Atchison Mortgage Rates

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

30 Year Fixed Rate mortgages in Atchison averaged 6.2% 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 6.21% and one month ago for the week of 2022-05-26, the average rate was 5.5%.

Atchison's average rate one year ago was 3.25%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.89%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Atchison 30 Year Fixed Rate 2022-06-30 6.2%
Atchison 30 Year Fixed Rate Refi 2022-06-30 5.89%
Atchison 15 Year Fixed Rate 2022-06-30 5.36%
Atchison 15 Year Fixed Rate Refi 2022-06-30 5.21%
Atchison 30 Year FHA 2022-06-30 5.92%
Atchison 30 Year FHA Refi 2022-06-30 6.19%
Atchison 30 Year USDA 2022-06-30 5.78%
Atchison 30 Year VA 2022-06-30 5.65%
Atchison 30 Year VA Refi 2022-06-30 5.32%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Atchison, KS.

Atchison 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 Atchison, KS 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 35 3.06% $4,053
PRIMELENDING, A PLAINSCAPITAL COMPANY 16 3.64% $2,575
UNION HOME MORTGAGE CORP. 5 3.50% $3,705
Wells Fargo Bank 4 3.41% $1,501
ENDEAVOR CAPITAL, LLC. 4 3.41% $2,802
U.S. Bank 4 3.31% $2,024
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 3.71% $2,702
CALIBER HOME LOANS, INC. 3 2.93% $1,738
COMMUNITYAMERICA 3 2.96% $2,133
GUARANTEED RATE, INC. 2 3.06% $2,603
HOME POINT FINANCIAL CORPORATION 2 3.12% $2,865
FINANCE OF AMERICA MORTGAGE LLC 2 3.12% $1,634
FLAT BRANCH MORTGAGE, INC. 2 3.31% $2,420
Mortgage Investment Services Corporation 2 3.44% $3,315
LOANDEPOT.COM, LLC 1 2.63% $6,584
Manufacturers and Traders Trust Company 1 3.13% $4,554
Mortgage Research Center, LLC 1 3.38% $1,038
Northpointe Bank 1 3.25% $4,456
OPEN MORTGAGE, LLC 1 3.25% $3,380
PENTAGON FEDERAL CREDIT UNION 1 2.88% $510
Pinnacle Bank 1 2.88% $2,568
Plains Commerce Bank 1 3.38% $2,495
ROYAL UNITED MORTGAGE LLC 1 3.25% $6,497
Truity Federal Credit Union 1 2.63% $2,290
UMB Bank 1 3.25% $1,087
UNITED WHOLESALE MORTGAGE, LLC 1 3.38% $2,231
JLB CORPORATION 1 3.88% $2,753
Azura Credit Union 1 3.13% $1,831
BETTER MORTGAGE CORPORATION 1 3.13% $3,257
BMO Harris Bank 1 3.00% $3,332
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.63% $4,935
CELEBRITY HOME LOANS, LLC 1 3.38% $3,823
COMMUNITY MORTGAGE, LLC 1 2.63% $2,294
Farm Credit Mid-America, ACA 1 3.25% $7,460
First National Bank of Omaha 1 2.75% $1,986
FIRST STATE MORTGAGE SERVICES, LLC 1 3.12% $1,192
FREEDOM MORTGAGE CORPORATION 1 3.00% $1,311
GENEVA FINANCIAL, LLC 1 3.38% $2,935
AMERISAVE MORTGAGE CORPORATION 1 2.75% $1,562
Landmark National Bank 1 3.00% $1,867

Atchison, KS's 40 lenders originated 446 loans during 2021. The total origination value was $64,270,000, with an average loan value of $144,103.

The top Atchison lender as defined by loan originations is QUICKEN LOANS, LLC, with 35 loans originated. Their average total fees are $4,053, which is $1,479 higher than the next largest lender, PRIMELENDING, A PLAINSCAPITAL COMPANY.

The lowest fee Atchison lenders (with over 10 loans originated) are PRIMELENDING, A PLAINSCAPITAL COMPANY ($2,575), QUICKEN LOANS, LLC ($4,053), .

The lowest rate Atchison lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (3.06%), PRIMELENDING, A PLAINSCAPITAL COMPANY (3.64%), .

Atchison, KS 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 $8,955,000 $14,500,000 61.9% 22.6%
The Union State Bank of Everest $10,180,000 $10,655,000 4.7% 16.6%
Exchange Bank & Trust $6,035,000 $4,700,000 -22.1% 7.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,435,000 $4,160,000 21.1% 6.5%
FREEDOM MORTGAGE CORPORATION $1,685,000 $1,955,000 16.0% 3.0%
Mortgage Research Center, LLC $330,000 $1,835,000 456.1% 2.9%
GNBank $1,625,000 n/a 2.5%
Wells Fargo Bank $185,000 $1,615,000 773.0% 2.5%
UNION HOME MORTGAGE CORP. $850,000 $1,495,000 75.9% 2.3%
UMB Bank $565,000 $1,030,000 82.3% 1.6%
COMMUNITYAMERICA $180,000 $1,025,000 469.4% 1.6%
CALIBER HOME LOANS, INC. $250,000 $995,000 298.0% 1.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $595,000 $855,000 43.7% 1.3%
ENDEAVOR CAPITAL, LLC. $935,000 $805,000 -13.9% 1.3%
U.S. Bank $200,000 $795,000 297.5% 1.2%
HOME POINT FINANCIAL CORPORATION $175,000 $675,000 285.7% 1.1%
Mortgage Investment Services Corporation $1,195,000 $640,000 -46.4% 1.0%
GUARANTEED RATE, INC. $765,000 $630,000 -17.6% 1.0%
FINANCE OF AMERICA MORTGAGE LLC $605,000 n/a 0.9%
Farm Credit Mid-America, ACA $1,315,000 $560,000 -57.4% 0.9%
SENTE MORTGAGE, INC. $1,090,000 $515,000 -52.8% 0.8%
BOKF $700,000 $470,000 -32.9% 0.7%
NBH Bank $340,000 $460,000 35.3% 0.7%
BAY EQUITY LLC $240,000 $435,000 81.3% 0.7%
NEWREZ LLC $210,000 $420,000 100.0% 0.7%
LOANDEPOT.COM, LLC $530,000 $415,000 -21.7% 0.6%
Arvest Bank $130,000 $390,000 200.0% 0.6%
AMERISAVE MORTGAGE CORPORATION $275,000 $380,000 38.2% 0.6%
FLAT BRANCH MORTGAGE, INC. $170,000 $370,000 117.6% 0.6%
GUILD MORTGAGE COMPANY $235,000 $365,000 55.3% 0.6%
Commerce Bank $240,000 $350,000 45.8% 0.5%
BMO Harris Bank $320,000 n/a 0.5%
Truity Federal Credit Union $305,000 n/a 0.5%
OPEN MORTGAGE, LLC $285,000 n/a 0.4%
Bank of Blue Valley $280,000 n/a 0.4%
NEW DAY FINANCIAL, LLC $75,000 $275,000 266.7% 0.4%
North American Savings Bank, F.S.B. $145,000 $255,000 75.9% 0.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $225,000 $245,000 8.9% 0.4%
FRONTIER COMMUNITY CREDIT UNION $525,000 $240,000 -54.3% 0.4%
FIRST STATE MORTGAGE SERVICES, LLC $235,000 n/a 0.4%
COMMUNITY MORTGAGE, LLC $345,000 $225,000 -34.8% 0.4%
CELEBRITY HOME LOANS, LLC $215,000 n/a 0.3%
Citizens Savings and Loan Association, FSB $285,000 $205,000 -28.1% 0.3%
Colonial Savings, F.A. $135,000 $205,000 51.9% 0.3%
JLB CORPORATION $415,000 $200,000 -51.8% 0.3%
LAKEVIEW LOAN SERVICING, LLC $245,000 $195,000 -20.4% 0.3%
ROYAL UNITED MORTGAGE LLC $65,000 $190,000 192.3% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $300,000 $180,000 -40.0% 0.3%
Manufacturers and Traders Trust Company $175,000 n/a 0.3%
NAVY FEDERAL CREDIT UNION $465,000 $175,000 -62.4% 0.3%
Northpointe Bank $175,000 n/a 0.3%
Landmark National Bank $145,000 $160,000 10.3% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $600,000 $155,000 -74.2% 0.2%
First Federal Bank $515,000 $155,000 -69.9% 0.2%
First State Bank of St. Charles, Missouri $95,000 $155,000 63.2% 0.2%
Prosperity Home Mortgage, LLC $105,000 $155,000 47.6% 0.2%
RESIDENTIAL BANCORP. $155,000 n/a 0.2%
The Federal Savings Bank $155,000 n/a 0.2%
JPMorgan Chase Bank $150,000 n/a 0.2%
Capitol Federal Savings Bank $290,000 $145,000 -50.0% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $185,000 $145,000 -21.6% 0.2%
Country Club Bank $145,000 n/a 0.2%
Mid-America Bank $135,000 n/a 0.2%
First National Bank of Omaha $275,000 $125,000 -54.5% 0.2%
GENEVA FINANCIAL, LLC $125,000 n/a 0.2%
PENTAGON FEDERAL CREDIT UNION $165,000 $125,000 -24.2% 0.2%
THE MONEY SOURCE INC. $125,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $115,000 $115,000 0.0% 0.2%
CHURCHILL MORTGAGE CORPORATION $340,000 $115,000 -66.2% 0.2%
LEADERONE FINANCIAL CORPORATION $320,000 $115,000 -64.1% 0.2%
Pinnacle Bank $115,000 n/a 0.2%
UNITED WHOLESALE MORTGAGE, LLC $540,000 $115,000 -78.7% 0.2%
Azura Credit Union $210,000 $105,000 -50.0% 0.2%
Carrington Mortgage Services, LLC $305,000 $105,000 -65.6% 0.2%
Flagstar Bank, FSB $105,000 n/a 0.2%
Plains Commerce Bank $105,000 n/a 0.2%
SUN WEST MORTGAGE COMPANY, INC. $105,000 n/a 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $95,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $95,000 n/a 0.1%
MOVEMENT MORTGAGE, LLC $315,000 $95,000 -69.8% 0.1%
CONSTRUCTIVE LOANS, LLC $85,000 n/a 0.1%
HEARTLAND CREDIT UNION $65,000 n/a 0.1%
Security Bank of Kansas City $65,000 n/a 0.1%
FOUR POINTS $55,000 n/a 0.1%

Atchison's top lender by overall market share is QUICKEN LOANS, LLC, with 22.6% market share. In second place, with 16.6%, is The Union State Bank of Everest, having originated $10,655,000 in loans. In third place, with 7.3%, is Exchange Bank & Trust, having originated $4,700,000 in loans. In third place, with 6.5%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $4,160,000 in loans. In third place, with 3.0%, is FREEDOM MORTGAGE CORPORATION, having originated $1,955,000 in loans.


Atchison, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 183 $24,355,000 $133,087
Refi 161 $25,135,000 $156,118
Cash Out Refi 75 $11,565,000 $154,200
Other 16 $980,000 $61,250
Home Improvement 11 $2,235,000 $203,182

Atchison's most frequently cited loan purpose was Home Purchase, with 183 originations. The 2nd most popular reason was Refi, with 161 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 127 $18,575,000 $146,260
2.5-3% 110 $19,290,000 $175,364
<2.5% 49 $7,955,000 $162,347
4-5% 11 $765,000 $69,545
5-6% 2 $150,000 $75,000
7-8% 1 $85,000 $85,000

During 2021, Atchison's most frequently originated rate bucket was 3-4%, with 127 originations.

Loan Sizing (Atchison, KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 185 $26,045,000 $140,784
$100,000 or less 169 $10,445,000 $61,805
$200k-400k 81 $21,355,000 $263,642
$400k-600k 10 $4,850,000 $485,000
$Over $1MM 1 $1,575,000 $1,575,000

Atchison's loan sizing saw the bucket of loans from $100k-200k with 185 originations, totaling $26,045,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 141 $23,175,000 $164,362
60-80% 97 $15,895,000 $163,866
40-60% 30 $3,970,000 $132,333
Over 100% 6 $940,000 $156,667
20-40% 5 $385,000 $77,000
Under 20% 5 $175,000 $35,000

Atchison's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 141 originations, totaling $23,175,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Atchison (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 $82,500 (0.7%) $103,526 (8.4%) 0.00 61
2018-02-01 $81,450 (-18.1%) $109,245 (5.9%) 0.00 58
2018-03-01 $78,500 (-21.3%) $98,916 (-4.0%) 0.00 64
2018-04-01 $84,450 (-15.1%) $110,636 (8.4%) 0.00 71
2018-05-01 $89,000 (-10.6%) $120,925 (16.8%) 0.00 63
2018-06-01 $92,000 (2.2%) $115,921 (6.8%) 0.00 69
2018-07-01 $92,750 (-6.8%) $117,123 (4.9%) 0.00 72
2018-08-01 $96,000 (1.1%) $127,495 (14.7%) 0.00 68
2018-09-01 $109,000 (14.9%) $134,098 (20.2%) 0.00 59
2018-10-01 $104,500 (26.3%) $131,312 (24.6%) 0.00 57
2018-11-01 $89,450 (16.9%) $130,625 (24.9%) 0.00 54
2018-12-01 $88,900 (18.5%) $136,991 (41.8%) 0.00 46
2019-01-01 $88,150 (6.9%) $138,097 (33.4%) 0.00 41
2019-02-01 $69,950 (-14.1%) $122,138 (11.8%) 0.00 34
2019-03-01 $72,000 (-8.3%) $117,470 (18.8%) 0.00 36
2019-04-01 $77,000 (-8.8%) $117,168 (5.9%) 0.00 45
2019-05-01 $78,250 (-12.1%) $110,353 (-8.7%) 0.00 51
2019-06-01 $92,000 (0.0%) $113,764 (-1.9%) 0.00 47
2019-07-01 $93,250 (0.5%) $135,136 (15.4%) 0.00 37
2019-08-01 $88,429 (-7.9%) $133,987 (5.1%) 0.00 36
2019-09-01 $84,129 (-22.8%) $134,192 (0.1%) 0.00 37
2019-10-01 $91,950 (-12.0%) $158,393 (20.6%) 0.00 35
2019-11-01 $72,000 (-19.5%) $135,064 (3.4%) 0.00 35
2019-12-01 $78,300 (-11.9%) $139,721 (2.0%) 0.00 35
2020-01-01 $73,500 (-16.6%) $133,092 (-3.6%) 0.00 33
2020-02-01 $89,900 (28.5%) $138,768 (13.6%) 0.00 33
2020-03-01 $77,500 (7.6%) $128,052 (9.0%) 0.00 33
2020-04-01 $83,000 (7.8%) $132,389 (13.0%) 0.00 31
2020-05-01 $115,000 (47.0%) $148,640 (34.7%) 0.00 36
2020-06-01 $124,750 (35.6%) $150,388 (32.2%) 0.00 35
2020-07-01 $119,500 (28.2%) $139,343 (3.1%) 0.00 36
2020-08-01 $115,000 (30.1%) $144,300 (7.7%) 0.00 24
2020-09-01 $130,000 (54.5%) $171,110 (27.5%) 0.00 21
2020-10-01 $120,000 (30.5%) $170,129 (7.4%) 0.00 19
2020-11-01 $114,950 (59.7%) $171,143 (26.7%) 0.00 26
2020-12-01 $114,950 (46.8%) $166,260 (19.0%) 0.00 28
2021-01-01 $99,900 (35.9%) $160,976 (21.0%) 0.00 22
2021-02-01 $101,500 (12.9%) $162,564 (17.2%) 0.00 15
2021-03-01 $105,500 (36.1%) $131,210 (2.5%) 0.00 15
2021-04-01 $89,450 (7.8%) $163,019 (23.1%) 0.00 11
2021-05-01 $125,000 (8.7%) $179,708 (20.9%) 0.00 14
2021-06-01 $140,000 (12.2%) $183,741 (22.2%) 0.00 23
2021-07-01 $143,750 (20.3%) $223,315 (60.3%) 0.00 25
2021-08-01 $127,199 (10.6%) $198,974 (37.9%) 0.00 31
2021-09-01 $129,700 (-0.2%) $227,878 (33.2%) 0.00 31
2021-10-01 $119,900 (-0.1%) $209,951 (23.4%) 0.00 27
2021-11-01 $99,750 (-13.2%) $200,790 (17.3%) 0.00 24
2021-12-01 $99,950 (-13.1%) $165,833 (-0.3%) 0.00 23
2022-01-01 $90,000 (-9.9%) $158,385 (-1.6%) 0.00 20
2022-02-01 $95,000 (-6.4%) $148,875 (-8.4%) 0.00 18
2022-03-01 $97,500 (-7.6%) $159,030 (21.2%) 0.00 19
2022-04-01 $124,500 (39.2%) $141,191 (-13.4%) 0.00 15
2022-05-01 $131,700 (5.4%) $171,282 (-4.7%) 0.00 15
2022-06-01 $132,000 (-5.7%) $189,246 (3.0%) 0.00 18
Atchison's median listing price for 2022-06-01 was $132,000, a difference of $-8,000 (-5.7%) versus the prior year and $300 versus the prior month.

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

Atchison's average listing price for 2022-06-01 was $189,246, a difference of $5,505 (3.0%) versus the prior year and $17,964 versus the prior month.

For the 2022-06-01 period, Atchison had 18 MLS listings, a difference of 3 listings (20%) versus the prior month and -5 listings (-22%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Atchison (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,519 sqft
2018-02-01 0 days 1,642 sqft
2018-03-01 0 days 1,600 sqft
2018-04-01 0 days 1,692 sqft
2018-05-01 0 days 1,757 sqft
2018-06-01 0 days 1,784 sqft
2018-07-01 0 days 1,953 sqft
2018-08-01 0 days 1,945 sqft
2018-09-01 0 days 1,988 sqft
2018-10-01 0 days 1,953 sqft
2018-11-01 0 days 1,953 sqft
2018-12-01 0 days 1,632 sqft
2019-01-01 0 days 1,632 sqft
2019-02-01 0 days 1,352 sqft
2019-03-01 0 days 1,381 sqft
2019-04-01 0 days 1,447 sqft
2019-05-01 0 days 1,420 sqft
2019-06-01 0 days 1,485 sqft
2019-07-01 0 days 1,582 sqft
2019-08-01 0 days 1,600 sqft
2019-09-01 0 days 1,597 sqft
2019-10-01 0 days 1,689 sqft
2019-11-01 0 days 1,600 sqft
2019-12-01 0 days 1,448 sqft
2020-01-01 0 days 1,291 sqft
2020-02-01 0 days 1,459 sqft
2020-03-01 0 days 1,469 sqft
2020-04-01 0 days 1,469 sqft
2020-05-01 0 days 1,624 sqft
2020-06-01 0 days 1,988 sqft
2020-07-01 0 days 1,959 sqft
2020-08-01 0 days 1,930 sqft
2020-09-01 0 days 2,049 sqft
2020-10-01 0 days 2,102 sqft
2020-11-01 0 days 1,873 sqft
2020-12-01 0 days 1,844 sqft
2021-01-01 0 days 1,850 sqft
2021-02-01 0 days 1,837 sqft
2021-03-01 0 days 1,837 sqft
2021-04-01 0 days 1,500 sqft
2021-05-01 0 days 1,551 sqft
2021-06-01 0 days 1,541 sqft
2021-07-01 0 days 1,977 sqft
2021-08-01 0 days 1,844 sqft
2021-09-01 0 days 2,005 sqft
2021-10-01 0 days 2,005 sqft
2021-11-01 0 days 1,581 sqft
2021-12-01 0 days 1,580 sqft
2022-01-01 0 days 1,643 sqft
2022-02-01 0 days 1,568 sqft
2022-03-01 0 days 1,485 sqft
2022-04-01 0 days 1,426 sqft
2022-05-01 0 days 1,174 sqft
2022-06-01 0 days 1,284 sqft
Atchison's median listing age (time on market) for 2022-06-01 was 0 days.

Atchison's median square footage for active listings during the 2022-06-01 period was 1,284 sqft. One year prior, the average listing was 1,541 sqft.