Winfield Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Winfield averaged 6.11% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 5.97% and one month ago for the week of 2024-08-29, the average rate was 6.44%.

Winfield's average rate one year ago was 7.1%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.22%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Winfield 30 Year Fixed Rate 2024-10-03 6.11%
Winfield 30 Year Fixed Rate Refi 2024-10-03 6.22%
Winfield 15 Year Fixed Rate 2024-10-03 5.25%
Winfield 15 Year Fixed Rate Refi 2024-10-03 5.85%
Winfield 30 Year FHA 2024-10-03 5.99%
Winfield 30 Year FHA Refi 2024-10-03 5.79%
Winfield 30 Year USDA 2024-10-03 6.07%
Winfield 30 Year USDA Refi 2024-10-03 5.87%
Winfield 30 Year VA 2024-10-03 5.4%
Winfield 30 Year VA Refi 2024-10-03 5.6%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Community National Bank & Trust 13 7.33% $2,039
RCB Bank 11 6.52% $3,347
PENTAGON FEDERAL CREDIT UNION 9 6.92% $3,226
ACADEMY MORTGAGE CORPORATION 6 6.67% $4,250
QUICKEN LOANS, LLC 6 6.89% $6,713
Sierra Pacific Mortgage Company, Inc. 6 6.75% $4,682
OPEN MORTGAGE, LLC 5 7.05% $4,253
FLAT BRANCH MORTGAGE, INC. 4 6.44% $4,108
Wells Fargo Bank 4 7.19% $4,593
Gateway First Bank 4 6.53% $2,310
HEARTLAND CREDIT UNION 3 6.83% $2,421
CREDIT UNION OF AMERICA 3 6.92% $3,958
HOME BANK AND TRUST COMPANY 3 6.67% $2,453
JPMorgan Chase Bank 3 7.25% $1,746
PANHANDLE FEDERAL CREDIT UNION 3 5.66% $1,064
Plains Commerce Bank 2 6.69% $5,957
UNITED WHOLESALE MORTGAGE, LLC 2 7.81% $4,694
MERITRUST Federal Credit Union 2 6.56% $2,492
MID AMERICAN 2 6.56% $2,571
Neighborhood Loans, Inc. 2 6.44% $3,490
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 7.56% $3,344
NAVY FEDERAL CREDIT UNION 2 5.25% $5,284
Fidelity Bank 2 6.56% $3,026
ROYAL UNITED MORTGAGE LLC 2 7.00% $5,638
ZILLOW HOME LOANS, LLC 1 7.63% $3,887
Axos Bank 1 5.75% $2,025
BMO Harris Bank 1 7.75% $3,360
CALIBER HOME LOANS, INC. 1 7.13% $4,435
Commerce Bank 1 6.00% $2,604
CROSSCOUNTRY MORTGAGE, LLC 1 7.50% $5,226
Equity Bank 1 7.50% $1,775
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.38% $3,396
First State Bank of St. Charles, Missouri 1 5.75% $2,508
Flagstar Bank, FSB 1 7.13% $2,425
LOANDEPOT.COM, LLC 1 6.63% $3,466
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.50% $4,147
NBH Bank 1 7.13% $2,788
Simmons Bank 1 6.50% $2,416
SUN WEST MORTGAGE COMPANY, INC. 1 6.00% $4,821
The Huntington National Bank 1 6.75% $4,742
The Loan Store, Inc. 1 7.25% $5,392
THRIVE MORTGAGE, LLC 1 6.13% $3,991
USAA Federal Savings Bank 1 6.25% $2,654
US MORTGAGE CORPORATION 1 6.63% $2,757
21ST MORTGAGE CORPORATION 1 8.40% $5,929

Winfield Average Closing Costs & Other Stats

Winfield, KS's 45 lenders originated 478 loans during 2023. The total origination value was $59,140,000, with an average loan value of $123,724.

Winfield's average closing costs are $4,061.

The top Winfield lender as defined by loan originations is Community National Bank & Trust, with 13 loans originated. Their average total fees are $2,039, which is $1,308 lower than the next largest lender, RCB Bank.

The lowest fee Winfield lenders (with over 10 loans originated) are Community National Bank & Trust ($2,039), RCB Bank ($3,347), .

The lowest rate Winfield lenders (with over 10 loans originated) are RCB Bank (6.52%), Community National Bank & Trust (7.33%), .

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Community National Bank & Trust $15,205,000 $7,855,000 -48.3% 13.3%
RCB Bank $6,855,000 $4,900,000 -28.5% 8.3%
The Union State Bank $7,220,000 $4,810,000 -33.4% 8.1%
QUICKEN LOANS, LLC $3,765,000 $3,540,000 -6.0% 6.0%
PENTAGON FEDERAL CREDIT UNION $3,415,000 $3,105,000 -9.1% 5.3%
Sierra Pacific Mortgage Company, Inc. $1,775,000 $2,270,000 27.9% 3.8%
ACADEMY MORTGAGE CORPORATION $2,245,000 n/a 3.8%
Mortgage Research Center, LLC $2,445,000 $2,225,000 -9.0% 3.8%
CREDIT UNION OF AMERICA $1,540,000 n/a 2.6%
OPEN MORTGAGE, LLC $2,040,000 $1,485,000 -27.2% 2.5%
FLAT BRANCH MORTGAGE, INC. $870,000 $1,280,000 47.1% 2.2%
The Stock Exchange Bank $1,460,000 $860,000 -41.1% 1.5%
Citizens Bank of Kansas $1,320,000 $835,000 -36.7% 1.4%
JPMorgan Chase Bank $540,000 $830,000 53.7% 1.4%
Fidelity Bank $845,000 $795,000 -5.9% 1.3%
21ST MORTGAGE CORPORATION $775,000 n/a 1.3%
HOME BANK AND TRUST COMPANY $435,000 $770,000 77.0% 1.3%
PANHANDLE FEDERAL CREDIT UNION $200,000 $755,000 277.5% 1.3%
LOANDEPOT.COM, LLC $735,000 $725,000 -1.4% 1.2%
Wells Fargo Bank $1,085,000 $725,000 -33.2% 1.2%
Flagstar Bank, FSB $495,000 $705,000 42.4% 1.2%
U.S. Bank $395,000 $635,000 60.8% 1.1%
Gateway First Bank $765,000 $630,000 -17.6% 1.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $545,000 n/a 0.9%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,315,000 $540,000 -58.9% 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,220,000 $535,000 -56.1% 0.9%
Plains Commerce Bank $535,000 n/a 0.9%
MID AMERICAN $860,000 $515,000 -40.1% 0.9%
BMO Harris Bank $505,000 n/a 0.9%
Carson Bank $505,000 n/a 0.9%
SUN WEST MORTGAGE COMPANY, INC. $175,000 $500,000 185.7% 0.8%
MERITRUST Federal Credit Union $810,000 $485,000 -40.1% 0.8%
UNITED WHOLESALE MORTGAGE, LLC $1,720,000 $450,000 -73.8% 0.8%
NEW DAY FINANCIAL, LLC $525,000 $445,000 -15.2% 0.8%
NAVY FEDERAL CREDIT UNION $200,000 $425,000 112.5% 0.7%
The Huntington National Bank $425,000 n/a 0.7%
ROYAL UNITED MORTGAGE LLC $145,000 $380,000 162.1% 0.6%
TRIAD FINANCIAL SERVICES, INC. $285,000 $365,000 28.1% 0.6%
US MORTGAGE CORPORATION $350,000 n/a 0.6%
LAKEVIEW LOAN SERVICING, LLC $145,000 $335,000 131.0% 0.6%
AMERICAN FINANCIAL RESOURCES, INC. $295,000 n/a 0.5%
AMERISAVE MORTGAGE CORPORATION $740,000 $290,000 -60.8% 0.5%
Capitol Federal Savings Bank $395,000 $285,000 -27.8% 0.5%
Commerce Bank $445,000 $285,000 -36.0% 0.5%
Neighborhood Loans, Inc. $190,000 $285,000 50.0% 0.5%
United Fidelity Funding Corp. $1,070,000 $280,000 -73.8% 0.5%
Mutual Savings Association $265,000 n/a 0.4%
Ixonia Bank $255,000 n/a 0.4%
PLANET HOME LENDING, LLC $245,000 n/a 0.4%
NBH Bank $230,000 n/a 0.4%
HEARTLAND CREDIT UNION $225,000 $215,000 -4.4% 0.4%
THRIVE MORTGAGE, LLC $185,000 n/a 0.3%
NEWREZ LLC $385,000 $170,000 -55.8% 0.3%
Axos Bank $165,000 n/a 0.3%
PACIFIC RESIDENTIAL MORTGAGE, LLC $165,000 n/a 0.3%
Simmons Bank $45,000 $165,000 266.7% 0.3%
VILLAGE CAPITAL MORTGAGE $195,000 $155,000 -20.5% 0.3%
CARDINAL FINANCIAL $85,000 $145,000 70.6% 0.2%
Emprise Bank $80,000 $145,000 81.3% 0.2%
UNION HOME MORTGAGE CORP. $145,000 n/a 0.2%
USAA Federal Savings Bank $380,000 $145,000 -61.8% 0.2%
Bank of America $350,000 $140,000 -60.0% 0.2%
AMERICAN FINANCING CORPORATION $275,000 $135,000 -50.9% 0.2%
Carrington Mortgage Services, LLC $105,000 $135,000 28.6% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $125,000 $135,000 8.0% 0.2%
Deere Employees Credit Union $240,000 $125,000 -47.9% 0.2%
The Loan Store, Inc. $125,000 n/a 0.2%
CALIBER HOME LOANS, INC. $220,000 $105,000 -52.3% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $105,000 n/a 0.2%
Farmers Bank & Trust $105,000 n/a 0.2%
GUARANTEED RATE, INC. $205,000 $105,000 -48.8% 0.2%
Equity Bank $210,000 $95,000 -54.8% 0.2%
Truity Federal Credit Union $95,000 n/a 0.2%
VALLEY STATE BANK $505,000 $95,000 -81.2% 0.2%
ZILLOW HOME LOANS, LLC $95,000 n/a 0.2%
Equity Prime Mortgage LLC $135,000 $85,000 -37.0% 0.1%
First Savings Bank $155,000 $85,000 -45.2% 0.1%
First State Bank of St. Charles, Missouri $85,000 n/a 0.1%
Sunflower Bank $150,000 $85,000 -43.3% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $75,000 n/a 0.1%
BROKER SOLUTIONS, INC. $430,000 $65,000 -84.9% 0.1%
Figure Lending LLC $60,000 n/a 0.1%
Citizens State Bank of Cheney $55,000 n/a 0.1%
GOLDEN PLAINS $215,000 $55,000 -74.4% 0.1%
PLAZA HOME MORTGAGE, INC. $1,160,000 $55,000 -95.3% 0.1%
Garden Plain State Bank $175,000 $35,000 -80.0% 0.1%
THRIVENT Federal Credit Union $15,000 n/a 0.0%

Winfield's top lender by overall market share is Community National Bank & Trust, with 13.3% market share. In second place, with 8.3%, is RCB Bank, having originated $4,900,000 in loans. In third place, with 8.1%, is The Union State Bank, having originated $4,810,000 in loans. In fourth place, with 6.0%, is QUICKEN LOANS, LLC, having originated $3,540,000 in loans. In fifth place, with 5.3%, is PENTAGON FEDERAL CREDIT UNION, having originated $3,105,000 in loans.

Winfield, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 309 $44,785,000 $144,935
Cash Out Refi 67 $7,325,000 $109,328
Refi 46 $4,230,000 $91,957
Home Improvement 36 $2,130,000 $59,167
Other 20 $670,000 $33,500

Winfield's most frequently cited loan purpose was Home Purchase, with 309 originations. The 2nd most popular reason was Cash Out Refi, with 67 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 161 $23,165,000 $143,882
7-8% 104 $13,470,000 $129,519
Over 8% 75 $5,405,000 $72,067
5-6% 60 $8,730,000 $145,500
4-5% 3 $575,000 $191,667
3-4% 2 $180,000 $90,000
2.5-3% 1 $15,000 $15,000

During 2023, Winfield's most frequently originated rate bucket was 6-7%, with 161 originations.

Loan Sizing (Winfield, KS MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 222 $12,260,000 $55,225
$100k-200k 187 $26,505,000 $141,738
$200k-400k 62 $16,680,000 $269,032
$400k-600k 5 $2,325,000 $465,000
$600k-1000k 2 $1,370,000 $685,000

Winfield's loan sizing saw the bucket of loans from $100,000 or less with 222 originations, totaling $12,260,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 205 $31,895,000 $155,585
60-80% 81 $11,375,000 $140,432
20-40% 45 $2,945,000 $65,444
40-60% 40 $3,430,000 $85,750
Under 20% 30 $890,000 $29,667
Over 100% 4 $960,000 $240,000

Winfield's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 205 originations, totaling $31,895,000 in origination value.