Liberal Mortgage Rates

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.