Coffeyville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Coffeyville averaged
7.12%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.85% and
one month ago for the week of 2024-10-03, the
average rate was 6.15%.
Coffeyville's average rate one year ago was 7.99%.
For refis of the same type during the week of 2024-11-07, the average rate
was 6.99%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Coffeyville 30 Year Fixed Rate | 2024-11-07 | 7.12% |
| Coffeyville 30 Year Fixed Rate Refi | 2024-11-07 | 6.99% |
| Coffeyville 15 Year Fixed Rate | 2024-11-07 | 5.9% |
| Coffeyville 15 Year Fixed Rate Refi | 2024-11-07 | 6.2% |
| Coffeyville 30 Year FHA | 2024-11-07 | 6.39% |
| Coffeyville 30 Year FHA Refi | 2024-11-07 | 6.33% |
| Coffeyville 30 Year USDA | 2024-11-07 | 6.28% |
| Coffeyville 30 Year USDA Refi | 2024-11-07 | 6.28% |
| Coffeyville 30 Year VA | 2024-11-07 | 6.24% |
| Coffeyville 30 Year VA Refi | 2024-11-07 | 6.14% |
Coffeyville 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 Coffeyville, 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.).
Coffeyville Average Closing Costs & Other Stats
Coffeyville, KS's 36 lenders originated 407
loans during 2023. The total origination value was $47,995,000, with an average loan value of
$117,924.
Coffeyville's average closing costs are $4,135.
The top Coffeyville lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
30 loans originated. Their average total fees are
$3,480, which is $417
higher than the next largest lender,
Community National Bank & Trust.
The lowest fee Coffeyville lenders (with over 10 loans originated) are
Community National Bank & Trust ($3,064), FLAT BRANCH MORTGAGE, INC. ($3,480), QUICKEN LOANS, LLC ($7,085), .
The lowest rate Coffeyville lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. (6.74%), QUICKEN LOANS, LLC (6.85%), Community National Bank & Trust (7.41%), .
Coffeyville, 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 |
|---|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | $6,570,000 | $9,920,000 | 51.0% | 20.7% |
| Community National Bank & Trust | $8,250,000 | $7,000,000 | -15.2% | 14.6% |
| FirstOak Bank | $5,730,000 | $3,970,000 | -30.7% | 8.3% |
| QUICKEN LOANS, LLC | $4,370,000 | $3,110,000 | -28.8% | 6.5% |
| Mortgage Research Center, LLC | $2,515,000 | $1,875,000 | -25.4% | 3.9% |
| Equity Bank | $935,000 | $1,775,000 | 89.8% | 3.7% |
| CHURCHILL MORTGAGE CORPORATION | $1,530,000 | $1,255,000 | -18.0% | 2.6% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,245,000 | n/a | 2.6% | |
| Sierra Pacific Mortgage Company, Inc. | $2,065,000 | $930,000 | -55.0% | 1.9% |
| Mortgage Investment Services Corporation | $2,320,000 | $920,000 | -60.3% | 1.9% |
| Arvest Bank | $370,000 | $855,000 | 131.1% | 1.8% |
| Deere Employees Credit Union | $905,000 | $815,000 | -9.9% | 1.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $505,000 | $800,000 | 58.4% | 1.7% |
| RCB Bank | $45,000 | $765,000 | 1,600.0% | 1.6% |
| United Fidelity Funding Corp. | $260,000 | $720,000 | 176.9% | 1.5% |
| Wells Fargo Bank | $300,000 | $550,000 | 83.3% | 1.1% |
| NEWREZ LLC | $155,000 | $535,000 | 245.2% | 1.1% |
| BLUE SKY BANK | $385,000 | n/a | 0.8% | |
| MidFirst Bank | $385,000 | n/a | 0.8% | |
| HEARTLAND CREDIT UNION | $285,000 | $370,000 | 29.8% | 0.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $85,000 | $365,000 | 329.4% | 0.8% |
| Bankers' Bank | $360,000 | n/a | 0.8% | |
| NEW DAY FINANCIAL, LLC | $340,000 | n/a | 0.7% | |
| GUARANTEED RATE AFFINITY, LLC | $335,000 | n/a | 0.7% | |
| NAVY FEDERAL CREDIT UNION | $515,000 | $335,000 | -35.0% | 0.7% |
| Neighborhood Loans, Inc. | $335,000 | n/a | 0.7% | |
| Gateway First Bank | $315,000 | n/a | 0.7% | |
| USAA Federal Savings Bank | $125,000 | $300,000 | 140.0% | 0.6% |
| Great Plains Federal Credit Un | $295,000 | n/a | 0.6% | |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | $165,000 | $265,000 | 60.6% | 0.6% |
| KS StateBank | $260,000 | n/a | 0.5% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $95,000 | $260,000 | 173.7% | 0.5% |
| U.S. Bank | $305,000 | $255,000 | -16.4% | 0.5% |
| Armstrong Bank | $40,000 | $245,000 | 512.5% | 0.5% |
| HALLMARK HOME MORTGAGE, LLC | $245,000 | n/a | 0.5% | |
| OPEN MORTGAGE, LLC | $815,000 | $240,000 | -70.6% | 0.5% |
| SUN WEST MORTGAGE COMPANY, INC. | $235,000 | n/a | 0.5% | |
| TRIAD FINANCIAL SERVICES, INC. | $230,000 | $220,000 | -4.3% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $215,000 | $200,000 | -7.0% | 0.4% |
| ZILLOW HOME LOANS, LLC | $200,000 | n/a | 0.4% | |
| Farm Credit Mid-America, ACA | $740,000 | $185,000 | -75.0% | 0.4% |
| FIRST COMMUNITY MORTGAGE, INC. | $185,000 | n/a | 0.4% | |
| Bank of America | $340,000 | $180,000 | -47.1% | 0.4% |
| BOKF | $320,000 | $175,000 | -45.3% | 0.4% |
| DAS Acquisition Company, LLC | $175,000 | n/a | 0.4% | |
| FREEDOM MORTGAGE CORPORATION | $615,000 | $175,000 | -71.5% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $75,000 | $160,000 | 113.3% | 0.3% |
| AmeriHome Mortgage Company, LLC | $155,000 | n/a | 0.3% | |
| Capitol Federal Savings Bank | $155,000 | n/a | 0.3% | |
| COMMUNITY MORTGAGE, LLC | $155,000 | n/a | 0.3% | |
| Discover Bank | $155,000 | n/a | 0.3% | |
| LOANPAL, LLC | $145,000 | n/a | 0.3% | |
| LAKEVIEW LOAN SERVICING, LLC | $135,000 | n/a | 0.3% | |
| SENTE MORTGAGE, INC. | $135,000 | n/a | 0.3% | |
| MERITRUST Federal Credit Union | $130,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $65,000 | $125,000 | 92.3% | 0.3% |
| Coastal Community Bank | $115,000 | n/a | 0.2% | |
| Actors Federal Credit Union | $95,000 | n/a | 0.2% | |
| Prosperity Home Mortgage, LLC | $95,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $310,000 | $95,000 | -69.4% | 0.2% |
| Truity Federal Credit Union | $15,000 | $95,000 | 533.3% | 0.2% |
| Labette Bank | $160,000 | $85,000 | -46.9% | 0.2% |
| Waterstone Mortgage Corporation | $85,000 | n/a | 0.2% | |
| Chickasaw Community Bank | $145,000 | $75,000 | -48.3% | 0.2% |
| Citizens Bank of Kansas | $235,000 | $75,000 | -68.1% | 0.2% |
| ASSEMBLIES OF GOD Credit Union | $65,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $65,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,095,000 | $65,000 | -94.1% | 0.1% |
| Servion, Inc. | $65,000 | n/a | 0.1% | |
| BROKER SOLUTIONS, INC. | $315,000 | $55,000 | -82.5% | 0.1% |
| Figure Lending LLC | $55,000 | n/a | 0.1% | |
| Country Club Bank | $45,000 | n/a | 0.1% | |
| Members Mortgage Services, L.L.C. | $45,000 | n/a | 0.1% | |
| Baxter Credit Union | $35,000 | n/a | 0.1% | |
| PENNYMAC LOAN SERVICES, LLC | $440,000 | $35,000 | -92.0% | 0.1% |
| Emprise Bank | $25,000 | n/a | 0.1% | |
| QUANTUM CREDIT UNION | $25,000 | n/a | 0.1% |
Coffeyville's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 20.7% market share. In second place, with 14.6%, is Community National Bank & Trust, having originated $7,000,000 in loans. In third place, with 8.3%, is FirstOak Bank, having originated $3,970,000 in loans. In fourth place, with 6.5%, is QUICKEN LOANS, LLC, having originated $3,110,000 in loans. In fifth place, with 3.9%, is Mortgage Research Center, LLC, having originated $1,875,000 in loans.
Coffeyville, KS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 300 | $39,920,000 | $133,067 |
| Cash Out Refi | 37 | $4,135,000 | $111,757 |
| Refi | 31 | $2,065,000 | $66,613 |
| Home Improvement | 23 | $1,015,000 | $44,130 |
| Other | 16 | $860,000 | $53,750 |
Coffeyville's most frequently cited loan purpose was Home Purchase, with 300 originations. The 2nd most popular reason was Cash Out Refi, with 37 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 153 | $19,885,000 | $129,967 |
| 7-8% | 120 | $12,710,000 | $105,917 |
| Over 8% | 66 | $4,220,000 | $63,939 |
| 5-6% | 36 | $5,760,000 | $160,000 |
| 4-5% | 5 | $545,000 | $109,000 |
| <2.5% | 4 | $220,000 | $55,000 |
| 3-4% | 1 | $25,000 | $25,000 |
During 2023, Coffeyville's most frequently originated rate bucket was 6-7%, with 153 originations.
Loan Sizing (Coffeyville, KS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 224 | $13,000,000 | $58,036 |
| $100k-200k | 125 | $17,915,000 | $143,320 |
| $200k-400k | 53 | $14,005,000 | $264,245 |
| $400k-600k | 3 | $1,285,000 | $428,333 |
| $600k-1000k | 1 | $685,000 | $685,000 |
| $Over $1MM | 1 | $1,105,000 | $1,105,000 |
Coffeyville's loan sizing saw the bucket of loans from $100,000 or less with 224 originations, totaling $13,000,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 248 | $32,330,000 | $130,363 |
| 60-80% | 63 | $7,235,000 | $114,841 |
| 20-40% | 28 | $1,460,000 | $52,143 |
| 40-60% | 27 | $1,745,000 | $64,630 |
| Under 20% | 16 | $340,000 | $21,250 |
| Over 100% | 2 | $250,000 | $125,000 |
Coffeyville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 248 originations, totaling $32,330,000 in origination value.