Emporia Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Emporia averaged 6.84% for the week of 2025-07-10, compared to the national average of 6.72% for the same period.

    The average rate for the prior week (2025-07-03) was 6.69% and one month ago for the week of 2025-06-05, the average rate was 6.67%.

    Emporia's average rate one year ago was 7.07%.

    For refis of the same type during the week of 2025-07-10, the average rate was 6.82%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-10 6.72%
    Emporia 30 Year Fixed Rate 2025-07-10 6.84%
    Emporia 30 Year Fixed Rate Refi 2025-07-10 6.82%
    Emporia 15 Year Fixed Rate 2025-07-10 5.76%
    Emporia 15 Year Fixed Rate Refi 2025-07-10 6.16%
    Emporia 30 Year FHA 2025-07-10 6.72%
    Emporia 30 Year FHA Refi 2025-07-10 6.62%
    Emporia 30 Year USDA 2025-07-10 6.55%
    Emporia 30 Year USDA Refi 2025-07-10 6.35%
    Emporia 30 Year VA 2025-07-10 6.17%
    Emporia 30 Year VA Refi 2025-07-10 6.37%
    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 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.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    NBH Bank 49 6.60% $2,444
    ESB Financial 14 6.84% $1,985
    QUICKEN LOANS, LLC 10 6.94% $6,305
    Capitol Federal Savings Bank 8 6.39% $2,493
    GUILD MORTGAGE COMPANY 4 6.97% $3,236
    Farm Credit Mid-America, ACA 3 7.17% $6,649
    Community National Bank & Trust 3 7.58% $2,578
    BROKER SOLUTIONS, INC. 3 7.08% $7,014
    Century Mortgage Company DBA Century Lending Company 2 6.75% $6,862
    JPMorgan Chase Bank 2 7.24% $5,707
    FLAT BRANCH MORTGAGE, INC. 2 6.68% $3,578
    UNITED WHOLESALE MORTGAGE, LLC 2 7.00% $9,458
    NAVY FEDERAL CREDIT UNION 2 7.19% $2,906
    LEADERONE FINANCIAL CORPORATION 2 6.75% $6,060
    Wells Fargo Bank 1 6.50% $2,997
    DAS Acquisition Company, LLC 1 7.50% $4,044
    Equity Bank 1 7.25% $2,880
    Fidelity Bank 1 6.50% $3,241
    Flagstar Bank, FSB 1 6.99% $2,768
    Great Southern Bank 1 7.00% $2,913
    GUARANTEED RATE, INC. 1 6.99% $3,410
    LOANDEPOT.COM, LLC 1 6.63% $4,650
    LOANPAL, LLC 1 6.99% $8,269
    Mortgage Investment Services Corporation 1 6.63% $2,917
    PREMIA MORTGAGE, LLC 1 5.99% $2,457
    SUMMIT FUNDING, INC. 1 7.13% $3,979
    BAY EQUITY LLC 1 7.38% $2,695

    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 Housing Market Trends (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 $111,525 (-8.6%) $152,019 (-2.1%) 0.00 71
    2018-02-01 $104,675 (0.9%) $144,482 (-3.8%) 0.00 69
    2018-03-01 $118,500 (26.8%) $164,171 (12.7%) 0.00 73
    2018-04-01 $129,175 (40.6%) $170,343 (23.3%) 0.00 79
    2018-05-01 $97,900 (-17.2%) $153,980 (1.7%) 0.00 79
    2018-06-01 $122,750 (-0.8%) $158,238 (0.2%) 0.00 88
    2018-07-01 $122,125 (11.1%) $155,716 (13.6%) 0.00 104
    2018-08-01 $119,900 (8.4%) $159,059 (15.1%) 0.00 107
    2018-09-01 $113,900 (1.8%) $148,447 (4.0%) 0.00 106
    2018-10-01 $115,475 (-0.7%) $150,539 (2.3%) 0.00 108
    2018-11-01 $112,425 (-1.7%) $148,176 (4.1%) 0.00 111
    2018-12-01 $116,900 (-1.4%) $151,530 (-1.5%) 0.00 95
    2019-01-01 $117,450 (5.3%) $155,693 (2.4%) 0.00 86
    2019-02-01 $120,550 (15.2%) $150,165 (3.9%) 0.00 85
    2019-03-01 $139,000 (17.3%) $171,654 (4.6%) 0.00 82
    2019-04-01 $156,750 (21.4%) $198,044 (16.3%) 0.00 81
    2019-05-01 $169,425 (73.1%) $205,346 (33.4%) 0.00 77
    2019-06-01 $165,000 (34.4%) $198,543 (25.5%) 0.00 92
    2019-07-01 $147,100 (20.5%) $178,260 (14.5%) 0.00 90
    2019-08-01 $138,155 (15.2%) $176,439 (10.9%) 0.00 95
    2019-09-01 $127,886 (12.3%) $169,694 (14.3%) 0.00 94
    2019-10-01 $119,900 (3.8%) $164,188 (9.1%) 0.00 94
    2019-11-01 $122,450 (8.9%) $155,739 (5.1%) 0.00 81
    2019-12-01 $114,900 (-1.7%) $155,215 (2.4%) 0.00 66
    2020-01-01 $104,450 (-11.1%) $147,202 (-5.5%) 0.00 62
    2020-02-01 $95,900 (-20.5%) $144,059 (-4.1%) 0.00 66
    2020-03-01 $134,900 (-3.0%) $164,061 (-4.4%) 0.00 76
    2020-04-01 $149,800 (-4.4%) $176,060 (-11.1%) 0.00 74
    2020-05-01 $149,900 (-11.5%) $171,697 (-16.4%) 0.00 72
    2020-06-01 $169,225 (2.6%) $177,396 (-10.7%) 0.00 66
    2020-07-01 $178,675 (21.5%) $978,691 (449.0%) 0.00 57
    2020-08-01 $149,450 (8.2%) $168,428 (-4.5%) 0.00 57
    2020-09-01 $152,925 (19.6%) $178,843 (5.4%) 0.00 59
    2020-10-01 $144,900 (20.9%) $181,198 (10.4%) 0.00 65
    2020-11-01 $138,800 (13.4%) $195,333 (25.4%) 0.00 46
    2020-12-01 $140,594 (22.4%) $183,154 (18.0%) 0.00 42
    2021-01-01 $128,450 (23.0%) $164,120 (11.5%) 0.00 44
    2021-02-01 $134,900 (40.7%) $166,242 (15.4%) 0.00 36
    2021-03-01 $140,050 (3.8%) $182,327 (11.1%) 0.00 32
    2021-04-01 $167,513 (11.8%) $255,168 (44.9%) 0.00 34
    2021-05-01 $152,000 (1.4%) $176,318 (2.7%) 0.00 23
    2021-06-01 $107,975 (-36.2%) $164,218 (-7.4%) 0.00 36
    2021-07-01 $99,900 (-44.1%) $143,997 (-85.3%) 0.00 46
    2021-08-01 $146,175 (-2.2%) $156,324 (-7.2%) 0.00 50
    2021-09-01 $147,900 (-3.3%) $160,609 (-10.2%) 0.00 46
    2021-10-01 $139,450 (-3.8%) $159,088 (-12.2%) 0.00 49
    2021-11-01 $118,650 (-14.5%) $141,857 (-27.4%) 0.00 31
    2021-12-01 $122,400 (-12.9%) $149,057 (-18.6%) 0.00 35
    2022-01-01 $129,900 (1.1%) $149,297 (-9.0%) 0.00 29
    2022-02-01 $106,675 (-20.9%) $151,701 (-8.8%) 0.00 21
    2022-03-01 $111,050 (-20.7%) $143,041 (-21.6%) 0.00 25
    2022-04-01 $108,000 (-35.5%) $161,928 (-36.5%) 0.00 25
    2022-05-01 $122,200 (-19.6%) $178,055 (1.0%) 0.00 34
    2022-06-01 $164,450 (52.3%) $211,711 (28.9%) 0.00 28
    2022-07-01 $174,250 (74.4%) $233,069 (61.9%) 0.00 38
    2022-08-01 $177,750 (21.6%) $231,925 (48.4%) 0.00 39
    2022-09-01 $199,900 (35.2%) $242,690 (51.1%) 0.00 36
    2022-10-01 $173,500 (24.4%) $232,676 (46.3%) 0.00 35
    2022-11-01 $223,675 (88.5%) $245,387 (73.0%) 0.00 34
    2022-12-01 $205,000 (67.5%) $222,662 (49.4%) 0.00 31
    2023-01-01 $191,150 (47.2%) $233,202 (56.2%) 0.00 31
    2023-02-01 $199,900 (87.4%) $302,358 (99.3%) 0.00 31
    2023-03-01 $198,650 (78.9%) $301,245 (110.6%) 0.00 31
    2023-04-01 $179,900 (66.6%) $266,488 (64.6%) 0.00 34
    2023-05-01 $207,450 (69.8%) $275,383 (54.7%) 0.00 26
    2023-06-01 $205,950 (25.2%) $272,687 (28.8%) 0.00 30
    2023-07-01 $221,450 (27.1%) $290,866 (24.8%) 0.00 31
    2023-08-01 $223,650 (25.8%) $275,660 (18.9%) 0.00 34
    2023-09-01 $195,500 (-2.2%) $253,180 (4.3%) 0.00 38
    2023-10-01 $185,000 (6.6%) $239,112 (2.8%) 0.00 43
    2023-11-01 $167,500 (-25.1%) $241,114 (-1.7%) 0.00 34
    2023-12-01 $169,000 (-17.6%) $230,050 (3.3%) 0.00 26
    2024-01-01 $177,875 (-6.9%) $225,648 (-3.2%) 0.00 27
    2024-02-01 $199,900 (0.0%) $210,254 (-30.5%) 0.00 26
    2024-03-01 $194,900 (-1.9%) $197,576 (-34.4%) 0.00 29
    2024-04-01 $176,200 (-2.1%) $207,637 (-22.1%) 0.00 28
    2024-05-01 $183,425 (-11.6%) $239,775 (-12.9%) 0.00 33
    2024-06-01 $179,950 (-12.6%) $242,467 (-11.1%) 0.00 38
    2024-07-01 $187,500 (-15.3%) $235,152 (-19.2%) 0.00 47
    2024-08-01 $188,750 (-15.6%) $225,687 (-18.1%) 0.00 46
    2024-09-01 $179,375 (-8.3%) $211,227 (-16.6%) 0.00 45
    2024-10-01 $189,650 (2.5%) $225,724 (-5.6%) 0.00 54
    2024-11-01 $199,900 (19.3%) $256,694 (6.5%) 0.00 51
    2024-12-01 $189,950 (12.4%) $283,025 (23.0%) 0.00 46
    2025-01-01 $193,500 (8.8%) $269,416 (19.4%) 0.00 41
    2025-02-01 $192,450 (-3.7%) $263,974 (25.6%) 0.00 39
    2025-03-01 $229,900 (18.0%) $266,730 (35.0%) 0.00 52
    2025-04-01 $227,050 (28.9%) $255,707 (23.2%) 0.00 60
    2025-05-01 $226,900 (23.7%) $244,589 (2.0%) 0.00 67
    2025-06-01 $184,900 (2.8%) $227,746 (-6.1%) 0.00 84
    Emporia's median listing price for 2025-06-01 was $184,900, a difference of $4,950 (2.8%) versus the prior year and $-42,000 versus the prior month.

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

    Emporia's average listing price for 2025-06-01 was $227,746, a difference of $-14,721 (-6.1%) versus the prior year and $-16,843 versus the prior month.

    For the 2025-06-01 period, Emporia had 84 MLS listings, a difference of 17 listings (25%) versus the prior month and 46 listings (121%) 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 1,585 sqft
    2018-02-01 0 days 1,380 sqft
    2018-03-01 0 days 1,551 sqft
    2018-04-01 0 days 1,736 sqft
    2018-05-01 0 days 1,485 sqft
    2018-06-01 0 days 1,656 sqft
    2018-07-01 0 days 1,622 sqft
    2018-08-01 0 days 1,597 sqft
    2018-09-01 0 days 1,543 sqft
    2018-10-01 0 days 1,525 sqft
    2018-11-01 0 days 1,535 sqft
    2018-12-01 0 days 1,577 sqft
    2019-01-01 0 days 1,696 sqft
    2019-02-01 0 days 1,610 sqft
    2019-03-01 0 days 1,680 sqft
    2019-04-01 0 days 1,735 sqft
    2019-05-01 0 days 1,914 sqft
    2019-06-01 0 days 1,872 sqft
    2019-07-01 0 days 1,742 sqft
    2019-08-01 0 days 1,766 sqft
    2019-09-01 0 days 1,717 sqft
    2019-10-01 0 days 1,631 sqft
    2019-11-01 0 days 1,554 sqft
    2019-12-01 0 days 1,547 sqft
    2020-01-01 0 days 1,437 sqft
    2020-02-01 0 days 1,352 sqft
    2020-03-01 0 days 1,527 sqft
    2020-04-01 0 days 1,567 sqft
    2020-05-01 0 days 1,635 sqft
    2020-06-01 0 days 1,700 sqft
    2020-07-01 0 days 1,771 sqft
    2020-08-01 0 days 1,592 sqft
    2020-09-01 0 days 1,722 sqft
    2020-10-01 0 days 1,711 sqft
    2020-11-01 0 days 1,616 sqft
    2020-12-01 0 days 1,564 sqft
    2021-01-01 0 days 1,564 sqft
    2021-02-01 0 days 1,560 sqft
    2021-03-01 0 days 1,884 sqft
    2021-04-01 0 days 1,826 sqft
    2021-05-01 0 days 1,654 sqft
    2021-06-01 0 days 1,358 sqft
    2021-07-01 0 days 1,340 sqft
    2021-08-01 0 days 1,376 sqft
    2021-09-01 0 days 1,486 sqft
    2021-10-01 0 days 1,480 sqft
    2021-11-01 0 days 1,460 sqft
    2021-12-01 0 days 1,374 sqft
    2022-01-01 0 days 1,417 sqft
    2022-02-01 0 days 1,396 sqft
    2022-03-01 0 days 1,305 sqft
    2022-04-01 0 days 1,248 sqft
    2022-05-01 0 days 1,376 sqft
    2022-06-01 0 days 1,636 sqft
    2022-07-01 0 days 1,745 sqft
    2022-08-01 0 days 1,811 sqft
    2022-09-01 0 days 1,775 sqft
    2022-10-01 0 days 1,844 sqft
    2022-11-01 0 days 1,839 sqft
    2022-12-01 0 days 1,759 sqft
    2023-01-01 0 days 1,729 sqft
    2023-02-01 0 days 1,818 sqft
    2023-03-01 0 days 1,889 sqft
    2023-04-01 0 days 2,091 sqft
    2023-05-01 0 days 1,911 sqft
    2023-06-01 0 days 1,882 sqft
    2023-07-01 0 days 2,226 sqft
    2023-08-01 0 days 1,935 sqft
    2023-09-01 0 days 1,906 sqft
    2023-10-01 0 days 1,973 sqft
    2023-11-01 0 days 1,921 sqft
    2023-12-01 0 days 1,951 sqft
    2024-01-01 0 days 1,726 sqft
    2024-02-01 0 days 1,686 sqft
    2024-03-01 0 days 1,516 sqft
    2024-04-01 0 days 1,581 sqft
    2024-05-01 0 days 1,695 sqft
    2024-06-01 0 days 1,805 sqft
    2024-07-01 0 days 1,702 sqft
    2024-08-01 0 days 1,694 sqft
    2024-09-01 0 days 1,581 sqft
    2024-10-01 0 days 1,551 sqft
    2024-11-01 0 days 1,553 sqft
    2024-12-01 0 days 1,498 sqft
    2025-01-01 0 days 1,396 sqft
    2025-02-01 0 days 1,699 sqft
    2025-03-01 0 days 1,713 sqft
    2025-04-01 0 days 1,829 sqft
    2025-05-01 0 days 1,860 sqft
    2025-06-01 0 days 1,777 sqft
    Emporia's median listing age (time on market) for 2025-06-01 was 0 days.

    Emporia's median square footage for active listings during the 2025-06-01 period was 1,777 sqft. One year prior, the average listing was 1,805 sqft.

    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.