Garden City 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 Garden City averaged 6.6% for the week of 2025-03-27, compared to the national average of 6.65% for the same period.

    The average rate for the prior week (2025-03-20) was 6.52% and one month ago for the week of 2025-02-20, the average rate was 6.7%.

    Garden City's average rate one year ago was 6.92%.

    For refis of the same type during the week of 2025-03-27, the average rate was 7.05%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-03-27 6.65%
    Garden City 30 Year Fixed Rate 2025-03-27 6.6%
    Garden City 30 Year Fixed Rate Refi 2025-03-27 7.05%
    Garden City 15 Year Fixed Rate 2025-03-27 5.89%
    Garden City 15 Year Fixed Rate Refi 2025-03-27 6.49%
    Garden City 30 Year FHA 2025-03-27 6.27%
    Garden City 30 Year FHA Refi 2025-03-27 6.37%
    Garden City 30 Year USDA 2025-03-27 6.6%
    Garden City 30 Year USDA Refi 2025-03-27 6.4%
    Garden City 30 Year VA 2025-03-27 6.09%
    Garden City 30 Year VA Refi 2025-03-27 5.99%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Garden City, KS.

    Garden City 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 Garden City, 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
    GOLDEN PLAINS 46 6.40% $1,577
    Landmark National Bank 14 6.68% $1,950
    QUICKEN LOANS, LLC 12 7.02% $5,472
    GUARANTEED RATE, INC. 8 6.59% $4,291
    NBKC BANK 3 7.08% $3,410
    Equity Bank 2 6.56% $2,971
    Commerce Bank 2 6.63% $3,585
    M&T Bank 2 6.69% $6,397
    JPMorgan Chase Bank 1 7.38% $4,006
    MID AMERICA MORTGAGE, INC. 1 7.50% $5,810
    Mortgage Research Center, LLC 1 7.63% $8,869
    NAVY FEDERAL CREDIT UNION 1 7.13% $1,339
    PENNYMAC LOAN SERVICES, LLC 1 7.50% $5,700
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.63% $3,397
    T2 FINANCIAL LLC 1 6.63% $7,100
    UMB Bank 1 5.99% $3,246
    Union Bank and Trust Company 1 6.38% $2,653
    UNION HOME MORTGAGE CORP. 1 6.50% $4,763
    AMERISAVE MORTGAGE CORPORATION 1 6.38% $6,928
    USAA Federal Savings Bank 1 7.38% $2,135
    Arvest Bank 1 6.13% $2,378
    Central National Bank 1 6.38% $1,371
    CHURCHILL MORTGAGE CORPORATION 1 6.50% $4,644
    Deere Employees Credit Union 1 6.50% $2,307
    Discover Bank 1 6.99% $0
    Farm Credit Mid-America, ACA 1 7.88% $5,150
    GREAT RIVER FEDERAL CREDIT UNION 1 4.99% $3,904

    Garden City Average Closing Costs & Other Stats

    Garden City, KS's 27 lenders originated 331 loans during 2023. The total origination value was $53,335,000, with an average loan value of $161,133.

    Garden City's average closing costs are $3,651.

    The top Garden City lender as defined by loan originations is GOLDEN PLAINS, with 46 loans originated. Their average total fees are $1,577, which is $373 lower than the next largest lender, Landmark National Bank.

    The lowest fee Garden City lenders (with over 10 loans originated) are GOLDEN PLAINS ($1,577), Landmark National Bank ($1,950), QUICKEN LOANS, LLC ($5,472), .

    The lowest rate Garden City lenders (with over 10 loans originated) are GOLDEN PLAINS (6.40%), Landmark National Bank (6.68%), QUICKEN LOANS, LLC (7.02%), .

    Garden City, 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
    GOLDEN PLAINS $19,775,000 $15,195,000 -23.2% 28.5%
    QUICKEN LOANS, LLC $8,205,000 $6,115,000 -25.5% 11.5%
    Landmark National Bank $4,870,000 $4,920,000 1.0% 9.2%
    JPMorgan Chase Bank $560,000 $3,825,000 583.0% 7.2%
    GUARANTEED RATE, INC. $8,745,000 $3,560,000 -59.3% 6.7%
    Mortgage Research Center, LLC $1,065,000 $2,425,000 127.7% 4.5%
    UMB Bank $1,370,000 n/a 2.6%
    Commerce Bank $1,575,000 $1,225,000 -22.2% 2.3%
    NBKC BANK $755,000 n/a 1.4%
    AMERISAVE MORTGAGE CORPORATION $280,000 $670,000 139.3% 1.3%
    UNION HOME MORTGAGE CORP. $2,080,000 $570,000 -72.6% 1.1%
    FREEDOM MORTGAGE CORPORATION $610,000 $560,000 -8.2% 1.0%
    Equity Bank $1,150,000 $540,000 -53.0% 1.0%
    Mr. Cooper ( Nationstar Mortgage ) $820,000 $525,000 -36.0% 1.0%
    Wells Fargo Bank $3,545,000 $510,000 -85.6% 1.0%
    Deere Employees Credit Union $110,000 $460,000 318.2% 0.9%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $185,000 $450,000 143.2% 0.8%
    USAA Federal Savings Bank $1,055,000 $450,000 -57.3% 0.8%
    Arvest Bank $225,000 $440,000 95.6% 0.8%
    Sunflower Bank $415,000 n/a 0.8%
    PENNYMAC LOAN SERVICES, LLC $350,000 $410,000 17.1% 0.8%
    FLAT BRANCH MORTGAGE, INC. $370,000 n/a 0.7%
    Paramount Residential Mortgage Group, Inc. $365,000 n/a 0.7%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $335,000 n/a 0.6%
    Discover Bank $120,000 $320,000 166.7% 0.6%
    M&T Bank $320,000 n/a 0.6%
    MID AMERICA MORTGAGE, INC. $235,000 $285,000 21.3% 0.5%
    UNITED WHOLESALE MORTGAGE, LLC $285,000 n/a 0.5%
    Union Bank and Trust Company $270,000 n/a 0.5%
    NAVY FEDERAL CREDIT UNION $305,000 $265,000 -13.1% 0.5%
    AMERICAN FINANCIAL NETWORK, INC. $255,000 n/a 0.5%
    Members Mortgage Services, L.L.C. $245,000 n/a 0.5%
    Farm Credit Mid-America, ACA $225,000 n/a 0.4%
    NEWREZ LLC $410,000 $225,000 -45.1% 0.4%
    NEW DAY FINANCIAL, LLC $220,000 n/a 0.4%
    The Federal Savings Bank $215,000 n/a 0.4%
    LOANPAL, LLC $195,000 n/a 0.4%
    GREAT RIVER FEDERAL CREDIT UNION $195,000 $175,000 -10.3% 0.3%
    BROKER SOLUTIONS, INC. $525,000 $155,000 -70.5% 0.3%
    TJC Mortgage, Inc. $155,000 n/a 0.3%
    Central National Bank $145,000 n/a 0.3%
    PNC Bank $420,000 $140,000 -66.7% 0.3%
    CHURCHILL MORTGAGE CORPORATION $135,000 n/a 0.3%
    21ST MORTGAGE CORPORATION $680,000 $125,000 -81.6% 0.2%
    LONGBRIDGE FINANCIAL, LLC $125,000 n/a 0.2%
    T2 FINANCIAL LLC $115,000 n/a 0.2%
    BMO Harris Bank $115,000 $110,000 -4.3% 0.2%
    FINANCE OF AMERICA REVERSE LLC $85,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $75,000 n/a 0.1%
    Bank of America $105,000 $60,000 -42.9% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $55,000 n/a 0.1%
    RCB Bank $45,000 n/a 0.1%
    Figure Lending LLC $175,000 $25,000 -85.7% 0.0%
    Great Plains Federal Credit Un $25,000 n/a 0.0%

    Garden City's top lender by overall market share is GOLDEN PLAINS, with 28.5% market share. In second place, with 11.5%, is QUICKEN LOANS, LLC, having originated $6,115,000 in loans. In third place, with 9.2%, is Landmark National Bank, having originated $4,920,000 in loans. In fourth place, with 7.2%, is JPMorgan Chase Bank, having originated $3,825,000 in loans. In fifth place, with 6.7%, is GUARANTEED RATE, INC., having originated $3,560,000 in loans.

    Garden City Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Garden City (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 $210,500 (-2.0%) $243,729 (3.1%) 0.00 74
    2018-02-01 $213,750 (-0.5%) $247,490 (0.3%) 0.00 71
    2018-03-01 $215,000 (-5.4%) $250,785 (-0.2%) 0.00 67
    2018-04-01 $212,225 (-2.5%) $244,789 (-2.9%) 0.00 65
    2018-05-01 $214,000 (-5.5%) $244,693 (-8.3%) 0.00 71
    2018-06-01 $217,700 (-1.3%) $241,808 (-9.0%) 0.00 72
    2018-07-01 $219,700 (-1.9%) $253,772 (-6.6%) 0.00 72
    2018-08-01 $219,950 (-4.1%) $252,109 (-5.6%) 0.00 63
    2018-09-01 $219,950 (-2.2%) $263,710 (1.6%) 0.00 59
    2018-10-01 $222,175 (1.1%) $257,755 (0.2%) 0.00 69
    2018-11-01 $229,950 (5.7%) $266,612 (5.1%) 0.00 66
    2018-12-01 $229,700 (4.9%) $256,708 (1.3%) 0.00 67
    2019-01-01 $194,750 (-7.5%) $237,793 (-2.4%) 0.00 69
    2019-02-01 $221,250 (3.5%) $246,495 (-0.4%) 0.00 63
    2019-03-01 $222,457 (3.5%) $253,431 (1.1%) 0.00 61
    2019-04-01 $217,082 (2.3%) $244,010 (-0.3%) 0.00 64
    2019-05-01 $207,900 (-2.9%) $228,649 (-6.6%) 0.00 80
    2019-06-01 $196,900 (-9.6%) $236,081 (-2.4%) 0.00 76
    2019-07-01 $209,500 (-4.6%) $268,093 (5.6%) 0.00 87
    2019-08-01 $220,155 (0.1%) $269,268 (6.8%) 0.00 89
    2019-09-01 $236,886 (7.7%) $270,056 (2.4%) 0.00 93
    2019-10-01 $248,041 (11.6%) $270,854 (5.1%) 0.00 95
    2019-11-01 $245,950 (7.0%) $253,623 (-4.9%) 0.00 91
    2019-12-01 $239,950 (4.5%) $247,418 (-3.6%) 0.00 84
    2020-01-01 $239,950 (23.2%) $245,794 (3.4%) 0.00 79
    2020-02-01 $218,500 (-1.2%) $238,216 (-3.4%) 0.00 64
    2020-03-01 $217,075 (-2.4%) $235,505 (-7.1%) 0.00 66
    2020-04-01 $196,925 (-9.3%) $229,161 (-6.1%) 0.00 69
    2020-05-01 $223,000 (7.3%) $243,641 (6.6%) 0.00 65
    2020-06-01 $225,500 (14.5%) $248,173 (5.1%) 0.00 51
    2020-07-01 $236,950 (13.1%) $247,724 (-7.6%) 0.00 40
    2020-08-01 $255,000 (15.8%) $262,412 (-2.6%) 0.00 33
    2020-09-01 $229,950 (-2.9%) $250,153 (-7.4%) 0.00 34
    2020-10-01 $244,950 (-1.3%) $262,721 (-3.0%) 0.00 35
    2020-11-01 $242,725 (-1.3%) $274,047 (8.1%) 0.00 42
    2020-12-01 $229,000 (-4.6%) $250,554 (1.3%) 0.00 47
    2021-01-01 $232,900 (-2.9%) $259,219 (5.5%) 0.00 44
    2021-02-01 $243,950 (11.7%) $268,702 (12.8%) 0.00 41
    2021-03-01 $249,925 (15.1%) $271,737 (15.4%) 0.00 31
    2021-04-01 $241,175 (22.5%) $270,114 (17.9%) 0.00 26
    2021-05-01 $250,000 (12.1%) $272,174 (11.7%) 0.00 22
    2021-06-01 $245,475 (8.9%) $253,902 (2.3%) 0.00 17
    2021-07-01 $252,450 (6.5%) $283,409 (14.4%) 0.00 27
    2021-08-01 $243,000 (-4.7%) $298,128 (13.6%) 0.00 28
    2021-09-01 $227,225 (-1.2%) $302,153 (20.8%) 0.00 26
    2021-10-01 $225,000 (-8.1%) $296,445 (12.8%) 0.00 25
    2021-11-01 $233,250 (-3.9%) $294,260 (7.4%) 0.00 27
    2021-12-01 $224,200 (-2.1%) $289,585 (15.6%) 0.00 23
    2022-01-01 $193,450 (-16.9%) $280,418 (8.2%) 0.00 25
    2022-02-01 $253,475 (3.9%) $295,223 (9.9%) 0.00 26
    2022-03-01 $254,950 (2.0%) $283,131 (4.2%) 0.00 24
    2022-04-01 $265,000 (9.9%) $285,259 (5.6%) 0.00 24
    2022-05-01 $266,250 (6.5%) $302,723 (11.2%) 0.00 30
    2022-06-01 $284,450 (15.9%) $315,078 (24.1%) 0.00 42
    2022-07-01 $322,250 (27.7%) $374,870 (32.3%) 0.00 40
    2022-08-01 $336,125 (38.3%) $378,907 (27.1%) 0.00 44
    2022-09-01 $334,750 (47.3%) $374,850 (24.1%) 0.00 43
    2022-10-01 $311,788 (38.6%) $347,985 (17.4%) 0.00 47
    2022-11-01 $299,900 (28.6%) $324,667 (10.3%) 0.00 43
    2022-12-01 $295,000 (31.6%) $305,830 (5.6%) 0.00 36
    2023-01-01 $269,425 (39.3%) $284,596 (1.5%) 0.00 40
    2023-02-01 $269,900 (6.5%) $274,098 (-7.2%) 0.00 46
    2023-03-01 $278,450 (9.2%) $282,396 (-0.3%) 0.00 49
    2023-04-01 $267,900 (1.1%) $278,527 (-2.4%) 0.00 48
    2023-05-01 $266,150 (0.0%) $285,400 (-5.7%) 0.00 52
    2023-06-01 $263,975 (-7.2%) $281,147 (-10.8%) 0.00 62
    2023-07-01 $267,450 (-17.0%) $282,298 (-24.7%) 0.00 54
    2023-08-01 $269,975 (-19.7%) $283,277 (-25.2%) 0.00 57
    2023-09-01 $289,900 (-13.4%) $289,330 (-22.8%) 0.00 57
    2023-10-01 $287,500 (-7.8%) $287,788 (-17.3%) 0.00 71
    2023-11-01 $290,725 (-3.1%) $286,425 (-11.8%) 0.00 79
    2023-12-01 $285,000 (-3.4%) $284,749 (-6.9%) 0.00 80
    2024-01-01 $287,500 (6.7%) $284,310 (-0.1%) 0.00 82
    2024-02-01 $282,400 (4.6%) $282,818 (3.2%) 0.00 79
    2024-03-01 $285,000 (2.4%) $288,218 (2.1%) 0.00 81
    2024-04-01 $288,500 (7.7%) $295,052 (5.9%) 0.00 86
    2024-05-01 $289,900 (8.9%) $315,350 (10.5%) 0.00 86
    2024-06-01 $287,000 (8.7%) $305,868 (8.8%) 0.00 108
    2024-07-01 $283,475 (6.0%) $301,881 (6.9%) 0.00 102
    2024-08-01 $291,250 (7.9%) $303,747 (7.2%) 0.00 103
    2024-09-01 $295,450 (1.9%) $301,986 (4.4%) 0.00 99
    2024-10-01 $294,900 (2.6%) $312,956 (8.8%) 0.00 93
    2024-11-01 $295,500 (1.6%) $319,218 (11.5%) 0.00 97
    2024-12-01 $298,125 (4.6%) $336,293 (18.1%) 0.00 97
    2025-01-01 $291,225 (1.3%) $334,689 (17.7%) 0.00 91
    2025-02-01 $285,225 (1.0%) $326,387 (15.4%) 0.00 100
    Garden City's median listing price for 2025-02-01 was $285,225, a difference of $2,825 (1.0%) versus the prior year and $-6,000 versus the prior month.

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

    Garden City's average listing price for 2025-02-01 was $326,387, a difference of $43,569 (15.4%) versus the prior year and $-8,302 versus the prior month.

    For the 2025-02-01 period, Garden City had 100 MLS listings, a difference of 9 listings (10%) versus the prior month and 21 listings (27%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Garden City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,453 sqft
    2018-02-01 0 days 1,415 sqft
    2018-03-01 0 days 1,392 sqft
    2018-04-01 0 days 1,371 sqft
    2018-05-01 0 days 1,437 sqft
    2018-06-01 0 days 1,480 sqft
    2018-07-01 0 days 1,511 sqft
    2018-08-01 0 days 1,500 sqft
    2018-09-01 0 days 1,506 sqft
    2018-10-01 0 days 1,540 sqft
    2018-11-01 0 days 1,608 sqft
    2018-12-01 0 days 1,664 sqft
    2019-01-01 0 days 1,429 sqft
    2019-02-01 0 days 1,431 sqft
    2019-03-01 0 days 1,514 sqft
    2019-04-01 0 days 1,507 sqft
    2019-05-01 0 days 1,369 sqft
    2019-06-01 0 days 1,423 sqft
    2019-07-01 0 days 1,496 sqft
    2019-08-01 0 days 1,455 sqft
    2019-09-01 0 days 1,393 sqft
    2019-10-01 0 days 1,356 sqft
    2019-11-01 0 days 1,418 sqft
    2019-12-01 0 days 1,379 sqft
    2020-01-01 0 days 1,372 sqft
    2020-02-01 0 days 1,407 sqft
    2020-03-01 0 days 1,388 sqft
    2020-04-01 0 days 1,359 sqft
    2020-05-01 0 days 1,383 sqft
    2020-06-01 0 days 1,386 sqft
    2020-07-01 0 days 1,450 sqft
    2020-08-01 0 days 1,516 sqft
    2020-09-01 0 days 1,453 sqft
    2020-10-01 0 days 1,419 sqft
    2020-11-01 0 days 1,445 sqft
    2020-12-01 0 days 1,344 sqft
    2021-01-01 0 days 1,346 sqft
    2021-02-01 0 days 1,355 sqft
    2021-03-01 0 days 1,407 sqft
    2021-04-01 0 days 1,476 sqft
    2021-05-01 0 days 1,384 sqft
    2021-06-01 0 days 1,395 sqft
    2021-07-01 0 days 1,367 sqft
    2021-08-01 0 days 1,357 sqft
    2021-09-01 0 days 1,411 sqft
    2021-10-01 0 days 1,474 sqft
    2021-11-01 0 days 1,373 sqft
    2021-12-01 0 days 1,363 sqft
    2022-01-01 0 days 1,334 sqft
    2022-02-01 0 days 1,526 sqft
    2022-03-01 0 days 1,380 sqft
    2022-04-01 0 days 1,372 sqft
    2022-05-01 0 days 1,347 sqft
    2022-06-01 0 days 1,380 sqft
    2022-07-01 0 days 1,402 sqft
    2022-08-01 0 days 1,519 sqft
    2022-09-01 0 days 1,513 sqft
    2022-10-01 0 days 1,489 sqft
    2022-11-01 0 days 1,470 sqft
    2022-12-01 0 days 1,380 sqft
    2023-01-01 0 days 1,373 sqft
    2023-02-01 0 days 1,349 sqft
    2023-03-01 0 days 1,367 sqft
    2023-04-01 0 days 1,364 sqft
    2023-05-01 0 days 1,402 sqft
    2023-06-01 0 days 1,318 sqft
    2023-07-01 0 days 1,371 sqft
    2023-08-01 0 days 1,343 sqft
    2023-09-01 0 days 1,345 sqft
    2023-10-01 0 days 1,283 sqft
    2023-11-01 0 days 1,314 sqft
    2023-12-01 0 days 1,310 sqft
    2024-01-01 0 days 1,320 sqft
    2024-02-01 0 days 1,318 sqft
    2024-03-01 0 days 1,332 sqft
    2024-04-01 0 days 1,355 sqft
    2024-05-01 0 days 1,391 sqft
    2024-06-01 0 days 1,377 sqft
    2024-07-01 0 days 1,375 sqft
    2024-08-01 0 days 1,335 sqft
    2024-09-01 0 days 1,342 sqft
    2024-10-01 0 days 1,380 sqft
    2024-11-01 0 days 1,344 sqft
    2024-12-01 0 days 1,344 sqft
    2025-01-01 0 days 1,308 sqft
    2025-02-01 0 days 1,305 sqft
    Garden City's median listing age (time on market) for 2025-02-01 was 0 days.

    Garden City's median square footage for active listings during the 2025-02-01 period was 1,305 sqft. One year prior, the average listing was 1,318 sqft.

    Garden City, KS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 194 $41,080,000 $211,753
    Other 56 $2,890,000 $51,607
    Cash Out Refi 42 $6,160,000 $146,667
    Home Improvement 23 $1,285,000 $55,870
    Refi 16 $1,920,000 $120,000

    Garden City's most frequently cited loan purpose was Home Purchase, with 194 originations. The 2nd most popular reason was Other, with 56 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 130 $24,100,000 $185,385
    7-8% 104 $13,260,000 $127,500
    5-6% 47 $12,375,000 $263,298
    Over 8% 39 $2,285,000 $58,590
    <2.5% 4 $80,000 $20,000
    4-5% 4 $910,000 $227,500
    2.5-3% 3 $325,000 $108,333

    During 2023, Garden City's most frequently originated rate bucket was 6-7%, with 130 originations.

    Loan Sizing (Garden City, KS MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 120 $5,690,000 $47,417
    $100k-200k 104 $15,930,000 $153,173
    $200k-400k 101 $26,245,000 $259,851
    $400k-600k 5 $2,105,000 $421,000
    $Over $1MM 1 $3,365,000 $3,365,000

    Garden City's loan sizing saw the bucket of loans from $100,000 or less with 120 originations, totaling $5,690,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 145 $32,205,000 $222,103
    Under 20% 52 $1,560,000 $30,000
    60-80% 51 $11,385,000 $223,235
    20-40% 44 $2,700,000 $61,364
    40-60% 32 $4,310,000 $134,688
    Over 100% 5 $1,105,000 $221,000

    Garden City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 145 originations, totaling $32,205,000 in origination value.