Hays Mortgage Rates

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.