Emporia Mortgage Rates

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

30 Year Fixed Rate mortgages in Emporia averaged 6.16% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 5.93% and one month ago for the week of 2022-05-19, the average rate was 5.3%.

Emporia's average rate one year ago was 3.13%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.98%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Emporia 30 Year Fixed Rate 2022-06-23 6.16%
Emporia 30 Year Fixed Rate Refi 2022-06-23 5.98%
Emporia 15 Year Fixed Rate 2022-06-23 5.42%
Emporia 15 Year Fixed Rate Refi 2022-06-23 5.34%
Emporia 30 Year FHA 2022-06-23 0.04%
Emporia 30 Year FHA Refi 2022-06-23 -0.21%
Emporia 30 Year USDA 2022-06-23 -0.08%
Emporia 30 Year VA 2022-06-23 0.04%
Emporia 30 Year VA Refi 2022-06-23 0.3%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Emporia, KS.

Emporia 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 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
NBH Bank 90 3.13% $1,880
ESB Financial 45 3.04% $1,616
QUICKEN LOANS, LLC 17 3.15% $4,105
Community National Bank & Trust 11 3.19% $2,316
Capitol Federal Savings Bank 9 2.97% $2,094
Mortgage Investment Services Corporation 8 3.61% $3,006
Wells Fargo Bank 3 3.33% $2,089
UNION HOME MORTGAGE CORP. 3 3.50% $2,047
AMERISAVE MORTGAGE CORPORATION 2 3.25% $4,856
DELMAR FINANCIAL COMPANY 2 3.25% $2,413
BETTER MORTGAGE CORPORATION 2 3.00% $3,026
Flagstar Bank, FSB 2 3.69% $2,902
Farm Credit Mid-America, ACA 2 3.33% $8,205
FINANCE OF AMERICA MORTGAGE LLC 2 3.19% $2,416
United Fidelity Funding Corp. 2 3.06% $5,242
UNITED WHOLESALE MORTGAGE, LLC 2 3.19% $3,150
HOME POINT FINANCIAL CORPORATION 1 3.13% $3,733
JPMorgan Chase Bank 1 3.13% $1,965
KS StateBank 1 4.75% $2,641
ACADEMY MORTGAGE CORPORATION 1 3.63% $2,545
LOANDEPOT.COM, LLC 1 2.99% $5,579
LOANPAL, LLC 1 3.25% $4,063
MERITRUST Federal Credit Union 1 3.13% $2,057
MORTGAGE ACCESS CORP. 1 3.25% $1,850
Mr. Cooper ( Nationstar Mortgage ) 1 3.25% $5,159
NAVY FEDERAL CREDIT UNION 1 4.00% $1,215
PNC Bank 1 2.88% $1,643
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.13% $1,641
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.50% $2,185
Sierra Pacific Mortgage Company, Inc. 1 3.38% $3,553
Landmark National Bank 1 2.88% $1,785
AMERICAN FINANCING CORPORATION 1 3.25% $3,906
Assurance Financial Group, L.L.C. 1 3.49% $2,833
Azura Credit Union 1 3.25% $0
Bell Bank 1 3.00% $2,057
Colonial Savings, F.A. 1 3.50% $3,029
CoreFirst Bank & Trust 1 3.00% $2,100
CRESCENT MORTGAGE COMPANY 1 2.75% $2,275
DAS Acquisition Company, LLC 1 2.88% $2,889
Discover Bank 1 4.99% $0
EMBRACE HOME LOANS, INC. 1 2.50% $13,293
EVERETT FINANCIAL, INC. 1 3.63% $1,859
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 2.99% $4,319
FLAT BRANCH MORTGAGE, INC. 1 3.50% $2,334
GUARANTEED RATE, INC. 1 3.25% $2,599
GUILD MORTGAGE COMPANY 1 3.63% $2,524

Emporia, KS's 46 lenders originated 652 loans during 2021. The total origination value was $123,260,000, with an average loan value of $189,049.

The top Emporia lender as defined by loan originations is NBH Bank, with 90 loans originated. Their average total fees are $1,880, which is $264 higher than the next largest lender, ESB Financial.

The lowest fee Emporia lenders (with over 10 loans originated) are ESB Financial ($1,616), NBH Bank ($1,880), Community National Bank & Trust ($2,316), QUICKEN LOANS, LLC ($4,105) and .

The lowest rate Emporia lenders (with over 10 loans originated) are ESB Financial (3.04%), NBH Bank (3.13%), QUICKEN LOANS, LLC (3.15%), Community National Bank & Trust (3.19%) and .

Emporia, 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
ESB Financial $26,415,000 $23,765,000 -10.0% 19.3%
NBH Bank $17,135,000 $20,500,000 19.6% 16.6%
ORIX REAL ESTATE CAPITAL, LLC $14,560,000 n/a 11.8%
QUICKEN LOANS, LLC $5,545,000 $8,575,000 54.6% 7.0%
Community National Bank & Trust $5,300,000 $6,165,000 16.3% 5.0%
M&T Realty Capital Corporation $6,005,000 n/a 4.9%
Capitol Federal Savings Bank $5,165,000 $3,460,000 -33.0% 2.8%
Mortgage Investment Services Corporation $1,710,000 $2,680,000 56.7% 2.2%
First State Bank and Trust $2,510,000 n/a 2.0%
Farm Credit Mid-America, ACA $2,025,000 $2,305,000 13.8% 1.9%
Mortgage Research Center, LLC $1,555,000 $2,025,000 30.2% 1.6%
VisionBank $1,985,000 n/a 1.6%
FREEDOM MORTGAGE CORPORATION $2,485,000 $1,955,000 -21.3% 1.6%
Wells Fargo Bank $530,000 $1,375,000 159.4% 1.1%
JONES LANG LASALLE MULTIFAMILY, LLC $1,305,000 n/a 1.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,010,000 $1,210,000 19.8% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $1,190,000 $1,125,000 -5.5% 0.9%
UNION HOME MORTGAGE CORP. $360,000 $925,000 156.9% 0.8%
UNITED WHOLESALE MORTGAGE, LLC $390,000 $725,000 85.9% 0.6%
CRESCENT MORTGAGE COMPANY $440,000 $675,000 53.4% 0.5%
MERITRUST Federal Credit Union $145,000 $625,000 331.0% 0.5%
AMERISAVE MORTGAGE CORPORATION $605,000 n/a 0.5%
Farmers and Drovers Bank $1,880,000 $570,000 -69.7% 0.5%
Members Mortgage Services, L.L.C. $770,000 $570,000 -26.0% 0.5%
PENNYMAC LOAN SERVICES, LLC $105,000 $570,000 442.9% 0.5%
Assurance Financial Group, L.L.C. $535,000 n/a 0.4%
Bank of America $285,000 $535,000 87.7% 0.4%
JPMorgan Chase Bank $495,000 n/a 0.4%
EMBRACE HOME LOANS, INC. $485,000 n/a 0.4%
BROKER SOLUTIONS, INC. $250,000 $475,000 90.0% 0.4%
CALIBER HOME LOANS, INC. $85,000 $465,000 447.1% 0.4%
CoreFirst Bank & Trust $300,000 $460,000 53.3% 0.4%
LOANDEPOT.COM, LLC $455,000 n/a 0.4%
DELMAR FINANCIAL COMPANY $1,690,000 $445,000 -73.7% 0.4%
NAVY FEDERAL CREDIT UNION $505,000 $445,000 -11.9% 0.4%
United Fidelity Funding Corp. $125,000 $435,000 248.0% 0.4%
Citizens Bank of Kansas $195,000 $405,000 107.7% 0.3%
Flagstar Bank, FSB $95,000 $395,000 315.8% 0.3%
NEW DAY FINANCIAL, LLC $210,000 $370,000 76.2% 0.3%
Ixonia Bank $355,000 n/a 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $85,000 $340,000 300.0% 0.3%
Truity Federal Credit Union $260,000 $315,000 21.2% 0.3%
Bank of Whittier $305,000 n/a 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $145,000 $300,000 106.9% 0.2%
CHURCHILL MORTGAGE CORPORATION $290,000 n/a 0.2%
MORTGAGE ACCESS CORP. $285,000 n/a 0.2%
CROSSCOUNTRY MORTGAGE, LLC $280,000 n/a 0.2%
BETTER MORTGAGE CORPORATION $270,000 n/a 0.2%
GUARANTEED RATE, INC. $260,000 n/a 0.2%
HOME POINT FINANCIAL CORPORATION $1,070,000 $250,000 -76.6% 0.2%
LEADERONE FINANCIAL CORPORATION $250,000 n/a 0.2%
PNC Bank $245,000 n/a 0.2%
Azura Credit Union $240,000 n/a 0.2%
NEWREZ LLC $240,000 n/a 0.2%
TRIAD FINANCIAL SERVICES, INC. $240,000 n/a 0.2%
AMERICAN FINANCING CORPORATION $75,000 $220,000 193.3% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $215,000 n/a 0.2%
KS StateBank $45,000 $215,000 377.8% 0.2%
Barrington Bank & Trust Company, N.A. $210,000 n/a 0.2%
DAS Acquisition Company, LLC $205,000 n/a 0.2%
Sierra Pacific Mortgage Company, Inc. $195,000 n/a 0.2%
Manufacturers and Traders Trust Company $190,000 n/a 0.2%
GUILD MORTGAGE COMPANY $185,000 n/a 0.2%
HOME BANK AND TRUST COMPANY $155,000 $185,000 19.4% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $345,000 $180,000 -47.8% 0.1%
Landmark National Bank $180,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $175,000 n/a 0.1%
U.S. Bank $310,000 $170,000 -45.2% 0.1%
LAKEVIEW LOAN SERVICING, LLC $185,000 $165,000 -10.8% 0.1%
21ST MORTGAGE CORPORATION $455,000 $155,000 -65.9% 0.1%
Bank of England $135,000 $155,000 14.8% 0.1%
Carrington Mortgage Services, LLC $105,000 $155,000 47.6% 0.1%
First Mortgage Solutions, LLC $155,000 n/a 0.1%
Gateway First Bank $155,000 n/a 0.1%
Discover Bank $145,000 n/a 0.1%
MOVEMENT MORTGAGE, LLC $145,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $145,000 n/a 0.1%
Citizens Bank of Amsterdam $135,000 n/a 0.1%
EVERETT FINANCIAL, INC. $135,000 n/a 0.1%
RUOFF MORTGAGE COMPANY, INC. $135,000 n/a 0.1%
USAA Federal Savings Bank $800,000 $125,000 -84.4% 0.1%
BOKF $135,000 $115,000 -14.8% 0.1%
First Federal Bank of Kansas City $320,000 $115,000 -64.1% 0.1%
North American Savings Bank, F.S.B. $135,000 $115,000 -14.8% 0.1%
Citibank $105,000 n/a 0.1%
Bell Bank $95,000 n/a 0.1%
FINANCE OF AMERICA COMMERCIAL LLC $135,000 $85,000 -37.0% 0.1%
FLAT BRANCH MORTGAGE, INC. $85,000 n/a 0.1%
LOANPAL, LLC $85,000 n/a 0.1%
ACADEMY MORTGAGE CORPORATION $75,000 n/a 0.1%
Colonial Savings, F.A. $195,000 $75,000 -61.5% 0.1%
KELLER MORTGAGE, LLC $75,000 n/a 0.1%
Bank of the Flint Hills $55,000 n/a 0.0%
Mid-America Bank $45,000 n/a 0.0%
COMMUNITYAMERICA $190,000 $35,000 -81.6% 0.0%
PEOPLES STATE BANK $80,000 $35,000 -56.3% 0.0%

Emporia's top lender by overall market share is ESB Financial, with 19.3% market share. In second place, with 16.6%, is NBH Bank, having originated $20,500,000 in loans. In third place, with 11.8%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $14,560,000 in loans. In third place, with 7.0%, is QUICKEN LOANS, LLC, having originated $8,575,000 in loans. In third place, with 5.0%, is Community National Bank & Trust, having originated $6,165,000 in loans.


Emporia, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 329 $50,855,000 $154,574
Refi 247 $62,095,000 $251,397
Cash Out Refi 67 $8,455,000 $126,194
Home Improvement 5 $1,705,000 $341,000
Other 4 $150,000 $37,500

Emporia's most frequently cited loan purpose was Home Purchase, with 329 originations. The 2nd most popular reason was Refi, with 247 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 251 $40,855,000 $162,769
3-4% 232 $33,240,000 $143,276
<2.5% 105 $31,665,000 $301,571
4-5% 25 $3,635,000 $145,400
5-6% 13 $1,845,000 $141,923
Over 8% 6 $240,000 $40,000
6-7% 3 $135,000 $45,000

During 2021, Emporia's most frequently originated rate bucket was 2.5-3%, with 251 originations.

Loan Sizing (Emporia, KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 317 $46,055,000 $145,284
$100,000 or less 198 $13,850,000 $69,949
$200k-400k 113 $29,205,000 $258,451
$400k-600k 16 $7,330,000 $458,125
$Over $1MM 7 $26,115,000 $3,730,714
$600k-1000k 1 $705,000 $705,000

Emporia's loan sizing saw the bucket of loans from $100k-200k with 317 originations, totaling $46,055,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 296 $45,350,000 $153,209
60-80% 228 $36,720,000 $161,053
40-60% 52 $6,720,000 $129,231
20-40% 20 $2,420,000 $121,000
Over 100% 11 $16,115,000 $1,465,000
Under 20% 8 $1,500,000 $187,500

Emporia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 296 originations, totaling $45,350,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Emporia (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 $114,250 (-6.3%) $154,246 (-1.2%) 0.00 64
2018-02-01 $110,000 (8.2%) $147,039 (-2.1%) 0.00 62
2018-03-01 $119,500 (26.5%) $171,434 (14.7%) 0.00 69
2018-04-01 $132,450 (44.0%) $181,303 (28.6%) 0.00 73
2018-05-01 $107,450 (-8.5%) $159,880 (3.4%) 0.00 77
2018-06-01 $124,500 (-1.0%) $159,437 (-2.1%) 0.00 81
2018-07-01 $121,200 (10.2%) $152,056 (8.1%) 0.00 96
2018-08-01 $119,700 (2.8%) $150,618 (4.0%) 0.00 99
2018-09-01 $112,900 (-1.8%) $140,639 (-7.1%) 0.00 95
2018-10-01 $115,900 (-2.1%) $142,961 (-4.5%) 0.00 96
2018-11-01 $112,400 (-4.5%) $145,271 (0.8%) 0.00 99
2018-12-01 $119,900 (0.3%) $151,633 (-2.4%) 0.00 83
2019-01-01 $119,900 (5.0%) $153,240 (-0.7%) 0.00 74
2019-02-01 $123,450 (12.2%) $147,721 (0.5%) 0.00 74
2019-03-01 $142,757 (19.5%) $168,523 (-1.7%) 0.00 72
2019-04-01 $162,450 (22.7%) $194,006 (7.0%) 0.00 69
2019-05-01 $169,900 (58.1%) $199,027 (24.5%) 0.00 66
2019-06-01 $168,000 (34.9%) $190,436 (19.4%) 0.00 81
2019-07-01 $147,700 (21.9%) $175,537 (15.4%) 0.00 81
2019-08-01 $139,714 (16.7%) $171,002 (13.5%) 0.00 89
2019-09-01 $129,950 (15.1%) $160,762 (14.3%) 0.00 91
2019-10-01 $119,900 (3.5%) $155,138 (8.5%) 0.00 83
2019-11-01 $130,000 (15.7%) $150,837 (3.8%) 0.00 69
2019-12-01 $117,400 (-2.1%) $154,213 (1.7%) 0.00 56
2020-01-01 $104,450 (-12.9%) $142,397 (-7.1%) 0.00 54
2020-02-01 $95,900 (-22.3%) $139,997 (-5.2%) 0.00 56
2020-03-01 $142,450 (-0.2%) $158,085 (-6.2%) 0.00 64
2020-04-01 $149,900 (-7.7%) $166,748 (-14.1%) 0.00 64
2020-05-01 $149,900 (-11.8%) $161,758 (-18.7%) 0.00 61
2020-06-01 $173,950 (3.5%) $174,883 (-8.2%) 0.00 56
2020-07-01 $174,750 (18.3%) $177,988 (1.4%) 0.00 48
2020-08-01 $149,000 (6.7%) $159,025 (-7.0%) 0.00 49
2020-09-01 $149,450 (15.0%) $166,443 (3.5%) 0.00 48
2020-10-01 $144,900 (20.9%) $161,774 (4.3%) 0.00 54
2020-11-01 $129,900 (-0.1%) $156,775 (3.9%) 0.00 36
2020-12-01 $133,700 (13.9%) $154,630 (0.3%) 0.00 34
2021-01-01 $127,000 (21.6%) $152,421 (7.0%) 0.00 37
2021-02-01 $131,400 (37.0%) $156,231 (11.6%) 0.00 28
2021-03-01 $154,900 (8.7%) $174,440 (10.4%) 0.00 26
2021-04-01 $185,350 (23.7%) $257,740 (54.6%) 0.00 29
2021-05-01 $159,900 (6.7%) $185,960 (15.0%) 0.00 20
2021-06-01 $111,000 (-36.2%) $168,372 (-3.7%) 0.00 32
2021-07-01 $102,450 (-41.4%) $148,278 (-16.7%) 0.00 42
2021-08-01 $146,900 (-1.4%) $155,712 (-2.1%) 0.00 45
2021-09-01 $143,700 (-3.9%) $160,175 (-3.8%) 0.00 38
2021-10-01 $134,950 (-6.9%) $157,136 (-2.9%) 0.00 43
2021-11-01 $117,400 (-9.6%) $142,066 (-9.4%) 0.00 25
2021-12-01 $124,900 (-6.6%) $147,904 (-4.4%) 0.00 29
2022-01-01 $124,900 (-1.7%) $152,066 (-0.2%) 0.00 25
2022-02-01 $109,900 (-16.4%) $157,273 (0.7%) 0.00 16
2022-03-01 $117,200 (-24.3%) $147,058 (-15.7%) 0.00 21
2022-04-01 $110,000 (-40.7%) $180,924 (-29.8%) 0.00 22
2022-05-01 $122,450 (-23.4%) $185,792 (-0.1%) 0.00 31
Emporia's median listing price for 2022-05-01 was $122,450, a difference of $-37,450 (-23.4%) versus the prior year and $12,450 versus the prior month.

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

Emporia's average listing price for 2022-05-01 was $185,792, a difference of $-168 (-0.1%) versus the prior year and $4,868 versus the prior month.

For the 2022-05-01 period, Emporia had 31 MLS listings, a difference of 9 listings (41%) versus the prior month and 11 listings (55%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Emporia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,640 sqft
2018-02-01 0 days 1,417 sqft
2018-03-01 0 days 1,642 sqft
2018-04-01 0 days 1,981 sqft
2018-05-01 0 days 1,690 sqft
2018-06-01 0 days 1,748 sqft
2018-07-01 0 days 1,664 sqft
2018-08-01 0 days 1,656 sqft
2018-09-01 0 days 1,565 sqft
2018-10-01 0 days 1,627 sqft
2018-11-01 0 days 1,643 sqft
2018-12-01 0 days 1,742 sqft
2019-01-01 0 days 1,759 sqft
2019-02-01 0 days 1,670 sqft
2019-03-01 0 days 1,742 sqft
2019-04-01 0 days 1,791 sqft
2019-05-01 0 days 1,960 sqft
2019-06-01 0 days 1,916 sqft
2019-07-01 0 days 1,843 sqft
2019-08-01 0 days 1,780 sqft
2019-09-01 0 days 1,693 sqft
2019-10-01 0 days 1,650 sqft
2019-11-01 0 days 1,563 sqft
2019-12-01 0 days 1,561 sqft
2020-01-01 0 days 1,437 sqft
2020-02-01 0 days 1,433 sqft
2020-03-01 0 days 1,560 sqft
2020-04-01 0 days 1,630 sqft
2020-05-01 0 days 1,580 sqft
2020-06-01 0 days 1,700 sqft
2020-07-01 0 days 1,778 sqft
2020-08-01 0 days 1,592 sqft
2020-09-01 0 days 1,623 sqft
2020-10-01 0 days 1,653 sqft
2020-11-01 0 days 1,544 sqft
2020-12-01 0 days 1,501 sqft
2021-01-01 0 days 1,562 sqft
2021-02-01 0 days 1,577 sqft
2021-03-01 0 days 1,972 sqft
2021-04-01 0 days 1,928 sqft
2021-05-01 0 days 1,782 sqft
2021-06-01 0 days 1,352 sqft
2021-07-01 0 days 1,320 sqft
2021-08-01 0 days 1,362 sqft
2021-09-01 0 days 1,464 sqft
2021-10-01 0 days 1,462 sqft
2021-11-01 0 days 1,460 sqft
2021-12-01 0 days 1,352 sqft
2022-01-01 0 days 1,410 sqft
2022-02-01 0 days 1,433 sqft
2022-03-01 0 days 1,328 sqft
2022-04-01 0 days 1,340 sqft
2022-05-01 0 days 1,364 sqft
Emporia's median listing age (time on market) for 2022-05-01 was 0 days.

Emporia's median square footage for active listings during the 2022-05-01 period was 1,364 sqft. One year prior, the average listing was 1,782 sqft.