WICHITA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Wichita averaged
6.96%
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
6.69% and
one month ago for the week of 2025-05-15, the
average rate was 6.76%.
Wichita's average rate one year ago was 6.7%.
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% |
| Wichita 30 Year Fixed Rate | 2025-06-18 | 6.96% |
| Wichita 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Wichita 15 Year Fixed Rate | 2025-06-18 | 6.67% |
| Wichita 15 Year Fixed Rate Refi | 2025-06-18 | 7.4% |
| Wichita 30 Year FHA | 2025-06-18 | 0.27% |
| Wichita 30 Year FHA Refi | 2025-06-18 | -0.39% |
| Wichita 30 Year USDA | 2025-06-18 | -0.22% |
| Wichita 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Wichita 30 Year VA | 2025-06-18 | 0.36% |
| Wichita 30 Year VA Refi | 2025-06-18 | -0.71% |
WICHITA 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 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.).
WICHITA Average Closing Costs & Other Stats
WICHITA, KS's 188 lenders originated 13,492
loans during 2024. The total origination value was $2,808,050,000, with an average loan value of
$208,127.
WICHITA's average closing costs are $4,309.
The top WICHITA lender as defined by loan originations is MERITRUST Federal Credit Union, with
412 loans originated. Their average total fees are
$3,538, which is $165
higher than the next largest lender,
Fidelity Bank.
The lowest fee WICHITA lenders (with over 10 loans originated) are
Discover Bank ($0), Bank of America ($2,247), Intrust Bank ($2,256), Emprise Bank ($2,890) and NBKC BANK ($2,969).
The lowest rate WICHITA lenders (with over 10 loans originated) are
CREDIT UNION OF AMERICA (6.15%), MERITRUST Federal Credit Union (6.20%), Bank of America (6.27%), PROVIDENT FUNDING ASSOCIATES, L.P. (6.32%) and USAA Federal Savings Bank (6.39%).
WICHITA, 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 |
|---|---|---|---|---|
| MERITRUST Federal Credit Union | $113,235,000 | $151,340,000 | 33.7% | 5.4% |
| Fidelity Bank | $139,750,000 | $141,575,000 | 1.3% | 5.0% |
| BERKELEY POINT CAPITAL LLC | $29,770,000 | $130,780,000 | 339.3% | 4.7% |
| QUICKEN LOANS, LLC | $95,370,000 | $119,020,000 | 24.8% | 4.2% |
| Capitol Federal Savings Bank | $64,000,000 | $112,110,000 | 75.2% | 4.0% |
| CREDIT UNION OF AMERICA | $89,125,000 | $91,450,000 | 2.6% | 3.3% |
| FLAT BRANCH MORTGAGE, INC. | $93,875,000 | $91,130,000 | -2.9% | 3.2% |
| Sierra Pacific Mortgage Company, Inc. | $69,015,000 | $79,025,000 | 14.5% | 2.8% |
| Mortgage Research Center, LLC | $59,910,000 | $74,370,000 | 24.1% | 2.6% |
| Emprise Bank | $73,145,000 | $63,315,000 | -13.4% | 2.3% |
| PENNYMAC LOAN SERVICES, LLC | $26,645,000 | $59,125,000 | 121.9% | 2.1% |
| Gateway First Bank | $51,955,000 | $58,505,000 | 12.6% | 2.1% |
| Legacy Bank | $45,280,000 | $54,145,000 | 19.6% | 1.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $37,635,000 | $52,585,000 | 39.7% | 1.9% |
| Intrust Bank | $56,700,000 | $50,595,000 | -10.8% | 1.8% |
| GUILD MORTGAGE COMPANY | $1,640,000 | $44,095,000 | 2,588.7% | 1.6% |
| Community National Bank & Trust | $38,360,000 | $40,145,000 | 4.7% | 1.4% |
| HOME BANK AND TRUST COMPANY | $25,945,000 | $39,075,000 | 50.6% | 1.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $35,315,000 | $36,960,000 | 4.7% | 1.3% |
| PLANET HOME LENDING, LLC | $16,945,000 | $34,825,000 | 105.5% | 1.2% |
| FREEDOM MORTGAGE CORPORATION | $12,185,000 | $31,985,000 | 162.5% | 1.1% |
| PENTAGON FEDERAL CREDIT UNION | $50,180,000 | $31,790,000 | -36.6% | 1.1% |
| Equity Bank | $18,995,000 | $28,905,000 | 52.2% | 1.0% |
| Regent Financial Group, Inc. | $25,430,000 | $27,315,000 | 7.4% | 1.0% |
| LOANDEPOT.COM, LLC | $38,100,000 | $27,090,000 | -28.9% | 1.0% |
| Arbor Realty Trust, Inc. | $8,280,000 | $26,365,000 | 218.4% | 0.9% |
| Commerce Bank | $24,945,000 | $25,795,000 | 3.4% | 0.9% |
| HEARTLAND CREDIT UNION | $21,815,000 | $23,275,000 | 6.7% | 0.8% |
| Garden Plain State Bank | $14,635,000 | $21,220,000 | 45.0% | 0.8% |
| NEWREZ LLC | $9,835,000 | $21,020,000 | 113.7% | 0.7% |
| The Union State Bank | $20,665,000 | $20,945,000 | 1.4% | 0.7% |
| U.S. Bank | $22,460,000 | $19,645,000 | -12.5% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $18,655,000 | $19,385,000 | 3.9% | 0.7% |
| Flagstar Bank, FSB | $17,640,000 | $18,765,000 | 6.4% | 0.7% |
| Members Mortgage Services, L.L.C. | $5,590,000 | $18,050,000 | 222.9% | 0.6% |
| Bank of America | $17,980,000 | $17,855,000 | -0.7% | 0.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $16,195,000 | $17,065,000 | 5.4% | 0.6% |
| KS StateBank | $12,000,000 | $16,870,000 | 40.6% | 0.6% |
| RCB Bank | $17,560,000 | $16,270,000 | -7.3% | 0.6% |
| US MORTGAGE CORPORATION | $16,945,000 | $15,800,000 | -6.8% | 0.6% |
| Citizens Bank of Kansas | $15,895,000 | $15,675,000 | -1.4% | 0.6% |
| Central National Bank | $5,765,000 | $15,410,000 | 167.3% | 0.5% |
| Wichita Federal Credit Union | $15,940,000 | $15,060,000 | -5.5% | 0.5% |
| Carson Bank | $10,410,000 | $14,530,000 | 39.6% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $10,875,000 | $14,235,000 | 30.9% | 0.5% |
| NBKC BANK | $5,890,000 | $14,210,000 | 141.3% | 0.5% |
| OPEN MORTGAGE, LLC | $34,855,000 | $14,155,000 | -59.4% | 0.5% |
| USAA Federal Savings Bank | $10,585,000 | $12,955,000 | 22.4% | 0.5% |
| The Stock Exchange Bank | $10,770,000 | $12,945,000 | 20.2% | 0.5% |
| CBRE MULTIFAMILY CAPITAL, INC. | $20,550,000 | $12,520,000 | -39.1% | 0.4% |
| American Mortgage Bank, LLC | $12,455,000 | n/a | 0.4% | |
| MID AMERICAN | $9,340,000 | $12,060,000 | 29.1% | 0.4% |
| Prudential Huntoon Paige Associates, LLC | $11,760,000 | n/a | 0.4% | |
| The Halstead Bank | $8,405,000 | $11,555,000 | 37.5% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $745,000 | $11,505,000 | 1,444.3% | 0.4% |
| LEADERONE FINANCIAL CORPORATION | $13,815,000 | $11,405,000 | -17.4% | 0.4% |
| Farm Credit Mid-America, ACA | $1,690,000 | $11,330,000 | 570.4% | 0.4% |
| BMO Harris Bank | $6,145,000 | $11,185,000 | 82.0% | 0.4% |
| ORIX REAL ESTATE CAPITAL, LLC | $64,665,000 | $10,660,000 | -83.5% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $10,200,000 | $10,560,000 | 3.5% | 0.4% |
| The Bennington State Bank | $6,320,000 | $10,470,000 | 65.7% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $20,960,000 | $9,795,000 | -53.3% | 0.3% |
| Arvest Bank | $6,670,000 | $9,595,000 | 43.9% | 0.3% |
| Plains Commerce Bank | $20,285,000 | $9,535,000 | -53.0% | 0.3% |
| JPMorgan Chase Bank | $5,325,000 | $9,265,000 | 74.0% | 0.3% |
| The Central Trust Bank | $9,845,000 | $9,240,000 | -6.1% | 0.3% |
| Andover State Bank | $20,825,000 | $9,045,000 | -56.6% | 0.3% |
| WHITE EAGLE Credit Union | $9,145,000 | $9,030,000 | -1.3% | 0.3% |
| The Citizens State Bank | $8,995,000 | $8,685,000 | -3.4% | 0.3% |
| VALLEY STATE BANK | $7,640,000 | $8,530,000 | 11.6% | 0.3% |
| Wells Fargo Bank | $13,820,000 | $8,515,000 | -38.4% | 0.3% |
| Sunflower Bank | $10,420,000 | $8,450,000 | -18.9% | 0.3% |
| Equity Prime Mortgage LLC | $6,895,000 | $8,440,000 | 22.4% | 0.3% |
| Vintage Bank Kansas | $9,025,000 | $8,275,000 | -8.3% | 0.3% |
| Community Bank of Wichita, Inc. | $11,400,000 | $8,075,000 | -29.2% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,350,000 | $7,925,000 | 82.2% | 0.3% |
| BROKER SOLUTIONS, INC. | $5,370,000 | $7,730,000 | 43.9% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $4,685,000 | $7,625,000 | 62.8% | 0.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $8,285,000 | $7,200,000 | -13.1% | 0.3% |
| Discover Bank | $4,110,000 | $6,890,000 | 67.6% | 0.2% |
| BOKF | $4,805,000 | $6,670,000 | 38.8% | 0.2% |
| Citizens State Bank of Cheney | $3,370,000 | $6,520,000 | 93.5% | 0.2% |
| Southwest National Bank | $7,275,000 | $6,020,000 | -17.3% | 0.2% |
| QUANTUM CREDIT UNION | $4,180,000 | $6,015,000 | 43.9% | 0.2% |
| CMG MORTGAGE, INC. | $5,660,000 | $5,835,000 | 3.1% | 0.2% |
| The Loan Store, Inc. | $6,610,000 | $5,625,000 | -14.9% | 0.2% |
| 21ST MORTGAGE CORPORATION | $7,520,000 | $5,600,000 | -25.5% | 0.2% |
| First Federal Bank | $785,000 | $5,545,000 | 606.4% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $4,330,000 | $5,390,000 | 24.5% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $6,420,000 | $5,330,000 | -17.0% | 0.2% |
| SKYWARD | $1,925,000 | $5,320,000 | 176.4% | 0.2% |
| Armed Forces Bank | $1,790,000 | $5,210,000 | 191.1% | 0.2% |
| GOLDEN PLAINS | $6,430,000 | $5,080,000 | -21.0% | 0.2% |
| Simmons Bank | $10,460,000 | $5,070,000 | -51.5% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $7,010,000 | $4,995,000 | -28.7% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $4,060,000 | $4,835,000 | 19.1% | 0.2% |
| Figure Lending LLC | $1,720,000 | $4,695,000 | 173.0% | 0.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,180,000 | $4,655,000 | 11.4% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $2,335,000 | $4,580,000 | 96.1% | 0.2% |
| Bank of Commerce and Trust Company | $3,090,000 | $4,385,000 | 41.9% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $85,000 | $4,310,000 | 4,970.6% | 0.2% |
| UMB Bank | $2,965,000 | $4,055,000 | 36.8% | 0.1% |
| Conway Bank | $3,905,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $2,540,000 | $3,735,000 | 47.0% | 0.1% |
| PREMIA MORTGAGE, LLC | $2,815,000 | $3,505,000 | 24.5% | 0.1% |
| ZILLOW HOME LOANS, LLC | $2,730,000 | $3,400,000 | 24.5% | 0.1% |
| The Federal Savings Bank | $2,720,000 | $3,390,000 | 24.6% | 0.1% |
| Morgan Stanley Private Bank | $3,115,000 | $3,370,000 | 8.2% | 0.1% |
| KANZA Bank | $10,960,000 | $3,265,000 | -70.2% | 0.1% |
| WALKER & DUNLOP, LLC | $4,445,000 | $3,245,000 | -27.0% | 0.1% |
| COMMUNITYAMERICA | $2,285,000 | $3,180,000 | 39.2% | 0.1% |
| Carrington Mortgage Services, LLC | $2,125,000 | $3,040,000 | 43.1% | 0.1% |
| AMERICAN FINANCING CORPORATION | $915,000 | $2,910,000 | 218.0% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $455,000 | $2,865,000 | 529.7% | 0.1% |
| TOWNE MORTGAGE COMPANY | $535,000 | $2,775,000 | 418.7% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $1,280,000 | $2,770,000 | 116.4% | 0.1% |
| PNC Bank | $1,345,000 | $2,680,000 | 99.3% | 0.1% |
| General Mortgage Capital Corporation | $3,065,000 | $2,490,000 | -18.8% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $1,665,000 | $2,485,000 | 49.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $2,285,000 | $2,290,000 | 0.2% | 0.1% |
| BETTER MORTGAGE CORPORATION | $915,000 | $2,165,000 | 136.6% | 0.1% |
| Mortgage Investment Services Corporation | $3,965,000 | $2,080,000 | -47.5% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,280,000 | $2,050,000 | 60.2% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $2,050,000 | n/a | 0.1% | |
| CrossFirst Bank | $7,705,000 | $1,955,000 | -74.6% | 0.1% |
| GUARANTEED RATE, INC. | $2,225,000 | $1,930,000 | -13.3% | 0.1% |
| UBS Bank USA | $245,000 | $1,900,000 | 675.5% | 0.1% |
| LOANPAL, LLC | $1,555,000 | $1,895,000 | 21.9% | 0.1% |
| SIRVA MORTGAGE, INC. | $1,945,000 | $1,890,000 | -2.8% | 0.1% |
| Community First National Bank | $1,710,000 | $1,885,000 | 10.2% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $400,000 | $1,880,000 | 370.0% | 0.1% |
| Bankers' Bank | $910,000 | $1,810,000 | 98.9% | 0.1% |
| Landmark National Bank | $3,535,000 | $1,805,000 | -48.9% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $860,000 | $1,765,000 | 105.2% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,715,000 | n/a | 0.1% | |
| Ally Bank | $1,170,000 | $1,695,000 | 44.9% | 0.1% |
| PHH Mortgage Corporation | $440,000 | $1,675,000 | 280.7% | 0.1% |
| AMWEST FUNDING CORP. | $930,000 | $1,645,000 | 76.9% | 0.1% |
| Bell Bank | $825,000 | $1,645,000 | 99.4% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,640,000 | n/a | 0.1% | |
| Coastal Community Bank | $1,215,000 | $1,620,000 | 33.3% | 0.1% |
| PANHANDLE FEDERAL CREDIT UNION | $3,805,000 | $1,560,000 | -59.0% | 0.1% |
| Charles Schwab Bank, SSB | $1,545,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $165,000 | $1,545,000 | 836.4% | 0.1% |
| First Bank | $340,000 | $1,510,000 | 344.1% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $2,700,000 | $1,475,000 | -45.4% | 0.1% |
| Midwest Mortgage Associates Corporation | $705,000 | $1,435,000 | 103.5% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $3,300,000 | $1,390,000 | -57.9% | 0.0% |
| NEXERA HOLDING LLC | $165,000 | $1,375,000 | 733.3% | 0.0% |
| Old National Bank | $630,000 | $1,375,000 | 118.3% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,120,000 | $1,330,000 | 18.8% | 0.0% |
| Prosperity Home Mortgage, LLC | $890,000 | $1,210,000 | 36.0% | 0.0% |
| First State Bank of St. Charles, Missouri | $1,330,000 | $1,180,000 | -11.3% | 0.0% |
| Cornerstone Bank | $1,135,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $1,210,000 | $1,110,000 | -8.3% | 0.0% |
| Magnolia Bank | $1,085,000 | n/a | 0.0% | |
| Citibank | $1,130,000 | $1,045,000 | -7.5% | 0.0% |
| S1L, Inc. | $260,000 | $1,045,000 | 301.9% | 0.0% |
| LENDSURE MORTGAGE CORP. | $1,030,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $695,000 | $1,030,000 | 48.2% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $3,240,000 | $965,000 | -70.2% | 0.0% |
| AmeriHome Mortgage Company, LLC | $875,000 | $950,000 | 8.6% | 0.0% |
| Mid-America Bank | $865,000 | $940,000 | 8.7% | 0.0% |
| Nations Lending Corporation | $215,000 | $930,000 | 332.6% | 0.0% |
| Bank of England | $680,000 | $920,000 | 35.3% | 0.0% |
| MORTGAGEONE, INC. | $895,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $785,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $785,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $190,000 | $775,000 | 307.9% | 0.0% |
| NBH Bank | $3,360,000 | $770,000 | -77.1% | 0.0% |
| Raymond James Bank | $765,000 | n/a | 0.0% | |
| Envista Credit Union | $745,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $570,000 | $745,000 | 30.7% | 0.0% |
| Busey Bank | $725,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $210,000 | $720,000 | 242.9% | 0.0% |
| Union Bank and Trust Company | $135,000 | $715,000 | 429.6% | 0.0% |
| U S WIDE FINANCIAL LLC | $715,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $735,000 | $705,000 | -4.1% | 0.0% |
| PEOPLES STATE BANK | $700,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $2,360,000 | $680,000 | -71.2% | 0.0% |
| Old Missouri Bank | $665,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $710,000 | $655,000 | -7.7% | 0.0% |
| Academy Bank | $495,000 | $650,000 | 31.3% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $395,000 | $635,000 | 60.8% | 0.0% |
| Allied First Bank,sb | $630,000 | n/a | 0.0% | |
| M&T Bank | $945,000 | $625,000 | -33.9% | 0.0% |
| UNITED MORTGAGE CORP | $625,000 | n/a | 0.0% | |
| First International Bank & Trust | $700,000 | $615,000 | -12.1% | 0.0% |
| CARDINAL FINANCIAL | $2,830,000 | $605,000 | -78.6% | 0.0% |
| Community National Bank | $595,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $165,000 | $595,000 | 260.6% | 0.0% |
| Deere Employees Credit Union | $690,000 | $590,000 | -14.5% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $95,000 | $590,000 | 521.1% | 0.0% |
| Citizens Bank | $325,000 | $585,000 | 80.0% | 0.0% |
| Texana Bank | $570,000 | n/a | 0.0% | |
| FIRST STATE MORTGAGE SERVICES, LLC | $545,000 | n/a | 0.0% | |
| OCMBC, INC. | $410,000 | $535,000 | 30.5% | 0.0% |
| Farmers Bank & Trust | $685,000 | $515,000 | -24.8% | 0.0% |
| T2 FINANCIAL LLC | $510,000 | n/a | 0.0% | |
| West Gate Bank | $835,000 | $510,000 | -38.9% | 0.0% |
| NexBank | $630,000 | $500,000 | -20.6% | 0.0% |
| Cornerstone First Mortgage, Inc | $485,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $480,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $475,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $1,040,000 | $465,000 | -55.3% | 0.0% |
| First National Bank of Omaha | $685,000 | $460,000 | -32.8% | 0.0% |
| SUMMIT FUNDING, INC. | $460,000 | n/a | 0.0% | |
| American National Bank | $445,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $440,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $1,125,000 | $430,000 | -61.8% | 0.0% |
| CHEVRON | $420,000 | n/a | 0.0% | |
| First National Bank of America | $210,000 | $415,000 | 97.6% | 0.0% |
| Truity Federal Credit Union | $765,000 | $400,000 | -47.7% | 0.0% |
| LIMA ONE CAPITAL, LLC | $2,165,000 | $390,000 | -82.0% | 0.0% |
| First United Bank and Trust Company | $430,000 | $385,000 | -10.5% | 0.0% |
| Presidential Bank, FSB | $385,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $375,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $160,000 | $365,000 | 128.1% | 0.0% |
| The Huntington National Bank | $1,485,000 | $365,000 | -75.4% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $355,000 | n/a | 0.0% | |
| Eagle Bank and Trust Company | $350,000 | n/a | 0.0% | |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $335,000 | n/a | 0.0% | |
| MAINSTREET FEDERAL CREDIT UNION | $335,000 | n/a | 0.0% | |
| Stride Bank | $325,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $460,000 | $320,000 | -30.4% | 0.0% |
| MORTGAGE ACCESS CORP. | $735,000 | $315,000 | -57.1% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $1,070,000 | $305,000 | -71.5% | 0.0% |
| Citadel Servicing Corporation | $300,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $295,000 | n/a | 0.0% | |
| First Community Bank | $205,000 | $295,000 | 43.9% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $295,000 | n/a | 0.0% | |
| American National Bank & Trust | $285,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $1,610,000 | $280,000 | -82.6% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $230,000 | $275,000 | 19.6% | 0.0% |
| LENDINGONE, LLC | $960,000 | $275,000 | -71.4% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $275,000 | $275,000 | 0.0% | 0.0% |
| Lakeview Community Capital, LLC | $25,000 | $265,000 | 960.0% | 0.0% |
| TJC Mortgage, Inc. | $265,000 | n/a | 0.0% | |
| Farmers and Drovers Bank | $120,000 | $255,000 | 112.5% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $195,000 | $255,000 | 30.8% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $255,000 | $255,000 | 0.0% | 0.0% |
| Midwest Bank | $255,000 | n/a | 0.0% | |
| TTCU Federal Credit Union | $245,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $920,000 | $240,000 | -73.9% | 0.0% |
| RESIDENTIAL BANCORP | $240,000 | n/a | 0.0% | |
| Amarillo National Bank | $235,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $235,000 | n/a | 0.0% | |
| Brighton Bank | $235,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $235,000 | n/a | 0.0% | |
| HALLMARK HOME MORTGAGE, LLC | $410,000 | $235,000 | -42.7% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $335,000 | $225,000 | -32.8% | 0.0% |
| Watermark Capital, Inc. | $225,000 | n/a | 0.0% | |
| KINECTA | $115,000 | $215,000 | 87.0% | 0.0% |
| The Citizens National Bank | $215,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
| ASSEMBLIES OF GOD Credit Union | $1,000,000 | $205,000 | -79.5% | 0.0% |
| COMMUNICATION | $550,000 | $205,000 | -62.7% | 0.0% |
| First Western Trust Bank | $205,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $295,000 | $205,000 | -30.5% | 0.0% |
| First Savings Bank | $3,035,000 | $185,000 | -93.9% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $180,000 | $185,000 | 2.8% | 0.0% |
| Performance Financial, Inc. | $185,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $355,000 | $185,000 | -47.9% | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | $175,000 | n/a | 0.0% | |
| Gulf Coast Bank and Trust Company | $175,000 | n/a | 0.0% | |
| Mazuma Credit Union | $350,000 | $175,000 | -50.0% | 0.0% |
| SCOTT CREDIT UNION | $175,000 | n/a | 0.0% | |
| Bank of Idaho | $165,000 | n/a | 0.0% | |
| First Liberty Bank | $165,000 | n/a | 0.0% | |
| Fortress Bank | $165,000 | n/a | 0.0% | |
| NFM, INC. | $145,000 | $155,000 | 6.9% | 0.0% |
| Community Bank | $145,000 | n/a | 0.0% | |
| IOWA BANKERS MORTGAGE CORPORATION | $145,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $3,760,000 | $135,000 | -96.4% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $200,000 | $125,000 | -37.5% | 0.0% |
| Truist | $1,755,000 | $115,000 | -93.4% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $95,000 | $110,000 | 15.8% | 0.0% |
| Axos Bank | $105,000 | n/a | 0.0% | |
| Bank of Springfield | $235,000 | $105,000 | -55.3% | 0.0% |
| Bank of Whittier | $105,000 | n/a | 0.0% | |
| Peoples Bank | $440,000 | $105,000 | -76.1% | 0.0% |
| Stockgrowers State Bank | $105,000 | n/a | 0.0% | |
| UIF CORPORATION | $105,000 | n/a | 0.0% | |
| Regions Bank | $115,000 | $95,000 | -17.4% | 0.0% |
| Northpointe Bank | $1,175,000 | $85,000 | -92.8% | 0.0% |
| Pinnacle Bank | $550,000 | $85,000 | -84.5% | 0.0% |
| Bank of Colorado | $305,000 | $75,000 | -75.4% | 0.0% |
| First American Bank | $75,000 | n/a | 0.0% | |
| FirstBank Southwest | $75,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $55,000 | $75,000 | 36.4% | 0.0% |
| STOCKTON MORTGAGE CORPORATION | $75,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $295,000 | $75,000 | -74.6% | 0.0% |
| JLB CORPORATION | $65,000 | n/a | 0.0% | |
| Southern Bank | $65,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $55,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $50,000 | n/a | 0.0% | |
| Ardent Federal Credit Union | $45,000 | n/a | 0.0% | |
| TOWER | $45,000 | n/a | 0.0% | |
| Centier Bank | $35,000 | $35,000 | 0.0% | 0.0% |
| MidFirst Bank | $630,000 | $35,000 | -94.4% | 0.0% |
| The City National Bank and Trust Company of Lawton | $35,000 | n/a | 0.0% | |
| Azura Credit Union | $25,000 | n/a | 0.0% | |
| STAR USA FEDERAL CREDIT UNION | $25,000 | n/a | 0.0% |
WICHITA's top lender by overall market share is MERITRUST Federal Credit Union, with 5.4% market share. In second place, with 5.0%, is Fidelity Bank, having originated $141,575,000 in loans. In third place, with 4.7%, is BERKELEY POINT CAPITAL LLC, having originated $130,780,000 in loans. In fourth place, with 4.2%, is QUICKEN LOANS, LLC, having originated $119,020,000 in loans. In fifth place, with 4.0%, is Capitol Federal Savings Bank, having originated $112,110,000 in loans.
WICHITA, KS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 7,944 | $1,985,690,000 | $249,961 |
| Refi | 1,756 | $395,490,000 | $225,222 |
| Cash Out Refi | 1,564 | $266,780,000 | $170,575 |
| Home Improvement | 1,175 | $83,065,000 | $70,694 |
| Other | 1,053 | $77,025,000 | $73,148 |
Wichita's most frequently cited loan purpose was Home Purchase, with 7,944 originations. The 2nd most popular reason was Refi, with 1,756 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 5,281 | $1,199,325,000 | $227,102 |
| Over 8% | 2,507 | $225,025,000 | $89,759 |
| 7-8% | 2,389 | $483,915,000 | $202,560 |
| 5-6% | 1,595 | $455,475,000 | $285,564 |
| 4-5% | 143 | $73,895,000 | $516,748 |
| <2.5% | 48 | $2,870,000 | $59,792 |
| 2.5-3% | 46 | $9,220,000 | $200,435 |
| 3-4% | 32 | $73,570,000 | $2,299,063 |
During 2024, Wichita's most frequently originated rate bucket was 6-7%, with 5,281 originations.
Loan Sizing (WICHITA, KS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 4,283 | $636,465,000 | $148,603 |
| $100,000 or less | 4,186 | $220,100,000 | $52,580 |
| $200k-400k | 4,118 | $1,118,580,000 | $271,632 |
| $400k-600k | 584 | $275,190,000 | $471,216 |
| $600k-1000k | 223 | $160,305,000 | $718,857 |
| $Over $1MM | 98 | $397,410,000 | $4,055,204 |
WICHITA's loan sizing saw the bucket of loans from $100k-200k with 4,283 originations, totaling $636,465,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 5,250 | $1,245,140,000 | $237,170 |
| 60-80% | 2,381 | $719,445,000 | $302,161 |
| Under 20% | 1,462 | $71,080,000 | $48,618 |
| 20-40% | 1,449 | $132,745,000 | $91,611 |
| 40-60% | 934 | $216,170,000 | $231,445 |
| Over 100% | 246 | $85,450,000 | $347,358 |
WICHITA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 5,250 originations, totaling $1,245,140,000 in origination value.