Atchison Mortgage Rates

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    • 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.