Winfield 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 Winfield averaged 6.94% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

    The average rate for the prior week (2023-03-16) was 6.82% and one month ago for the week of 2023-02-16, the average rate was 6.54%.

    Winfield's average rate one year ago was 4.49%.

    For refis of the same type during the week of 2023-03-23, the average rate was 6.53%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-23 6.42%
    Winfield 30 Year Fixed Rate 2023-03-23 6.94%
    Winfield 30 Year Fixed Rate Refi 2023-03-23 6.53%
    Winfield 15 Year Fixed Rate 2023-03-23 6.93%
    Winfield 15 Year Fixed Rate Refi 2023-03-23 5.88%
    Winfield 30 Year FHA 2023-03-23 6.42%
    Winfield 30 Year FHA Refi 2023-03-23 6.51%
    Winfield 30 Year USDA 2023-03-23 6.14%
    Winfield 30 Year USDA Refi 2023-03-23 2.59%
    Winfield 30 Year VA 2023-03-23 5.96%
    Winfield 30 Year VA Refi 2023-03-23 5.93%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Winfield, KS.

    Winfield 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 Winfield, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Community National Bank & Trust 32 5.23% $2,674
    RCB Bank 26 5.61% $3,203
    PENTAGON FEDERAL CREDIT UNION 16 4.52% $2,287
    QUICKEN LOANS, LLC 14 5.16% $5,459
    Sierra Pacific Mortgage Company, Inc. 7 5.91% $4,207
    DELMAR FINANCIAL COMPANY 7 5.41% $5,861
    Wells Fargo Bank 6 6.17% $3,862
    GUILD MORTGAGE COMPANY 5 6.42% $4,595
    Bank of the West 4 5.25% $4,724
    LEADERONE FINANCIAL CORPORATION 4 5.06% $4,302
    UNITED WHOLESALE MORTGAGE, LLC 4 4.97% $5,734
    JPMorgan Chase Bank 3 6.08% $3,350
    HEARTLAND CREDIT UNION 3 5.38% $2,178
    GUARANTEED RATE, INC. 3 5.04% $3,222
    Fidelity Bank 3 4.79% $2,736
    FLAT BRANCH MORTGAGE, INC. 3 6.87% $3,566
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 4.49% $10,910
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 5.94% $5,837
    Mr. Cooper ( Nationstar Mortgage ) 2 5.81% $4,853
    Neighborhood Loans, Inc. 2 6.69% $4,906
    PLAZA HOME MORTGAGE, INC. 2 6.00% $5,080
    Regent Financial Group, Inc. 2 5.44% $4,563
    Flagstar Bank, FSB 2 5.47% $3,141
    MERITRUST Federal Credit Union 2 4.13% $2,572
    United Fidelity Funding Corp. 2 5.81% $5,358
    Commerce Bank 2 5.50% $2,859
    SUN WEST MORTGAGE COMPANY, INC. 1 3.75% $6,966
    Truist 1 5.60% $3,314
    West Gate Bank 1 3.00% $2,764
    COMMUNITYAMERICA 1 7.50% $3,052
    Equity Bank 1 4.99% $2,820
    FBC MORTGAGE, LLC 1 6.50% $1,570
    Financial Funding Solutions, Inc. 1 3.00% $2,055
    First Savings Bank 1 6.00% $4,352
    FREEDOM MORTGAGE CORPORATION 1 6.88% $4,627
    Gateway First Bank 1 4.00% $9,106
    HOME BANK AND TRUST COMPANY 1 4.88% $2,250
    HOME POINT FINANCIAL CORPORATION 1 5.38% $5,878
    INLAND BANK & TRUST 1 4.50% $2,064
    Intrust Bank 1 4.63% $1,798
    Landmark National Bank 1 5.50% $1,936
    MID AMERICA MORTGAGE, INC. 1 5.50% $3,713
    MID AMERICAN 1 4.00% $2,075
    Mortgage Research Center, LLC 1 3.99% $3,087
    M&T Bank 1 5.13% $7,594
    NAVY FEDERAL CREDIT UNION 1 5.63% $2,295
    NEWREZ LLC 1 5.38% $7,610
    Northwest Farm Credit Services, FLCA 1 6.35% $6,660
    OPEN MORTGAGE, LLC 1 5.38% $3,634
    PNC Bank 1 5.38% $2,816
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 4.88% $3,670
    Prosperity Home Mortgage, LLC 1 5.50% $2,666
    SKYWARD 1 6.38% $0
    Sunflower Bank 1 6.88% $2,409

    Winfield Average Closing Costs & Other Stats

    Winfield, KS's 54 lenders originated 654 loans during 2022. The total origination value was $83,110,000, with an average loan value of $127,080.

    Winfield's average closing costs are $3,940.

    The top Winfield lender as defined by loan originations is Community National Bank & Trust, with 32 loans originated. Their average total fees are $2,674, which is $529 lower than the next largest lender, RCB Bank.

    The lowest fee Winfield lenders (with over 10 loans originated) are PENTAGON FEDERAL CREDIT UNION ($2,287), Community National Bank & Trust ($2,674), RCB Bank ($3,203), QUICKEN LOANS, LLC ($5,459) and .

    The lowest rate Winfield lenders (with over 10 loans originated) are PENTAGON FEDERAL CREDIT UNION (4.52%), QUICKEN LOANS, LLC (5.16%), Community National Bank & Trust (5.23%), RCB Bank (5.61%) and .

    Winfield, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    Community National Bank & Trust $11,710,000 $15,205,000 29.8% 18.3%
    The Union State Bank $11,880,000 $7,220,000 -39.2% 8.7%
    RCB Bank $8,690,000 $6,855,000 -21.1% 8.2%
    QUICKEN LOANS, LLC $9,275,000 $3,765,000 -59.4% 4.5%
    PENTAGON FEDERAL CREDIT UNION $3,365,000 $3,415,000 1.5% 4.1%
    Mortgage Research Center, LLC $1,255,000 $2,445,000 94.8% 2.9%
    OPEN MORTGAGE, LLC $1,225,000 $2,040,000 66.5% 2.5%
    Sierra Pacific Mortgage Company, Inc. $2,130,000 $1,775,000 -16.7% 2.1%
    DELMAR FINANCIAL COMPANY $1,120,000 $1,740,000 55.4% 2.1%
    UNITED WHOLESALE MORTGAGE, LLC $1,110,000 $1,720,000 55.0% 2.1%
    The Stock Exchange Bank $1,460,000 n/a 1.8%
    Arbor Realty Trust, Inc. $1,325,000 n/a 1.6%
    Citizens Bank of Kansas $2,720,000 $1,320,000 -51.5% 1.6%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $215,000 $1,315,000 511.6% 1.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,120,000 $1,220,000 8.9% 1.5%
    LEADERONE FINANCIAL CORPORATION $2,655,000 $1,180,000 -55.6% 1.4%
    PLAZA HOME MORTGAGE, INC. $2,040,000 $1,160,000 -43.1% 1.4%
    Wells Fargo Bank $1,580,000 $1,085,000 -31.3% 1.3%
    United Fidelity Funding Corp. $2,815,000 $1,070,000 -62.0% 1.3%
    Bank of the West $825,000 $890,000 7.9% 1.1%
    FLAT BRANCH MORTGAGE, INC. $2,095,000 $870,000 -58.5% 1.0%
    MID AMERICAN $535,000 $860,000 60.7% 1.0%
    Fidelity Bank $2,505,000 $845,000 -66.3% 1.0%
    FREEDOM MORTGAGE CORPORATION $2,095,000 $830,000 -60.4% 1.0%
    MERITRUST Federal Credit Union $1,830,000 $810,000 -55.7% 1.0%
    Gateway First Bank $1,095,000 $765,000 -30.1% 0.9%
    Regent Financial Group, Inc. $795,000 $765,000 -3.8% 0.9%
    AMERISAVE MORTGAGE CORPORATION $1,945,000 $740,000 -62.0% 0.9%
    LOANDEPOT.COM, LLC $1,785,000 $735,000 -58.8% 0.9%
    GUILD MORTGAGE COMPANY $680,000 n/a 0.8%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $505,000 $565,000 11.9% 0.7%
    JPMorgan Chase Bank $645,000 $540,000 -16.3% 0.6%
    NEW DAY FINANCIAL, LLC $645,000 $525,000 -18.6% 0.6%
    VALLEY STATE BANK $260,000 $505,000 94.2% 0.6%
    Flagstar Bank, FSB $560,000 $495,000 -11.6% 0.6%
    HOME POINT FINANCIAL CORPORATION $890,000 $450,000 -49.4% 0.5%
    Commerce Bank $445,000 n/a 0.5%
    HOME BANK AND TRUST COMPANY $1,135,000 $435,000 -61.7% 0.5%
    BROKER SOLUTIONS, INC. $545,000 $430,000 -21.1% 0.5%
    Capitol Federal Savings Bank $335,000 $395,000 17.9% 0.5%
    U.S. Bank $470,000 $395,000 -16.0% 0.5%
    NEWREZ LLC $400,000 $385,000 -3.8% 0.5%
    USAA Federal Savings Bank $795,000 $380,000 -52.2% 0.5%
    Bank of America $1,065,000 $350,000 -67.1% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $965,000 $335,000 -65.3% 0.4%
    The Federal Savings Bank $75,000 $305,000 306.7% 0.4%
    M&T Bank $295,000 n/a 0.4%
    Northwest Farm Credit Services, FLCA $295,000 n/a 0.4%
    Discover Bank $55,000 $285,000 418.2% 0.3%
    TRIAD FINANCIAL SERVICES, INC. $215,000 $285,000 32.6% 0.3%
    AMERICAN FINANCING CORPORATION $205,000 $275,000 34.1% 0.3%
    Community First National Bank $205,000 $275,000 34.1% 0.3%
    Intrust Bank $295,000 $275,000 -6.8% 0.3%
    SOFI LENDING CORP. $255,000 n/a 0.3%
    Low VA Rates, LLC $245,000 n/a 0.3%
    Deere Employees Credit Union $240,000 n/a 0.3%
    First Internet Bank of Indiana $235,000 n/a 0.3%
    KS StateBank $300,000 $235,000 -21.7% 0.3%
    HEARTLAND CREDIT UNION $420,000 $225,000 -46.4% 0.3%
    LOANPAL, LLC $225,000 n/a 0.3%
    Truist $225,000 n/a 0.3%
    CALIBER HOME LOANS, INC. $735,000 $220,000 -70.1% 0.3%
    GOLDEN PLAINS $260,000 $215,000 -17.3% 0.3%
    Equity Bank $210,000 n/a 0.3%
    Financial Funding Solutions, Inc. $235,000 $210,000 -10.6% 0.3%
    GUARANTEED RATE, INC. $205,000 n/a 0.2%
    NAVY FEDERAL CREDIT UNION $200,000 n/a 0.2%
    PANHANDLE FEDERAL CREDIT UNION $260,000 $200,000 -23.1% 0.2%
    Landmark National Bank $45,000 $195,000 333.3% 0.2%
    VILLAGE CAPITAL MORTGAGE $195,000 n/a 0.2%
    Neighborhood Loans, Inc. $190,000 n/a 0.2%
    Mid-Continent Funding, Inc. $185,000 n/a 0.2%
    INLAND BANK & TRUST $155,000 $180,000 16.1% 0.2%
    Garden Plain State Bank $150,000 $175,000 16.7% 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $240,000 $175,000 -27.1% 0.2%
    CMG MORTGAGE, INC. $165,000 n/a 0.2%
    Stride Bank $165,000 n/a 0.2%
    PNC Bank $170,000 $160,000 -5.9% 0.2%
    Barrington Bank & Trust Company, N.A. $85,000 $155,000 82.4% 0.2%
    First Savings Bank $155,000 n/a 0.2%
    Sunflower Bank $115,000 $150,000 30.4% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $270,000 $145,000 -46.3% 0.2%
    ROYAL UNITED MORTGAGE LLC $85,000 $145,000 70.6% 0.2%
    West Gate Bank $155,000 $145,000 -6.5% 0.2%
    The Halstead Bank $75,000 $140,000 86.7% 0.2%
    Equity Prime Mortgage LLC $135,000 n/a 0.2%
    Members Mortgage Services, L.L.C. $135,000 n/a 0.2%
    Nations Lending Corporation $230,000 $125,000 -45.7% 0.2%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $615,000 $125,000 -79.7% 0.2%
    PENNYMAC LOAN SERVICES, LLC $1,535,000 $115,000 -92.5% 0.1%
    Carrington Mortgage Services, LLC $210,000 $105,000 -50.0% 0.1%
    CrossFirst Bank $105,000 n/a 0.1%
    COMMUNITYAMERICA $95,000 n/a 0.1%
    COMMUNITY MORTGAGE, LLC $95,000 n/a 0.1%
    FINANCE OF AMERICA MORTGAGE LLC $95,000 n/a 0.1%
    SKYWARD $170,000 $90,000 -47.1% 0.1%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $85,000 n/a 0.1%
    DAS Acquisition Company, LLC $85,000 n/a 0.1%
    MID AMERICA MORTGAGE, INC. $85,000 n/a 0.1%
    Prosperity Home Mortgage, LLC $85,000 n/a 0.1%
    Emprise Bank $5,000 $80,000 1,500.0% 0.1%
    Bank of England $280,000 $75,000 -73.2% 0.1%
    FBC MORTGAGE, LLC $65,000 n/a 0.1%
    PEOPLES STATE BANK $45,000 n/a 0.1%
    Simmons Bank $45,000 n/a 0.1%
    COMMUNICATION $35,000 n/a 0.0%
    WHITE EAGLE Credit Union $190,000 $15,000 -92.1% 0.0%

    Winfield's top lender by overall market share is Community National Bank & Trust, with 18.3% market share. In second place, with 8.7%, is The Union State Bank, having originated $7,220,000 in loans. In third place, with 8.2%, is RCB Bank, having originated $6,855,000 in loans. In fourth place, with 4.5%, is QUICKEN LOANS, LLC, having originated $3,765,000 in loans. In fifth place, with 4.1%, is PENTAGON FEDERAL CREDIT UNION, having originated $3,415,000 in loans.

    Winfield, KS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 385 $53,325,000 $138,506
    Cash Out Refi 103 $14,875,000 $144,417
    Refi 95 $11,365,000 $119,632
    Home Improvement 51 $2,525,000 $49,510
    Other 20 $1,020,000 $51,000

    Winfield's most frequently cited loan purpose was Home Purchase, with 385 originations. The 2nd most popular reason was Cash Out Refi, with 103 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 165 $19,315,000 $117,061
    4-5% 139 $18,915,000 $136,079
    6-7% 110 $12,620,000 $114,727
    3-4% 77 $11,945,000 $155,130
    7-8% 32 $3,200,000 $100,000
    2.5-3% 20 $3,960,000 $198,000
    <2.5% 12 $1,880,000 $156,667
    Over 8% 8 $290,000 $36,250

    During 2022, Winfield's most frequently originated rate bucket was 5-6%, with 165 originations.

    Loan Sizing (Winfield, KS MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 323 $17,855,000 $55,279
    $100k-200k 224 $31,700,000 $141,518
    $200k-400k 91 $24,235,000 $266,319
    $400k-600k 12 $5,420,000 $451,667
    $600k-1000k 3 $2,575,000 $858,333
    $Over $1MM 1 $1,325,000 $1,325,000

    Winfield's loan sizing saw the bucket of loans from $100,000 or less with 323 originations, totaling $17,855,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 255 $36,265,000 $142,216
    60-80% 143 $21,805,000 $152,483
    40-60% 56 $6,370,000 $113,750
    20-40% 52 $2,780,000 $53,462
    Under 20% 49 $3,145,000 $64,184
    Over 100% 6 $1,420,000 $236,667

    Winfield's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 255 originations, totaling $36,265,000 in origination value.