Mortgage lending in Shawnee County
4,060 mortgages were originated in Shawnee County, Kansas, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,060
- Median rate
- 6.750%
- Median lender fees
- $3,234
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $145,000
- Above the going rate (spread over APOR)
- 0.457
- Paid discount points
- 28.2%
- Received lender credits
- 15.8%
- Purchases / refinances
- 53.8% / 27.9%
- Conventional / FHA / VA
- 78.6% / 10.9% / 10.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 64.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $243,000
- That home, 20% down
- $194,400
A median-priced home with 20% down leaves $638,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Shawnee County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Envista Credit Union | 520 | $954 | 6.900% |
| Rocket Mortgage, LLC | 269 | $4,767 | 6.500% |
| Flat Branch Mortgage, Inc. | 245 | $3,269 | 6.625% |
| Fairway Independent Mortgage Corporation | 231 | $3,493 | 6.625% |
| CoreFirst Bank & Trust | 188 | — | 8.000% |
| Capitol Federal Savings Bank | 187 | $2,789 | 6.750% |
| Community National Bank | 169 | — | — |
| United Shore Financial Services, LLC | 124 | $5,332 | 6.434% |
| NBH Bank | 121 | $3,170 | 6.375% |
| Community Bank | 109 | — | — |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Shawnee County — not a rule of thumb.
From 2,628 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers