Liberal Mortgage Rates

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

    30 Year Fixed Rate mortgages in Liberal averaged 5.69% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

    The average rate for the prior week (2022-06-23) was 6% and one month ago for the week of 2022-05-26, the average rate was 4.99%.

    Liberal's average rate one year ago was 2.85%.

    For refis of the same type during the week of 2022-06-30, the average rate was 5.28%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-06-30 5.7%
    Liberal 30 Year Fixed Rate 2022-06-30 5.69%
    Liberal 30 Year Fixed Rate Refi 2022-06-30 5.28%
    Liberal 15 Year Fixed Rate 2022-06-30 5.33%
    Liberal 15 Year Fixed Rate Refi 2022-06-30 4.6%
    Liberal 30 Year FHA 2022-06-30 5.24%
    Liberal 30 Year FHA Refi 2022-06-30 5.14%
    Liberal 30 Year USDA 2022-06-30 5.58%
    Liberal 30 Year USDA Refi 2022-06-30 5.7%
    Liberal 30 Year VA 2022-06-30 5.57%
    Liberal 30 Year VA Refi 2022-06-30 5.99%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Liberal, KS.

    Liberal 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 Liberal, 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
    United Fidelity Funding Corp. 19 2.88% $5,189
    GOLDEN PLAINS 13 3.14% $1,517
    UNITED WHOLESALE MORTGAGE, LLC 7 2.95% $4,948
    QUICKEN LOANS, LLC 6 2.96% $4,768
    CMG MORTGAGE, INC. 5 2.85% $4,388
    Wells Fargo Bank 5 3.18% $2,952
    Equity Bank 3 3.16% $2,283
    Sunflower Bank 3 3.00% $2,799
    AMERISAVE MORTGAGE CORPORATION 2 3.25% $2,957
    UNION HOME MORTGAGE CORP. 1 2.75% $2,304
    U.S. Bank 1 3.13% $3,379
    LAKEVIEW LOAN SERVICING, LLC 1 3.75% $3,739
    AMERICAN FINANCING CORPORATION 1 3.00% $4,952
    ENDEAVOR CAPITAL, LLC. 1 3.13% $5,315
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 2.88% $2,141
    Financial Funding Solutions, Inc. 1 3.20% $4,637
    HOMESIDE FINANCIAL, LLC 1 3.15% $3,695
    AMERICAN FINANCIAL NETWORK, INC. 1 2.75% $8,654
    LENDERFI, INC. 1 2.88% $2,995
    Mr. Cooper ( Nationstar Mortgage ) 1 3.50% $3,062

    Liberal, KS's 20 lenders originated 358 loans during 2021. The total origination value was $48,590,000, with an average loan value of $135,726.

    The top Liberal lender as defined by loan originations is United Fidelity Funding Corp., with 19 loans originated. Their average total fees are $5,189, which is $3,672 higher than the next largest lender, GOLDEN PLAINS.

    The lowest fee Liberal lenders (with over 10 loans originated) are GOLDEN PLAINS ($1,517), United Fidelity Funding Corp. ($5,189), .

    The lowest rate Liberal lenders (with over 10 loans originated) are United Fidelity Funding Corp. (2.88%), GOLDEN PLAINS (3.14%), .

    Liberal, 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
    CMG MORTGAGE, INC. $14,475,000 $15,245,000 5.3% 31.4%
    United Fidelity Funding Corp. $605,000 $8,415,000 1,290.9% 17.3%
    GOLDEN PLAINS $4,760,000 $4,600,000 -3.4% 9.5%
    QUICKEN LOANS, LLC $2,505,000 $2,790,000 11.4% 5.7%
    UNITED WHOLESALE MORTGAGE, LLC $7,025,000 $2,725,000 -61.2% 5.6%
    Equity Bank $5,690,000 $2,010,000 -64.7% 4.1%
    FREEDOM MORTGAGE CORPORATION $665,000 $1,820,000 173.7% 3.7%
    The Bennington State Bank $1,290,000 n/a 2.7%
    Wells Fargo Bank $515,000 $1,000,000 94.2% 2.1%
    Mr. Cooper ( Nationstar Mortgage ) $425,000 $705,000 65.9% 1.5%
    Sunflower Bank $425,000 $675,000 58.8% 1.4%
    AMERICAN FINANCIAL NETWORK, INC. $655,000 n/a 1.3%
    AMERISAVE MORTGAGE CORPORATION $600,000 n/a 1.2%
    LOANDEPOT.COM, LLC $2,065,000 $550,000 -73.4% 1.1%
    Carrington Mortgage Services, LLC $625,000 $540,000 -13.6% 1.1%
    HOME POINT FINANCIAL CORPORATION $1,260,000 $450,000 -64.3% 0.9%
    LAKEVIEW LOAN SERVICING, LLC $125,000 $425,000 240.0% 0.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $350,000 n/a 0.7%
    Mortgage Research Center, LLC $230,000 $270,000 17.4% 0.6%
    Paramount Residential Mortgage Group, Inc. $265,000 n/a 0.5%
    AMERICAN FINANCING CORPORATION $95,000 $260,000 173.7% 0.5%
    PENNYMAC LOAN SERVICES, LLC $255,000 n/a 0.5%
    Barrington Bank & Trust Company, N.A. $250,000 n/a 0.5%
    EVERETT FINANCIAL, INC. $250,000 n/a 0.5%
    U.S. Bank $45,000 $245,000 444.4% 0.5%
    ENDEAVOR CAPITAL, LLC. $215,000 $225,000 4.7% 0.5%
    Financial Funding Solutions, Inc. $175,000 n/a 0.4%
    LENDERFI, INC. $165,000 n/a 0.3%
    JPMorgan Chase Bank $145,000 n/a 0.3%
    UNION HOME MORTGAGE CORP. $145,000 n/a 0.3%
    Arvest Bank $135,000 n/a 0.3%
    HOMESIDE FINANCIAL, LLC $135,000 n/a 0.3%
    NAVY FEDERAL CREDIT UNION $125,000 n/a 0.3%
    VANDERBILT MORTGAGE AND FINANCE, INC. $115,000 n/a 0.2%
    Manufacturers and Traders Trust Company $105,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $105,000 n/a 0.2%
    STEARNS LENDING, LLC $95,000 n/a 0.2%
    ACADEMY MORTGAGE CORPORATION $75,000 n/a 0.2%
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $75,000 n/a 0.2%
    NEWREZ LLC $65,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $65,000 n/a 0.1%

    Liberal's top lender by overall market share is CMG MORTGAGE, INC., with 31.4% market share. In second place, with 17.3%, is United Fidelity Funding Corp., having originated $8,415,000 in loans. In third place, with 9.5%, is GOLDEN PLAINS, having originated $4,600,000 in loans. In third place, with 5.7%, is QUICKEN LOANS, LLC, having originated $2,790,000 in loans. In third place, with 5.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $2,725,000 in loans.

    Liberal, KS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 215 $30,915,000 $143,791
    Refi 98 $13,380,000 $136,531
    Cash Out Refi 28 $3,640,000 $130,000
    Home Improvement 14 $560,000 $40,000
    Other 3 $95,000 $31,667

    Liberal's most frequently cited loan purpose was Home Purchase, with 215 originations. The 2nd most popular reason was Refi, with 98 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    2.5-3% 175 $24,725,000 $141,286
    <2.5% 91 $12,755,000 $140,165
    3-4% 47 $7,285,000 $155,000
    5-6% 31 $1,305,000 $42,097
    4-5% 7 $975,000 $139,286
    6-7% 2 $140,000 $70,000
    Over 8% 1 $115,000 $115,000

    During 2021, Liberal's most frequently originated rate bucket was 2.5-3%, with 175 originations.

    Loan Sizing (Liberal, KS MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 205 $28,175,000 $137,439
    $100,000 or less 100 $6,590,000 $65,900
    $200k-400k 50 $12,380,000 $247,600
    $400k-600k 3 $1,445,000 $481,667

    Liberal's loan sizing saw the bucket of loans from $100k-200k with 205 originations, totaling $28,175,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 214 $32,450,000 $151,636
    60-80% 73 $8,415,000 $115,274
    40-60% 24 $2,720,000 $113,333
    20-40% 10 $350,000 $35,000
    Under 20% 10 $210,000 $21,000
    Over 100% 3 $655,000 $218,333

    Liberal's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 214 originations, totaling $32,450,000 in origination value.

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Liberal (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 $122,450 (-10.3%) $140,807 (-11.9%) 0.00 64
    2018-02-01 $127,000 (-8.3%) $148,586 (-8.2%) 0.00 66
    2018-03-01 $127,000 (-15.1%) $146,618 (-11.0%) 0.00 70
    2018-04-01 $132,450 (-5.4%) $147,822 (-8.2%) 0.00 68
    2018-05-01 $142,000 (5.2%) $151,313 (-5.6%) 0.00 75
    2018-06-01 $140,000 (3.7%) $152,228 (-4.3%) 0.00 70
    2018-07-01 $148,750 (14.9%) $154,432 (4.0%) 0.00 72
    2018-08-01 $149,500 (21.1%) $153,831 (8.0%) 0.00 71
    2018-09-01 $139,900 (11.9%) $151,636 (6.6%) 0.00 70
    2018-10-01 $130,000 (5.1%) $145,483 (2.1%) 0.00 74
    2018-11-01 $137,000 (23.4%) $149,677 (12.0%) 0.00 72
    2018-12-01 $134,000 (16.6%) $149,890 (13.3%) 0.00 73
    2019-01-01 $140,000 (14.3%) $146,835 (4.3%) 0.00 67
    2019-02-01 $147,990 (16.5%) $148,907 (0.2%) 0.00 71
    2019-03-01 $150,137 (18.2%) $154,889 (5.6%) 0.00 76
    2019-04-01 $151,142 (14.1%) $159,804 (8.1%) 0.00 72
    2019-05-01 $149,125 (5.0%) $150,985 (-0.2%) 0.00 63
    2019-06-01 $145,000 (3.6%) $153,079 (0.6%) 0.00 70
    2019-07-01 $149,500 (0.5%) $158,990 (3.0%) 0.00 75
    2019-08-01 $150,000 (0.3%) $161,902 (5.3%) 0.00 73
    2019-09-01 $149,750 (7.0%) $161,725 (6.7%) 0.00 72
    2019-10-01 $139,900 (7.6%) $157,607 (8.3%) 0.00 72
    2019-11-01 $138,000 (0.7%) $156,692 (4.7%) 0.00 71
    2019-12-01 $136,250 (1.7%) $154,429 (3.0%) 0.00 63
    2020-01-01 $134,950 (-3.6%) $151,182 (3.0%) 0.00 59
    2020-02-01 $129,900 (-12.2%) $150,682 (1.2%) 0.00 62
    2020-03-01 $133,950 (-10.8%) $153,104 (-1.2%) 0.00 69
    2020-04-01 $136,500 (-9.7%) $151,241 (-5.4%) 0.00 69
    2020-05-01 $138,000 (-7.5%) $157,768 (4.5%) 0.00 57
    2020-06-01 $151,400 (4.4%) $175,576 (14.7%) 0.00 45
    2020-07-01 $145,450 (-2.7%) $174,522 (9.8%) 0.00 40
    2020-08-01 $145,000 (-3.3%) $193,723 (19.7%) 0.00 35
    2020-09-01 $172,500 (15.2%) $211,037 (30.5%) 0.00 27
    2020-10-01 $170,000 (21.5%) $207,108 (31.4%) 0.00 24
    2020-11-01 $154,900 (12.3%) $200,464 (27.9%) 0.00 24
    2020-12-01 $147,000 (7.9%) $190,685 (23.5%) 0.00 25
    2021-01-01 $149,800 (11.0%) $185,596 (22.8%) 0.00 23
    2021-02-01 $184,250 (41.8%) $190,465 (26.4%) 0.00 17
    2021-03-01 $126,000 (-5.9%) $167,348 (9.3%) 0.00 11
    2021-04-01 $150,000 (9.9%) $183,492 (21.3%) 0.00 12
    2021-05-01 $140,000 (1.5%) $168,262 (6.7%) 0.00 10
    2021-06-01 $142,500 (-5.9%) $164,797 (-6.1%) 0.00 14
    2021-07-01 $156,500 (7.6%) $161,677 (-7.4%) 0.00 19
    2021-08-01 $137,500 (-5.2%) $148,694 (-23.2%) 0.00 26
    2021-09-01 $139,950 (-18.9%) $152,922 (-27.5%) 0.00 27
    2021-10-01 $135,000 (-20.6%) $156,697 (-24.3%) 0.00 28
    2021-11-01 $132,500 (-14.5%) $165,978 (-17.2%) 0.00 24
    2021-12-01 $135,000 (-8.2%) $173,994 (-8.8%) 0.00 17
    2022-01-01 $140,000 (-6.5%) $186,412 (0.4%) 0.00 11
    2022-02-01 $129,900 (-29.5%) $191,598 (0.6%) 0.00 10
    2022-03-01 $134,500 (6.8%) $143,377 (-14.3%) 0.00 9
    2022-04-01 $139,000 (-7.3%) $167,325 (-8.8%) 0.00 8
    2022-05-01 $147,500 (5.4%) $195,471 (16.2%) 0.00 9
    2022-06-01 $135,750 (-4.7%) $167,979 (1.9%) 0.00 11
    Liberal's median listing price for 2022-06-01 was $135,750, a difference of $-6,750 (-4.7%) versus the prior year and $-11,750 versus the prior month.

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

    Liberal's average listing price for 2022-06-01 was $167,979, a difference of $3,182 (1.9%) versus the prior year and $-27,492 versus the prior month.

    For the 2022-06-01 period, Liberal had 11 MLS listings, a difference of 2 listings (22%) versus the prior month and -3 listings (-21%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Liberal (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,812 sqft
    2018-02-01 0 days 1,824 sqft
    2018-03-01 0 days 1,747 sqft
    2018-04-01 0 days 1,740 sqft
    2018-05-01 0 days 1,844 sqft
    2018-06-01 0 days 1,920 sqft
    2018-07-01 0 days 1,974 sqft
    2018-08-01 0 days 2,068 sqft
    2018-09-01 0 days 1,920 sqft
    2018-10-01 0 days 1,947 sqft
    2018-11-01 0 days 2,076 sqft
    2018-12-01 0 days 2,114 sqft
    2019-01-01 0 days 2,124 sqft
    2019-02-01 0 days 2,182 sqft
    2019-03-01 0 days 2,205 sqft
    2019-04-01 0 days 2,236 sqft
    2019-05-01 0 days 2,135 sqft
    2019-06-01 0 days 2,117 sqft
    2019-07-01 0 days 2,134 sqft
    2019-08-01 0 days 2,185 sqft
    2019-09-01 0 days 2,247 sqft
    2019-10-01 0 days 2,225 sqft
    2019-11-01 0 days 2,117 sqft
    2019-12-01 0 days 2,157 sqft
    2020-01-01 0 days 1,940 sqft
    2020-02-01 0 days 1,848 sqft
    2020-03-01 0 days 1,839 sqft
    2020-04-01 0 days 1,855 sqft
    2020-05-01 0 days 1,920 sqft
    2020-06-01 0 days 2,030 sqft
    2020-07-01 0 days 2,067 sqft
    2020-08-01 0 days 2,040 sqft
    2020-09-01 0 days 2,427 sqft
    2020-10-01 0 days 2,362 sqft
    2020-11-01 0 days 1,977 sqft
    2020-12-01 0 days 1,974 sqft
    2021-01-01 0 days 1,960 sqft
    2021-02-01 0 days 2,427 sqft
    2021-03-01 0 days 1,974 sqft
    2021-04-01 0 days 1,783 sqft
    2021-05-01 0 days 1,865 sqft
    2021-06-01 0 days 1,937 sqft
    2021-07-01 0 days 2,009 sqft
    2021-08-01 0 days 1,831 sqft
    2021-09-01 0 days 1,848 sqft
    2021-10-01 0 days 1,814 sqft
    2021-11-01 0 days 1,750 sqft
    2021-12-01 0 days 1,787 sqft
    2022-01-01 0 days 1,824 sqft
    2022-02-01 0 days 1,851 sqft
    2022-03-01 0 days 1,680 sqft
    2022-04-01 0 days 1,750 sqft
    2022-05-01 0 days 2,002 sqft
    2022-06-01 0 days 1,792 sqft
    Liberal's median listing age (time on market) for 2022-06-01 was 0 days.

    Liberal's median square footage for active listings during the 2022-06-01 period was 1,792 sqft. One year prior, the average listing was 1,937 sqft.