Liberal Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Liberal averaged 6.44% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.45% and one month ago for the week of 2025-02-27, the average rate was 6.76%.

    Liberal's average rate one year ago was 6.79%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.94%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Liberal 30 Year Fixed Rate 2025-04-03 6.44%
    Liberal 30 Year Fixed Rate Refi 2025-04-03 6.94%
    Liberal 15 Year Fixed Rate 2025-04-03 5.62%
    Liberal 15 Year Fixed Rate Refi 2025-04-03 6.22%
    Liberal 30 Year FHA 2025-04-03 6.46%
    Liberal 30 Year FHA Refi 2025-04-03 6.16%
    Liberal 30 Year USDA 2025-04-03 6.12%
    Liberal 30 Year USDA Refi 2025-04-03 6.42%
    Liberal 30 Year VA 2025-04-03 6.06%
    Liberal 30 Year VA Refi 2025-04-03 6.16%
    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 lender, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 14 6.37% $5,115
    GOLDEN PLAINS 7 6.43% $2,034
    QUICKEN LOANS, LLC 4 6.81% $6,597
    Equity Bank 2 7.00% $3,378
    JPMorgan Chase Bank 2 6.94% $3,929
    Mr. Cooper ( Nationstar Mortgage ) 1 7.38% $9,548
    NAVY FEDERAL CREDIT UNION 1 7.13% $2,254
    Pacific Lending LLC 1 6.75% $4,074
    PLAZA HOME MORTGAGE, INC. 1 6.50% $5,711
    Sunflower Bank 1 6.63% $3,718
    Landmark National Bank 1 6.50% $2,179
    BROKER SOLUTIONS, INC. 1 6.13% $5,093
    Equity Prime Mortgage LLC 1 5.88% $6,821
    FLAT BRANCH MORTGAGE, INC. 1 6.38% $2,731
    21ST MORTGAGE CORPORATION 1 8.22% $6,256

    Liberal Average Closing Costs & Other Stats

    Liberal, KS's 15 lenders originated 195 loans during 2024. The total origination value was $26,495,000, with an average loan value of $135,872.

    Liberal's average closing costs are $5,976.

    The top Liberal lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 14 loans originated. Their average total fees are $5,115, which is $3,080 higher than the next largest lender, GOLDEN PLAINS.

    The lowest fee Liberal lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($5,115), .

    The lowest rate Liberal lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.37%), .

    Liberal, 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
    CMG MORTGAGE, INC. $4,945,000 $4,930,000 -0.3% 18.6%
    UNITED WHOLESALE MORTGAGE, LLC $1,960,000 $4,385,000 123.7% 16.6%
    GOLDEN PLAINS $1,775,000 $3,720,000 109.6% 14.0%
    Equity Bank $1,900,000 $3,365,000 77.1% 12.7%
    Paramount Residential Mortgage Group, Inc. $6,175,000 $2,500,000 -59.5% 9.4%
    QUICKEN LOANS, LLC $955,000 $2,080,000 117.8% 7.9%
    PLAZA HOME MORTGAGE, INC. $1,075,000 n/a 4.1%
    Equity Prime Mortgage LLC $580,000 n/a 2.2%
    FREEDOM MORTGAGE CORPORATION $355,000 $510,000 43.7% 1.9%
    Sunflower Bank $480,000 n/a 1.8%
    Mortgage Research Center, LLC $545,000 $330,000 -39.4% 1.2%
    JPMorgan Chase Bank $320,000 n/a 1.2%
    GUARANTEED RATE, INC. $295,000 n/a 1.1%
    Mr. Cooper ( Nationstar Mortgage ) $255,000 $205,000 -19.6% 0.8%
    FLAT BRANCH MORTGAGE, INC. $260,000 $200,000 -23.1% 0.8%
    BROKER SOLUTIONS, INC. $185,000 $185,000 0.0% 0.7%
    ROYAL UNITED MORTGAGE LLC $185,000 n/a 0.7%
    21ST MORTGAGE CORPORATION $155,000 n/a 0.6%
    GUILD MORTGAGE COMPANY $155,000 n/a 0.6%
    Landmark National Bank $155,000 $145,000 -6.5% 0.5%
    EVERETT FINANCIAL, INC. $140,000 n/a 0.5%
    HOMEXPRESS MORTGAGE CORP. $105,000 n/a 0.4%
    LONGBRIDGE FINANCIAL, LLC $95,000 n/a 0.4%
    NAVY FEDERAL CREDIT UNION $85,000 n/a 0.3%
    Pacific Lending LLC $85,000 n/a 0.3%
    Wells Fargo Bank $75,000 n/a 0.3%
    Discover Bank $65,000 n/a 0.2%
    Figure Lending LLC $45,000 n/a 0.2%

    Liberal's top lender by overall market share is CMG MORTGAGE, INC., with 18.6% market share. In second place, with 16.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $4,385,000 in loans. In third place, with 14.0%, is GOLDEN PLAINS, having originated $3,720,000 in loans. In fourth place, with 12.7%, is Equity Bank, having originated $3,365,000 in loans. In fifth place, with 9.4%, is Paramount Residential Mortgage Group, Inc., having originated $2,500,000 in loans.

    Liberal Housing Market Trends (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 $119,550 (-12.4%) $140,147 (-12.3%) 0.00 65
    2018-02-01 $126,125 (-8.4%) $148,586 (-8.2%) 0.00 67
    2018-03-01 $125,500 (-14.7%) $146,618 (-11.0%) 0.00 70
    2018-04-01 $131,224 (-6.3%) $147,822 (-8.2%) 0.00 69
    2018-05-01 $141,250 (4.6%) $151,313 (-5.8%) 0.00 75
    2018-06-01 $140,000 (3.7%) $152,228 (-4.3%) 0.00 71
    2018-07-01 $146,563 (13.8%) $154,432 (4.0%) 0.00 72
    2018-08-01 $149,313 (21.9%) $153,831 (8.0%) 0.00 71
    2018-09-01 $139,900 (12.6%) $151,636 (6.6%) 0.00 70
    2018-10-01 $130,000 (5.1%) $146,987 (3.1%) 0.00 74
    2018-11-01 $135,000 (22.2%) $149,677 (12.1%) 0.00 72
    2018-12-01 $134,000 (18.1%) $149,890 (13.6%) 0.00 73
    2019-01-01 $136,250 (14.0%) $146,835 (4.8%) 0.00 67
    2019-02-01 $145,968 (15.7%) $148,907 (0.2%) 0.00 72
    2019-03-01 $149,494 (19.1%) $154,506 (5.4%) 0.00 74
    2019-04-01 $150,499 (14.7%) $158,668 (7.3%) 0.00 71
    2019-05-01 $148,938 (5.4%) $150,985 (-0.2%) 0.00 63
    2019-06-01 $145,000 (3.6%) $153,229 (0.7%) 0.00 69
    2019-07-01 $149,500 (2.0%) $159,143 (3.1%) 0.00 75
    2019-08-01 $147,245 (-1.4%) $160,247 (4.2%) 0.00 72
    2019-09-01 $143,114 (2.3%) $158,581 (4.6%) 0.00 72
    2019-10-01 $139,900 (7.6%) $157,354 (7.1%) 0.00 72
    2019-11-01 $138,000 (2.2%) $156,979 (4.9%) 0.00 72
    2019-12-01 $136,125 (1.6%) $154,373 (3.0%) 0.00 64
    2020-01-01 $134,950 (-1.0%) $151,246 (3.0%) 0.00 61
    2020-02-01 $129,900 (-11.0%) $150,100 (0.8%) 0.00 63
    2020-03-01 $133,975 (-10.4%) $153,104 (-0.9%) 0.00 70
    2020-04-01 $136,500 (-9.3%) $151,241 (-4.7%) 0.00 70
    2020-05-01 $138,000 (-7.3%) $157,768 (4.5%) 0.00 58
    2020-06-01 $150,388 (3.7%) $174,934 (14.2%) 0.00 46
    2020-07-01 $145,225 (-2.9%) $174,015 (9.4%) 0.00 41
    2020-08-01 $145,000 (-1.5%) $189,731 (18.4%) 0.00 35
    2020-09-01 $169,850 (18.7%) $201,112 (26.8%) 0.00 27
    2020-10-01 $170,000 (21.5%) $203,745 (29.5%) 0.00 24
    2020-11-01 $147,725 (7.1%) $195,018 (24.2%) 0.00 24
    2020-12-01 $148,975 (9.4%) $189,037 (22.5%) 0.00 25
    2021-01-01 $144,900 (7.4%) $182,674 (20.8%) 0.00 23
    2021-02-01 $164,950 (27.0%) $186,427 (24.2%) 0.00 17
    2021-03-01 $126,725 (-5.4%) $166,156 (8.5%) 0.00 12
    2021-04-01 $154,750 (13.4%) $184,753 (22.2%) 0.00 12
    2021-05-01 $140,000 (1.5%) $168,262 (6.7%) 0.00 10
    2021-06-01 $135,500 (-9.9%) $161,944 (-7.4%) 0.00 14
    2021-07-01 $141,750 (-2.4%) $157,030 (-9.8%) 0.00 19
    2021-08-01 $137,500 (-5.2%) $149,506 (-21.2%) 0.00 26
    2021-09-01 $139,675 (-17.8%) $150,873 (-25.0%) 0.00 27
    2021-10-01 $132,500 (-22.1%) $155,129 (-23.9%) 0.00 28
    2021-11-01 $132,475 (-10.3%) $164,254 (-15.8%) 0.00 23
    2021-12-01 $135,000 (-9.4%) $173,409 (-8.3%) 0.00 18
    2022-01-01 $140,000 (-3.4%) $186,819 (2.3%) 0.00 12
    2022-02-01 $129,050 (-21.8%) $188,755 (1.3%) 0.00 11
    2022-03-01 $135,975 (7.3%) $153,013 (-7.9%) 0.00 8
    2022-04-01 $143,000 (-7.6%) $176,660 (-4.4%) 0.00 7
    2022-05-01 $170,475 (21.8%) $206,183 (22.5%) 0.00 8
    2022-06-01 $135,750 (0.2%) $174,039 (7.5%) 0.00 11
    2022-07-01 $170,000 (19.9%) $187,618 (19.5%) 0.00 14
    2022-08-01 $168,200 (22.3%) $202,582 (35.5%) 0.00 15
    2022-09-01 $192,500 (37.8%) $225,506 (49.5%) 0.00 11
    2022-10-01 $204,250 (54.2%) $210,843 (35.9%) 0.00 13
    2022-11-01 $190,350 (43.7%) $200,524 (22.1%) 0.00 11
    2022-12-01 $159,000 (17.8%) $194,620 (12.2%) 0.00 18
    2023-01-01 $154,950 (10.7%) $191,221 (2.4%) 0.00 16
    2023-02-01 $174,950 (35.6%) $207,275 (9.8%) 0.00 14
    2023-03-01 $178,500 (31.3%) $203,232 (32.8%) 0.00 18
    2023-04-01 $192,450 (34.6%) $218,439 (23.7%) 0.00 18
    2023-05-01 $210,000 (23.2%) $229,938 (11.5%) 0.00 17
    2023-06-01 $249,950 (84.1%) $247,218 (42.1%) 0.00 13
    2023-07-01 $234,950 (38.2%) $245,806 (31.0%) 0.00 13
    2023-08-01 $220,500 (31.1%) $230,843 (14.0%) 0.00 14
    2023-09-01 $206,500 (7.3%) $228,933 (1.5%) 0.00 19
    2023-10-01 $162,375 (-20.5%) $223,067 (5.8%) 0.00 18
    2023-11-01 $180,925 (-5.0%) $223,005 (11.2%) 0.00 20
    2023-12-01 $179,900 (13.1%) $219,662 (12.9%) 0.00 20
    2024-01-01 $199,875 (29.0%) $227,763 (19.1%) 0.00 18
    2024-02-01 $198,475 (13.5%) $208,932 (0.8%) 0.00 20
    2024-03-01 $150,000 (-16.0%) $200,107 (-1.5%) 0.00 17
    2024-04-01 $150,000 (-22.1%) $206,873 (-5.3%) 0.00 15
    2024-05-01 $161,750 (-23.0%) $200,841 (-12.7%) 0.00 19
    2024-06-01 $195,900 (-21.6%) $218,693 (-11.5%) 0.00 26
    2024-07-01 $200,600 (-14.6%) $213,438 (-13.2%) 0.00 38
    2024-08-01 $218,750 (-0.8%) $241,015 (4.4%) 0.00 42
    2024-09-01 $215,625 (4.4%) $236,675 (3.4%) 0.00 42
    2024-10-01 $211,000 (30.0%) $231,771 (3.9%) 0.00 40
    2024-11-01 $208,000 (15.0%) $227,698 (2.1%) 0.00 42
    2024-12-01 $198,679 (10.4%) $209,339 (-4.7%) 0.00 38
    2025-01-01 $192,500 (-3.7%) $213,063 (-6.5%) 0.00 37
    2025-02-01 $193,750 (-2.4%) $215,124 (3.0%) 0.00 37
    2025-03-01 $175,000 (16.7%) $203,231 (1.6%) 0.00 40
    Liberal's median listing price for 2025-03-01 was $175,000, a difference of $25,000 (16.7%) versus the prior year and $-18,750 versus the prior month.

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

    Liberal's average listing price for 2025-03-01 was $203,231, a difference of $3,124 (1.6%) versus the prior year and $-11,893 versus the prior month.

    For the 2025-03-01 period, Liberal had 40 MLS listings, a difference of 3 listings (8%) versus the prior month and 23 listings (135%) 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 1,780 sqft
    2018-02-01 0 days 1,824 sqft
    2018-03-01 0 days 1,747 sqft
    2018-04-01 0 days 1,736 sqft
    2018-05-01 0 days 1,844 sqft
    2018-06-01 0 days 1,887 sqft
    2018-07-01 0 days 1,947 sqft
    2018-08-01 0 days 2,058 sqft
    2018-09-01 0 days 1,920 sqft
    2018-10-01 0 days 1,970 sqft
    2018-11-01 0 days 2,070 sqft
    2018-12-01 0 days 2,087 sqft
    2019-01-01 0 days 2,116 sqft
    2019-02-01 0 days 2,170 sqft
    2019-03-01 0 days 2,174 sqft
    2019-04-01 0 days 2,216 sqft
    2019-05-01 0 days 2,131 sqft
    2019-06-01 0 days 2,057 sqft
    2019-07-01 0 days 2,135 sqft
    2019-08-01 0 days 2,159 sqft
    2019-09-01 0 days 2,196 sqft
    2019-10-01 0 days 2,221 sqft
    2019-11-01 0 days 2,126 sqft
    2019-12-01 0 days 2,157 sqft
    2020-01-01 0 days 1,930 sqft
    2020-02-01 0 days 1,839 sqft
    2020-03-01 0 days 1,839 sqft
    2020-04-01 0 days 1,851 sqft
    2020-05-01 0 days 1,897 sqft
    2020-06-01 0 days 2,003 sqft
    2020-07-01 0 days 2,052 sqft
    2020-08-01 0 days 2,034 sqft
    2020-09-01 0 days 2,195 sqft
    2020-10-01 0 days 1,980 sqft
    2020-11-01 0 days 1,963 sqft
    2020-12-01 0 days 1,971 sqft
    2021-01-01 0 days 1,904 sqft
    2021-02-01 0 days 2,310 sqft
    2021-03-01 0 days 1,963 sqft
    2021-04-01 0 days 2,098 sqft
    2021-05-01 0 days 1,857 sqft
    2021-06-01 0 days 1,937 sqft
    2021-07-01 0 days 1,937 sqft
    2021-08-01 0 days 1,835 sqft
    2021-09-01 0 days 1,848 sqft
    2021-10-01 0 days 1,814 sqft
    2021-11-01 0 days 1,805 sqft
    2021-12-01 0 days 1,787 sqft
    2022-01-01 0 days 1,824 sqft
    2022-02-01 0 days 1,865 sqft
    2022-03-01 0 days 1,699 sqft
    2022-04-01 0 days 1,772 sqft
    2022-05-01 0 days 2,042 sqft
    2022-06-01 0 days 1,792 sqft
    2022-07-01 0 days 1,982 sqft
    2022-08-01 0 days 1,892 sqft
    2022-09-01 0 days 2,264 sqft
    2022-10-01 0 days 2,064 sqft
    2022-11-01 0 days 2,441 sqft
    2022-12-01 0 days 1,986 sqft
    2023-01-01 0 days 1,683 sqft
    2023-02-01 0 days 1,919 sqft
    2023-03-01 0 days 1,830 sqft
    2023-04-01 0 days 2,064 sqft
    2023-05-01 0 days 2,020 sqft
    2023-06-01 0 days 2,495 sqft
    2023-07-01 0 days 2,477 sqft
    2023-08-01 0 days 2,453 sqft
    2023-09-01 0 days 2,241 sqft
    2023-10-01 0 days 1,981 sqft
    2023-11-01 0 days 1,637 sqft
    2023-12-01 0 days 1,811 sqft
    2024-01-01 0 days 1,881 sqft
    2024-02-01 0 days 1,943 sqft
    2024-03-01 0 days 1,768 sqft
    2024-04-01 0 days 1,854 sqft
    2024-05-01 0 days 1,775 sqft
    2024-06-01 0 days 1,781 sqft
    2024-07-01 0 days 1,888 sqft
    2024-08-01 0 days 1,986 sqft
    2024-09-01 0 days 2,047 sqft
    2024-10-01 0 days 2,030 sqft
    2024-11-01 0 days 2,055 sqft
    2024-12-01 0 days 1,992 sqft
    2025-01-01 0 days 2,079 sqft
    2025-02-01 0 days 2,051 sqft
    2025-03-01 0 days 1,984 sqft
    Liberal's median listing age (time on market) for 2025-03-01 was 0 days.

    Liberal's median square footage for active listings during the 2025-03-01 period was 1,984 sqft. One year prior, the average listing was 1,768 sqft.

    Liberal, KS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 121 $20,225,000 $167,149
    Cash Out Refi 35 $3,095,000 $88,429
    Refi 20 $2,180,000 $109,000
    Home Improvement 10 $540,000 $54,000
    Other 9 $455,000 $50,556

    Liberal's most frequently cited loan purpose was Home Purchase, with 121 originations. The 2nd most popular reason was Cash Out Refi, with 35 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 81 $12,765,000 $157,593
    5-6% 41 $7,195,000 $175,488
    Over 8% 34 $2,930,000 $86,176
    7-8% 33 $3,195,000 $96,818
    4-5% 6 $410,000 $68,333

    During 2024, Liberal's most frequently originated rate bucket was 6-7%, with 81 originations.

    Loan Sizing (Liberal, KS MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 81 $11,865,000 $146,481
    $100,000 or less 74 $4,220,000 $57,027
    $200k-400k 38 $9,360,000 $246,316
    $400k-600k 2 $1,050,000 $525,000

    Liberal's loan sizing saw the bucket of loans from $100k-200k with 81 originations, totaling $11,865,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 97 $17,455,000 $179,948
    60-80% 35 $4,035,000 $115,286
    20-40% 28 $1,840,000 $65,714
    40-60% 22 $2,410,000 $109,545
    Under 20% 9 $205,000 $22,778
    Over 100% 3 $495,000 $165,000

    Liberal's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 97 originations, totaling $17,455,000 in origination value.