Winfield Mortgage Rates
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% |
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.).
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.
