Emporia Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Emporia averaged
6.73%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.86% and
one month ago for the week of 2025-05-15, the
average rate was 7.03%.
Emporia's average rate one year ago was 7.07%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Emporia 30 Year Fixed Rate | 2025-06-18 | 6.73% |
| Emporia 30 Year Fixed Rate Refi | 2025-06-18 | 7.21% |
| Emporia 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Emporia 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| Emporia 30 Year FHA | 2025-06-18 | 0.1% |
| Emporia 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Emporia 30 Year USDA | 2025-06-18 | 0.1% |
| Emporia 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Emporia 30 Year VA | 2025-06-18 | 0% |
| Emporia 30 Year VA Refi | 2025-06-18 | 0.2% |
Emporia 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 Emporia, 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.).
Emporia Average Closing Costs & Other Stats
Emporia, KS's 27 lenders originated 394
loans during 2024. The total origination value was $57,340,000, with an average loan value of
$145,533.
Emporia's average closing costs are $3,291.
The top Emporia lender as defined by loan originations is NBH Bank, with
49 loans originated. Their average total fees are
$2,444, which is $459
higher than the next largest lender,
ESB Financial.
The lowest fee Emporia lenders (with over 10 loans originated) are
ESB Financial ($1,985), NBH Bank ($2,444), QUICKEN LOANS, LLC ($6,305), .
The lowest rate Emporia lenders (with over 10 loans originated) are
NBH Bank (6.60%), ESB Financial (6.84%), QUICKEN LOANS, LLC (6.94%), .
Emporia, 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| NBH Bank | $12,875,000 | $12,690,000 | -1.4% | 22.1% |
| ESB Financial | $11,755,000 | $7,785,000 | -33.8% | 13.6% |
| QUICKEN LOANS, LLC | $3,010,000 | $3,535,000 | 17.4% | 6.2% |
| Community National Bank & Trust | $5,335,000 | $3,375,000 | -36.7% | 5.9% |
| Mortgage Research Center, LLC | $955,000 | $2,580,000 | 170.2% | 4.5% |
| Farm Credit Mid-America, ACA | $1,870,000 | $2,255,000 | 20.6% | 3.9% |
| Capitol Federal Savings Bank | $590,000 | $2,070,000 | 250.8% | 3.6% |
| Citizens State Bank | $1,080,000 | $1,900,000 | 75.9% | 3.3% |
| FLINT HILLS BANK | $1,525,000 | $1,540,000 | 1.0% | 2.7% |
| GUILD MORTGAGE COMPANY | $1,320,000 | n/a | 2.3% | |
| PENNYMAC LOAN SERVICES, LLC | $565,000 | $1,115,000 | 97.3% | 1.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $835,000 | $1,100,000 | 31.7% | 1.9% |
| Members Mortgage Services, L.L.C. | $435,000 | $950,000 | 118.4% | 1.7% |
| Farmers and Drovers Bank | $1,175,000 | $845,000 | -28.1% | 1.5% |
| NAVY FEDERAL CREDIT UNION | $525,000 | $590,000 | 12.4% | 1.0% |
| Century Mortgage Company DBA Century Lending Company | $575,000 | n/a | 1.0% | |
| Flagstar Bank, FSB | $565,000 | n/a | 1.0% | |
| Equity Bank | $3,245,000 | $515,000 | -84.1% | 0.9% |
| LEADERONE FINANCIAL CORPORATION | $495,000 | $505,000 | 2.0% | 0.9% |
| BROKER SOLUTIONS, INC. | $125,000 | $490,000 | 292.0% | 0.9% |
| Mortgage Investment Services Corporation | $470,000 | $445,000 | -5.3% | 0.8% |
| FLAT BRANCH MORTGAGE, INC. | $380,000 | $405,000 | 6.6% | 0.7% |
| Fidelity Bank | $380,000 | n/a | 0.7% | |
| CASTLE & COOKE MORTGAGE, LLC | $375,000 | n/a | 0.7% | |
| Envista Credit Union | $345,000 | n/a | 0.6% | |
| Discover Bank | $275,000 | $335,000 | 21.8% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $105,000 | $330,000 | 214.3% | 0.6% |
| LOANDEPOT.COM, LLC | $330,000 | n/a | 0.6% | |
| Gateway First Bank | $135,000 | $320,000 | 137.0% | 0.6% |
| Truity Federal Credit Union | $315,000 | n/a | 0.5% | |
| UNION HOME MORTGAGE CORP. | $285,000 | n/a | 0.5% | |
| MID AMERICA MORTGAGE, INC. | $275,000 | n/a | 0.5% | |
| PREMIA MORTGAGE, LLC | $355,000 | $275,000 | -22.5% | 0.5% |
| Commerce Bank | $255,000 | $270,000 | 5.9% | 0.5% |
| JPMorgan Chase Bank | $250,000 | n/a | 0.4% | |
| Emprise Bank | $340,000 | $240,000 | -29.4% | 0.4% |
| Southwest National Bank | $235,000 | n/a | 0.4% | |
| BOKF | $15,000 | $220,000 | 1,366.7% | 0.4% |
| BAY EQUITY LLC | $165,000 | $215,000 | 30.3% | 0.4% |
| U.S. Bank | $470,000 | $205,000 | -56.4% | 0.4% |
| NEWREZ LLC | $190,000 | n/a | 0.3% | |
| DAS Acquisition Company, LLC | $185,000 | n/a | 0.3% | |
| Great Southern Bank | $175,000 | n/a | 0.3% | |
| LOANPAL, LLC | $175,000 | n/a | 0.3% | |
| GUARANTEED RATE, INC. | $350,000 | $165,000 | -52.9% | 0.3% |
| Mazuma Credit Union | $165,000 | n/a | 0.3% | |
| NBKC BANK | $400,000 | $165,000 | -58.8% | 0.3% |
| Figure Lending LLC | $45,000 | $155,000 | 244.4% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $155,000 | n/a | 0.3% | |
| TRIAD FINANCIAL SERVICES, INC. | $200,000 | $155,000 | -22.5% | 0.3% |
| NEW DAY FINANCIAL, LLC | $115,000 | $145,000 | 26.1% | 0.3% |
| SUMMIT FUNDING, INC. | $145,000 | n/a | 0.3% | |
| Wells Fargo Bank | $360,000 | $130,000 | -63.9% | 0.2% |
| Magnolia Bank | $115,000 | n/a | 0.2% | |
| The Kansas State Bank | $190,000 | $115,000 | -39.5% | 0.2% |
| CoreFirst Bank & Trust | $105,000 | n/a | 0.2% | |
| First State Bank and Trust | $105,000 | n/a | 0.2% | |
| Old National Bank | $105,000 | n/a | 0.2% | |
| Barrington Bank & Trust Company, N.A. | $95,000 | n/a | 0.2% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $95,000 | n/a | 0.2% | |
| COMMUNITYAMERICA | $85,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $75,000 | n/a | 0.1% | |
| LYNDON STATE BANK | $185,000 | $55,000 | -70.3% | 0.1% |
| Azura Credit Union | $45,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $45,000 | n/a | 0.1% | |
| Arvest Bank | $395,000 | $35,000 | -91.1% | 0.1% |
| Bank of America | $125,000 | $25,000 | -80.0% | 0.0% |
| PEOPLES STATE BANK | $5,000 | n/a | 0.0% |
Emporia's top lender by overall market share is NBH Bank, with 22.1% market share. In second place, with 13.6%, is ESB Financial, having originated $7,785,000 in loans. In third place, with 6.2%, is QUICKEN LOANS, LLC, having originated $3,535,000 in loans. In fourth place, with 5.9%, is Community National Bank & Trust, having originated $3,375,000 in loans. In fifth place, with 4.5%, is Mortgage Research Center, LLC, having originated $2,580,000 in loans.
Emporia, KS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 247 | $42,015,000 | $170,101 |
| Refi | 65 | $7,305,000 | $112,385 |
| Cash Out Refi | 41 | $4,955,000 | $120,854 |
| Home Improvement | 25 | $1,825,000 | $73,000 |
| Other | 16 | $1,240,000 | $77,500 |
Emporia's most frequently cited loan purpose was Home Purchase, with 247 originations. The 2nd most popular reason was Refi, with 65 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 174 | $28,700,000 | $164,943 |
| 7-8% | 76 | $10,960,000 | $144,211 |
| Over 8% | 71 | $6,035,000 | $85,000 |
| 5-6% | 31 | $5,015,000 | $161,774 |
| 4-5% | 1 | $75,000 | $75,000 |
During 2024, Emporia's most frequently originated rate bucket was 6-7%, with 174 originations.
Loan Sizing (Emporia, KS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 152 | $8,400,000 | $55,263 |
| $100k-200k | 144 | $20,830,000 | $144,653 |
| $200k-400k | 90 | $22,650,000 | $251,667 |
| $400k-600k | 5 | $2,275,000 | $455,000 |
| $600k-1000k | 2 | $1,430,000 | $715,000 |
| $Over $1MM | 1 | $1,755,000 | $1,755,000 |
Emporia's loan sizing saw the bucket of loans from $100,000 or less with 152 originations, totaling $8,400,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 186 | $32,380,000 | $174,086 |
| 60-80% | 74 | $10,430,000 | $140,946 |
| 40-60% | 31 | $4,165,000 | $134,355 |
| 20-40% | 29 | $2,055,000 | $70,862 |
| Under 20% | 29 | $965,000 | $33,276 |
| Over 100% | 2 | $580,000 | $290,000 |
Emporia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 186 originations, totaling $32,380,000 in origination value.