Atchison Mortgage Rates
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% |
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.).
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. LouisDate | 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 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. LouisDate | 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 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.