Winfield Mortgage Rates

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

30 Year Fixed Rate mortgages in Winfield averaged 6.35% 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 6.06% and one month ago for the week of 2022-05-26, the average rate was 5.75%.

Winfield's average rate one year ago was 3.54%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.77%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Winfield 30 Year Fixed Rate 2022-06-30 6.35%
Winfield 30 Year Fixed Rate Refi 2022-06-30 5.77%
Winfield 15 Year Fixed Rate 2022-06-30 5.26%
Winfield 15 Year Fixed Rate Refi 2022-06-30 4.97%
Winfield 30 Year FHA 2022-06-30 5.8%
Winfield 30 Year FHA Refi 2022-06-30 5.69%
Winfield 30 Year USDA 2022-06-30 5.6%
Winfield 30 Year USDA Refi 2022-06-30 5.4%
Winfield 30 Year VA 2022-06-30 5.61%
Winfield 30 Year VA Refi 2022-06-30 5.66%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
RCB Bank 35 3.32% $3,025
Community National Bank & Trust 31 3.75% $2,238
QUICKEN LOANS, LLC 22 3.23% $4,581
PENTAGON FEDERAL CREDIT UNION 13 2.91% $2,136
Sierra Pacific Mortgage Company, Inc. 9 3.50% $3,262
MERITRUST Federal Credit Union 8 3.16% $3,098
LEADERONE FINANCIAL CORPORATION 6 3.46% $3,530
Fidelity Bank 5 2.95% $2,822
FLAT BRANCH MORTGAGE, INC. 5 3.25% $3,097
HOME BANK AND TRUST COMPANY 5 2.75% $2,378
DELMAR FINANCIAL COMPANY 4 3.22% $2,696
Gateway First Bank 4 2.97% $2,282
OPEN MORTGAGE, LLC 4 3.06% $5,098
Wells Fargo Bank 4 2.94% $1,881
PLAZA HOME MORTGAGE, INC. 4 3.46% $3,193
Capitol Federal Savings Bank 3 3.17% $1,965
LOANDEPOT.COM, LLC 3 3.25% $4,570
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 3.21% $3,371
United Fidelity Funding Corp. 3 3.25% $5,054
UNITED WHOLESALE MORTGAGE, LLC 3 2.79% $4,318
U.S. Bank 3 3.25% $2,077
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.31% $3,576
Bank of America 2 2.75% $5,196
Flagstar Bank, FSB 2 3.31% $2,470
JPMorgan Chase Bank 2 3.19% $1,717
BETTER MORTGAGE CORPORATION 2 3.13% $4,441
MID AMERICAN 2 3.19% $2,255
Regent Financial Group, Inc. 2 2.93% $3,566
CREDIT UNION OF AMERICA 2 3.13% $1,990
Financial Funding Solutions, Inc. 2 3.38% $2,968
Mortgage Research Center, LLC 1 3.63% $2,386
AMERICAN FINANCIAL NETWORK, INC. 1 3.25% $6,213
AMERISAVE MORTGAGE CORPORATION 1 3.50% $2,961
Bank of England 1 3.50% $3,359
Bell Bank 1 2.99% $3,165
BNC National Bank 1 3.13% $2,835
BROKER SOLUTIONS, INC. 1 3.13% $3,122
Envista Credit Union 1 3.13% $4,186
First Guaranty Mortgage Corporation 1 2.75% $2,500
GOLDEN PLAINS 1 2.63% $1,455
GUARANTEED RATE AFFINITY, LLC 1 2.63% $2,903
HEARTLAND CREDIT UNION 1 3.25% $2,081
HOME POINT FINANCIAL CORPORATION 1 3.50% $7,239
INLAND BANK & TRUST 1 3.38% $2,107
Intrust Bank 1 2.88% $1,980
KS StateBank 1 3.63% $1,701
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.63% $7,141
Mortgage Investment Services Corporation 1 3.63% $4,977
Ally Bank 1 3.25% $2,137
MOVEMENT MORTGAGE, LLC 1 2.88% $4,110
Northpointe Bank 1 2.88% $2,722
PANHANDLE FEDERAL CREDIT UNION 1 2.99% $3,465
PENNYMAC LOAN SERVICES, LLC 1 4.00% $6,269
Plains Commerce Bank 1 3.50% $2,253
The Federal Savings Bank 1 2.88% $2,363
The Huntington National Bank 1 2.75% $1,915
THRIVE MORTGAGE, LLC 1 3.13% $2,566
TruHome Solutions, LLC 1 3.63% $3,247
US MORTGAGE CORPORATION 1 3.63% $2,259

Winfield, KS's 59 lenders originated 807 loans during 2021. The total origination value was $104,715,000, with an average loan value of $129,758.

The top Winfield lender as defined by loan originations is RCB Bank, with 35 loans originated. Their average total fees are $3,025, which is $788 higher than the next largest lender, Community National Bank & Trust.

The lowest fee Winfield lenders (with over 10 loans originated) are PENTAGON FEDERAL CREDIT UNION ($2,136), Community National Bank & Trust ($2,238), RCB Bank ($3,025), QUICKEN LOANS, LLC ($4,581) and .

The lowest rate Winfield lenders (with over 10 loans originated) are PENTAGON FEDERAL CREDIT UNION (2.91%), QUICKEN LOANS, LLC (3.23%), RCB Bank (3.32%), Community National Bank & Trust (3.75%) and .

Winfield, 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
The Union State Bank $9,540,000 $11,880,000 24.5% 11.3%
Community National Bank & Trust $12,485,000 $11,710,000 -6.2% 11.2%
QUICKEN LOANS, LLC $7,025,000 $9,275,000 32.0% 8.9%
RCB Bank $10,705,000 $8,690,000 -18.8% 8.3%
PENTAGON FEDERAL CREDIT UNION $860,000 $3,365,000 291.3% 3.2%
United Fidelity Funding Corp. $3,210,000 $2,815,000 -12.3% 2.7%
Citizens Bank of Kansas $3,325,000 $2,720,000 -18.2% 2.6%
LEADERONE FINANCIAL CORPORATION $3,235,000 $2,655,000 -17.9% 2.5%
Fidelity Bank $1,500,000 $2,505,000 67.0% 2.4%
Sierra Pacific Mortgage Company, Inc. $1,770,000 $2,130,000 20.3% 2.0%
FLAT BRANCH MORTGAGE, INC. $730,000 $2,095,000 187.0% 2.0%
FREEDOM MORTGAGE CORPORATION $1,665,000 $2,095,000 25.8% 2.0%
PLAZA HOME MORTGAGE, INC. $435,000 $2,040,000 369.0% 1.9%
AMERISAVE MORTGAGE CORPORATION $250,000 $1,945,000 678.0% 1.9%
MERITRUST Federal Credit Union $2,870,000 $1,830,000 -36.2% 1.7%
LOANDEPOT.COM, LLC $725,000 $1,785,000 146.2% 1.7%
Wells Fargo Bank $1,705,000 $1,580,000 -7.3% 1.5%
PENNYMAC LOAN SERVICES, LLC $325,000 $1,535,000 372.3% 1.5%
Mortgage Research Center, LLC $715,000 $1,255,000 75.5% 1.2%
OPEN MORTGAGE, LLC $1,755,000 $1,225,000 -30.2% 1.2%
HOME BANK AND TRUST COMPANY $700,000 $1,135,000 62.1% 1.1%
DELMAR FINANCIAL COMPANY $225,000 $1,120,000 397.8% 1.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,005,000 $1,120,000 11.4% 1.1%
UNITED WHOLESALE MORTGAGE, LLC $155,000 $1,110,000 616.1% 1.1%
Gateway First Bank $980,000 $1,095,000 11.7% 1.0%
Bank of America $230,000 $1,065,000 363.0% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $1,035,000 $965,000 -6.8% 0.9%
HOME POINT FINANCIAL CORPORATION $65,000 $890,000 1,269.2% 0.8%
Bank of the West $1,795,000 $825,000 -54.0% 0.8%
Regent Financial Group, Inc. $335,000 $795,000 137.3% 0.8%
USAA Federal Savings Bank $1,000,000 $795,000 -20.5% 0.8%
CREDIT UNION OF AMERICA $820,000 $770,000 -6.1% 0.7%
CALIBER HOME LOANS, INC. $220,000 $735,000 234.1% 0.7%
JPMorgan Chase Bank $415,000 $645,000 55.4% 0.6%
NEW DAY FINANCIAL, LLC $870,000 $645,000 -25.9% 0.6%
PRIMARY RESIDENTIAL MORTGAGE, INC. $480,000 $615,000 28.1% 0.6%
Flagstar Bank, FSB $665,000 $560,000 -15.8% 0.5%
BROKER SOLUTIONS, INC. $545,000 n/a 0.5%
MID AMERICAN $1,040,000 $535,000 -48.6% 0.5%
Mortgage Investment Services Corporation $425,000 $530,000 24.7% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $610,000 $505,000 -17.2% 0.5%
U.S. Bank $1,005,000 $470,000 -53.2% 0.4%
First State Bank of St. Charles, Missouri $215,000 $460,000 114.0% 0.4%
Strong Home Mortgage, LLC $165,000 $435,000 163.6% 0.4%
Bell Bank $430,000 n/a 0.4%
HEARTLAND CREDIT UNION $160,000 $420,000 162.5% 0.4%
NEWREZ LLC $105,000 $400,000 281.0% 0.4%
BETTER MORTGAGE CORPORATION $105,000 $360,000 242.9% 0.3%
Capitol Federal Savings Bank $180,000 $335,000 86.1% 0.3%
BNC National Bank $240,000 $325,000 35.4% 0.3%
KS StateBank $300,000 n/a 0.3%
Intrust Bank $305,000 $295,000 -3.3% 0.3%
Bank of England $280,000 n/a 0.3%
LAKEVIEW LOAN SERVICING, LLC $270,000 n/a 0.3%
GOLDEN PLAINS $55,000 $260,000 372.7% 0.2%
PANHANDLE FEDERAL CREDIT UNION $40,000 $260,000 550.0% 0.2%
VALLEY STATE BANK $230,000 $260,000 13.0% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $300,000 $240,000 -20.0% 0.2%
Financial Funding Solutions, Inc. $350,000 $235,000 -32.9% 0.2%
The Huntington National Bank $165,000 $235,000 42.4% 0.2%
Nations Lending Corporation $230,000 n/a 0.2%
AMERICAN FINANCIAL NETWORK, INC. $220,000 n/a 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $665,000 $215,000 -67.7% 0.2%
MOVEMENT MORTGAGE, LLC $695,000 $215,000 -69.1% 0.2%
TRIAD FINANCIAL SERVICES, INC. $215,000 n/a 0.2%
Carrington Mortgage Services, LLC $355,000 $210,000 -40.8% 0.2%
AMERICAN FINANCING CORPORATION $200,000 $205,000 2.5% 0.2%
Community First National Bank $470,000 $205,000 -56.4% 0.2%
WHITE EAGLE Credit Union $125,000 $190,000 52.0% 0.2%
Envista Credit Union $185,000 n/a 0.2%
Renasant Bank $185,000 n/a 0.2%
US MORTGAGE CORPORATION $470,000 $180,000 -61.7% 0.2%
PNC Bank $170,000 n/a 0.2%
SKYWARD $170,000 n/a 0.2%
Guaranty Bank $165,000 n/a 0.2%
Mutual Savings Association $165,000 n/a 0.2%
Heritage Bank $155,000 n/a 0.1%
INLAND BANK & TRUST $300,000 $155,000 -48.3% 0.1%
West Gate Bank $225,000 $155,000 -31.1% 0.1%
Garden Plain State Bank $150,000 n/a 0.1%
GERSHMAN INVESTMENT CORP. $145,000 n/a 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $230,000 $145,000 -37.0% 0.1%
SENTE MORTGAGE, INC. $125,000 n/a 0.1%
TruHome Solutions, LLC $125,000 n/a 0.1%
EVERETT FINANCIAL, INC. $115,000 n/a 0.1%
Sunflower Bank $475,000 $115,000 -75.8% 0.1%
THRIVE MORTGAGE, LLC $125,000 $115,000 -8.0% 0.1%
CELEBRITY HOME LOANS, LLC $105,000 n/a 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $105,000 n/a 0.1%
MORTGAGE 1 INCORPORATED $105,000 n/a 0.1%
RUOFF MORTGAGE COMPANY, INC. $85,000 $105,000 23.5% 0.1%
THRIVENT Federal Credit Union $105,000 n/a 0.1%
First Home Bank $95,000 n/a 0.1%
Ally Bank $85,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $45,000 $85,000 88.9% 0.1%
BOKF $95,000 $85,000 -10.5% 0.1%
First Guaranty Mortgage Corporation $125,000 $85,000 -32.0% 0.1%
GUARANTEED RATE AFFINITY, LLC $85,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $385,000 $85,000 -77.9% 0.1%
Great Southern Bank $75,000 n/a 0.1%
The Federal Savings Bank $75,000 n/a 0.1%
The Halstead Bank $75,000 n/a 0.1%
21ST MORTGAGE CORPORATION $140,000 $65,000 -53.6% 0.1%
Northpointe Bank $65,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $55,000 n/a 0.1%
Discover Bank $55,000 n/a 0.1%
Landmark National Bank $45,000 n/a 0.0%
Plains Commerce Bank $45,000 n/a 0.0%
Emprise Bank $905,000 $5,000 -99.4% 0.0%

Winfield's top lender by overall market share is The Union State Bank, with 11.3% market share. In second place, with 11.2%, is Community National Bank & Trust, having originated $11,710,000 in loans. In third place, with 8.9%, is QUICKEN LOANS, LLC, having originated $9,275,000 in loans. In third place, with 8.3%, is RCB Bank, having originated $8,690,000 in loans. In third place, with 3.2%, is PENTAGON FEDERAL CREDIT UNION, having originated $3,365,000 in loans.


Winfield, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 460 $59,070,000 $128,413
Refi 203 $26,855,000 $132,291
Cash Out Refi 119 $17,305,000 $145,420
Home Improvement 17 $865,000 $50,882
Other 8 $620,000 $77,500

Winfield's most frequently cited loan purpose was Home Purchase, with 460 originations. The 2nd most popular reason was Refi, with 203 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 255 $37,225,000 $145,980
3-4% 247 $31,105,000 $125,931
<2.5% 81 $13,615,000 $168,086
5-6% 48 $2,970,000 $61,875
4-5% 46 $4,040,000 $87,826
6-7% 3 $265,000 $88,333
Over 8% 1 $55,000 $55,000

During 2021, Winfield's most frequently originated rate bucket was 2.5-3%, with 255 originations.

Loan Sizing (Winfield, KS MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 364 $23,590,000 $64,808
$100k-200k 312 $43,840,000 $140,513
$200k-400k 113 $28,775,000 $254,646
$400k-600k 17 $7,905,000 $465,000
$600k-1000k 1 $605,000 $605,000

Winfield's loan sizing saw the bucket of loans from $100,000 or less with 364 originations, totaling $23,590,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 364 $48,720,000 $133,846
60-80% 202 $28,060,000 $138,911
40-60% 56 $6,930,000 $123,750
20-40% 23 $1,745,000 $75,870
Over 100% 8 $1,270,000 $158,750
Under 20% 8 $160,000 $20,000

Winfield's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 364 originations, totaling $48,720,000 in origination value.