $512,078, a difference of $165,397 (47.7%) versus the prior year and $-848 versus the prior month.

    For the 2025-03-01 period, Scottsbluff had 81 MLS listings, a difference of 14 listings (21%) versus the prior month and -17 listings (-17%) 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 1,353 sqft
    2018-02-01 0 days 1,334 sqft
    2018-03-01 0 days 1,352 sqft
    2018-04-01 0 days 1,423 sqft
    2018-05-01 0 days 1,458 sqft
    2018-06-01 0 days 1,457 sqft
    2018-07-01 0 days 1,450 sqft
    2018-08-01 0 days 1,470 sqft
    2018-09-01 0 days 1,472 sqft
    2018-10-01 0 days 1,442 sqft
    2018-11-01 0 days 1,378 sqft
    2018-12-01 0 days 1,372 sqft
    2019-01-01 0 days 1,395 sqft
    2019-02-01 0 days 1,420 sqft
    2019-03-01 0 days 1,401 sqft
    2019-04-01 0 days 1,405 sqft
    2019-05-01 0 days 1,439 sqft
    2019-06-01 0 days 1,344 sqft
    2019-07-01 0 days 1,379 sqft
    2019-08-01 0 days 1,363 sqft
    2019-09-01 0 days 1,365 sqft
    2019-10-01 0 days 1,364 sqft
    2019-11-01 0 days 1,366 sqft
    2019-12-01 0 days 1,402 sqft
    2020-01-01 0 days 1,368 sqft
    2020-02-01 0 days 1,422 sqft
    2020-03-01 0 days 1,362 sqft
    2020-04-01 0 days 1,403 sqft
    2020-05-01 0 days 1,478 sqft
    2020-06-01 0 days 1,467 sqft
    2020-07-01 0 days 1,431 sqft
    2020-08-01 0 days 1,532 sqft
    2020-09-01 0 days 1,542 sqft
    2020-10-01 0 days 1,440 sqft
    2020-11-01 0 days 1,431 sqft
    2020-12-01 0 days 1,435 sqft
    2021-01-01 0 days 1,435 sqft
    2021-02-01 0 days 1,414 sqft
    2021-03-01 0 days 1,431 sqft
    2021-04-01 0 days 1,632 sqft
    2021-05-01 0 days 1,700 sqft
    2021-06-01 0 days 1,642 sqft
    2021-07-01 0 days 1,464 sqft
    2021-08-01 0 days 1,450 sqft
    2021-09-01 0 days 1,319 sqft
    2021-10-01 0 days 1,352 sqft
    2021-11-01 0 days 1,338 sqft
    2021-12-01 0 days 1,388 sqft
    2022-01-01 0 days 1,586 sqft
    2022-02-01 0 days 1,410 sqft
    2022-03-01 0 days 1,410 sqft
    2022-04-01 0 days 1,228 sqft
    2022-05-01 0 days 1,690 sqft
    2022-06-01 0 days 1,729 sqft
    2022-07-01 0 days 1,632 sqft
    2022-08-01 0 days 1,461 sqft
    2022-09-01 0 days 1,382 sqft
    2022-10-01 0 days 1,428 sqft
    2022-11-01 0 days 1,476 sqft
    2022-12-01 0 days 1,487 sqft
    2023-01-01 0 days 1,413 sqft
    2023-02-01 0 days 1,403 sqft
    2023-03-01 0 days 1,436 sqft
    2023-04-01 0 days 1,480 sqft
    2023-05-01 0 days 1,544 sqft
    2023-06-01 0 days 1,679 sqft
    2023-07-01 0 days 1,720 sqft
    2023-08-01 0 days 1,608 sqft
    2023-09-01 0 days 1,511 sqft
    2023-10-01 0 days 1,351 sqft
    2023-11-01 0 days 1,359 sqft
    2023-12-01 0 days 1,411 sqft
    2024-01-01 0 days 1,403 sqft
    2024-02-01 0 days 1,376 sqft
    2024-03-01 0 days 1,248 sqft
    2024-04-01 0 days 1,356 sqft
    2024-05-01 0 days 1,372 sqft
    2024-06-01 0 days 1,420 sqft
    2024-07-01 0 days 1,413 sqft
    2024-08-01 0 days 1,377 sqft
    2024-09-01 0 days 1,390 sqft
    2024-10-01 0 days 1,474 sqft
    2024-11-01 0 days 1,426 sqft
    2024-12-01 0 days 1,394 sqft
    2025-01-01 0 days 1,371 sqft
    2025-02-01 0 days 1,396 sqft
    2025-03-01 0 days 1,380 sqft
    Scottsbluff's median listing age (time on market) for 2025-03-01 was 0 days.

    Scottsbluff's median square footage for active listings during the 2025-03-01 period was 1,380 sqft. One year prior, the average listing was 1,248 sqft.

    Scottsbluff, NE Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 173 $33,005,000 $190,780
    Cash Out Refi 59 $8,035,000 $136,186
    Refi 38 $7,180,000 $188,947
    Other 34 $2,130,000 $62,647
    Home Improvement 27 $2,095,000 $77,593

    Scottsbluff's most frequently cited loan purpose was Home Purchase, with 173 originations. The 2nd most popular reason was Cash Out Refi, with 59 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 137 $26,245,000 $191,569
    7-8% 76 $12,110,000 $159,342
    Over 8% 70 $5,400,000 $77,143
    5-6% 42 $7,780,000 $185,238
    <2.5% 1 $5,000 $5,000
    3-4% 1 $95,000 $95,000

    During 2024, Scottsbluff's most frequently originated rate bucket was 6-7%, with 137 originations.

    Loan Sizing (Scottsbluff, NE MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 126 $18,810,000 $149,286
    $100,000 or less 112 $6,110,000 $54,554
    $200k-400k 84 $22,880,000 $272,381
    $400k-600k 7 $3,265,000 $466,429
    $600k-1000k 2 $1,380,000 $690,000

    Scottsbluff's loan sizing saw the bucket of loans from $100k-200k with 126 originations, totaling $18,810,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 137 $27,815,000 $203,029
    60-80% 71 $12,645,000 $178,099
    Under 20% 37 $1,545,000 $41,757
    20-40% 35 $2,215,000 $63,286
    40-60% 27 $4,145,000 $153,519
    Over 100% 4 $960,000 $240,000

    Scottsbluff's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 137 originations, totaling $27,815,000 in origination value.