Hays Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Hays averaged 6.46% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

The average rate for the prior week (2025-04-03) was 6.78% and one month ago for the week of 2025-03-06, the average rate was 6.37%.

Hays's average rate one year ago was 6.66%.

For refis of the same type during the week of 2025-04-10, the average rate was 6.92%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-10 6.62%
Hays 30 Year Fixed Rate 2025-04-10 6.46%
Hays 30 Year Fixed Rate Refi 2025-04-10 6.92%
Hays 15 Year Fixed Rate 2025-04-10 5.82%
Hays 15 Year Fixed Rate Refi 2025-04-10 6.32%
Hays 30 Year FHA 2025-04-10 6.63%
Hays 30 Year FHA Refi 2025-04-10 6.23%
Hays 30 Year USDA 2025-04-10 6.65%
Hays 30 Year USDA Refi 2025-04-10 6.45%
Hays 30 Year VA 2025-04-10 6.49%
Hays 30 Year VA Refi 2025-04-10 6.39%
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 lender, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
GOLDEN PLAINS 41 6.47% $2,322
Sunflower Bank 21 6.18% $3,749
QUICKEN LOANS, LLC 5 7.01% $5,211
HEARTLAND CREDIT UNION 5 7.08% $2,771
Equity Bank 4 7.16% $3,200
Commerce Bank 4 7.53% $2,222
FLAT BRANCH MORTGAGE, INC. 4 6.75% $3,436
Mortgage Investment Services Corporation 3 6.92% $3,198
Flagstar Bank, FSB 3 7.23% $3,679
UNITED WHOLESALE MORTGAGE, LLC 2 7.06% $6,275
U.S. Bank 2 6.63% $2,470
MERITRUST Federal Credit Union 1 6.63% $2,917
Mid-America Bank 1 6.38% $1,621
NAVY FEDERAL CREDIT UNION 1 7.38% $4,485
PENNYMAC LOAN SERVICES, LLC 1 6.12% $3,899
PLANET HOME LENDING, LLC 1 7.63% $3,331
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.99% $4,067
SKYWARD 1 6.63% $2,923
The Huntington National Bank 1 6.63% $3,883
Truist 1 6.88% $2,243
USAA Federal Savings Bank 1 6.00% $6,030
BROKER SOLUTIONS, INC. 1 6.99% $5,241
Wells Fargo Bank 1 6.25% $3,303
Capitol Federal Savings Bank 1 7.00% $3,382
Charles Schwab Bank, SSB 1 6.38% $2,877
COMMUNITYAMERICA 1 6.13% $3,205
Discover Bank 1 7.81% $0
Emprise Bank 1 6.88% $2,118
Farm Credit Mid-America, ACA 1 6.75% $11,153
Farmers Bank & Trust 1 6.49% $2,745
First National Bank of America 1 8.99% $5,202
GUILD MORTGAGE COMPANY 1 5.88% $2,949
Landmark National Bank 1 6.25% $1,949

Hays Average Closing Costs & Other Stats

Hays, KS's 33 lenders originated 270 loans during 2024. The total origination value was $388,180,000, with an average loan value of $1,437,704.

Hays's average closing costs are $3,776.

The top Hays lender as defined by loan originations is GOLDEN PLAINS, with 41 loans originated. Their average total fees are $2,322, which is $1,428 lower than the next largest lender, Sunflower Bank.

The lowest fee Hays lenders (with over 10 loans originated) are GOLDEN PLAINS ($2,322), Sunflower Bank ($3,749), .

The lowest rate Hays lenders (with over 10 loans originated) are Sunflower Bank (6.18%), GOLDEN PLAINS (6.47%), .

Hays, 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
JONES LANG LASALLE MULTIFAMILY, LLC $179,545,000 $344,225,000 91.7% 88.7%
GOLDEN PLAINS $7,875,000 $9,540,000 21.1% 2.5%
Sunflower Bank $6,255,000 $4,760,000 -23.9% 1.2%
QUICKEN LOANS, LLC $2,645,000 $2,330,000 -11.9% 0.6%
Emprise Bank $4,165,000 $2,255,000 -45.9% 0.6%
Flagstar Bank, FSB $1,310,000 $1,595,000 21.8% 0.4%
Mortgage Research Center, LLC $1,155,000 $1,465,000 26.8% 0.4%
Bank of the Flint Hills $605,000 $1,455,000 140.5% 0.4%
Mortgage Investment Services Corporation $560,000 $1,435,000 156.3% 0.4%
USAA Federal Savings Bank $530,000 $1,190,000 124.5% 0.3%
Commerce Bank $2,005,000 $1,135,000 -43.4% 0.3%
NAVY FEDERAL CREDIT UNION $1,120,000 n/a 0.3%
Equity Bank $4,200,000 $1,040,000 -75.2% 0.3%
FLAT BRANCH MORTGAGE, INC. $835,000 $950,000 13.8% 0.2%
HEARTLAND CREDIT UNION $360,000 $915,000 154.2% 0.2%
PENNYMAC LOAN SERVICES, LLC $820,000 n/a 0.2%
Central National Bank $885,000 $650,000 -26.6% 0.2%
UNITED WHOLESALE MORTGAGE, LLC $215,000 $630,000 193.0% 0.2%
JPMorgan Chase Bank $155,000 $590,000 280.6% 0.2%
Farm Credit Mid-America, ACA $545,000 n/a 0.1%
NEWREZ LLC $450,000 $475,000 5.6% 0.1%
U.S. Bank $195,000 $450,000 130.8% 0.1%
ZILLOW HOME LOANS, LLC $435,000 n/a 0.1%
Farmers Bank & Trust $75,000 $420,000 460.0% 0.1%
PREMIA MORTGAGE, LLC $415,000 n/a 0.1%
Truist $410,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $380,000 n/a 0.1%
Members Mortgage Services, L.L.C. $370,000 n/a 0.1%
NBKC BANK $355,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $165,000 $345,000 109.1% 0.1%
Mid-America Bank $320,000 n/a 0.1%
FREEDOM MORTGAGE CORPORATION $290,000 n/a 0.1%
The Bennington State Bank $135,000 $285,000 111.1% 0.1%
UNION HOME MORTGAGE CORP. $275,000 n/a 0.1%
Capitol Federal Savings Bank $265,000 n/a 0.1%
PLANET HOME LENDING, LLC $235,000 n/a 0.1%
CHARTER WEST BANK $215,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $205,000 n/a 0.1%
M&T Bank $115,000 $205,000 78.3% 0.1%
The Huntington National Bank $205,000 n/a 0.1%
CMG MORTGAGE, INC. $195,000 n/a 0.1%
Bank of America $185,000 n/a 0.0%
Carrington Mortgage Services, LLC $185,000 n/a 0.0%
COMMUNITYAMERICA $195,000 $185,000 -5.1% 0.0%
MERITRUST Federal Credit Union $185,000 n/a 0.0%
North American Savings Bank, F.S.B. $185,000 n/a 0.0%
Discover Bank $180,000 n/a 0.0%
GUILD MORTGAGE COMPANY $175,000 n/a 0.0%
Mr. Cooper ( Nationstar Mortgage ) $165,000 n/a 0.0%
SKYWARD $165,000 n/a 0.0%
Envista Credit Union $145,000 n/a 0.0%
Charles Schwab Bank, SSB $125,000 n/a 0.0%
First National Bank of America $115,000 n/a 0.0%
Figure Lending LLC $95,000 n/a 0.0%
BROKER SOLUTIONS, INC. $115,000 $65,000 -43.5% 0.0%
Landmark National Bank $425,000 $65,000 -84.7% 0.0%
CREDIT UNION OF AMERICA $25,000 $35,000 40.0% 0.0%
LAKEVIEW LOAN SERVICING, LLC $35,000 n/a 0.0%
PEOPLES STATE BANK $35,000 n/a 0.0%
Wells Fargo Bank $35,000 n/a 0.0%

Hays's top lender by overall market share is JONES LANG LASALLE MULTIFAMILY, LLC, with 88.7% market share. In second place, with 2.5%, is GOLDEN PLAINS, having originated $9,540,000 in loans. In third place, with 1.2%, is Sunflower Bank, having originated $4,760,000 in loans. In fourth place, with 0.6%, is QUICKEN LOANS, LLC, having originated $2,330,000 in loans. In fifth place, with 0.6%, is Emprise Bank, having originated $2,255,000 in loans.


Hays Housing Market Trends (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 $165,000 (-2.5%) $200,311 (-3.0%) 0.00 176
2018-02-01 $165,725 (-5.0%) $201,840 (-3.7%) 0.00 172
2018-03-01 $168,900 (-3.1%) $202,229 (-3.4%) 0.00 162
2018-04-01 $181,999 (4.6%) $207,875 (-1.6%) 0.00 169
2018-05-01 $165,000 (-2.0%) $205,254 (-1.2%) 0.00 172
2018-06-01 $169,900 (0.2%) $200,679 (-3.6%) 0.00 179
2018-07-01 $164,850 (1.1%) $198,210 (-3.0%) 0.00 185
2018-08-01 $149,900 (-11.0%) $192,852 (-5.9%) 0.00 192
2018-09-01 $145,000 (-15.7%) $182,753 (-12.3%) 0.00 193
2018-10-01 $138,950 (-15.8%) $173,047 (-15.6%) 0.00 185
2018-11-01 $138,900 (-15.3%) $167,675 (-16.0%) 0.00 178
2018-12-01 $138,900 (-15.8%) $160,939 (-19.4%) 0.00 177
2019-01-01 $146,225 (-11.4%) $166,683 (-16.8%) 0.00 162
2019-02-01 $139,975 (-15.5%) $164,320 (-18.6%) 0.00 164
2019-03-01 $147,514 (-12.7%) $174,817 (-13.6%) 0.00 156
2019-04-01 $152,789 (-16.1%) $185,911 (-10.6%) 0.00 148
2019-05-01 $147,450 (-10.6%) $182,997 (-10.8%) 0.00 164
2019-06-01 $149,000 (-12.3%) $179,358 (-10.6%) 0.00 170
2019-07-01 $145,000 (-12.0%) $181,442 (-8.5%) 0.00 168
2019-08-01 $147,750 (-1.4%) $179,140 (-7.1%) 0.00 163
2019-09-01 $145,500 (0.3%) $176,106 (-3.6%) 0.00 158
2019-10-01 $144,375 (3.9%) $174,309 (0.7%) 0.00 152
2019-11-01 $144,700 (4.2%) $173,624 (3.6%) 0.00 140
2019-12-01 $141,575 (1.9%) $177,982 (10.6%) 0.00 127
2020-01-01 $139,975 (-4.3%) $178,885 (7.3%) 0.00 118
2020-02-01 $140,000 (0.0%) $196,457 (19.6%) 0.00 117
2020-03-01 $145,875 (-1.1%) $207,813 (18.9%) 0.00 113
2020-04-01 $148,000 (-3.1%) $211,198 (13.6%) 0.00 101
2020-05-01 $150,000 (1.7%) $214,209 (17.1%) 0.00 93
2020-06-01 $158,850 (6.6%) $228,090 (27.2%) 0.00 87
2020-07-01 $170,400 (17.5%) $235,138 (29.6%) 0.00 90
2020-08-01 $179,948 (21.8%) $244,776 (36.6%) 0.00 88
2020-09-01 $168,675 (15.9%) $235,804 (33.9%) 0.00 85
2020-10-01 $169,950 (17.7%) $249,473 (43.1%) 0.00 82
2020-11-01 $167,175 (15.5%) $257,145 (48.1%) 0.00 61
2020-12-01 $155,500 (9.8%) $252,778 (42.0%) 0.00 58
2021-01-01 $157,000 (12.2%) $269,098 (50.4%) 0.00 50
2021-02-01 $165,000 (17.9%) $272,976 (39.0%) 0.00 42
2021-03-01 $212,225 (45.5%) $325,988 (56.9%) 0.00 39
2021-04-01 $183,750 (24.2%) $279,603 (32.4%) 0.00 43
2021-05-01 $182,500 (21.7%) $292,139 (36.4%) 0.00 49
2021-06-01 $187,500 (18.0%) $273,289 (19.8%) 0.00 52
2021-07-01 $179,000 (5.1%) $257,798 (9.6%) 0.00 46
2021-08-01 $182,500 (1.4%) $256,083 (4.6%) 0.00 40
2021-09-01 $183,750 (8.9%) $261,002 (10.7%) 0.00 45
2021-10-01 $170,000 (0.0%) $264,580 (6.1%) 0.00 45
2021-11-01 $165,475 (-1.0%) $260,341 (1.2%) 0.00 52
2021-12-01 $162,475 (4.5%) $256,499 (1.5%) 0.00 43
2022-01-01 $162,450 (3.5%) $265,088 (-1.5%) 0.00 28
2022-02-01 $168,750 (2.3%) $328,035 (20.2%) 0.00 16
2022-03-01 $195,450 (-7.9%) $287,506 (-11.8%) 0.00 24
2022-04-01 $202,500 (10.2%) $287,930 (3.0%) 0.00 24
2022-05-01 $212,500 (16.4%) $253,785 (-13.1%) 0.00 34
2022-06-01 $178,250 (-4.9%) $240,606 (-12.0%) 0.00 42
2022-07-01 $175,000 (-2.2%) $221,837 (-14.0%) 0.00 53
2022-08-01 $165,000 (-9.6%) $256,853 (0.3%) 0.00 59
2022-09-01 $166,750 (-9.3%) $258,103 (-1.1%) 0.00 55
2022-10-01 $176,750 (4.0%) $274,872 (3.9%) 0.00 60
2022-11-01 $180,750 (9.2%) $282,330 (8.5%) 0.00 50
2022-12-01 $179,000 (10.2%) $287,828 (12.2%) 0.00 53
2023-01-01 $179,975 (10.8%) $313,277 (18.2%) 0.00 50
2023-02-01 $224,950 (33.3%) $344,033 (4.9%) 0.00 47
2023-03-01 $229,950 (17.7%) $348,252 (21.1%) 0.00 47
2023-04-01 $239,000 (18.0%) $359,898 (25.0%) 0.00 46
2023-05-01 $239,500 (12.7%) $366,166 (44.3%) 0.00 51
2023-06-01 $232,225 (30.3%) $355,086 (47.6%) 0.00 54
2023-07-01 $257,450 (47.1%) $362,740 (63.5%) 0.00 53
2023-08-01 $252,500 (53.0%) $349,337 (36.0%) 0.00 59
2023-09-01 $241,500 (44.8%) $343,889 (33.2%) 0.00 62
2023-10-01 $249,500 (41.2%) $341,472 (24.2%) 0.00 63
2023-11-01 $233,700 (29.3%) $336,687 (19.3%) 0.00 60
2023-12-01 $234,900 (31.2%) $339,829 (18.1%) 0.00 55
2024-01-01 $232,125 (29.0%) $331,815 (5.9%) 0.00 54
2024-02-01 $242,500 (7.8%) $352,110 (2.4%) 0.00 47
2024-03-01 $236,000 (2.6%) $334,427 (-4.0%) 0.00 52
2024-04-01 $237,375 (-0.7%) $342,404 (-4.9%) 0.00 60
2024-05-01 $277,500 (15.9%) $355,243 (-3.0%) 0.00 63
2024-06-01 $289,500 (24.7%) $354,277 (-0.2%) 0.00 68
2024-07-01 $251,250 (-2.4%) $358,147 (-1.3%) 0.00 75
2024-08-01 $250,000 (-1.0%) $353,239 (1.1%) 0.00 77
2024-09-01 $254,000 (5.2%) $350,092 (1.8%) 0.00 80
2024-10-01 $244,500 (-2.0%) $346,992 (1.6%) 0.00 77
2024-11-01 $240,000 (2.7%) $348,016 (3.4%) 0.00 74
2024-12-01 $228,750 (-2.6%) $335,828 (-1.2%) 0.00 75
2025-01-01 $229,000 (-1.4%) $337,591 (1.7%) 0.00 74
2025-02-01 $229,750 (-5.3%) $369,777 (5.0%) 0.00 63
2025-03-01 $255,000 (8.1%) $414,483 (23.9%) 0.00 59
Hays's median listing price for 2025-03-01 was $255,000, a difference of $19,000 (8.1%) versus the prior year and $25,250 versus the prior month.

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

Hays's average listing price for 2025-03-01 was $414,483, a difference of $80,056 (23.9%) versus the prior year and $44,706 versus the prior month.

For the 2025-03-01 period, Hays had 59 MLS listings, a difference of -4 listings (-6%) versus the prior month and 7 listings (13%) 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 2,116 sqft
2018-02-01 0 days 2,136 sqft
2018-03-01 0 days 2,165 sqft
2018-04-01 0 days 2,225 sqft
2018-05-01 0 days 2,165 sqft
2018-06-01 0 days 2,106 sqft
2018-07-01 0 days 2,104 sqft
2018-08-01 0 days 2,084 sqft
2018-09-01 0 days 2,076 sqft
2018-10-01 0 days 2,006 sqft
2018-11-01 0 days 1,908 sqft
2018-12-01 0 days 1,924 sqft
2019-01-01 0 days 2,004 sqft
2019-02-01 0 days 1,902 sqft
2019-03-01 0 days 1,944 sqft
2019-04-01 0 days 2,011 sqft
2019-05-01 0 days 2,021 sqft
2019-06-01 0 days 1,976 sqft
2019-07-01 0 days 1,936 sqft
2019-08-01 0 days 1,861 sqft
2019-09-01 0 days 1,843 sqft
2019-10-01 0 days 1,832 sqft
2019-11-01 0 days 1,878 sqft
2019-12-01 0 days 1,832 sqft
2020-01-01 0 days 1,789 sqft
2020-02-01 0 days 1,898 sqft
2020-03-01 0 days 1,906 sqft
2020-04-01 0 days 1,916 sqft
2020-05-01 0 days 1,900 sqft
2020-06-01 0 days 1,825 sqft
2020-07-01 0 days 1,742 sqft
2020-08-01 0 days 2,197 sqft
2020-09-01 0 days 1,964 sqft
2020-10-01 0 days 1,959 sqft
2020-11-01 0 days 1,946 sqft
2020-12-01 0 days 1,915 sqft
2021-01-01 0 days 1,911 sqft
2021-02-01 0 days 1,838 sqft
2021-03-01 0 days 1,927 sqft
2021-04-01 0 days 1,824 sqft
2021-05-01 0 days 1,808 sqft
2021-06-01 0 days 1,931 sqft
2021-07-01 0 days 1,824 sqft
2021-08-01 0 days 1,844 sqft
2021-09-01 0 days 1,846 sqft
2021-10-01 0 days 1,808 sqft
2021-11-01 0 days 1,803 sqft
2021-12-01 0 days 1,828 sqft
2022-01-01 0 days 1,821 sqft
2022-02-01 0 days 1,892 sqft
2022-03-01 0 days 1,967 sqft
2022-04-01 0 days 2,158 sqft
2022-05-01 0 days 2,076 sqft
2022-06-01 0 days 2,075 sqft
2022-07-01 0 days 1,920 sqft
2022-08-01 0 days 1,811 sqft
2022-09-01 0 days 1,775 sqft
2022-10-01 0 days 1,849 sqft
2022-11-01 0 days 1,849 sqft
2022-12-01 0 days 1,848 sqft
2023-01-01 0 days 1,858 sqft
2023-02-01 0 days 1,947 sqft
2023-03-01 0 days 1,895 sqft
2023-04-01 0 days 2,136 sqft
2023-05-01 0 days 2,307 sqft
2023-06-01 0 days 2,385 sqft
2023-07-01 0 days 2,399 sqft
2023-08-01 0 days 2,393 sqft
2023-09-01 0 days 2,280 sqft
2023-10-01 0 days 2,322 sqft
2023-11-01 0 days 2,306 sqft
2023-12-01 0 days 2,192 sqft
2024-01-01 0 days 2,188 sqft
2024-02-01 0 days 2,360 sqft
2024-03-01 0 days 2,198 sqft
2024-04-01 0 days 2,248 sqft
2024-05-01 0 days 2,389 sqft
2024-06-01 0 days 2,280 sqft
2024-07-01 0 days 2,281 sqft
2024-08-01 0 days 2,324 sqft
2024-09-01 0 days 2,164 sqft
2024-10-01 0 days 2,147 sqft
2024-11-01 0 days 2,085 sqft
2024-12-01 0 days 2,007 sqft
2025-01-01 0 days 2,052 sqft
2025-02-01 0 days 2,180 sqft
2025-03-01 0 days 2,224 sqft
Hays's median listing age (time on market) for 2025-03-01 was 0 days.

Hays's median square footage for active listings during the 2025-03-01 period was 2,224 sqft. One year prior, the average listing was 2,198 sqft.

Hays, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 177 $32,205,000 $181,949
Refi 33 $5,485,000 $166,212
Cash Out Refi 27 $348,565,000 $12,909,815
Home Improvement 21 $1,015,000 $48,333
Other 12 $910,000 $75,833

Hays's most frequently cited loan purpose was Home Purchase, with 177 originations. The 2nd most popular reason was Refi, with 33 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 120 $366,460,000 $3,053,833
7-8% 65 $10,995,000 $169,154
5-6% 41 $7,665,000 $186,951
Over 8% 24 $1,760,000 $73,333
<2.5% 6 $210,000 $35,000
4-5% 6 $420,000 $70,000
2.5-3% 6 $350,000 $58,333

During 2024, Hays's most frequently originated rate bucket was 6-7%, with 120 originations.

Loan Sizing (Hays, KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 107 $16,325,000 $152,570
$100,000 or less 85 $4,595,000 $54,059
$200k-400k 66 $16,940,000 $256,667
$400k-600k 9 $4,095,000 $455,000
$Over $1MM 2 $345,530,000 $172,765,000
$600k-1000k 1 $695,000 $695,000

Hays's loan sizing saw the bucket of loans from $100k-200k with 107 originations, totaling $16,325,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 113 $22,625,000 $200,221
60-80% 55 $11,495,000 $209,000
Under 20% 39 $1,335,000 $34,231
20-40% 32 $2,970,000 $92,813
40-60% 14 $1,880,000 $134,286
Over 100% 11 $347,005,000 $31,545,909

Hays's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 113 originations, totaling $22,625,000 in origination value.