Hays Mortgage Rates

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  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
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  • Market Conditions & Pricing
  • Time on Market/Property Size
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Hays averaged 5.85% 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 6.02% and one month ago for the week of 2022-05-19, the average rate was 5.49%.

    Hays's average rate one year ago was 3.18%.

    For refis of the same type during the week of 2022-06-23, the average rate was 5.54%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-06-23 5.81%
    Hays 30 Year Fixed Rate 2022-06-23 5.85%
    Hays 30 Year Fixed Rate Refi 2022-06-23 5.54%
    Hays 15 Year Fixed Rate 2022-06-23 5.05%
    Hays 15 Year Fixed Rate Refi 2022-06-23 4.46%
    Hays 30 Year FHA 2022-06-23 -0.04%
    Hays 30 Year FHA Refi 2022-06-23 0.32%
    Hays 30 Year USDA 2022-06-23 0.13%
    Hays 30 Year USDA Refi 2022-06-23 -0.35%
    Hays 30 Year VA 2022-06-23 0.59%
    Hays 30 Year VA Refi 2022-06-23 -0.2%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Hays, KS.

    Hays 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 Hays, 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
    GOLDEN PLAINS 62 2.87% $2,217
    Sunflower Bank 16 3.05% $2,973
    Equity Bank 14 2.93% $2,553
    UNITED WHOLESALE MORTGAGE, LLC 12 3.04% $3,492
    QUICKEN LOANS, LLC 12 3.05% $3,675
    Citizens Bank 7 2.96% $4,959
    Mr. Cooper ( Nationstar Mortgage ) 4 3.50% $4,679
    Plains Commerce Bank 4 2.94% $2,765
    Commerce Bank 4 3.50% $2,715
    NEWREZ LLC 3 3.04% $4,437
    Flagstar Bank, FSB 3 2.99% $3,032
    HOME POINT FINANCIAL CORPORATION 3 2.83% $3,870
    Wells Fargo Bank 3 3.04% $2,010
    BETTER MORTGAGE CORPORATION 2 2.50% $1,280
    HOMESIDE FINANCIAL, LLC 2 3.38% $2,733
    Landmark National Bank 2 3.06% $1,851
    LOANDEPOT.COM, LLC 1 2.75% $5,198
    Mortgage Research Center, LLC 1 2.99% $3,754
    MOVEMENT MORTGAGE, LLC 1 3.31% $2,111
    NAVY FEDERAL CREDIT UNION 1 2.75% $1,684
    NBH Bank 1 2.88% $2,777
    OPEN MORTGAGE, LLC 1 3.38% $4,022
    ROYAL UNITED MORTGAGE LLC 1 3.00% $4,204
    S1L, Inc. 1 4.50% $4,428
    Truist Bank 1 3.10% $3,216
    UMB Bank 1 3.28% $2,746
    United Fidelity Funding Corp. 1 2.88% $3,742
    UNIVERSAL LENDING CORPORATION 1 3.63% $3,326
    Academy Bank 1 3.88% $3,116
    WRIGHT-PATT CREDIT UNION, INC. 1 3.38% $2,846
    AIR ACADEMY 1 2.75% $2,413
    AMERISAVE MORTGAGE CORPORATION 1 2.88% $4,158
    Bank of the West 1 2.88% $2,700
    BOKF 1 3.25% $1,830
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 2.75% $3,253
    Central National Bank 1 3.00% $1,206
    COMMUNITY MORTGAGE, LLC 1 2.88% $1,870
    Emprise Bank 1 3.13% $2,642
    EVERETT FINANCIAL, INC. 1 3.38% $1,998
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.75% $3,493
    First Western Trust Bank 1 2.63% $3,115
    FREEDOM MORTGAGE CORPORATION 1 3.50% $3,004
    GUILD MORTGAGE COMPANY 1 2.63% $3,683
    HEARTLAND CREDIT UNION 1 3.25% $2,110
    Home Federal Savings & Loan Association of Grand Island 1 3.00% $2,304

    Hays, KS's 45 lenders originated 485 loans during 2021. The total origination value was $81,605,000, with an average loan value of $168,258.

    The top Hays lender as defined by loan originations is GOLDEN PLAINS, with 62 loans originated. Their average total fees are $2,217, which is $757 lower than the next largest lender, Sunflower Bank.

    The lowest fee Hays lenders (with over 10 loans originated) are GOLDEN PLAINS ($2,217), Equity Bank ($2,553), Sunflower Bank ($2,973), UNITED WHOLESALE MORTGAGE, LLC ($3,492) and QUICKEN LOANS, LLC ($3,675).

    The lowest rate Hays lenders (with over 10 loans originated) are GOLDEN PLAINS (2.87%), Equity Bank (2.93%), UNITED WHOLESALE MORTGAGE, LLC (3.04%), QUICKEN LOANS, LLC (3.05%) and Sunflower Bank (3.05%).

    Hays, 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
    GOLDEN PLAINS $41,990,000 $22,065,000 -47.5% 27.0%
    Sunflower Bank $7,755,000 $5,625,000 -27.5% 6.9%
    QUICKEN LOANS, LLC $5,960,000 $5,455,000 -8.5% 6.7%
    UNITED WHOLESALE MORTGAGE, LLC $5,885,000 $4,695,000 -20.2% 5.8%
    Emprise Bank $2,875,000 $4,290,000 49.2% 5.3%
    Citizens Bank $2,850,000 n/a 3.5%
    Equity Bank $3,935,000 $2,785,000 -29.2% 3.4%
    FREEDOM MORTGAGE CORPORATION $1,255,000 $2,375,000 89.2% 2.9%
    Mortgage Investment Services Corporation $3,740,000 $2,285,000 -38.9% 2.8%
    HOME POINT FINANCIAL CORPORATION $5,840,000 $1,640,000 -71.9% 2.0%
    Mortgage Research Center, LLC $1,510,000 $1,590,000 5.3% 1.9%
    The Greenwood's State Bank $1,435,000 n/a 1.8%
    Flagstar Bank, FSB $595,000 $1,170,000 96.6% 1.4%
    Plains Commerce Bank $1,470,000 $1,170,000 -20.4% 1.4%
    Commerce Bank $2,335,000 $1,135,000 -51.4% 1.4%
    The Bennington State Bank $3,950,000 $1,105,000 -72.0% 1.4%
    LOANDEPOT.COM, LLC $655,000 $1,100,000 67.9% 1.3%
    COMMUNITY MORTGAGE, LLC $605,000 $1,095,000 81.0% 1.3%
    NEWREZ LLC $155,000 $1,080,000 596.8% 1.3%
    Mr. Cooper ( Nationstar Mortgage ) $1,520,000 $930,000 -38.8% 1.1%
    Central National Bank $680,000 $895,000 31.6% 1.1%
    U.S. Bank $875,000 n/a 1.1%
    BETTER MORTGAGE CORPORATION $405,000 $675,000 66.7% 0.8%
    Farmers Bank & Trust $290,000 $615,000 112.1% 0.8%
    USAA Federal Savings Bank $965,000 $605,000 -37.3% 0.7%
    LAKEVIEW LOAN SERVICING, LLC $155,000 $555,000 258.1% 0.7%
    Wells Fargo Bank $460,000 $505,000 9.8% 0.6%
    UMB Bank $495,000 $475,000 -4.0% 0.6%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $455,000 n/a 0.6%
    NAVY FEDERAL CREDIT UNION $305,000 $455,000 49.2% 0.6%
    HEARTLAND CREDIT UNION $145,000 $435,000 200.0% 0.5%
    Paramount Residential Mortgage Group, Inc. $410,000 n/a 0.5%
    FLAT BRANCH MORTGAGE, INC. $235,000 $380,000 61.7% 0.5%
    PENNYMAC LOAN SERVICES, LLC $825,000 $360,000 -56.4% 0.4%
    OPEN MORTGAGE, LLC $115,000 $315,000 173.9% 0.4%
    PENTAGON FEDERAL CREDIT UNION $195,000 $315,000 61.5% 0.4%
    HOMESIDE FINANCIAL, LLC $310,000 n/a 0.4%
    Landmark National Bank $290,000 n/a 0.4%
    LEADERONE FINANCIAL CORPORATION $145,000 $270,000 86.2% 0.3%
    First Bank $265,000 n/a 0.3%
    Truist Bank $255,000 n/a 0.3%
    BOKF $55,000 $245,000 345.5% 0.3%
    SENTE MORTGAGE, INC. $245,000 n/a 0.3%
    Adams Bank & Trust $240,000 n/a 0.3%
    AMERISAVE MORTGAGE CORPORATION $800,000 $240,000 -70.0% 0.3%
    21ST MORTGAGE CORPORATION $235,000 n/a 0.3%
    GUILD MORTGAGE COMPANY $235,000 n/a 0.3%
    Gateway First Bank $45,000 $220,000 388.9% 0.3%
    BNC National Bank $105,000 $205,000 95.2% 0.3%
    Bank of America $265,000 $195,000 -26.4% 0.2%
    Equity Prime Mortgage LLC $195,000 n/a 0.2%
    North American Savings Bank, F.S.B. $185,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $400,000 $180,000 -55.0% 0.2%
    Home Federal Savings & Loan Association of Grand Island $175,000 n/a 0.2%
    NBH Bank $295,000 $175,000 -40.7% 0.2%
    Northpointe Bank $175,000 n/a 0.2%
    PLANET HOME LENDING, LLC $175,000 n/a 0.2%
    PEOPLES STATE BANK $105,000 $170,000 61.9% 0.2%
    Carrington Mortgage Services, LLC $515,000 $165,000 -68.0% 0.2%
    MERITRUST Federal Credit Union $165,000 n/a 0.2%
    The Central Trust Bank $160,000 n/a 0.2%
    Academy Bank $145,000 n/a 0.2%
    First Western Trust Bank $145,000 n/a 0.2%
    GENEVA FINANCIAL, LLC $145,000 n/a 0.2%
    Bank of the West $135,000 n/a 0.2%
    MOVEMENT MORTGAGE, LLC $125,000 $125,000 0.0% 0.2%
    WRIGHT-PATT CREDIT UNION, INC. $125,000 n/a 0.2%
    CORNERSTONE HOME LENDING, INC. $115,000 n/a 0.1%
    EVERETT FINANCIAL, INC. $115,000 n/a 0.1%
    UNIVERSAL LENDING CORPORATION $115,000 n/a 0.1%
    CALIBER HOME LOANS, INC. $345,000 $105,000 -69.6% 0.1%
    S1L, Inc. $105,000 n/a 0.1%
    United Fidelity Funding Corp. $105,000 n/a 0.1%
    Sierra Pacific Mortgage Company, Inc. $145,000 $95,000 -34.5% 0.1%
    The Halstead Bank $95,000 n/a 0.1%
    AIR ACADEMY $85,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $455,000 $85,000 -81.3% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $95,000 $75,000 -21.1% 0.1%
    BankFirst $65,000 n/a 0.1%
    Discover Bank $55,000 n/a 0.1%

    Hays's top lender by overall market share is GOLDEN PLAINS, with 27.0% market share. In second place, with 6.9%, is Sunflower Bank, having originated $5,625,000 in loans. In third place, with 6.7%, is QUICKEN LOANS, LLC, having originated $5,455,000 in loans. In third place, with 5.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $4,695,000 in loans. In third place, with 5.3%, is Emprise Bank, having originated $4,290,000 in loans.

    Hays, KS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 297 $51,905,000 $174,764
    Refi 120 $20,230,000 $168,583
    Cash Out Refi 45 $8,225,000 $182,778
    Home Improvement 13 $695,000 $53,462
    Other 10 $550,000 $55,000

    Hays's most frequently cited loan purpose was Home Purchase, with 297 originations. The 2nd most popular reason was Refi, with 120 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    2.5-3% 204 $35,400,000 $173,529
    3-4% 119 $21,905,000 $184,076
    <2.5% 112 $19,030,000 $169,911
    4-5% 23 $2,435,000 $105,870
    5-6% 13 $495,000 $38,077
    6-7% 1 $235,000 $235,000
    7-8% 1 $55,000 $55,000

    During 2021, Hays's most frequently originated rate bucket was 2.5-3%, with 204 originations.

    Loan Sizing (Hays, KS MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 248 $36,520,000 $147,258
    $100,000 or less 111 $7,475,000 $67,342
    $200k-400k 110 $27,950,000 $254,091
    $400k-600k 12 $5,710,000 $475,833
    $600k-1000k 2 $1,400,000 $700,000
    $Over $1MM 2 $2,550,000 $1,275,000

    Hays's loan sizing saw the bucket of loans from $100k-200k with 248 originations, totaling $36,520,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 216 $37,330,000 $172,824
    60-80% 142 $27,720,000 $195,211
    40-60% 42 $5,760,000 $137,143
    20-40% 27 $2,155,000 $79,815
    Under 20% 20 $870,000 $43,500
    Over 100% 5 $2,135,000 $427,000

    Hays's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 216 originations, totaling $37,330,000 in origination value.

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Hays (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 $170,950 (-1.8%) $203,475 (-2.8%) 0.00 170
    2018-02-01 $172,000 (-4.4%) $206,138 (-3.4%) 0.00 166
    2018-03-01 $172,000 (-4.4%) $206,855 (-3.2%) 0.00 156
    2018-04-01 $187,450 (4.2%) $211,405 (-1.6%) 0.00 163
    2018-05-01 $179,998 (5.1%) $208,567 (-1.6%) 0.00 167
    2018-06-01 $179,900 (5.9%) $204,920 (-3.0%) 0.00 173
    2018-07-01 $172,750 (1.9%) $203,427 (-1.6%) 0.00 175
    2018-08-01 $157,450 (-8.5%) $197,074 (-5.0%) 0.00 182
    2018-09-01 $148,000 (-15.4%) $185,731 (-11.8%) 0.00 185
    2018-10-01 $139,950 (-15.2%) $176,539 (-14.7%) 0.00 176
    2018-11-01 $139,450 (-19.6%) $171,201 (-16.2%) 0.00 169
    2018-12-01 $139,500 (-18.9%) $164,162 (-19.1%) 0.00 168
    2019-01-01 $149,500 (-12.6%) $170,099 (-16.4%) 0.00 155
    2019-02-01 $141,250 (-17.9%) $166,678 (-19.1%) 0.00 159
    2019-03-01 $148,143 (-13.9%) $176,453 (-14.7%) 0.00 153
    2019-04-01 $153,643 (-18.0%) $187,731 (-11.2%) 0.00 145
    2019-05-01 $154,450 (-14.2%) $186,759 (-10.5%) 0.00 157
    2019-06-01 $149,900 (-16.7%) $183,442 (-10.5%) 0.00 163
    2019-07-01 $151,950 (-12.0%) $185,431 (-8.9%) 0.00 162
    2019-08-01 $152,371 (-3.2%) $182,873 (-7.2%) 0.00 155
    2019-09-01 $149,921 (1.3%) $180,945 (-2.6%) 0.00 147
    2019-10-01 $145,000 (3.6%) $178,651 (1.2%) 0.00 143
    2019-11-01 $145,000 (4.0%) $174,061 (1.7%) 0.00 138
    2019-12-01 $142,500 (2.2%) $178,923 (9.0%) 0.00 126
    2020-01-01 $140,000 (-6.4%) $182,024 (7.0%) 0.00 117
    2020-02-01 $144,500 (2.3%) $201,033 (20.6%) 0.00 118
    2020-03-01 $147,000 (-0.8%) $209,372 (18.7%) 0.00 114
    2020-04-01 $149,000 (-3.0%) $213,595 (13.8%) 0.00 101
    2020-05-01 $150,000 (-2.9%) $214,498 (14.9%) 0.00 94
    2020-06-01 $174,450 (16.4%) $232,922 (27.0%) 0.00 87
    2020-07-01 $179,948 (18.4%) $239,762 (29.3%) 0.00 90
    2020-08-01 $185,000 (21.4%) $254,187 (39.0%) 0.00 88
    2020-09-01 $170,000 (13.4%) $238,833 (32.0%) 0.00 85
    2020-10-01 $175,000 (20.7%) $252,283 (41.2%) 0.00 82
    2020-11-01 $165,950 (14.5%) $257,728 (48.1%) 0.00 61
    2020-12-01 $157,000 (10.2%) $249,193 (39.3%) 0.00 57
    2021-01-01 $159,000 (13.6%) $266,749 (46.6%) 0.00 50
    2021-02-01 $165,000 (14.2%) $271,277 (34.9%) 0.00 41
    2021-03-01 $217,250 (47.8%) $322,058 (53.8%) 0.00 38
    2021-04-01 $186,250 (25.0%) $279,603 (30.9%) 0.00 42
    2021-05-01 $182,500 (21.7%) $292,139 (36.2%) 0.00 49
    2021-06-01 $187,500 (7.5%) $271,856 (16.7%) 0.00 51
    2021-07-01 $177,000 (-1.6%) $259,768 (8.3%) 0.00 46
    2021-08-01 $182,500 (-1.4%) $256,083 (0.8%) 0.00 40
    2021-09-01 $185,000 (8.8%) $261,002 (9.3%) 0.00 45
    2021-10-01 $174,900 (-0.1%) $268,217 (6.3%) 0.00 44
    2021-11-01 $165,500 (-0.3%) $260,341 (1.0%) 0.00 50
    2021-12-01 $163,750 (4.3%) $256,499 (2.9%) 0.00 43
    2022-01-01 $165,000 (3.8%) $265,150 (-0.6%) 0.00 28
    2022-02-01 $170,000 (3.0%) $328,035 (20.9%) 0.00 16
    2022-03-01 $195,900 (-9.8%) $290,005 (-10.0%) 0.00 23
    2022-04-01 $225,000 (20.8%) $289,979 (3.7%) 0.00 24
    2022-05-01 $212,500 (16.4%) $253,785 (-13.1%) 0.00 33
    Hays's median listing price for 2022-05-01 was $212,500, a difference of $30,000 (16.4%) versus the prior year and $-12,500 versus the prior month.

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

    Hays's average listing price for 2022-05-01 was $253,785, a difference of $-38,354 (-13.1%) versus the prior year and $-36,194 versus the prior month.

    For the 2022-05-01 period, Hays had 33 MLS listings, a difference of 9 listings (38%) versus the prior month and -16 listings (-33%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hays (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,150 sqft
    2018-02-01 0 days 2,151 sqft
    2018-03-01 0 days 2,258 sqft
    2018-04-01 0 days 2,255 sqft
    2018-05-01 0 days 2,193 sqft
    2018-06-01 0 days 2,152 sqft
    2018-07-01 0 days 2,129 sqft
    2018-08-01 0 days 2,089 sqft
    2018-09-01 0 days 2,069 sqft
    2018-10-01 0 days 2,004 sqft
    2018-11-01 0 days 1,888 sqft
    2018-12-01 0 days 1,924 sqft
    2019-01-01 0 days 2,010 sqft
    2019-02-01 0 days 1,907 sqft
    2019-03-01 0 days 1,947 sqft
    2019-04-01 0 days 2,015 sqft
    2019-05-01 0 days 2,053 sqft
    2019-06-01 0 days 1,998 sqft
    2019-07-01 0 days 1,976 sqft
    2019-08-01 0 days 1,932 sqft
    2019-09-01 0 days 1,914 sqft
    2019-10-01 0 days 1,884 sqft
    2019-11-01 0 days 1,896 sqft
    2019-12-01 0 days 1,843 sqft
    2020-01-01 0 days 1,812 sqft
    2020-02-01 0 days 1,812 sqft
    2020-03-01 0 days 1,894 sqft
    2020-04-01 0 days 1,933 sqft
    2020-05-01 0 days 1,884 sqft
    2020-06-01 0 days 1,854 sqft
    2020-07-01 0 days 1,751 sqft
    2020-08-01 0 days 2,251 sqft
    2020-09-01 0 days 2,021 sqft
    2020-10-01 0 days 1,946 sqft
    2020-11-01 0 days 1,946 sqft
    2020-12-01 0 days 1,917 sqft
    2021-01-01 0 days 1,953 sqft
    2021-02-01 0 days 1,819 sqft
    2021-03-01 0 days 1,911 sqft
    2021-04-01 0 days 1,824 sqft
    2021-05-01 0 days 1,808 sqft
    2021-06-01 0 days 1,906 sqft
    2021-07-01 0 days 1,831 sqft
    2021-08-01 0 days 1,844 sqft
    2021-09-01 0 days 1,849 sqft
    2021-10-01 0 days 1,816 sqft
    2021-11-01 0 days 1,814 sqft
    2021-12-01 0 days 1,828 sqft
    2022-01-01 0 days 1,821 sqft
    2022-02-01 0 days 1,860 sqft
    2022-03-01 0 days 2,018 sqft
    2022-04-01 0 days 2,158 sqft
    2022-05-01 0 days 2,077 sqft
    Hays's median listing age (time on market) for 2022-05-01 was 0 days.

    Hays's median square footage for active listings during the 2022-05-01 period was 2,077 sqft. One year prior, the average listing was 1,808 sqft.