WICHITA Mortgage Rates

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

30 Year Fixed Rate mortgages in Wichita averaged 3.05% for the week of 2021-12-02, compared to the national average of 3.11% for the same period.

The average rate for the prior week (2021-11-24) was 3.34% and one month ago for the week of 2021-10-28, the average rate was 3.08%.

Wichita's average rate one year ago was 3.06%.

For refis of the same type during the week of 2021-12-02, the average rate was 3.34%.

Loan Type Date Rate
US 30 Year Fixed Rate 2021-12-02 3.11%
Wichita 30 Year Fixed Rate 2021-12-02 3.05%
Wichita 30 Year Fixed Rate Refi 2021-12-02 3.34%
Wichita 15 Year Fixed Rate 2021-12-02 3.92%
Wichita 15 Year Fixed Rate Refi 2021-12-02 2.77%
Wichita 30 Year FHA 2021-12-02 3.26%
Wichita 30 Year FHA Refi 2021-12-02 3.46%
Wichita 30 Year USDA 2021-12-02 3.28%
Wichita 30 Year USDA Refi 2021-12-02 3.33%
Wichita 30 Year VA 2021-12-02 3.02%
Wichita 30 Year VA Refi 2021-12-02 2.74%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within WICHITA, KS.

WICHITA 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 WICHITA, 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 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
Fidelity Bank, National Association 711 3.02% $2,638
CREDIT UNION OF AMERICA 640 3.29% $2,010
MERITRUST Federal Credit Union 594 3.32% $3,634
QUICKEN LOANS, LLC 395 3.31% $4,694
Sierra Pacific Mortgage Company, Inc. 387 3.28% $3,327
Capitol Federal Savings Bank 349 3.20% $2,269
Intrust Bank, National Association 338 3.04% $1,614
Gateway First Bank 326 3.16% $2,291
HOME BANK AND TRUST COMPANY 297 2.97% $2,425
LEADERONE FINANCIAL CORPORATION 202 3.22% $3,761
BNC National Bank 198 3.13% $3,450
PENTAGON FEDERAL CREDIT UNION 194 2.87% $1,928
Regent Financial Group, Inc. 190 3.25% $2,749
HEARTLAND CREDIT UNION 171 3.43% $1,966
MOVEMENT MORTGAGE, LLC 143 3.54% $3,165
OPEN MORTGAGE, LLC 142 3.40% $3,525
U.S. Bank National Association 141 3.21% $2,486
Wichita Federal Credit Union 136 3.23% $1,926
Wells Fargo Bank, National Association 120 3.49% $2,512
Sunflower Bank, National Association 114 3.17% $3,840
FLAT BRANCH MORTGAGE, INC. 111 3.03% $2,733
SKYWARD 111 3.06% $2,002
DELMAR FINANCIAL COMPANY 109 3.24% $3,148
Emprise Bank 103 3.52% $2,329
Flagstar Bank, FSB 102 3.45% $2,995
PRIMELENDING, A PLAINSCAPITAL COMPANY 101 3.31% $3,557
KS StateBank 91 3.33% $2,378
Citizens Bank of Kansas 89 3.31% $2,499
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 88 3.22% $3,231
Commerce Bank 81 3.53% $2,813
RCB Bank 66 3.26% $3,056
US MORTGAGE CORPORATION 64 3.16% $3,936
Plains Commerce Bank 61 2.98% $2,466
THRIVE MORTGAGE, LLC 60 3.11% $2,945
BOKF, National Association 59 3.32% $3,388
LOANDEPOT.COM, LLC 55 3.25% $3,941
Bank of America, National Association 54 3.41% $3,279
Financial Funding Solutions, Inc. 53 3.42% $3,566
Simmons Bank 53 3.23% $2,621
UNITED WHOLESALE MORTGAGE, LLC 49 2.97% $4,321
GOLDEN PLAINS 49 2.88% $1,539
Equity Bank 48 3.45% $2,098
ARK-LA-TEX FINANCIAL SERVICES, LLC. 46 3.48% $3,342
JPMorgan Chase Bank, National Association 43 3.41% $3,000
KELLER MORTGAGE, LLC 41 3.21% $2,072
PRIMARY RESIDENTIAL MORTGAGE, INC. 39 3.36% $3,085
INLAND BANK & TRUST 38 3.34% $2,222
HOME POINT FINANCIAL CORPORATION 38 3.40% $3,798
Central National Bank 35 3.07% $1,306
GUILD MORTGAGE COMPANY 34 3.34% $3,109
PLANET HOME LENDING, LLC 33 3.25% $2,902
Community National Bank & Trust 33 3.83% $2,280
AMERISAVE MORTGAGE CORPORATION 31 3.08% $4,006
USAA Federal Savings Bank 29 3.68% $4,048
Bank of the West 28 3.38% $3,667
NAVY FEDERAL CREDIT UNION 27 3.80% $3,504
NATIONSTAR MORTGAGE LLC 25 3.75% $4,842
Mortgage Investment Services Corporation 24 3.44% $2,422
United Fidelity Funding Corp. 21 2.93% $5,116
PENNYMAC LOAN SERVICES, LLC 21 3.58% $5,171
AMERICAN FINANCING CORPORATION 20 3.41% $4,905
Arvest Bank 20 3.46% $3,149
BROKER SOLUTIONS, INC. 19 3.15% $3,605
BETTER MORTGAGE CORPORATION 18 3.14% $2,868
FREEDOM MORTGAGE CORPORATION 18 3.53% $2,332
Citizens Bank, National Association 17 3.32% $3,342
CALIBER HOME LOANS, INC. 17 3.30% $3,299
NEWREZ LLC 17 3.49% $3,141
ROYAL UNITED MORTGAGE LLC 15 3.47% $5,355
MUTUAL OF OMAHA MORTGAGE, INC. 15 3.37% $3,828
First State Bank of St. Charles, Missouri 13 2.95% $2,541
ROUNDPOINT MORTGAGE SERVICING CORPORATION 11 3.57% $1,094
Midwest Mortgage Associates Corporation 11 4.33% $4,986
Members Mortgage Services, L.L.C. 11 2.88% $2,154
UMB Bank, National Association 10 3.15% $2,406
MID AMERICA MORTGAGE, INC. 10 3.28% $4,013
Truist Bank 9 3.17% $2,696
NBKC BANK 8 3.22% $2,253
Nations Lending Corporation 8 3.02% $3,223
North American Savings Bank, F.S.B. 8 3.06% $1,810
Bell Bank 7 2.91% $3,402
LAKEVIEW LOAN SERVICING, LLC 7 3.84% $2,307
Morgan Stanley Private Bank, National Association 7 3.73% $2,880
ENDEAVOR CAPITAL, LLC. 6 3.02% $3,418
Ally Bank 6 3.06% $4,266
Bank of England 6 3.40% $3,674
DAS Acquisition Company, LLC 6 3.69% $2,597
First Mortgage Solutions, LLC 6 3.02% $3,472
PANHANDLE FEDERAL CREDIT UNION 6 3.66% $1,253
ZILLOW HOME LOANS, LLC 6 3.35% $3,092
CMG MORTGAGE, INC. 6 3.29% $3,707
CHURCHILL MORTGAGE CORPORATION 6 3.35% $2,927
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 2.89% $3,879
HOMESIDE FINANCIAL, LLC 5 3.98% $4,568
Carrington Mortgage Services, LLC 5 3.28% $3,753
PREMIA MORTGAGE, LLC 5 2.80% $2,179
CROSSCOUNTRY MORTGAGE, LLC 5 3.12% $3,906
West Gate Bank 5 3.33% $2,266
NBH Bank 5 3.95% $2,741
FINANCE OF AMERICA MORTGAGE LLC 5 3.63% $3,436
COMMUNITYAMERICA 4 3.25% $2,429
Colonial Savings, F.A. 4 3.56% $2,358
Discover Bank 4 4.49% $0
EVERETT FINANCIAL, INC. 4 3.44% $1,532
FirstBank 4 3.40% $1,992
First Guaranty Mortgage Corporation 4 3.16% $2,321
SENTE MORTGAGE, INC. 4 4.00% $4,154
SIRVA MORTGAGE, INC. 4 2.94% $988
SUN WEST MORTGAGE COMPANY, INC. 4 3.41% $1,214
Wyndham Capital Mortgage, Inc. 4 3.06% $1,521
STAR ONE CREDIT UNION 3 4.50% $1,266
Prosperity Home Mortgage, LLC 3 3.17% $4,343
First United Bank and Trust Company 3 3.00% $3,823
The Huntington National Bank 3 4.00% $3,339
First Federal Bank of Kansas City 3 4.29% $2,692
AMERICAN FINANCIAL NETWORK, INC. 3 3.00% $2,658
SOFI LENDING CORP. 3 3.13% $3,111
Landmark National Bank 3 2.75% $1,883
HOMEOWNERS FINANCIAL GROUP USA, LLC 3 3.83% $3,141
GUIDANCE RESIDENTIAL, LLC 3 3.83% $3,551
GUARANTEED RATE, INC. 3 3.25% $6,271
PLAZA HOME MORTGAGE, INC. 2 2.81% $4,470
Manufacturers and Traders Trust Company 2 3.69% $2,778
ASCENTRA 2 3.13% $3,431
UNION HOME MORTGAGE CORP. 2 3.31% $2,732
HOMESTEAD FUNDING CORP. 2 2.75% $2,823
UNITED MORTGAGE CORP. 2 3.38% $3,883
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 6.81% $6,974
Deere Employees Credit Union 2 3.00% $2,250
RUOFF MORTGAGE COMPANY, INC. 2 2.69% $2,459
AMERICAN INTERNET MORTGAGE, INC. 2 3.63% $3,319
Mortgage Research Center, LLC 2 3.25% $1,553
Charles Schwab Bank, SSB 2 3.25% $2,615
Truity Federal Credit Union 2 2.81% $1,928
Cf Bank, National Association 2 3.50% $1,515
Northwest Farm Credit Services, FLCA 2 3.35% $7,693
First Internet Bank of Indiana 2 3.38% $4,851
SOUTHWEST FUNDING, LP 2 3.13% $4,425
PURDUE FEDERAL CREDIT UNION 2 2.94% $2,517
Azura Credit Union 2 2.81% $1,627
ALLIANT CREDIT UNION 2 3.19% $3,232
Mid-America Bank 2 3.19% $2,420
Busey Bank 2 3.44% $2,718
First Federal Bank 2 3.31% $4,275
CITYWIDE HOME LOANS, LLC 1 2.99% $3,376
Pinnacle Bank 1 2.63% $2,422
Citibank, National Association 1 3.38% $6,490
PNC Bank, National Association 1 3.25% $3,064
CELEBRITY HOME LOANS, LLC 1 3.25% $2,047
Carrollton Bank 1 2.38% $2,911
CANOPY MORTGAGE, LLC 1 4.13% $1,314
RBC Bank, (Georgia) National Association 1 4.00% $1,461
Boeing Employees Credit Union 1 3.25% $787
Regions Bank 1 2.88% $3,478
BNY Mellon, National Association 1 3.00% $3,260
BMO Harris Bank National Association 1 2.88% $3,353
S1L, Inc. 1 3.00% $5,705
American Bank of Oklahoma 1 2.88% $3,235
BBVA USA 1 3.63% $5,121
Baxter Credit Union 1 3.63% $2,858
AMERICAN ADVISORS GROUP 1 3.50% $2,876
SKYONE Federal Credit Union 1 3.38% $3,157
Bank of Whittier, National Association 1 2.78% $1,156
STEARNS LENDING, LLC 1 3.25% $5,334
Stifel Bank and Trust 1 3.25% $1,910
TCF National Bank 1 3.50% $3,302
Axos Bank 1 2.99% $2,999
TIAA, FSB 1 3.38% $2,449
ASSEMBLIES OF GOD Credit Union 1 3.50% $2,367
UBS Bank USA 1 3.00% $4,020
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.00% $3,498
American National Bank 1 2.63% $2,757
US Employees O.C. Federal Credit Union 1 3.50% $2,762
WESTERN VISTA 1 2.75% $1,968
Hawthorn Bank 1 2.63% $2,097
Armstrong Bank 1 2.50% $2,176
Hometown Lenders, Inc. 1 3.50% $3,443
IMPAC MORTGAGE CORP. 1 3.63% $495
Independent Bank 1 2.75% $2,800
Goldwater Bank, N.A. 1 3.38% $3,554
GERSHMAN INVESTMENT CORP. 1 3.25% $2,329
Inwood National Bank 1 2.63% $3,286
JAMES B. NUTTER & COMPANY 1 4.50% $2,300
Gate City Bank 1 2.88% $2,847
KANSAS STATE UNIVERSITY Federal Credit Union 1 3.00% $1,236
GARDNER FINANCIAL SERVICES, LTD. 1 3.00% $5,748
FRONTIER COMMUNITY CREDIT UNION 1 2.63% $1,806
First National Bank of Omaha 1 3.00% $2,136
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.25% $1,350
First Midwest Bank 1 2.63% $3,097
Magnolia Bank 1 2.88% $3,809
Mazuma Credit Union 1 3.13% $3,499
First Interstate Bank 1 2.88% $5,031
FIRST COMMUNITY MORTGAGE, INC. 1 3.50% $1,697
Firstar Bank 1 2.63% $2,954
ESB Financial 1 3.50% $1,839
Enterprise Bank & Trust 1 2.63% $2,464
EMBRACE HOME LOANS, INC. 1 3.99% $6,999
DRAPER AND KRAMER MORTGAGE CORP. 1 3.25% $3,099
Dollar Bank, Federal Savings Bank 1 3.38% $3,671
DIGITAL Federal Credit Union 1 3.00% $4,854
DEEPHAVEN MORTGAGE LLC 1 8.38% $3,604
CORNERSTONE HOME LENDING, INC. 1 2.63% $6,240
Northpointe Bank 1 2.95% $2,043
Oakstar Bank 1 3.25% $2,335
Core Bank 1 3.38% $2,263
Community First National Bank 1 3.63% $3,056
PARKSIDE LENDING, LLC 1 3.63% $3,031
ACADEMY MORTGAGE CORPORATION 1 3.13% $3,100

WICHITA, KS's 209 lenders originated 23,669 loans during 2020. The total origination value was $4,390,905,000, with an average loan value of $185,513.

The top WICHITA lender as defined by loan originations is Fidelity Bank, National Association, with 711 loans originated. Their average total fees are $2,638, which is $628 higher than the next largest lender, CREDIT UNION OF AMERICA.

The lowest fee WICHITA lenders (with over 10 loans originated) are ROUNDPOINT MORTGAGE SERVICING CORPORATION ($1,094), Central National Bank ($1,306), GOLDEN PLAINS ($1,539), Intrust Bank, National Association ($1,614) and Wichita Federal Credit Union ($1,926).

The lowest rate WICHITA lenders (with over 10 loans originated) are PENTAGON FEDERAL CREDIT UNION (2.87%), Members Mortgage Services, L.L.C. (2.88%), GOLDEN PLAINS (2.88%), United Fidelity Funding Corp. (2.93%) and First State Bank of St. Charles, Missouri (2.95%).

WICHITA, 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 2019 Loan Value 2020 Loan Value % Change 2020 Market Share
Fidelity Bank $158,545,000 $280,290,000 76.8% 6.4%
Meritrust Credit Union $106,980,000 $227,165,000 112.3% 5.2%
Quicken Loans $112,085,000 $224,570,000 100.4% 5.1%
Credit Union of America $119,065,000 $187,815,000 57.7% 4.3%
Intrust Bank National Association $106,125,000 $161,515,000 52.2% 3.7%
Capitol Federal Savings Bank $121,590,000 $151,050,000 24.2% 3.4%
Freedom Mortgage Corporation $35,375,000 $143,900,000 306.8% 3.3%
GATEWAY MORTGAGE GROUP $77,370,000 $139,085,000 79.8% 3.2%
Sierra Pacific Mortgage $64,730,000 $130,225,000 101.2% 3.0%
Home Bank and Trust Company $32,250,000 $109,990,000 241.1% 2.5%
EMPRISE BANK $83,155,000 $100,130,000 20.4% 2.3%
LeaderOne Financial Corp. $73,235,000 $90,340,000 23.4% 2.1%
Berkadia Commercial Mortgage $80,570,000 n/a 1.8%
Regent Financial Group $35,365,000 $73,165,000 106.9% 1.7%
KS StateBank $42,280,000 $70,550,000 66.9% 1.6%
BNC NATIONAL BANK $39,870,000 $67,910,000 70.3% 1.5%
Open Mortgage LLC $61,145,000 $61,340,000 0.3% 1.4%
Pentagon Federal Credit Union $28,935,000 $60,495,000 109.1% 1.4%
MOVEMENT MORTGAGE, LLC $41,490,000 $58,220,000 40.3% 1.3%
Heartland Credit Union $35,930,000 $53,215,000 48.1% 1.2%
COMMERCE BANK $46,675,000 $49,820,000 6.7% 1.1%
Mortgage Research Center LLC $24,965,000 $47,380,000 89.8% 1.1%
Flat Branch Mortgage Inc. $485,000 $46,240,000 9,434.0% 1.1%
US BANK, N.A. $28,790,000 $46,055,000 60.0% 1.0%
WELLS FARGO BANK NA $48,935,000 $44,780,000 -8.5% 1.0%
Wichita Federal Credit Union $10,920,000 $44,235,000 305.1% 1.0%
SKYWARD Credit Union $11,740,000 $41,790,000 256.0% 1.0%
LEGACY BANK $22,930,000 $39,465,000 72.1% 0.9%
Arbor Realty Trust Inc $18,175,000 $38,850,000 113.8% 0.9%
Garden Plain State Bank $16,250,000 $38,110,000 134.5% 0.9%
FAIRWAY INDEPENDENT MORT CORP $22,625,000 $38,025,000 68.1% 0.9%
RCB BANK $32,655,000 $38,015,000 16.4% 0.9%
Union State Bank $7,785,000 $37,935,000 387.3% 0.9%
Sunflower Bank, N.A. $18,955,000 $35,235,000 85.9% 0.8%
Flagstar Bank $41,760,000 $35,085,000 -16.0% 0.8%
DelMar Financial Company $14,630,000 $34,480,000 135.7% 0.8%
PRIMELENDING $31,265,000 $33,910,000 8.5% 0.8%
Citizens Bank of Kansas $18,850,000 $33,720,000 78.9% 0.8%
CrossFirst Bank $25,570,000 $33,660,000 31.6% 0.8%
The Halstead Bank $11,175,000 $33,340,000 198.3% 0.8%
Bank of America NA $33,000,000 $32,805,000 -0.6% 0.7%
Nationstar Mortgage $14,380,000 $32,085,000 123.1% 0.7%
loanDepot LLC $16,100,000 $31,805,000 97.5% 0.7%
Mid American Credit Union $15,030,000 $30,220,000 101.1% 0.7%
PENNYMAC LOAN SERVICES LLC $12,005,000 $28,170,000 134.7% 0.6%
Community National Bank & Trust $17,690,000 $25,640,000 44.9% 0.6%
WALKER & DUNLOP, LLC $25,250,000 n/a 0.6%
The Citizens State Bank $12,740,000 $24,950,000 95.8% 0.6%
USAA FEDERAL SAVINGS BANK $32,590,000 $24,870,000 -23.7% 0.6%
Planet Home Lending LLC $8,970,000 $24,810,000 176.6% 0.6%
Kanza Bank $14,895,000 $23,140,000 55.4% 0.5%
BOKF NA $15,535,000 $22,505,000 44.9% 0.5%
Thrive Mortgage LLC $10,100,000 $22,295,000 120.7% 0.5%
KeyBank National Association $21,300,000 n/a 0.5%
US Mortgage Corporation $11,100,000 $21,170,000 90.7% 0.5%
Home Point Financial Corporation $7,360,000 $20,175,000 174.1% 0.5%
SOUTHWEST NATIONAL BANK $14,200,000 $19,925,000 40.3% 0.5%
CBRE Multifamily Capital, Inc. $19,505,000 n/a 0.4%
Simmons Bank $15,860,000 $19,000,000 19.8% 0.4%
Primary Residential Mortgage Inc. $11,120,000 $18,465,000 66.1% 0.4%
Plains Commerce Bank $17,775,000 n/a 0.4%
Ark-La-Tex Financial Services LLC $13,600,000 $17,465,000 28.4% 0.4%
Equity Bank $23,210,000 $16,860,000 -27.4% 0.4%
Amerisave Mortgage Corporation $6,190,000 $15,980,000 158.2% 0.4%
White Eagle Credit Union $8,210,000 $15,875,000 93.4% 0.4%
United Shore Financial Services LLC $4,055,000 $15,615,000 285.1% 0.4%
Golden Plains Credit Union $5,355,000 $15,535,000 190.1% 0.4%
Lakeview Loan Servicing, LLC $3,035,000 $14,915,000 391.4% 0.3%
Financail Funding Solutions, Inc $5,060,000 $14,760,000 191.7% 0.3%
NAVY FEDERAL CREDIT UNION $15,680,000 $14,250,000 -9.1% 0.3%
JPMorgan Chase Bank, NA $13,310,000 $14,180,000 6.5% 0.3%
Prudential Multifamily Mortgage, LLC. $14,005,000 n/a 0.3%
UMB BANK NA $5,660,000 $13,890,000 145.4% 0.3%
Inland Bank and Trust $9,675,000 $13,835,000 43.0% 0.3%
BANK OF THE WEST $15,010,000 $13,455,000 -10.4% 0.3%
CENTRAL NATIONAL BANK $5,995,000 $13,020,000 117.2% 0.3%
New American Funding (dba for Broker Solutions Inc) $3,325,000 $11,580,000 248.3% 0.3%
Spirit of Texas Bank $11,545,000 n/a 0.3%
Caliber Home Loans Inc $4,185,000 $11,355,000 171.3% 0.3%
Keller Mortgage LLC $11,100,000 $11,350,000 2.3% 0.3%
ARVEST BANK $4,890,000 $10,710,000 119.0% 0.2%
Guild Mortgage Company $4,560,000 $10,650,000 133.6% 0.2%
NewDay Financial LLC dba NewDay USA $4,000,000 $10,250,000 156.3% 0.2%
Better Mortgage Corporation $1,375,000 $10,010,000 628.0% 0.2%
NEWREZ LLC $2,190,000 $9,945,000 354.1% 0.2%
Members Mortgage Services $11,110,000 $9,275,000 -16.5% 0.2%
Mortgage Investment Services Corporation $3,800,000 $8,705,000 129.1% 0.2%
The Valley State Bank $7,375,000 $8,155,000 10.6% 0.2%
United Fidelity Funding Corp. $5,990,000 $7,110,000 18.7% 0.2%
Sun West Mortgage Company Inc. $2,595,000 $7,070,000 172.4% 0.2%
Barrington Bank & Trust $3,635,000 $6,890,000 89.5% 0.2%
American Financing Corporation $1,450,000 $6,660,000 359.3% 0.2%
The Bennington State Bank $1,140,000 $6,370,000 458.8% 0.1%
Mid America Mortgage Inc. $4,665,000 $5,940,000 27.3% 0.1%
CARRINGTON MORTGAGE SERVICES $5,260,000 $5,705,000 8.5% 0.1%
Nations Lending Corporation $3,515,000 $5,595,000 59.2% 0.1%
Synergy One Lending $2,810,000 $5,400,000 92.2% 0.1%
Low VA Rates $855,000 $5,300,000 519.9% 0.1%
NBKC Bank $14,090,000 $5,185,000 -63.2% 0.1%
Branch Banking And Trust Co $4,105,000 $4,990,000 21.6% 0.1%
North American Savings Bank $4,155,000 $4,890,000 17.7% 0.1%
First Guaranty Mortgage Corporation $2,135,000 $4,505,000 111.0% 0.1%
CBNA $2,055,000 $4,400,000 114.1% 0.1%
American Financial Network Inc. $690,000 $4,165,000 503.6% 0.1%
First Mortgage Solutions LLC $390,000 $4,090,000 948.7% 0.1%
First State Bank Of St. Charles Missouri $1,900,000 $3,985,000 109.7% 0.1%
NBH Bank $12,880,000 $3,965,000 -69.2% 0.1%
Quantum Credit Union $2,560,000 $3,690,000 44.1% 0.1%
Endeavor Capital Mortgage LLC $1,950,000 $3,685,000 89.0% 0.1%
Churchill Mortgage Corporation $1,625,000 $3,635,000 123.7% 0.1%
Royal United Mortgage LLC $2,085,000 $3,575,000 71.5% 0.1%
Triad Financial Services Inc $2,435,000 $3,430,000 40.9% 0.1%
Morgan Stanley Private Bank NA $2,355,000 $3,425,000 45.4% 0.1%
Guaranteed Rate Inc. $3,100,000 $3,260,000 5.2% 0.1%
CMG Mortgage Inc. $4,530,000 $3,190,000 -29.6% 0.1%
Colonial Savings $255,000 $2,570,000 907.8% 0.1%
The Federal Savings Bank $2,755,000 $2,505,000 -9.1% 0.1%
BELL BANK $155,000 $2,465,000 1,490.3% 0.1%
Equity Prime Mortgage LLC $2,415,000 n/a 0.1%
Oceanside Mortgage Company $875,000 $2,360,000 169.7% 0.1%
Dougherty Mortgage, LLC $2,345,000 n/a 0.1%
PANHANDLE FEDERAL CREDIT UNION $2,720,000 $2,340,000 -14.0% 0.1%
21ST MORTGAGE $1,380,000 $2,290,000 65.9% 0.1%
Cardinal Financial Company LP $385,000 $2,250,000 484.4% 0.1%
First Federal Bank of Kansas City $2,100,000 $2,220,000 5.7% 0.1%
Midwest Mortgage Associates $2,190,000 n/a 0.0%
Premia Mortgage, LLC $2,550,000 $2,115,000 -17.1% 0.0%
Magnolia Bank Incorporated $505,000 $2,105,000 316.8% 0.0%
American Financial Resources Inc. $75,000 $2,100,000 2,700.0% 0.0%
Community Bank of Topeka $2,095,000 n/a 0.0%
CommunityAmerica Credit Union $1,515,000 $2,035,000 34.3% 0.0%
Mortgage Lenders of America LLC $1,885,000 $1,970,000 4.5% 0.0%
James B. Nutter & Company $445,000 $1,905,000 328.1% 0.0%
Finance of America Mortgage LLC $1,640,000 $1,805,000 10.1% 0.0%
Sirva Mortgage Inc. $3,220,000 $1,670,000 -48.1% 0.0%
Homeside Financial LLC $785,000 $1,655,000 110.8% 0.0%
Landmark National Bank $1,925,000 $1,535,000 -20.3% 0.0%
Discover Bank $1,050,000 $1,510,000 43.8% 0.0%
US Mortgage of Florida $1,500,000 n/a 0.0%
Wyndham Capital Mortgage $765,000 $1,380,000 80.4% 0.0%
FirstBank $880,000 $1,355,000 54.0% 0.0%
DAS Acquisition Company, LLC $2,155,000 $1,335,000 -38.1% 0.0%
MID AMERICA BANK $710,000 $1,330,000 87.3% 0.0%
West Gate Bank $605,000 $1,260,000 108.3% 0.0%
Bank of England $420,000 $1,245,000 196.4% 0.0%
First Community Mortgage Inc. $1,425,000 $1,245,000 -12.6% 0.0%
Community Mortgage LLC $930,000 $1,230,000 32.3% 0.0%
Union Home Mortgage Company $980,000 $1,225,000 25.0% 0.0%
AimLoan.com $590,000 $1,205,000 104.2% 0.0%
Ascentra Credit Union $1,195,000 n/a 0.0%
Northwest Farm Credit Services, FLCA $1,185,000 n/a 0.0%
Mortgage Solutions of Colorado LLC $620,000 $1,170,000 88.7% 0.0%
Plaza Home Mortgage Inc. $535,000 $1,155,000 115.9% 0.0%
Armed Forces Bank $155,000 $1,140,000 635.5% 0.0%
Cherry Creek Mortgage Co. Inc. $295,000 $1,105,000 274.6% 0.0%
SoFi Lending Corp $1,105,000 n/a 0.0%
Stearns Lending $75,000 $1,085,000 1,346.7% 0.0%
ESB Financial $2,065,000 $1,080,000 -47.7% 0.0%
Prosperity Home Mortgage LLC $215,000 $1,065,000 395.3% 0.0%
Homeowners Financial Group $295,000 $1,045,000 254.2% 0.0%
Sente Mortgage Inc. $1,045,000 n/a 0.0%
FirstOak Bank $45,000 $1,010,000 2,144.4% 0.0%
FIRST UNITED BANK AND TRUST CO $185,000 $1,000,000 440.5% 0.0%
Embrace Home Loans, Inc. $770,000 $975,000 26.6% 0.0%
American Bank of Oklahoma $940,000 n/a 0.0%
First Home Bank $340,000 $925,000 172.1% 0.0%
First State Bank & Trust $310,000 $925,000 198.4% 0.0%
Huntington National Bank $470,000 $905,000 92.6% 0.0%
TIAA, FSB $1,255,000 $900,000 -28.3% 0.0%
Deere Employees Credit Union $815,000 $895,000 9.8% 0.0%
OakStar Bank $295,000 $895,000 203.4% 0.0%
HomeBridge Financial Services, Inc. $535,000 $885,000 65.4% 0.0%
Citibank, N.A. $570,000 $865,000 51.8% 0.0%
PHH MORTGAGE CORPORATION $180,000 $865,000 380.6% 0.0%
AAG $395,000 $835,000 111.4% 0.0%
Guidance Residential LLC $930,000 $825,000 -11.3% 0.0%
Guaranteed Rate Affinity LLC $675,000 $820,000 21.5% 0.0%
APCI Federal Credit Union $805,000 n/a 0.0%
Busey Bank $405,000 $800,000 97.5% 0.0%
Cf Bank National Association $115,000 $785,000 582.6% 0.0%
Mid-Continent Funding, Inc. $105,000 $780,000 642.9% 0.0%
LoanPal $390,000 $775,000 98.7% 0.0%
M&T Bank $75,000 $745,000 893.3% 0.0%
DOLLAR BANK, FSB $735,000 n/a 0.0%
Supreme Lending/ Everett Financial Inc. $250,000 $735,000 194.0% 0.0%
BMO Harris Bank N.A. $1,035,000 $730,000 -29.5% 0.0%
United Mortgage Corp $700,000 n/a 0.0%
Paramount Residential Mortgage Group Inc. $310,000 $685,000 121.0% 0.0%
Baxter Credit Union $815,000 $675,000 -17.2% 0.0%
Truity Credit Union $55,000 $675,000 1,127.3% 0.0%
CAPITAL BANK, NA $660,000 n/a 0.0%
COMPASS BANK $645,000 n/a 0.0%
FIRST NATIONAL BANK OF OMAHA $32,855,000 $645,000 -98.0% 0.0%
UBS Bank USA $540,000 $645,000 19.4% 0.0%
LenderFi, Inc. $500,000 $630,000 26.0% 0.0%
On Q Financial Inc. $620,000 n/a 0.0%
Highlands Residential Mortgage Ltd $610,000 n/a 0.0%
Goldwater Bank National Association $380,000 $605,000 59.2% 0.0%
Firstar Bank $585,000 n/a 0.0%
Bank 2 $145,000 $580,000 300.0% 0.0%
American National Bank $565,000 n/a 0.0%
Angel Oak Mortgage Solutions $560,000 $560,000 0.0% 0.0%
UNION STATE BANK OF EVEREST $555,000 n/a 0.0%
American Pacific Mortgage Corporation $215,000 $530,000 146.5% 0.0%
Farm Credit Mid-America $520,000 n/a 0.0%
Envista Credit Union $155,000 $510,000 229.0% 0.0%
BNY MELLON, N.A. $685,000 $505,000 -26.3% 0.0%
Megastar Financial Corporation $300,000 $505,000 68.3% 0.0%
Community First National Bank $640,000 $490,000 -23.4% 0.0%
Hometown Lenders LLC $470,000 n/a 0.0%
TCF National Bank $35,000 $465,000 1,228.6% 0.0%
First Internet Bank $765,000 $460,000 -39.9% 0.0%
Academy Mortgage Corporation $450,000 n/a 0.0%
Citizens Equity First Credit Union (CEFCU) $315,000 $450,000 42.9% 0.0%
Pinnacle Bank - KMN $55,000 $450,000 718.2% 0.0%
Southwest Funding LP $450,000 n/a 0.0%
Alliant Credit Union $235,000 $430,000 83.0% 0.0%
First Option Bank $420,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $275,000 $415,000 50.9% 0.0%
Reliance First Capital LLC $495,000 $415,000 -16.2% 0.0%
Gershman Investment Corp. $255,000 $410,000 60.8% 0.0%
Mazuma Credit Union $395,000 n/a 0.0%
Azura Credit Union $100,000 $385,000 285.0% 0.0%
Axos Bank $355,000 $375,000 5.6% 0.0%
Intercontinental Capital Group, Inc. $195,000 $365,000 87.2% 0.0%
Ruoff Home Mortgage $390,000 $365,000 -6.4% 0.0%
Purdue Federal Credit Union $360,000 n/a 0.0%
Rock Canyon Bank $350,000 n/a 0.0%
Impac Mortgage Corp. dba CashCall Mortgage $360,000 $345,000 -4.2% 0.0%
VisionBank $325,000 n/a 0.0%
ENTERPRISE BANK & TRUST $320,000 n/a 0.0%
JLB Corporation dba Golden Oak Lending $320,000 n/a 0.0%
Kansas State University Federal Credit Union $320,000 n/a 0.0%
Boeing Employees' Credit Union (BECU) $340,000 $315,000 -7.4% 0.0%
Farmers Bank & Trust $315,000 n/a 0.0%
Assemblies Of God Credit Union $135,000 $310,000 129.6% 0.0%
Bank of Whittier, Na $300,000 n/a 0.0%
Parkside Lending LLC $2,195,000 $290,000 -86.8% 0.0%
REGIONS BANK $95,000 $290,000 205.3% 0.0%
Inwood National Bank $285,000 n/a 0.0%
Northern Mortgage Services, LLC $310,000 $285,000 -8.1% 0.0%
Peoples Bank $625,000 $285,000 -54.4% 0.0%
The Union Bank Company $285,000 n/a 0.0%
Charles Schwab Bank $600,000 $280,000 -53.3% 0.0%
Homestead Funding Corp. $280,000 n/a 0.0%
PNC BANK NA $685,000 $280,000 -59.1% 0.0%
SPRING EQ, LLC $420,000 $280,000 -33.3% 0.0%
First Midwest Bank $75,000 $275,000 266.7% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC $65,000 $270,000 315.4% 0.0%
Carrollton Bank $375,000 $265,000 -29.3% 0.0%
Centier Bank $600,000 $265,000 -55.8% 0.0%
Digital Federal Credit Union $265,000 n/a 0.0%
EXCHANGE BANK & TRUST $255,000 n/a 0.0%
FIRST INTERSTATE BANK $255,000 n/a 0.0%
Independent Bank $255,000 $255,000 0.0% 0.0%
Northpointe Bank $400,000 $255,000 -36.3% 0.0%
Citywide Home Loans A Utah Corporation $245,000 $245,000 0.0% 0.0%
FIRST NATIONAL BANK OF OTTAWA $245,000 n/a 0.0%
Lenox Financial Mortgage Corp. $235,000 n/a 0.0%
MLD Mortgage Inc. $235,000 n/a 0.0%
Florida Capital Bank National Association $290,000 $225,000 -22.4% 0.0%
Four Points Federal Credit Union $225,000 n/a 0.0%
Midland States Bank $225,000 n/a 0.0%
Service Credit Union $225,000 n/a 0.0%
Central Bank $215,000 n/a 0.0%
Draper and Kramer Mortgage Corp. $215,000 $215,000 0.0% 0.0%
Merchants Bank of Indiana $215,000 n/a 0.0%
US Wide Financial $215,000 n/a 0.0%
United Consumers Credit Union $210,000 n/a 0.0%
Core Bank $205,000 n/a 0.0%
Gardner Financial Services dba Legacy Mutual Mortgage $195,000 n/a 0.0%
RBC Bank (Georgia), N.A. $195,000 n/a 0.0%
Reverse Mortgage Funding LLC $195,000 n/a 0.0%
Stifel Bank and Trust $1,340,000 $195,000 -85.4% 0.0%
Midwest Equity Mortgage LLC $185,000 n/a 0.0%
WESTERN VISTA FEDERAL CREDIT U $185,000 n/a 0.0%
F&B Financial Group $175,000 n/a 0.0%
Generations Bank $155,000 n/a 0.0%
Hawthorn Bank $155,000 n/a 0.0%
RENASANT BANK $245,000 $155,000 -36.7% 0.0%
Intercap Lending Inc $145,000 n/a 0.0%
Meridian Bank $145,000 n/a 0.0%
Skyone Federal Credit Union $145,000 n/a 0.0%
The Home Loan Expert $145,000 n/a 0.0%
Chevron Federal Credit Union $140,000 n/a 0.0%
Academy Bank NA $650,000 $135,000 -79.2% 0.0%
Nudge Funding LLC $135,000 n/a 0.0%
Union Savings Bank $135,000 n/a 0.0%
Communication Federal Credit Union $15,000 $125,000 733.3% 0.0%
LABETTE BANK $125,000 n/a 0.0%
Longbridge Financial, LLC $270,000 $125,000 -53.7% 0.0%
NuMark Credit Union $220,000 $125,000 -43.2% 0.0%
Silver Lake Bank $125,000 n/a 0.0%
United Security Financial $265,000 $125,000 -52.8% 0.0%
COUNTRY CLUB BANK $115,000 n/a 0.0%
Frontier Community Credit Union $115,000 n/a 0.0%
Grand Bank for Savings FSB $115,000 n/a 0.0%
HAPPY STATE BANK $115,000 n/a 0.0%
THE FARMERS STATE BANK OF WESTMORELAND $115,000 n/a 0.0%
US Employees OC Federal Credit Union $115,000 n/a 0.0%
First Savings Bank $460,000 $105,000 -77.2% 0.0%
Peoples Mortgage Company $450,000 $105,000 -76.7% 0.0%
First National Bank Texas $95,000 n/a 0.0%
Home Loan Investment Bank $255,000 $95,000 -62.7% 0.0%
GSF Mortgage Corporation $185,000 $85,000 -54.1% 0.0%
Velocity Commercial Capital LLC $75,000 $85,000 13.3% 0.0%
ARMSTRONG BANK $75,000 n/a 0.0%
CITIZENS BANK OF EDMOND $75,000 n/a 0.0%
Star One Credit Union $75,000 n/a 0.0%
State Farm Bank $2,515,000 $75,000 -97.0% 0.0%
Bethpage Federal Credit Union $65,000 n/a 0.0%
EVERENCE FEDERAL CREDIT UNION $65,000 n/a 0.0%
FBC Mortgage LLC $55,000 n/a 0.0%
Gate City Bank $55,000 n/a 0.0%
MidFirst Bank $55,000 n/a 0.0%
Peoples State Bank $55,000 n/a 0.0%
Great Southern Bank $410,000 $25,000 -93.9% 0.0%
HomeTrust Bank $25,000 n/a 0.0%
Anheuser Busch Employees Credit Union $15,000 n/a 0.0%
UNIFY Financial Credit Union $15,000 n/a 0.0%

WICHITA's top lender by overall market share is Fidelity Bank, with 6.4% market share. In second place, with 5.2%, is Meritrust Credit Union, having originated $227,165,000 in loans. In third place, with 5.1%, is Quicken Loans, having originated $224,570,000 in loans. In third place, with 4.3%, is Credit Union of America, having originated $187,815,000 in loans. In third place, with 3.7%, is Intrust Bank National Association, having originated $161,515,000 in loans.


WICHITA, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 10,532 $1,973,540,000 $187,385
Refi 8,397 $1,635,505,000 $194,773
Cash Out Refi 3,302 $573,650,000 $173,728
Other 748 $163,250,000 $218,249
Home Improvement 690 $44,960,000 $65,159

Wichita's most frequently cited loan purpose was Home Purchase, with 10,532 originations. The 2nd most popular reason was Refi, with 8,397 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 9,182 $1,650,180,000 $179,719
2.5-3% 7,943 $1,631,025,000 $205,341
<2.5% 2,106 $424,120,000 $201,387
4-5% 1,840 $290,930,000 $158,114
5-6% 553 $45,055,000 $81,474
7-8% 231 $5,015,000 $21,710
6-7% 101 $5,765,000 $57,079
Over 8% 43 $2,605,000 $60,581

During 2020, Wichita's most frequently originated rate bucket was 3-4%, with 9,182 originations.

Loan Sizing (WICHITA, KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 10,775 $1,594,815,000 $148,011
$200k-400k 6,168 $1,618,730,000 $262,440
$100,000 or less 5,822 $364,570,000 $62,619
$400k-600k 660 $307,250,000 $465,530
$600k-1000k 139 $106,435,000 $765,719
$Over $1MM 105 $399,105,000 $3,801,000

WICHITA's loan sizing saw the bucket of loans from $100k-200k with 10,775 originations, totaling $1,594,815,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 9,913 $1,877,325,000 $189,380
60-80% 6,855 $1,448,845,000 $211,356
40-60% 1,952 $306,420,000 $156,977
20-40% 925 $82,005,000 $88,654
Under 20% 688 $26,430,000 $38,416
Over 100% 386 $95,070,000 $246,295

WICHITA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 9,913 originations, totaling $1,877,325,000 in origination value.