Atchison Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Atchison averaged 6.7% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

The average rate for the prior week (2024-12-05) was 6.79% and one month ago for the week of 2024-11-07, the average rate was 6.89%.

Atchison's average rate one year ago was 7.23%.

For refis of the same type during the week of 2024-12-12, the average rate was 6.6%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-12-12 6.6%
Atchison 30 Year Fixed Rate 2024-12-12 6.7%
Atchison 30 Year Fixed Rate Refi 2024-12-12 6.6%
Atchison 15 Year Fixed Rate 2024-12-12 5.94%
Atchison 15 Year Fixed Rate Refi 2024-12-12 6.04%
Atchison 30 Year FHA 2024-12-12 6.08%
Atchison 30 Year FHA Refi 2024-12-12 6.38%
Atchison 30 Year USDA 2024-12-12 6.4%
Atchison 30 Year USDA Refi 2024-12-12 6.3%
Atchison 30 Year VA 2024-12-12 5.88%
Atchison 30 Year VA Refi 2024-12-12 6.08%
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 lender, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
ENDEAVOR CAPITAL, LLC. 7 6.59% $3,185
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 7.34% $4,155
QUICKEN LOANS, LLC 6 6.81% $4,057
CROSSCOUNTRY MORTGAGE, LLC 4 6.97% $5,190
U.S. Bank 4 6.94% $2,304
CALIBER HOME LOANS, INC. 2 7.00% $3,928
Wells Fargo Bank 2 6.63% $5,127
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.81% $2,397
LOANDEPOT.COM, LLC 2 6.81% $5,961
Farm Credit Mid-America, ACA 2 6.94% $8,204
UNITED WHOLESALE MORTGAGE, LLC 2 6.95% $5,098
Mr. Cooper ( Nationstar Mortgage ) 1 6.49% $9,141
PENNYMAC LOAN SERVICES, LLC 1 7.00% $3,594
PHH Mortgage Corporation 1 7.50% $7,095
PNC Bank 1 6.25% $2,504
Regions Bank 1 7.63% $4,927
The Central Trust Bank 1 6.75% $2,151
LEADERONE FINANCIAL CORPORATION 1 6.50% $3,657
Arvest Bank 1 6.25% $7,435
Bell Bank 1 6.25% $4,173
Capitol Federal Savings Bank 1 6.00% $2,282
Emprise Bank 1 6.75% $2,075
Enterprise Bank & Trust 1 6.88% $1,573
GUILD MORTGAGE COMPANY 1 7.13% $2,181
JPMorgan Chase Bank 1 7.75% $2,466
Landmark National Bank 1 5.75% $2,217
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.50% $2,340
Mortgage Research Center, LLC 1 6.25% $1,783

Atchison Average Closing Costs & Other Stats

Atchison, KS's 28 lenders originated 263 loans during 2023. The total origination value was $36,285,000, with an average loan value of $137,966.

Atchison's average closing costs are $4,077.

The top Atchison lender as defined by loan originations is ENDEAVOR CAPITAL, LLC., with 7 loans originated. Their average total fees are $3,185, which is $970 lower than the next largest lender, PRIMELENDING, A PLAINSCAPITAL COMPANY.

The lowest fee Atchison lenders (with over 10 loans originated) are .

The lowest rate Atchison lenders (with over 10 loans originated) are .

Atchison, KS 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
The Union State Bank of Everest $7,290,000 $6,870,000 -5.8% 18.9%
Exchange Bank & Trust $5,105,000 $3,640,000 -28.7% 10.0%
QUICKEN LOANS, LLC $5,225,000 $2,920,000 -44.1% 8.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $4,440,000 $1,820,000 -59.0% 5.0%
ENDEAVOR CAPITAL, LLC. $475,000 $1,795,000 277.9% 4.9%
Mortgage Research Center, LLC $1,125,000 $1,445,000 28.4% 4.0%
CROSSCOUNTRY MORTGAGE, LLC $260,000 $930,000 257.7% 2.6%
Farm Credit Mid-America, ACA $275,000 $830,000 201.8% 2.3%
COREVEST AMERICAN FINANCE LENDER LLC $765,000 n/a 2.1%
LOANDEPOT.COM, LLC $470,000 $735,000 56.4% 2.0%
BENDENA STATE BANK $725,000 n/a 2.0%
Mr. Cooper ( Nationstar Mortgage ) $630,000 $705,000 11.9% 1.9%
UNITED WHOLESALE MORTGAGE, LLC $485,000 $640,000 32.0% 1.8%
CALIBER HOME LOANS, INC. $1,545,000 $575,000 -62.8% 1.6%
First Option Bank $380,000 $570,000 50.0% 1.6%
U.S. Bank $325,000 $565,000 73.8% 1.6%
Armed Forces Bank $500,000 n/a 1.4%
BROKER SOLUTIONS, INC. $155,000 $460,000 196.8% 1.3%
PENTAGON FEDERAL CREDIT UNION $395,000 n/a 1.1%
FREEDOM MORTGAGE CORPORATION $255,000 $390,000 52.9% 1.1%
Mid-America Bank $385,000 n/a 1.1%
GNBank $1,505,000 $375,000 -75.1% 1.0%
Bell Bank $890,000 $360,000 -59.6% 1.0%
The Central Trust Bank $345,000 n/a 1.0%
Mortgage Investment Services Corporation $470,000 $330,000 -29.8% 0.9%
21ST MORTGAGE CORPORATION $320,000 n/a 0.9%
Wells Fargo Bank $495,000 $320,000 -35.4% 0.9%
Capitol Federal Savings Bank $500,000 $315,000 -37.0% 0.9%
Citizens Savings and Loan Association, FSB $135,000 $310,000 129.6% 0.9%
LEADERONE FINANCIAL CORPORATION $150,000 $310,000 106.7% 0.9%
Enterprise Bank & Trust $285,000 n/a 0.8%
PNC Bank $275,000 n/a 0.8%
Arvest Bank $725,000 $270,000 -62.8% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $530,000 $265,000 -50.0% 0.7%
ZILLOW HOME LOANS, LLC $265,000 n/a 0.7%
FRONTIER COMMUNITY CREDIT UNION $230,000 $260,000 13.0% 0.7%
United Fidelity Funding Corp. $260,000 n/a 0.7%
JLB CORPORATION $125,000 $215,000 72.0% 0.6%
PHH Mortgage Corporation $205,000 n/a 0.6%
The Nodaway Valley Bank $195,000 n/a 0.5%
Commerce Bank $90,000 $190,000 111.1% 0.5%
NEWREZ LLC $185,000 n/a 0.5%
Plains Commerce Bank $185,000 n/a 0.5%
Regions Bank $185,000 n/a 0.5%
FIRST INTEGRITY MORTGAGE SERVICES, INC. $175,000 n/a 0.5%
COMMUNITYAMERICA $195,000 $150,000 -23.1% 0.4%
JPMorgan Chase Bank $145,000 n/a 0.4%
UNION HOME MORTGAGE CORP. $655,000 $145,000 -77.9% 0.4%
BAY EQUITY LLC $340,000 $135,000 -60.3% 0.4%
Envista Credit Union $135,000 n/a 0.4%
Southern Bank $135,000 n/a 0.4%
MORIA DEVELOPMENT, INC. $125,000 n/a 0.3%
UMB Bank $735,000 $125,000 -83.0% 0.3%
Kaw Valley Bank $75,000 $115,000 53.3% 0.3%
Landmark National Bank $125,000 $115,000 -8.0% 0.3%
Flagstar Bank, FSB $55,000 $110,000 100.0% 0.3%
Boeing Employees Credit Union $105,000 n/a 0.3%
Emprise Bank $95,000 n/a 0.3%
PENNYMAC LOAN SERVICES, LLC $235,000 $85,000 -63.8% 0.2%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $65,000 n/a 0.2%
GUILD MORTGAGE COMPANY $65,000 n/a 0.2%
Northpointe Bank $65,000 n/a 0.2%
Secured Investment Corp. $65,000 n/a 0.2%
USAA Federal Savings Bank $205,000 $65,000 -68.3% 0.2%
Coastal Community Bank $55,000 n/a 0.2%
Wells Bank $45,000 n/a 0.1%
Azura Credit Union $445,000 $35,000 -92.1% 0.1%

Atchison's top lender by overall market share is The Union State Bank of Everest, with 18.9% market share. In second place, with 10.0%, is Exchange Bank & Trust, having originated $3,640,000 in loans. In third place, with 8.0%, is QUICKEN LOANS, LLC, having originated $2,920,000 in loans. In fourth place, with 5.0%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $1,820,000 in loans. In fifth place, with 4.9%, is ENDEAVOR CAPITAL, LLC., having originated $1,795,000 in loans.


Atchison Housing Market Trends (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 $72,975 (-18.3%) $104,620 (0.0%) 0.00 56
2018-02-01 $78,850 (-23.6%) $109,022 (-2.2%) 0.00 55
2018-03-01 $78,500 (-21.7%) $107,965 (3.3%) 0.00 63
2018-04-01 $85,000 (-14.9%) $120,468 (12.0%) 0.00 68
2018-05-01 $99,963 (0.1%) $132,525 (17.2%) 0.00 62
2018-06-01 $94,000 (-3.3%) $119,080 (1.1%) 0.00 65
2018-07-01 $93,250 (-6.3%) $118,147 (-2.8%) 0.00 70
2018-08-01 $96,250 (1.3%) $129,269 (12.3%) 0.00 67
2018-09-01 $109,500 (15.3%) $135,347 (18.1%) 0.00 58
2018-10-01 $105,750 (27.0%) $132,881 (22.8%) 0.00 56
2018-11-01 $92,970 (20.4%) $133,034 (23.3%) 0.00 53
2018-12-01 $89,400 (22.5%) $138,495 (38.9%) 0.00 46
2019-01-01 $88,750 (21.6%) $139,929 (33.8%) 0.00 42
2019-02-01 $69,700 (-11.6%) $122,153 (12.0%) 0.00 34
2019-03-01 $70,143 (-10.7%) $118,416 (9.7%) 0.00 37
2019-04-01 $76,500 (-10.0%) $118,958 (-1.3%) 0.00 45
2019-05-01 $78,000 (-22.0%) $110,798 (-16.4%) 0.00 51
2019-06-01 $89,900 (-4.4%) $113,514 (-4.7%) 0.00 46
2019-07-01 $92,750 (-0.5%) $135,200 (14.4%) 0.00 38
2019-08-01 $91,818 (-4.6%) $141,387 (9.4%) 0.00 36
2019-09-01 $91,920 (-16.1%) $150,925 (11.5%) 0.00 37
2019-10-01 $87,939 (-16.8%) $156,893 (18.1%) 0.00 35
2019-11-01 $72,000 (-22.6%) $133,133 (0.1%) 0.00 35
2019-12-01 $76,200 (-14.8%) $137,947 (-0.4%) 0.00 36
2020-01-01 $71,375 (-19.6%) $131,631 (-5.9%) 0.00 33
2020-02-01 $86,450 (24.0%) $141,503 (15.8%) 0.00 34
2020-03-01 $75,750 (8.0%) $132,594 (12.0%) 0.00 34
2020-04-01 $83,875 (9.6%) $141,657 (19.1%) 0.00 33
2020-05-01 $119,500 (53.2%) $155,358 (40.2%) 0.00 36
2020-06-01 $124,750 (38.8%) $154,335 (36.0%) 0.00 37
2020-07-01 $118,000 (27.2%) $141,591 (4.7%) 0.00 37
2020-08-01 $117,500 (28.0%) $144,300 (2.1%) 0.00 24
2020-09-01 $127,500 (38.7%) $171,110 (13.4%) 0.00 22
2020-10-01 $117,500 (33.6%) $170,129 (8.4%) 0.00 19
2020-11-01 $114,950 (59.7%) $171,143 (28.6%) 0.00 26
2020-12-01 $114,175 (49.8%) $156,655 (13.6%) 0.00 27
2021-01-01 $101,950 (42.8%) $174,212 (32.4%) 0.00 23
2021-02-01 $100,475 (16.2%) $180,248 (27.4%) 0.00 15
2021-03-01 $103,450 (36.6%) $143,668 (8.4%) 0.00 15
2021-04-01 $91,950 (9.6%) $195,091 (37.7%) 0.00 11
2021-05-01 $122,750 (2.7%) $199,274 (28.3%) 0.00 15
2021-06-01 $140,000 (12.2%) $203,172 (31.6%) 0.00 23
2021-07-01 $135,000 (14.4%) $228,822 (61.6%) 0.00 26
2021-08-01 $126,125 (7.3%) $206,746 (43.3%) 0.00 32
2021-09-01 $128,549 (0.8%) $234,687 (37.2%) 0.00 31
2021-10-01 $119,900 (2.0%) $216,337 (27.2%) 0.00 27
2021-11-01 $107,375 (-6.6%) $201,075 (17.5%) 0.00 25
2021-12-01 $94,450 (-17.3%) $165,833 (5.9%) 0.00 24
2022-01-01 $88,950 (-12.8%) $158,385 (-9.1%) 0.00 21
2022-02-01 $92,500 (-7.9%) $148,875 (-17.4%) 0.00 19
2022-03-01 $97,500 (-5.8%) $169,857 (18.2%) 0.00 17
2022-04-01 $134,950 (46.8%) $151,290 (-22.5%) 0.00 14
2022-05-01 $136,500 (11.2%) $206,120 (3.4%) 0.00 15
2022-06-01 $134,375 (-4.0%) $201,299 (-0.9%) 0.00 17
2022-07-01 $135,000 (0.0%) $194,177 (-15.1%) 0.00 20
2022-08-01 $135,000 (7.0%) $177,341 (-14.2%) 0.00 21
2022-09-01 $123,750 (-3.7%) $190,487 (-18.8%) 0.00 21
2022-10-01 $127,000 (5.9%) $145,143 (-32.9%) 0.00 21
2022-11-01 $125,500 (16.9%) $145,523 (-27.6%) 0.00 25
2022-12-01 $122,450 (29.7%) $147,205 (-11.2%) 0.00 17
2023-01-01 $116,150 (30.6%) $128,920 (-18.6%) 0.00 18
2023-02-01 $110,625 (19.6%) $131,959 (-11.4%) 0.00 15
2023-03-01 $120,000 (23.1%) $132,296 (-22.1%) 0.00 17
2023-04-01 $120,000 (-11.1%) $150,899 (-0.3%) 0.00 16
2023-05-01 $120,000 (-12.1%) $138,887 (-32.6%) 0.00 19
2023-06-01 $129,500 (-3.6%) $159,947 (-20.5%) 0.00 21
2023-07-01 $165,000 (22.2%) $168,648 (-13.2%) 0.00 29
2023-08-01 $165,000 (22.2%) $184,542 (4.1%) 0.00 21
2023-09-01 $165,000 (33.3%) $164,624 (-13.6%) 0.00 34
2023-10-01 $152,100 (19.8%) $167,668 (15.5%) 0.00 39
2023-11-01 $147,750 (17.7%) $172,649 (18.6%) 0.00 38
2023-12-01 $143,375 (17.1%) $171,526 (16.5%) 0.00 30
2024-01-01 $140,638 (21.1%) $164,680 (27.7%) 0.00 26
2024-02-01 $138,938 (25.6%) $157,855 (19.6%) 0.00 24
2024-03-01 $145,000 (20.8%) $171,881 (29.9%) 0.00 24
2024-04-01 $146,875 (22.4%) $196,549 (30.3%) 0.00 24
2024-05-01 $157,125 (30.9%) $213,901 (54.0%) 0.00 29
2024-06-01 $184,500 (42.5%) $232,346 (45.3%) 0.00 28
2024-07-01 $235,625 (42.8%) $247,642 (46.8%) 0.00 35
2024-08-01 $212,450 (28.8%) $224,554 (21.7%) 0.00 41
2024-09-01 $192,250 (16.5%) $217,679 (32.2%) 0.00 41
2024-10-01 $193,875 (27.5%) $228,679 (36.4%) 0.00 41
2024-11-01 $199,000 (34.7%) $220,106 (27.5%) 0.00 35
Atchison's median listing price for 2024-11-01 was $199,000, a difference of $51,250 (34.7%) versus the prior year and $5,125 versus the prior month.

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

Atchison's average listing price for 2024-11-01 was $220,106, a difference of $47,457 (27.5%) versus the prior year and $-8,573 versus the prior month.

For the 2024-11-01 period, Atchison had 35 MLS listings, a difference of -6 listings (-15%) versus the prior month and -3 listings (-8%) 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 1,526 sqft
2018-02-01 0 days 1,556 sqft
2018-03-01 0 days 1,564 sqft
2018-04-01 0 days 1,622 sqft
2018-05-01 0 days 1,712 sqft
2018-06-01 0 days 1,723 sqft
2018-07-01 0 days 1,784 sqft
2018-08-01 0 days 1,821 sqft
2018-09-01 0 days 1,932 sqft
2018-10-01 0 days 1,931 sqft
2018-11-01 0 days 1,684 sqft
2018-12-01 0 days 1,656 sqft
2019-01-01 0 days 1,668 sqft
2019-02-01 0 days 1,336 sqft
2019-03-01 0 days 1,391 sqft
2019-04-01 0 days 1,473 sqft
2019-05-01 0 days 1,456 sqft
2019-06-01 0 days 1,461 sqft
2019-07-01 0 days 1,582 sqft
2019-08-01 0 days 1,624 sqft
2019-09-01 0 days 1,686 sqft
2019-10-01 0 days 1,658 sqft
2019-11-01 0 days 1,591 sqft
2019-12-01 0 days 1,372 sqft
2020-01-01 0 days 1,267 sqft
2020-02-01 0 days 1,459 sqft
2020-03-01 0 days 1,495 sqft
2020-04-01 0 days 1,469 sqft
2020-05-01 0 days 1,692 sqft
2020-06-01 0 days 2,043 sqft
2020-07-01 0 days 1,984 sqft
2020-08-01 0 days 2,016 sqft
2020-09-01 0 days 2,027 sqft
2020-10-01 0 days 2,079 sqft
2020-11-01 0 days 1,872 sqft
2020-12-01 0 days 1,811 sqft
2021-01-01 0 days 1,844 sqft
2021-02-01 0 days 1,837 sqft
2021-03-01 0 days 1,810 sqft
2021-04-01 0 days 1,517 sqft
2021-05-01 0 days 1,500 sqft
2021-06-01 0 days 1,694 sqft
2021-07-01 0 days 1,962 sqft
2021-08-01 0 days 1,919 sqft
2021-09-01 0 days 1,941 sqft
2021-10-01 0 days 1,960 sqft
2021-11-01 0 days 1,581 sqft
2021-12-01 0 days 1,603 sqft
2022-01-01 0 days 1,651 sqft
2022-02-01 0 days 1,568 sqft
2022-03-01 0 days 1,648 sqft
2022-04-01 0 days 1,648 sqft
2022-05-01 0 days 1,216 sqft
2022-06-01 0 days 1,349 sqft
2022-07-01 0 days 1,350 sqft
2022-08-01 0 days 1,598 sqft
2022-09-01 0 days 1,727 sqft
2022-10-01 0 days 1,870 sqft
2022-11-01 0 days 1,850 sqft
2022-12-01 0 days 1,780 sqft
2023-01-01 0 days 1,782 sqft
2023-02-01 0 days 1,686 sqft
2023-03-01 0 days 1,348 sqft
2023-04-01 0 days 1,756 sqft
2023-05-01 0 days 1,674 sqft
2023-06-01 0 days 1,748 sqft
2023-07-01 0 days 1,807 sqft
2023-08-01 0 days 1,768 sqft
2023-09-01 0 days 1,520 sqft
2023-10-01 0 days 1,532 sqft
2023-11-01 0 days 1,495 sqft
2023-12-01 0 days 1,486 sqft
2024-01-01 0 days 1,403 sqft
2024-02-01 0 days 1,494 sqft
2024-03-01 0 days 1,486 sqft
2024-04-01 0 days 1,551 sqft
2024-05-01 0 days 1,551 sqft
2024-06-01 0 days 1,690 sqft
2024-07-01 0 days 1,896 sqft
2024-08-01 0 days 1,765 sqft
2024-09-01 0 days 1,757 sqft
2024-10-01 0 days 1,770 sqft
2024-11-01 0 days 1,748 sqft
Atchison's median listing age (time on market) for 2024-11-01 was 0 days.

Atchison's median square footage for active listings during the 2024-11-01 period was 1,748 sqft. One year prior, the average listing was 1,495 sqft.

Atchison, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 144 $22,790,000 $158,264
Refi 52 $6,500,000 $125,000
Cash Out Refi 39 $5,055,000 $129,615
Home Improvement 17 $1,265,000 $74,412
Other 11 $675,000 $61,364

Atchison's most frequently cited loan purpose was Home Purchase, with 144 originations. The 2nd most popular reason was Refi, with 52 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 65 $10,975,000 $168,846
7-8% 45 $7,155,000 $159,000
5-6% 23 $3,675,000 $159,783
Over 8% 14 $960,000 $68,571
2.5-3% 2 $120,000 $60,000
4-5% 2 $500,000 $250,000
3-4% 1 $55,000 $55,000

During 2023, Atchison's most frequently originated rate bucket was 6-7%, with 65 originations.

Loan Sizing (Atchison, KS MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 105 $6,055,000 $57,667
$100k-200k 104 $14,660,000 $140,962
$200k-400k 49 $12,705,000 $259,286
$400k-600k 3 $1,475,000 $491,667
$600k-1000k 2 $1,390,000 $695,000

Atchison's loan sizing saw the bucket of loans from $100,000 or less with 105 originations, totaling $6,055,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 91 $15,325,000 $168,407
60-80% 32 $5,620,000 $175,625
20-40% 12 $690,000 $57,500
40-60% 6 $520,000 $86,667
Under 20% 6 $260,000 $43,333
Over 100% 4 $970,000 $242,500

Atchison's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 91 originations, totaling $15,325,000 in origination value.