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 6.63% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 6.94% and one month ago for the week of 2024-10-10, the average rate was 6.17%.

    Emporia's average rate one year ago was 7.35%.

    For refis of the same type during the week of 2024-11-14, the average rate was 7.18%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Emporia 30 Year Fixed Rate 2024-11-14 6.63%
    Emporia 30 Year Fixed Rate Refi 2024-11-14 7.18%
    Emporia 15 Year Fixed Rate 2024-11-14 5.99%
    Emporia 15 Year Fixed Rate Refi 2024-11-14 5.89%
    Emporia 30 Year FHA 2024-11-14 0.2%
    Emporia 30 Year FHA Refi 2024-11-14 -0.1%
    Emporia 30 Year USDA 2024-11-14 -0.2%
    Emporia 30 Year USDA Refi 2024-11-14 0.1%
    Emporia 30 Year VA 2024-11-14 -0.2%
    Emporia 30 Year VA Refi 2024-11-14 0%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    NBH Bank 50 6.66% $2,519
    ESB Financial 37 6.54% $1,795
    QUICKEN LOANS, LLC 9 6.72% $6,557
    Community National Bank & Trust 6 7.24% $2,785
    Farm Credit Mid-America, ACA 5 6.88% $7,292
    U.S. Bank 2 6.81% $2,772
    UNITED WHOLESALE MORTGAGE, LLC 2 7.64% $3,350
    Capitol Federal Savings Bank 2 6.69% $2,007
    Mr. Cooper ( Nationstar Mortgage ) 2 7.31% $5,251
    Emprise Bank 1 6.63% $2,229
    Equity Bank 1 7.38% $3,420
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.49% $2,853
    Fifth Third Bank 1 7.25% $3,849
    First Bank 1 6.50% $4,366
    FLAT BRANCH MORTGAGE, INC. 1 6.63% $8,523
    Gateway First Bank 1 6.88% $2,600
    GUARANTEED RATE, INC. 1 6.30% $2,633
    LAKEVIEW LOAN SERVICING, LLC 1 6.63% $4,295
    Landmark National Bank 1 6.38% $2,003
    MERITRUST Federal Credit Union 1 6.50% $2,383
    Mid-America Bank 1 7.75% $1,885
    Midwest Mortgage Associates Corporation 1 6.63% $3,579
    MORTGAGE ACCESS CORP. 1 7.99% $4,072
    Mortgage Investment Services Corporation 1 7.88% $1,001
    Mortgage Research Center, LLC 1 6.63% $3,439
    NAVY FEDERAL CREDIT UNION 1 6.50% $1,554
    NBKC BANK 1 7.13% $1,710
    NETWORK CAPITAL FUNDING CORPORATION 1 9.88% $8,870
    PREMIA MORTGAGE, LLC 1 6.50% $81
    Prosperity Home Mortgage, LLC 1 6.63% $2,415
    Regent Financial Group, Inc. 1 7.63% $4,913
    V.I.P. MORTGAGE, INC. 1 6.50% $6,464
    Wells Fargo Bank 1 6.88% $4,775
    ALLIED MORTGAGE GROUP, INC. 1 7.88% $1,772
    ZILLOW HOME LOANS, LLC 1 6.88% $5,623
    AMERICAN FINANCIAL NETWORK, INC. 1 8.25% $7,937
    Arvest Bank 1 5.38% $3,157
    Bank of America 1 5.75% $7,203
    BAY EQUITY LLC 1 6.50% $3,839
    BETTER MORTGAGE CORPORATION 1 5.50% $8,816
    Central National Bank 1 6.25% $2,862
    Commerce Bank 1 6.13% $2,237
    Community First National Bank 1 6.88% $2,714

    Emporia Average Closing Costs & Other Stats

    Emporia, KS's 43 lenders originated 408 loans during 2023. The total origination value was $70,680,000, with an average loan value of $173,235.

    Emporia's average closing costs are $3,159.

    The top Emporia lender as defined by loan originations is NBH Bank, with 50 loans originated. Their average total fees are $2,519, which is $724 higher than the next largest lender, ESB Financial.

    The lowest fee Emporia lenders (with over 10 loans originated) are ESB Financial ($1,795), NBH Bank ($2,519), .

    The lowest rate Emporia lenders (with over 10 loans originated) are ESB Financial (6.54%), NBH Bank (6.66%), .

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    NBH Bank $18,915,000 $12,875,000 -31.9% 18.2%
    ESB Financial $16,790,000 $11,755,000 -30.0% 16.6%
    Community National Bank & Trust $3,120,000 $5,335,000 71.0% 7.5%
    ORIX REAL ESTATE CAPITAL, LLC $2,265,000 $4,735,000 109.1% 6.7%
    Equity Bank $3,245,000 n/a 4.6%
    QUICKEN LOANS, LLC $5,610,000 $3,010,000 -46.3% 4.3%
    VANDERBILT MORTGAGE AND FINANCE, INC. $2,005,000 n/a 2.8%
    Farm Credit Mid-America, ACA $1,265,000 $1,870,000 47.8% 2.6%
    FLINT HILLS BANK $1,525,000 n/a 2.2%
    Farmers and Drovers Bank $260,000 $1,175,000 351.9% 1.7%
    Citizens State Bank $1,080,000 n/a 1.5%
    Intrust Bank $1,055,000 n/a 1.5%
    Mortgage Research Center, LLC $1,105,000 $955,000 -13.6% 1.4%
    UNITED WHOLESALE MORTGAGE, LLC $445,000 $835,000 87.6% 1.2%
    Hawthorn Bank $605,000 n/a 0.9%
    Capitol Federal Savings Bank $2,875,000 $590,000 -79.5% 0.8%
    PENNYMAC LOAN SERVICES, LLC $485,000 $565,000 16.5% 0.8%
    NAVY FEDERAL CREDIT UNION $1,025,000 $525,000 -48.8% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $85,000 $500,000 488.2% 0.7%
    LEADERONE FINANCIAL CORPORATION $85,000 $495,000 482.4% 0.7%
    Mortgage Investment Services Corporation $1,400,000 $470,000 -66.4% 0.7%
    U.S. Bank $470,000 n/a 0.7%
    Members Mortgage Services, L.L.C. $505,000 $435,000 -13.9% 0.6%
    NBKC BANK $400,000 n/a 0.6%
    Arvest Bank $970,000 $395,000 -59.3% 0.6%
    AMERISAVE MORTGAGE CORPORATION $380,000 n/a 0.5%
    FLAT BRANCH MORTGAGE, INC. $380,000 n/a 0.5%
    Mid-America Bank $370,000 n/a 0.5%
    Community First National Bank $360,000 n/a 0.5%
    Wells Fargo Bank $240,000 $360,000 50.0% 0.5%
    PREMIA MORTGAGE, LLC $355,000 n/a 0.5%
    GUARANTEED RATE, INC. $350,000 n/a 0.5%
    Emprise Bank $90,000 $340,000 277.8% 0.5%
    Pathway Bank $335,000 n/a 0.5%
    Citizens Bank of Kansas $325,000 $320,000 -1.5% 0.5%
    Landmark National Bank $290,000 $320,000 10.3% 0.5%
    PLANET HOME LENDING, LLC $240,000 $285,000 18.8% 0.4%
    V.I.P. MORTGAGE, INC. $285,000 n/a 0.4%
    Discover Bank $275,000 n/a 0.4%
    MORTGAGE ACCESS CORP. $275,000 n/a 0.4%
    USAA Federal Savings Bank $655,000 $275,000 -58.0% 0.4%
    AMERICAN FINANCIAL NETWORK, INC. $265,000 n/a 0.4%
    Equity Prime Mortgage LLC $265,000 n/a 0.4%
    Commerce Bank $55,000 $255,000 363.6% 0.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $160,000 $235,000 46.9% 0.3%
    Fifth Third Bank $215,000 n/a 0.3%
    BETTER MORTGAGE CORPORATION $205,000 n/a 0.3%
    TRIAD FINANCIAL SERVICES, INC. $45,000 $200,000 344.4% 0.3%
    ALLIED MORTGAGE GROUP, INC. $195,000 n/a 0.3%
    ZILLOW HOME LOANS, LLC $390,000 $195,000 -50.0% 0.3%
    The Kansas State Bank $190,000 n/a 0.3%
    Bank of Bennington $185,000 n/a 0.3%
    LYNDON STATE BANK $185,000 n/a 0.3%
    SPRING EQ, LLC $175,000 n/a 0.2%
    BAY EQUITY LLC $175,000 $165,000 -5.7% 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $535,000 $165,000 -69.2% 0.2%
    MERITRUST Federal Credit Union $115,000 $150,000 30.4% 0.2%
    MORIA DEVELOPMENT, INC. $145,000 n/a 0.2%
    NETWORK CAPITAL FUNDING CORPORATION $145,000 n/a 0.2%
    DEEPHAVEN MORTGAGE LLC $135,000 n/a 0.2%
    Gateway First Bank $230,000 $135,000 -41.3% 0.2%
    Bank of America $90,000 $125,000 38.9% 0.2%
    BROKER SOLUTIONS, INC. $320,000 $125,000 -60.9% 0.2%
    Central National Bank $320,000 $115,000 -64.1% 0.2%
    NEW DAY FINANCIAL, LLC $115,000 n/a 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $615,000 $105,000 -82.9% 0.1%
    FREEDOM MORTGAGE CORPORATION $350,000 $105,000 -70.0% 0.1%
    Prosperity Home Mortgage, LLC $135,000 $105,000 -22.2% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $205,000 $95,000 -53.7% 0.1%
    ROYAL UNITED MORTGAGE LLC $85,000 n/a 0.1%
    Community National Bank $75,000 n/a 0.1%
    First Bank $75,000 n/a 0.1%
    Midwest Mortgage Associates Corporation $75,000 n/a 0.1%
    Regent Financial Group, Inc. $65,000 n/a 0.1%
    WHITE EAGLE Credit Union $65,000 n/a 0.1%
    PNC Bank $25,000 $55,000 120.0% 0.1%
    STAR USA FEDERAL CREDIT UNION $55,000 n/a 0.1%
    Carrington Mortgage Services, LLC $45,000 n/a 0.1%
    Figure Lending LLC $55,000 $45,000 -18.2% 0.1%
    THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS $35,000 n/a 0.0%
    Coastal Community Bank $25,000 n/a 0.0%
    BOKF $15,000 n/a 0.0%
    The Citizens State Bank $5,000 n/a 0.0%

    Emporia's top lender by overall market share is NBH Bank, with 18.2% market share. In second place, with 16.6%, is ESB Financial, having originated $11,755,000 in loans. In third place, with 7.5%, is Community National Bank & Trust, having originated $5,335,000 in loans. In fourth place, with 6.7%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $4,735,000 in loans. In fifth place, with 4.6%, is Equity Bank, having originated $3,245,000 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%) $197,357 (-34.5%) 0.00 28
    2024-04-01 $174,900 (-2.8%) $206,383 (-22.6%) 0.00 27
    2024-05-01 $182,400 (-12.1%) $248,055 (-9.9%) 0.00 32
    2024-06-01 $179,900 (-12.7%) $245,988 (-9.8%) 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
    Emporia's median listing price for 2024-10-01 was $189,650, a difference of $4,650 (2.5%) versus the prior year and $10,275 versus the prior month.

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

    Emporia's average listing price for 2024-10-01 was $225,724, a difference of $-13,388 (-5.6%) versus the prior year and $14,497 versus the prior month.

    For the 2024-10-01 period, Emporia had 54 MLS listings, a difference of 9 listings (20%) versus the prior month and 11 listings (26%) 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 1,594 sqft
    2024-05-01 0 days 1,754 sqft
    2024-06-01 0 days 1,835 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
    Emporia's median listing age (time on market) for 2024-10-01 was 0 days.

    Emporia's median square footage for active listings during the 2024-10-01 period was 1,551 sqft. One year prior, the average listing was 1,973 sqft.

    Emporia, KS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 277 $48,655,000 $175,650
    Refi 58 $16,730,000 $288,448
    Home Improvement 30 $1,650,000 $55,000
    Cash Out Refi 27 $2,735,000 $101,296
    Other 16 $910,000 $56,875

    Emporia's most frequently cited loan purpose was Home Purchase, with 277 originations. The 2nd most popular reason was Refi, with 58 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 151 $25,235,000 $167,119
    7-8% 82 $12,890,000 $157,195
    Over 8% 74 $12,210,000 $165,000
    5-6% 37 $6,055,000 $163,649
    4-5% 3 $1,285,000 $428,333
    <2.5% 1 $4,735,000 $4,735,000

    During 2023, Emporia's most frequently originated rate bucket was 6-7%, with 151 originations.

    Loan Sizing (Emporia, KS MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 160 $23,010,000 $143,813
    $100,000 or less 159 $8,625,000 $54,245
    $200k-400k 75 $20,385,000 $271,800
    $Over $1MM 7 $14,525,000 $2,075,000
    $600k-1000k 4 $2,790,000 $697,500
    $400k-600k 3 $1,345,000 $448,333

    Emporia's loan sizing saw the bucket of loans from $100k-200k with 160 originations, totaling $23,010,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 169 $27,895,000 $165,059
    60-80% 85 $17,775,000 $209,118
    20-40% 33 $3,785,000 $114,697
    40-60% 31 $3,935,000 $126,935
    Under 20% 23 $725,000 $31,522
    Over 100% 6 $8,290,000 $1,381,667

    Emporia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 169 originations, totaling $27,895,000 in origination value.