Winfield Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Winfield averaged
6.87%
for the week of 2025-04-10, compared to the national average of
6.62% for the same period.
The average rate for the prior week (2025-04-03) was
6.49% and
one month ago for the week of 2025-03-06, the
average rate was 6.58%.
Winfield's average rate one year ago was 6.87%.
For refis of the same type during the week of 2025-04-10, the average rate
was 7.02%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-10 | 6.62% |
| Winfield 30 Year Fixed Rate | 2025-04-10 | 6.87% |
| Winfield 30 Year Fixed Rate Refi | 2025-04-10 | 7.02% |
| Winfield 15 Year Fixed Rate | 2025-04-10 | 5.72% |
| Winfield 15 Year Fixed Rate Refi | 2025-04-10 | 6.12% |
| Winfield 30 Year FHA | 2025-04-10 | 6.23% |
| Winfield 30 Year FHA Refi | 2025-04-10 | 6.53% |
| Winfield 30 Year USDA | 2025-04-10 | 6.25% |
| Winfield 30 Year USDA Refi | 2025-04-10 | 6.65% |
| Winfield 30 Year VA | 2025-04-10 | 6.19% |
| Winfield 30 Year VA Refi | 2025-04-10 | 6.29% |
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.).
Winfield Average Closing Costs & Other Stats
Winfield, KS's 47 lenders originated 494
loans during 2024. The total origination value was $68,640,000, with an average loan value of
$138,947.
Winfield's average closing costs are $4,262.
The top Winfield lender as defined by loan originations is Community National Bank & Trust, with
12 loans originated. Their average total fees are
$3,753, which is $2,813
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Winfield lenders (with over 10 loans originated) are
Community National Bank & Trust ($3,753), QUICKEN LOANS, LLC ($6,566), .
The lowest rate Winfield lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.88%), Community National Bank & Trust (7.53%), .
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Community National Bank & Trust | $7,855,000 | $9,950,000 | 26.7% | 14.5% |
| The Union State Bank | $4,810,000 | $5,195,000 | 8.0% | 7.6% |
| RCB Bank | $4,900,000 | $5,125,000 | 4.6% | 7.5% |
| QUICKEN LOANS, LLC | $3,540,000 | $3,590,000 | 1.4% | 5.2% |
| Sierra Pacific Mortgage Company, Inc. | $2,270,000 | $2,525,000 | 11.2% | 3.7% |
| FLAT BRANCH MORTGAGE, INC. | $1,280,000 | $2,370,000 | 85.2% | 3.5% |
| GUILD MORTGAGE COMPANY | $1,905,000 | n/a | 2.8% | |
| Fidelity Bank | $795,000 | $1,595,000 | 100.6% | 2.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $450,000 | $1,565,000 | 247.8% | 2.3% |
| Mortgage Research Center, LLC | $2,225,000 | $1,555,000 | -30.1% | 2.3% |
| Gateway First Bank | $630,000 | $1,445,000 | 129.4% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $535,000 | $1,390,000 | 159.8% | 2.0% |
| HOME BANK AND TRUST COMPANY | $770,000 | $1,165,000 | 51.3% | 1.7% |
| The Stock Exchange Bank | $860,000 | $1,130,000 | 31.4% | 1.6% |
| USAA Federal Savings Bank | $145,000 | $1,080,000 | 644.8% | 1.6% |
| Citizens Bank of Kansas | $835,000 | $995,000 | 19.2% | 1.4% |
| AMERICAN FINANCING CORPORATION | $135,000 | $980,000 | 625.9% | 1.4% |
| PENTAGON FEDERAL CREDIT UNION | $3,105,000 | $935,000 | -69.9% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $885,000 | n/a | 1.3% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $540,000 | $825,000 | 52.8% | 1.2% |
| Flagstar Bank, FSB | $705,000 | $810,000 | 14.9% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $805,000 | n/a | 1.2% | |
| COMMUNITYAMERICA | $800,000 | n/a | 1.2% | |
| PLANET HOME LENDING, LLC | $245,000 | $775,000 | 216.3% | 1.1% |
| MERITRUST Federal Credit Union | $485,000 | $720,000 | 48.5% | 1.0% |
| Farm Credit Mid-America, ACA | $710,000 | n/a | 1.0% | |
| CREDIT UNION OF AMERICA | $1,540,000 | $660,000 | -57.1% | 1.0% |
| American Mortgage & Equity Consultants, Inc. | $625,000 | n/a | 0.9% | |
| Equity Prime Mortgage LLC | $85,000 | $620,000 | 629.4% | 0.9% |
| GENEVA FINANCIAL, LLC | $595,000 | n/a | 0.9% | |
| Members Mortgage Services, L.L.C. | $515,000 | n/a | 0.8% | |
| American Mortgage Bank, LLC | $510,000 | n/a | 0.7% | |
| OPEN MORTGAGE, LLC | $1,485,000 | $470,000 | -68.4% | 0.7% |
| KS StateBank | $420,000 | n/a | 0.6% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $420,000 | n/a | 0.6% | |
| Intrust Bank | $405,000 | n/a | 0.6% | |
| Mr. Cooper ( Nationstar Mortgage ) | $400,000 | n/a | 0.6% | |
| Community First National Bank | $395,000 | n/a | 0.6% | |
| NEWREZ LLC | $170,000 | $395,000 | 132.4% | 0.6% |
| HOMESIDE FINANCIAL, LLC | $360,000 | n/a | 0.5% | |
| LOANDEPOT.COM, LLC | $725,000 | $345,000 | -52.4% | 0.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $135,000 | $315,000 | 133.3% | 0.5% |
| CMG MORTGAGE, INC. | $305,000 | n/a | 0.4% | |
| PNC Bank | $290,000 | n/a | 0.4% | |
| First Federal Bank, A FSB | $285,000 | n/a | 0.4% | |
| Equity Bank | $95,000 | $280,000 | 194.7% | 0.4% |
| CARDINAL FINANCIAL | $145,000 | $275,000 | 89.7% | 0.4% |
| Midwest Mortgage Associates Corporation | $265,000 | n/a | 0.4% | |
| MID AMERICA MORTGAGE, INC. | $260,000 | n/a | 0.4% | |
| MID AMERICAN | $515,000 | $260,000 | -49.5% | 0.4% |
| CITIZENS EQUITY FIRST | $255,000 | n/a | 0.4% | |
| Southwest National Bank | $240,000 | n/a | 0.3% | |
| Bank of Commerce and Trust Company | $235,000 | n/a | 0.3% | |
| U.S. Bank | $635,000 | $220,000 | -65.4% | 0.3% |
| Carrington Mortgage Services, LLC | $135,000 | $215,000 | 59.3% | 0.3% |
| US MORTGAGE CORPORATION | $350,000 | $215,000 | -38.6% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $425,000 | $210,000 | -50.6% | 0.3% |
| Bell Bank | $205,000 | n/a | 0.3% | |
| Emprise Bank | $145,000 | $205,000 | 41.4% | 0.3% |
| ROYAL UNITED MORTGAGE LLC | $380,000 | $195,000 | -48.7% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $75,000 | $190,000 | 153.3% | 0.3% |
| TRIAD FINANCIAL SERVICES, INC. | $365,000 | $185,000 | -49.3% | 0.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $295,000 | $175,000 | -40.7% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $545,000 | $175,000 | -67.9% | 0.3% |
| Barrington Bank & Trust Company, N.A. | $155,000 | n/a | 0.2% | |
| HALLMARK HOME MORTGAGE, LLC | $155,000 | n/a | 0.2% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $155,000 | n/a | 0.2% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $145,000 | n/a | 0.2% | |
| InterBank | $145,000 | n/a | 0.2% | |
| BMO Harris Bank | $505,000 | $125,000 | -75.2% | 0.2% |
| HEARTLAND CREDIT UNION | $215,000 | $125,000 | -41.9% | 0.2% |
| PANHANDLE FEDERAL CREDIT UNION | $755,000 | $125,000 | -83.4% | 0.2% |
| TOP FLITE FINANCIAL, INC. | $125,000 | n/a | 0.2% | |
| Figure Lending LLC | $60,000 | $115,000 | 91.7% | 0.2% |
| Garden Plain State Bank | $35,000 | $115,000 | 228.6% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $115,000 | n/a | 0.2% | |
| NEW DAY FINANCIAL, LLC | $445,000 | $115,000 | -74.2% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $500,000 | $115,000 | -77.0% | 0.2% |
| GOLDEN PLAINS | $55,000 | $110,000 | 100.0% | 0.2% |
| BOKF | $105,000 | n/a | 0.2% | |
| First United Bank and Trust Company | $105,000 | n/a | 0.2% | |
| QUANTUM CREDIT UNION | $95,000 | n/a | 0.1% | |
| Discover Bank | $90,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $290,000 | $85,000 | -70.7% | 0.1% |
| BROKER SOLUTIONS, INC. | $65,000 | $85,000 | 30.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $95,000 | $85,000 | -10.5% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $105,000 | $75,000 | -28.6% | 0.1% |
| KANZA Bank | $75,000 | n/a | 0.1% | |
| Wichita Federal Credit Union | $75,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $775,000 | $65,000 | -91.6% | 0.1% |
| Five Points Bank | $65,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $65,000 | n/a | 0.1% | |
| COMMUNICATION | $60,000 | n/a | 0.1% | |
| Commerce Bank | $285,000 | $55,000 | -80.7% | 0.1% |
| Conway Bank | $55,000 | n/a | 0.1% | |
| MRV Banks | $55,000 | n/a | 0.1% | |
| Simmons Bank | $165,000 | $55,000 | -66.7% | 0.1% |
| The Halstead Bank | $55,000 | n/a | 0.1% | |
| Wells Fargo Bank | $725,000 | $55,000 | -92.4% | 0.1% |
| Coastal Community Bank | $50,000 | n/a | 0.1% |
Winfield's top lender by overall market share is Community National Bank & Trust, with 14.5% market share. In second place, with 7.6%, is The Union State Bank, having originated $5,195,000 in loans. In third place, with 7.5%, is RCB Bank, having originated $5,125,000 in loans. In fourth place, with 5.2%, is QUICKEN LOANS, LLC, having originated $3,590,000 in loans. In fifth place, with 3.7%, is Sierra Pacific Mortgage Company, Inc., having originated $2,525,000 in loans.
Winfield, KS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 297 | $46,595,000 | $156,886 |
| Refi | 67 | $9,495,000 | $141,716 |
| Cash Out Refi | 60 | $8,660,000 | $144,333 |
| Home Improvement | 38 | $2,150,000 | $56,579 |
| Other | 32 | $1,740,000 | $54,375 |
Winfield's most frequently cited loan purpose was Home Purchase, with 297 originations. The 2nd most popular reason was Refi, with 67 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 165 | $25,715,000 | $155,848 |
| Over 8% | 117 | $11,165,000 | $95,427 |
| 7-8% | 70 | $10,600,000 | $151,429 |
| 5-6% | 58 | $11,260,000 | $194,138 |
| 4-5% | 2 | $220,000 | $110,000 |
During 2024, Winfield's most frequently originated rate bucket was 6-7%, with 165 originations.
Loan Sizing (Winfield, KS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 222 | $12,280,000 | $55,315 |
| $100k-200k | 190 | $27,320,000 | $143,789 |
| $200k-400k | 60 | $16,990,000 | $283,167 |
| $400k-600k | 20 | $9,490,000 | $474,500 |
| $600k-1000k | 1 | $735,000 | $735,000 |
| $Over $1MM | 1 | $1,825,000 | $1,825,000 |
Winfield's loan sizing saw the bucket of loans from $100,000 or less with 222 originations, totaling $12,280,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 194 | $33,030,000 | $170,258 |
| 60-80% | 66 | $10,960,000 | $166,061 |
| 20-40% | 56 | $3,500,000 | $62,500 |
| Under 20% | 45 | $1,785,000 | $39,667 |
| 40-60% | 38 | $7,210,000 | $189,737 |
| Over 100% | 10 | $1,950,000 | $195,000 |
Winfield's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 194 originations, totaling $33,030,000 in origination value.