Hays Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Hays averaged
6.75%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.58% and
one month ago for the week of 2025-05-15, the
average rate was 6.95%.
Hays's average rate one year ago was 6.89%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Hays 30 Year Fixed Rate | 2025-06-18 | 6.75% |
| Hays 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Hays 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Hays 15 Year Fixed Rate Refi | 2025-06-18 | 6.16% |
| Hays 30 Year FHA | 2025-06-18 | 0.1% |
| Hays 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Hays 30 Year USDA | 2025-06-18 | 0% |
| Hays 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Hays 30 Year VA | 2025-06-18 | 0.1% |
| Hays 30 Year VA Refi | 2025-06-18 | -0.2% |
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.).
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, 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.