Scottsbluff 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 Scottsbluff averaged 6.93% 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 7.11% and one month ago for the week of 2024-03-14, the average rate was 6.57%.

    Scottsbluff's average rate one year ago was 6.4%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.7%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Scottsbluff 30 Year Fixed Rate 2024-04-18 6.93%
    Scottsbluff 30 Year Fixed Rate Refi 2024-04-18 7.7%
    Scottsbluff 15 Year Fixed Rate 2024-04-18 6.39%
    Scottsbluff 15 Year Fixed Rate Refi 2024-04-18 6.69%
    Scottsbluff 30 Year FHA 2024-04-18 6.96%
    Scottsbluff 30 Year FHA Refi 2024-04-18 6.76%
    Scottsbluff 30 Year USDA 2024-04-18 6.76%
    Scottsbluff 30 Year USDA Refi 2024-04-18 6.96%
    Scottsbluff 30 Year VA 2024-04-18 6.96%
    Scottsbluff 30 Year VA Refi 2024-04-18 6.96%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    First National Bank of Omaha 18 6.50% $3,463
    QUICKEN LOANS, LLC 17 6.90% $5,770
    CASTLE & COOKE MORTGAGE, LLC 14 6.96% $6,595
    Meridian Trust Federal Credit Union 5 6.63% $2,975
    U.S. Bank 4 6.41% $3,621
    Flagstar Bank, FSB 3 7.37% $6,693
    BROKER SOLUTIONS, INC. 3 6.79% $5,475
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.54% $3,327
    UNITED WHOLESALE MORTGAGE, LLC 3 7.29% $6,503
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 7.06% $7,108
    NAVY FEDERAL CREDIT UNION 2 7.00% $3,887
    Farm Credit Mid-America, ACA 2 6.81% $6,615
    Ixonia Bank 2 7.00% $5,425
    Wells Fargo Bank 2 7.31% $2,670
    West Gate Bank 2 7.25% $3,697
    Mr. Cooper ( Nationstar Mortgage ) 2 7.43% $4,939
    LAKEVIEW LOAN SERVICING, LLC 2 6.81% $5,337
    Pinnacle Bank - Wyoming 2 6.94% $1,780
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $7,368
    Bank of Colorado 1 6.88% $6,250
    Glacier Bank 1 6.75% $3,737
    GUILD MORTGAGE COMPANY 1 6.38% $2,185
    LOANDEPOT.COM, LLC 1 7.13% $5,121
    Mortgage Research Center, LLC 1 5.63% $3,164
    AMERICAN FINANCING CORPORATION 1 6.75% $4,366
    NBKC BANK 1 7.25% $3,016
    Plains Commerce Bank 1 7.38% $5,519
    PNC Bank 1 6.75% $4,040
    PREMIA MORTGAGE, LLC 1 5.99% $421
    Security First Bank 1 6.38% $2,922
    Servion, Inc. 1 6.63% $4,294
    Simmons Bank 1 7.00% $5,490
    USAA Federal Savings Bank 1 7.25% $3,386

    Scottsbluff Average Closing Costs & Other Stats

    Scottsbluff, NE's 33 lenders originated 293 loans during 2023. The total origination value was $41,495,000, with an average loan value of $141,621.

    Scottsbluff's average closing costs are $4,332.

    The top Scottsbluff lender as defined by loan originations is First National Bank of Omaha, with 18 loans originated. Their average total fees are $3,463, which is $2,307 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Scottsbluff lenders (with over 10 loans originated) are First National Bank of Omaha ($3,463), QUICKEN LOANS, LLC ($5,770), CASTLE & COOKE MORTGAGE, LLC ($6,595), .

    The lowest rate Scottsbluff lenders (with over 10 loans originated) are First National Bank of Omaha (6.50%), QUICKEN LOANS, LLC (6.90%), CASTLE & COOKE MORTGAGE, LLC (6.96%), .

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    QUICKEN LOANS, LLC $9,610,000 $6,550,000 -31.8% 15.8%
    First National Bank of Omaha $9,020,000 $5,920,000 -34.4% 14.3%
    CASTLE & COOKE MORTGAGE, LLC $2,875,000 $3,350,000 16.5% 8.1%
    Mortgage Research Center, LLC $1,730,000 $3,130,000 80.9% 7.5%
    Meridian Trust Federal Credit Union $5,520,000 $2,470,000 -55.3% 6.0%
    Farm Credit Mid-America, ACA $820,000 $2,165,000 164.0% 5.2%
    U.S. Bank $3,015,000 $1,740,000 -42.3% 4.2%
    NAVY FEDERAL CREDIT UNION $480,000 $1,735,000 261.5% 4.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $230,000 $920,000 300.0% 2.2%
    Flagstar Bank, FSB $1,230,000 $840,000 -31.7% 2.0%
    GUILD MORTGAGE COMPANY $270,000 $815,000 201.9% 2.0%
    USAA Federal Savings Bank $845,000 $615,000 -27.2% 1.5%
    FREEDOM MORTGAGE CORPORATION $1,210,000 $535,000 -55.8% 1.3%
    Wells Fargo Bank $2,135,000 $530,000 -75.2% 1.3%
    Mr. Cooper ( Nationstar Mortgage ) $580,000 $515,000 -11.2% 1.2%
    UNITED WHOLESALE MORTGAGE, LLC $1,390,000 $515,000 -62.9% 1.2%
    LAKEVIEW LOAN SERVICING, LLC $290,000 $495,000 70.7% 1.2%
    West Gate Bank $2,445,000 $450,000 -81.6% 1.1%
    BROKER SOLUTIONS, INC. $835,000 $430,000 -48.5% 1.0%
    Plains Commerce Bank $135,000 $420,000 211.1% 1.0%
    Ixonia Bank $380,000 n/a 0.9%
    NBKC BANK $365,000 n/a 0.9%
    The Federal Savings Bank $235,000 $365,000 55.3% 0.9%
    AMERICAN FINANCING CORPORATION $620,000 $360,000 -41.9% 0.9%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $145,000 $340,000 134.5% 0.8%
    VILLAGE CAPITAL MORTGAGE $115,000 $305,000 165.2% 0.7%
    Discover Bank $35,000 $300,000 757.1% 0.7%
    CHURCHILL MORTGAGE CORPORATION $220,000 $275,000 25.0% 0.7%
    Carrington Mortgage Services, LLC $225,000 $265,000 17.8% 0.6%
    Magnolia Bank $255,000 n/a 0.6%
    PREMIA MORTGAGE, LLC $255,000 n/a 0.6%
    Pinnacle Bank - Wyoming $1,485,000 $245,000 -83.5% 0.6%
    PNC Bank $245,000 n/a 0.6%
    Waterstone Mortgage Corporation $245,000 n/a 0.6%
    Bank of Colorado $215,000 n/a 0.5%
    NEW DAY FINANCIAL, LLC $845,000 $195,000 -76.9% 0.5%
    First Interstate Bank $890,000 $190,000 -78.7% 0.5%
    AMERISAVE MORTGAGE CORPORATION $260,000 $185,000 -28.8% 0.4%
    Security First Bank $25,000 $185,000 640.0% 0.4%
    Central National Bank $165,000 n/a 0.4%
    Glacier Bank $160,000 $155,000 -3.1% 0.4%
    Independent Bank $155,000 n/a 0.4%
    Coastal Community Bank $150,000 n/a 0.4%
    Pinnacle Bank $835,000 $150,000 -82.0% 0.4%
    CARDINAL FINANCIAL $135,000 n/a 0.3%
    Servion, Inc. $135,000 n/a 0.3%
    Simmons Bank $135,000 n/a 0.3%
    Barrington Bank & Trust Company, N.A. $125,000 $115,000 -8.0% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $220,000 $105,000 -52.3% 0.3%
    TRIAD FINANCIAL SERVICES, INC. $115,000 $95,000 -17.4% 0.2%
    Platte Valley Bank $1,485,000 $90,000 -93.9% 0.2%
    LOANDEPOT.COM, LLC $1,395,000 $85,000 -93.9% 0.2%
    Adams Bank & Trust $65,000 n/a 0.2%
    Equitable Bank $65,000 n/a 0.2%
    Figure Lending LLC $115,000 $60,000 -47.8% 0.1%
    CRESCENT MORTGAGE COMPANY $55,000 n/a 0.1%
    GEORGIA'S OWN $55,000 n/a 0.1%
    Deere Employees Credit Union $500,000 $35,000 -93.0% 0.1%
    Five Points Bank $125,000 $25,000 -80.0% 0.1%

    Scottsbluff's top lender by overall market share is QUICKEN LOANS, LLC, with 15.8% market share. In second place, with 14.3%, is First National Bank of Omaha, having originated $5,920,000 in loans. In third place, with 8.1%, is CASTLE & COOKE MORTGAGE, LLC, having originated $3,350,000 in loans. In fourth place, with 7.5%, is Mortgage Research Center, LLC, having originated $3,130,000 in loans. In fifth place, with 6.0%, is Meridian Trust Federal Credit Union, having originated $2,470,000 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 (14.7%) $184,083 (-5.7%) 0.00 125
    2018-04-01 $169,000 (15.0%) $194,200 (0.5%) 0.00 132
    2018-05-01 $175,575 (17.5%) $208,969 (8.9%) 0.00 155
    2018-06-01 $169,900 (3.0%) $209,665 (1.6%) 0.00 164
    2018-07-01 $169,900 (6.2%) $209,092 (3.6%) 0.00 171
    2018-08-01 $166,475 (-2.4%) $205,861 (-0.3%) 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%) $241,686 (31.3%) 0.00 139
    2019-04-01 $199,736 (18.2%) $248,798 (28.1%) 0.00 140
    2019-05-01 $200,950 (14.5%) $248,722 (19.0%) 0.00 154
    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 $179,825 (9.9%) $218,402 (0.2%) 0.00 126
    2020-02-01 $190,000 (15.7%) $218,507 (-5.9%) 0.00 122
    2020-03-01 $195,000 (6.4%) $218,159 (-9.7%) 0.00 122
    2020-04-01 $196,000 (-1.9%) $213,863 (-14.0%) 0.00 121
    2020-05-01 $199,000 (-1.0%) $226,704 (-8.9%) 0.00 123
    2020-06-01 $195,000 (11.5%) $231,585 (0.2%) 0.00 118
    2020-07-01 $189,475 (9.6%) $231,900 (0.6%) 0.00 104
    2020-08-01 $195,000 (2.6%) $251,275 (7.8%) 0.00 91
    2020-09-01 $210,825 (16.0%) $255,731 (11.0%) 0.00 72
    2020-10-01 $181,000 (5.5%) $254,942 (14.3%) 0.00 63
    2020-11-01 $169,975 (-1.8%) $228,314 (2.9%) 0.00 67
    2020-12-01 $162,600 (-9.5%) $222,454 (0.3%) 0.00 64
    2021-01-01 $161,200 (-10.4%) $209,024 (-4.3%) 0.00 57
    2021-02-01 $164,900 (-13.2%) $222,278 (1.7%) 0.00 57
    2021-03-01 $194,825 (-0.1%) $244,717 (12.2%) 0.00 53
    2021-04-01 $203,350 (3.8%) $248,018 (16.0%) 0.00 53
    2021-05-01 $237,000 (19.1%) $296,748 (30.9%) 0.00 39
    2021-06-01 $259,900 (33.3%) $307,512 (32.8%) 0.00 38
    2021-07-01 $194,500 (2.7%) $254,979 (10.0%) 0.00 49
    2021-08-01 $205,125 (5.2%) $254,225 (1.2%) 0.00 63
    2021-09-01 $172,250 (-18.3%) $287,099 (12.3%) 0.00 70
    2021-10-01 $197,500 (9.1%) $529,939 (107.9%) 0.00 56
    2021-11-01 $187,000 (10.0%) $514,342 (125.3%) 0.00 62
    2021-12-01 $180,000 (10.7%) $551,358 (147.9%) 0.00 60
    2022-01-01 $207,450 (28.7%) $563,352 (169.5%) 0.00 51
    2022-02-01 $216,250 (31.1%) $394,254 (77.4%) 0.00 40
    2022-03-01 $250,500 (28.6%) $390,298 (59.5%) 0.00 41
    2022-04-01 $245,000 (20.5%) $371,467 (49.8%) 0.00 44
    2022-05-01 $255,000 (7.6%) $418,476 (41.0%) 0.00 49
    2022-06-01 $258,500 (-0.5%) $428,863 (39.5%) 0.00 51
    2022-07-01 $245,000 (26.0%) $417,602 (63.8%) 0.00 54
    2022-08-01 $232,500 (13.4%) $395,439 (55.6%) 0.00 60
    2022-09-01 $226,438 (31.5%) $374,080 (30.3%) 0.00 63
    2022-10-01 $225,000 (13.9%) $369,243 (-30.3%) 0.00 64
    2022-11-01 $219,000 (17.1%) $344,910 (-32.9%) 0.00 59
    2022-12-01 $202,000 (12.2%) $309,616 (-43.8%) 0.00 64
    2023-01-01 $215,000 (3.6%) $299,952 (-46.8%) 0.00 75
    2023-02-01 $236,000 (9.1%) $314,028 (-20.4%) 0.00 74
    2023-03-01 $250,000 (-0.2%) $368,692 (-5.5%) 0.00 69
    2023-04-01 $254,950 (4.1%) $362,710 (-2.4%) 0.00 64
    2023-05-01 $263,725 (3.4%) $388,294 (-7.2%) 0.00 61
    2023-06-01 $280,000 (8.3%) $424,810 (-1.0%) 0.00 69
    2023-07-01 $282,000 (15.1%) $438,589 (5.0%) 0.00 82
    2023-08-01 $276,500 (18.9%) $421,457 (6.6%) 0.00 93
    2023-09-01 $275,000 (21.5%) $393,703 (5.3%) 0.00 75
    2023-10-01 $232,450 (3.3%) $363,328 (-1.6%) 0.00 71
    2023-11-01 $257,200 (17.4%) $399,999 (16.0%) 0.00 78
    2023-12-01 $260,499 (29.0%) $379,297 (22.5%) 0.00 92
    2024-01-01 $229,500 (6.7%) $365,400 (21.8%) 0.00 96
    2024-02-01 $230,750 (-2.2%) $357,981 (14.0%) 0.00 99
    2024-03-01 $227,000 (-9.2%) $357,514 (-3.0%) 0.00 99
    Scottsbluff's median listing price for 2024-03-01 was $227,000, a difference of $-23,000 (-9.2%) versus the prior year and $-3,750 versus the prior month.

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

    Scottsbluff's average listing price for 2024-03-01 was $357,514, a difference of $-11,178 (-3.0%) versus the prior year and $-467 versus the prior month.

    For the 2024-03-01 period, Scottsbluff had 99 MLS listings, a difference of 0 listings (0%) versus the prior month and 30 listings (43%) 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 1,389 sqft
    2019-04-01 0 days 1,389 sqft
    2019-05-01 0 days 1,438 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 1,367 sqft
    2020-02-01 0 days 1,396 sqft
    2020-03-01 0 days 1,360 sqft
    2020-04-01 0 days 1,383 sqft
    2020-05-01 0 days 1,468 sqft
    2020-06-01 0 days 1,441 sqft
    2020-07-01 0 days 1,390 sqft
    2020-08-01 0 days 1,511 sqft
    2020-09-01 0 days 1,532 sqft
    2020-10-01 0 days 1,435 sqft
    2020-11-01 0 days 1,430 sqft
    2020-12-01 0 days 1,433 sqft
    2021-01-01 0 days 1,432 sqft
    2021-02-01 0 days 1,393 sqft
    2021-03-01 0 days 1,425 sqft
    2021-04-01 0 days 1,575 sqft
    2021-05-01 0 days 1,692 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 1,326 sqft
    2021-10-01 0 days 1,376 sqft
    2021-11-01 0 days 1,357 sqft
    2021-12-01 0 days 1,420 sqft
    2022-01-01 0 days 1,591 sqft
    2022-02-01 0 days 1,420 sqft
    2022-03-01 0 days 1,440 sqft
    2022-04-01 0 days 1,271 sqft
    2022-05-01 0 days 1,724 sqft
    2022-06-01 0 days 1,746 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 1,416 sqft
    2022-11-01 0 days 1,466 sqft
    2022-12-01 0 days 1,494 sqft
    2023-01-01 0 days 1,420 sqft
    2023-02-01 0 days 1,387 sqft
    2023-03-01 0 days 1,412 sqft
    2023-04-01 0 days 1,447 sqft
    2023-05-01 0 days 1,526 sqft
    2023-06-01 0 days 1,633 sqft
    2023-07-01 0 days 1,703 sqft
    2023-08-01 0 days 1,616 sqft
    2023-09-01 0 days 1,532 sqft
    2023-10-01 0 days 1,356 sqft
    2023-11-01 0 days 1,373 sqft
    2023-12-01 0 days 1,411 sqft
    2024-01-01 0 days 1,411 sqft
    2024-02-01 0 days 1,382 sqft
    2024-03-01 0 days 1,253 sqft
    Scottsbluff's median listing age (time on market) for 2024-03-01 was 0 days.

    Scottsbluff's median square footage for active listings during the 2024-03-01 period was 1,253 sqft. One year prior, the average listing was 1,412 sqft.

    Scottsbluff, NE Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 173 $30,235,000 $174,769
    Cash Out Refi 52 $6,900,000 $132,692
    Other 46 $2,450,000 $53,261
    Refi 12 $1,380,000 $115,000
    Home Improvement 9 $505,000 $56,111
    NA 1 $25,000 $25,000

    Scottsbluff's most frequently cited loan purpose was Home Purchase, with 173 originations. The 2nd most popular reason was Cash Out Refi, with 52 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 118 $21,500,000 $182,203
    7-8% 72 $9,650,000 $134,028
    5-6% 49 $7,375,000 $150,510
    Over 8% 37 $2,295,000 $62,027
    <2.5% 8 $40,000 $5,000
    4-5% 5 $425,000 $85,000

    During 2023, Scottsbluff's most frequently originated rate bucket was 6-7%, with 118 originations.

    Loan Sizing (Scottsbluff, NE MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 118 $17,510,000 $148,390
    $100,000 or less 115 $5,985,000 $52,043
    $200k-400k 55 $14,425,000 $262,273
    $400k-600k 4 $1,950,000 $487,500
    $Over $1MM 1 $1,625,000 $1,625,000

    Scottsbluff's loan sizing saw the bucket of loans from $100k-200k with 118 originations, totaling $17,510,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 133 $24,995,000 $187,932
    60-80% 51 $9,125,000 $178,922
    Under 20% 41 $1,395,000 $34,024
    40-60% 30 $2,900,000 $96,667
    20-40% 26 $1,750,000 $67,308
    Over 100% 4 $1,040,000 $260,000

    Scottsbluff's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 133 originations, totaling $24,995,000 in origination value.