LAWRENCE Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Lawrence averaged 7.04% for the week of 2024-06-06, compared to the national average of 6.99% for the same period.

The average rate for the prior week (2024-05-30) was 6.88% and one month ago for the week of 2024-05-02, the average rate was 7.47%.

Lawrence's average rate one year ago was 6.84%.

For refis of the same type during the week of 2024-06-06, the average rate was 6.99%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-06 6.99%
Lawrence 30 Year Fixed Rate 2024-06-06 7.04%
Lawrence 30 Year Fixed Rate Refi 2024-06-06 6.99%
Lawrence 15 Year Fixed Rate 2024-06-06 6.29%
Lawrence 15 Year Fixed Rate Refi 2024-06-06 6.59%
Lawrence 30 Year FHA 2024-06-06 6.6%
Lawrence 30 Year FHA Refi 2024-06-06 6.89%
Lawrence 30 Year USDA 2024-06-06 6.9%
Lawrence 30 Year USDA Refi 2024-06-06 6.8%
Lawrence 30 Year VA 2024-06-06 6.49%
Lawrence 30 Year VA Refi 2024-06-06 6.39%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within LAWRENCE, KS.

LAWRENCE 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 LAWRENCE, 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
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 117 6.99% $3,009
Mid-America Bank 99 6.94% $2,229
Truity Federal Credit Union 68 6.54% $2,119
NBH Bank 40 6.57% $3,627
QUICKEN LOANS, LLC 39 6.83% $5,711
Capitol Federal Savings Bank 37 6.57% $2,439
Sunflower Bank 26 6.70% $4,475
UNITED WHOLESALE MORTGAGE, LLC 17 6.65% $5,741
MOVEMENT MORTGAGE, LLC 16 6.75% $3,894
COMMUNITYAMERICA 16 6.52% $3,162
Truist 13 6.57% $2,231
PRIMELENDING, A PLAINSCAPITAL COMPANY 12 6.98% $3,086
U.S. Bank 11 6.66% $4,455
Landmark National Bank 11 6.26% $2,741
The Central Trust Bank 11 6.59% $2,663
Commerce Bank 10 6.53% $2,399
Arvest Bank 8 6.72% $3,461
Citizens Bank 8 6.58% $4,697
NBKC BANK 8 6.70% $2,604
MAINSTREET FEDERAL CREDIT UNION 7 6.75% $1,935
Envista Credit Union 7 6.63% $3,665
First State Bank of St. Charles, Missouri 7 6.64% $3,372
UMB Bank 6 6.61% $1,534
Bell Bank 6 7.52% $4,691
Wells Fargo Bank 6 6.06% $2,580
Fidelity Bank 6 7.17% $2,374
MERITRUST Federal Credit Union 6 6.52% $2,432
FLAT BRANCH MORTGAGE, INC. 5 6.67% $2,824
Farm Credit Mid-America, ACA 5 7.18% $9,698
Central National Bank 4 6.97% $1,552
CoreFirst Bank & Trust 4 6.25% $2,124
Prosperity Home Mortgage, LLC 4 7.47% $4,162
Bank of America 4 5.88% $3,972
JPMorgan Chase Bank 4 6.47% $2,947
USAA Federal Savings Bank 4 6.78% $5,144
Neighborhood Loans, Inc. 3 6.92% $9,512
Regions Bank 3 6.25% $2,697
The Huntington National Bank 3 5.97% $8,997
First Bank 3 6.42% $2,866
Mr. Cooper ( Nationstar Mortgage ) 3 6.45% $7,221
CROSSCOUNTRY MORTGAGE, LLC 2 6.94% $4,517
BOKF 2 6.94% $2,678
COMMUNITY MORTGAGE, LLC 2 7.31% $7,229
CREDIT UNION OF AMERICA 2 5.94% $3,810
Enterprise Bank & Trust 2 6.63% $3,115
First Federal Bank 2 7.38% $2,595
Intrust Bank 2 5.88% $2,107
LEADERONE FINANCIAL CORPORATION 2 7.06% $4,540
LOANDEPOT.COM, LLC 2 6.31% $8,785
MORTGAGE ACCESS CORP. 2 7.18% $6,106
Mortgage Investment Services Corporation 2 6.94% $3,006
NAVY FEDERAL CREDIT UNION 2 5.44% $1,510
North American Savings Bank, F.S.B. 2 8.13% $5,014
RCB Bank 2 5.76% $2,565
SIRVA MORTGAGE, INC. 2 6.94% $2,342
The Loan Store, Inc. 2 7.19% $6,825
First Savings Bank 1 6.38% $2,316
KeyBank 1 6.25% $3,761
LAKEVIEW LOAN SERVICING, LLC 1 6.63% $4,763
First National Bank of Omaha 1 6.00% $2,541
AMERISAVE MORTGAGE CORPORATION 1 7.13% $4,781
American Mortgage & Equity Consultants, Inc. 1 7.13% $8,275
First Federal Bank of Kansas City 1 7.00% $2,403
MASON MCDUFFIE MORTGAGE CORPORATION 1 7.99% $4,990
MAYO EMPLOYEES FEDERAL CREDIT UNION 1 6.13% $4,998
Meridian Bank Corporation 1 6.13% $4,925
FIRST COMMUNITY MORTGAGE, INC. 1 8.13% $2,314
EVERETT FINANCIAL, INC. 1 6.99% $10,022
MID AMERICA MORTGAGE, INC. 1 7.88% $11,784
MID AMERICAN 1 6.50% $2,126
AMERICAN INTERNET MORTGAGE, INC. 1 7.25% $2,547
US MORTGAGE CORPORATION 1 6.38% $10,523
ENDEAVOR CAPITAL, LLC. 1 6.50% $5,338
DELMAR FINANCIAL COMPANY 1 8.00% $2,380
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.38% $8,911
VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.50% $4,903
Deere Employees Credit Union 1 5.37% $3,411
Academy Bank 1 8.00% $2,527
Core Bank 1 6.62% $2,546
NFM, INC. 1 6.99% $4,188
V.I.P. MORTGAGE, INC. 1 6.88% $2,894
Oakstar Bank 1 7.25% $1,633
Old National Bank 1 6.25% $2,305
OPEN MORTGAGE, LLC 1 6.62% $3,661
Plains Commerce Bank 1 6.88% $5,784
PLAZA HOME MORTGAGE, INC. 1 5.99% $6,411
Community First National Bank 1 7.75% $2,093
CMG MORTGAGE, INC. 1 6.75% $5,634
PROVIDENT FUNDING ASSOCIATES, L.P. 1 7.13% $3,023
Citadel Servicing Corporation 1 10.75% $8,590
Waterstone Mortgage Corporation 1 6.99% $3,131
Charles Schwab Bank, SSB 1 7.25% $1,839
ROYAL UNITED MORTGAGE LLC 1 6.50% $10,140
SCHLUMBERGER EMPLOYEES CREDIT UNION 1 6.50% $1,277
ACADEMY MORTGAGE CORPORATION 1 5.88% $5,833
Stifel Bank and Trust 1 6.00% $1,862
CARDINAL FINANCIAL 1 5.99% $5,265
SUN WEST MORTGAGE COMPANY, INC. 1 7.63% $6,631
CALIBER HOME LOANS, INC. 1 7.13% $3,482
Beeline Loans, Inc. 1 7.38% $2,878
ZILLOW HOME LOANS, LLC 1 7.63% $3,821
Barrington Bank & Trust Company, N.A. 1 8.63% $4,715
Bankers' Bank 1 6.63% $3,880
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.25% $2,500
UNION HOME MORTGAGE CORP. 1 8.13% $3,241
Flagstar Bank, FSB 1 7.50% $8,508
FREEDOM MORTGAGE CORPORATION 1 6.50% $6,614
FRONTIER COMMUNITY CREDIT UNION 1 5.38% $1,083
GOLDEN PLAINS 1 7.50% $1,680
HALLMARK HOME MORTGAGE, LLC 1 6.50% $5,723
HEARTLAND CREDIT UNION 1 7.25% $1,955
HOMESIDE FINANCIAL, LLC 1 7.50% $7,606
HSBC BANK USA, NATIONAL ASSOCIATION 1 7.12% $2,872
Independence Bank of Kentucky 1 7.25% $8,556
United Fidelity Funding Corp. 1 6.99% $4,904

LAWRENCE Average Closing Costs & Other Stats

LAWRENCE, KS's 115 lenders originated 1,857 loans during 2023. The total origination value was $451,865,000, with an average loan value of $243,331.

LAWRENCE's average closing costs are $3,344.

The top LAWRENCE lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 117 loans originated. Their average total fees are $3,009, which is $780 higher than the next largest lender, Mid-America Bank.

The lowest fee LAWRENCE lenders (with over 10 loans originated) are Truity Federal Credit Union ($2,119), Mid-America Bank ($2,229), Truist ($2,231), Commerce Bank ($2,399) and Capitol Federal Savings Bank ($2,439).

The lowest rate LAWRENCE lenders (with over 10 loans originated) are Landmark National Bank (6.26%), COMMUNITYAMERICA (6.52%), Commerce Bank (6.53%), Truity Federal Credit Union (6.54%) and Truist (6.57%).

LAWRENCE, 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
Mid-America Bank $65,305,000 $49,390,000 -24.4% 10.9%
Truity Federal Credit Union $28,495,000 $46,715,000 63.9% 10.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $65,885,000 $42,665,000 -35.2% 9.4%
NBH Bank $34,120,000 $20,290,000 -40.5% 4.5%
QUICKEN LOANS, LLC $21,595,000 $20,025,000 -7.3% 4.4%
Capitol Federal Savings Bank $48,175,000 $17,750,000 -63.2% 3.9%
Emprise Bank $25,285,000 $15,435,000 -39.0% 3.4%
Arvest Bank $3,455,000 $10,380,000 200.4% 2.3%
Great American Bank $12,340,000 $9,030,000 -26.8% 2.0%
Sunflower Bank $13,200,000 $8,775,000 -33.5% 1.9%
UNITED WHOLESALE MORTGAGE, LLC $5,170,000 $7,745,000 49.8% 1.7%
Envista Credit Union $5,905,000 $6,920,000 17.2% 1.5%
MOVEMENT MORTGAGE, LLC $10,630,000 $6,580,000 -38.1% 1.5%
Citizens 1st Bank $6,160,000 n/a 1.4%
Commerce Bank $5,610,000 $6,135,000 9.4% 1.4%
First State Bank and Trust $8,160,000 $5,995,000 -26.5% 1.3%
COMMUNITYAMERICA $7,655,000 $5,900,000 -22.9% 1.3%
Intrust Bank $1,700,000 $5,650,000 232.4% 1.3%
U.S. Bank $13,070,000 $5,400,000 -58.7% 1.2%
The Central Trust Bank $11,980,000 $5,385,000 -55.1% 1.2%
Silver Lake Bank $11,105,000 $5,145,000 -53.7% 1.1%
Truist $8,365,000 $4,835,000 -42.2% 1.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $12,385,000 $3,955,000 -68.1% 0.9%
Fidelity Bank $2,970,000 $3,785,000 27.4% 0.8%
NORTHMARQ CAPITAL FINANCE, L.L.C. $3,695,000 n/a 0.8%
NBKC BANK $1,020,000 $3,640,000 256.9% 0.8%
Mortgage Research Center, LLC $4,805,000 $3,630,000 -24.5% 0.8%
Landmark National Bank $15,430,000 $3,615,000 -76.6% 0.8%
First State Bank of St. Charles, Missouri $4,105,000 $3,460,000 -15.7% 0.8%
Central National Bank $3,545,000 $3,345,000 -5.6% 0.7%
MAINSTREET FEDERAL CREDIT UNION $3,185,000 $3,245,000 1.9% 0.7%
Wells Fargo Bank $4,455,000 $3,245,000 -27.2% 0.7%
USAA Federal Savings Bank $1,435,000 $3,075,000 114.3% 0.7%
Farm Credit Mid-America, ACA $2,915,000 $2,955,000 1.4% 0.7%
Bell Bank $1,290,000 $2,925,000 126.7% 0.6%
NAVY FEDERAL CREDIT UNION $3,160,000 $2,745,000 -13.1% 0.6%
RCB Bank $12,210,000 $2,690,000 -78.0% 0.6%
FLAT BRANCH MORTGAGE, INC. $2,175,000 $2,440,000 12.2% 0.5%
CoreFirst Bank & Trust $1,970,000 $2,355,000 19.5% 0.5%
Citizens Bank $3,745,000 $2,220,000 -40.7% 0.5%
UMB Bank $4,055,000 $2,165,000 -46.6% 0.5%
MERITRUST Federal Credit Union $6,375,000 $2,120,000 -66.7% 0.5%
Bank of America $5,225,000 $1,960,000 -62.5% 0.4%
The Huntington National Bank $1,000,000 $1,855,000 85.5% 0.4%
TRIAD FINANCIAL SERVICES, INC. $1,520,000 $1,775,000 16.8% 0.4%
Academy Bank $410,000 $1,515,000 269.5% 0.3%
Regions Bank $1,495,000 n/a 0.3%
AMERISAVE MORTGAGE CORPORATION $2,815,000 $1,480,000 -47.4% 0.3%
Prosperity Home Mortgage, LLC $3,410,000 $1,475,000 -56.7% 0.3%
Neighborhood Loans, Inc. $95,000 $1,470,000 1,447.4% 0.3%
FREEDOM MORTGAGE CORPORATION $3,355,000 $1,430,000 -57.4% 0.3%
NEW DAY FINANCIAL, LLC $415,000 $1,350,000 225.3% 0.3%
Community National Bank $2,920,000 $1,310,000 -55.1% 0.3%
First Bank $185,000 $1,165,000 529.7% 0.3%
Waterstone Mortgage Corporation $1,125,000 n/a 0.2%
JPMorgan Chase Bank $2,830,000 $1,040,000 -63.3% 0.2%
Mr. Cooper ( Nationstar Mortgage ) $3,390,000 $990,000 -70.8% 0.2%
OAKTREE FUNDING CORP. $185,000 $975,000 427.0% 0.2%
GNBank $950,000 n/a 0.2%
PLANET HOME LENDING, LLC $945,000 n/a 0.2%
LEADERONE FINANCIAL CORPORATION $2,420,000 $920,000 -62.0% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $925,000 $895,000 -3.2% 0.2%
Plains Commerce Bank $1,350,000 $895,000 -33.7% 0.2%
Country Club Bank $880,000 n/a 0.2%
North American Savings Bank, F.S.B. $2,460,000 $855,000 -65.2% 0.2%
First National Bank of Omaha $420,000 $850,000 102.4% 0.2%
The Kansas State Bank $845,000 n/a 0.2%
COMMUNITY MORTGAGE, LLC $1,560,000 $840,000 -46.2% 0.2%
The Citizens National Bank $815,000 n/a 0.2%
LOANDEPOT.COM, LLC $2,590,000 $805,000 -68.9% 0.2%
Carrington Mortgage Services, LLC $570,000 $775,000 36.0% 0.2%
BROKER SOLUTIONS, INC. $905,000 $750,000 -17.1% 0.2%
Deere Employees Credit Union $165,000 $740,000 348.5% 0.2%
PENNYMAC LOAN SERVICES, LLC $3,665,000 $735,000 -79.9% 0.2%
Figure Lending LLC $195,000 $730,000 274.4% 0.2%
Old National Bank $730,000 n/a 0.2%
MASON MCDUFFIE MORTGAGE CORPORATION $725,000 n/a 0.2%
Community First National Bank $1,260,000 $695,000 -44.8% 0.2%
Flagstar Bank, FSB $4,140,000 $695,000 -83.2% 0.2%
Independence Bank of Kentucky $665,000 n/a 0.1%
NEWREZ LLC $200,000 $665,000 232.5% 0.1%
SIRVA MORTGAGE, INC. $650,000 n/a 0.1%
First Federal Bank of Kansas City $460,000 $625,000 35.9% 0.1%
CMG MORTGAGE, INC. $1,010,000 $610,000 -39.6% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $125,000 $610,000 388.0% 0.1%
THRIVE MORTGAGE, LLC $570,000 $580,000 1.8% 0.1%
Discover Bank $225,000 $575,000 155.6% 0.1%
Oakstar Bank $230,000 $570,000 147.8% 0.1%
MAYO EMPLOYEES FEDERAL CREDIT UNION $555,000 n/a 0.1%
Mortgage Investment Services Corporation $340,000 $550,000 61.8% 0.1%
Community Bank $545,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $315,000 $540,000 71.4% 0.1%
Enterprise Bank & Trust $520,000 n/a 0.1%
MORTGAGE ACCESS CORP. $520,000 n/a 0.1%
The Union State Bank of Everest $660,000 $520,000 -21.2% 0.1%
ENDEAVOR CAPITAL, LLC. $690,000 $510,000 -26.1% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $1,755,000 $500,000 -71.5% 0.1%
Logan Finance Corporation $475,000 n/a 0.1%
Charles Schwab Bank, SSB $465,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $460,000 n/a 0.1%
The First Security Bank $460,000 n/a 0.1%
FIRST COMMUNITY MORTGAGE, INC. $135,000 $450,000 233.3% 0.1%
BOKF $725,000 $425,000 -41.4% 0.1%
First Federal Bank $385,000 $420,000 9.1% 0.1%
The Loan Store, Inc. $410,000 n/a 0.1%
HALLMARK HOME MORTGAGE, LLC $405,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $400,000 n/a 0.1%
DAS Acquisition Company, LLC $385,000 n/a 0.1%
Meridian Bank Corporation $375,000 n/a 0.1%
ACADEMY MORTGAGE CORPORATION $165,000 $365,000 121.2% 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $365,000 n/a 0.1%
US MORTGAGE CORPORATION $115,000 $365,000 217.4% 0.1%
MID AMERICA MORTGAGE, INC. $285,000 $355,000 24.6% 0.1%
American Nation Bank $335,000 n/a 0.1%
Citizens Savings and Loan Association, FSB $335,000 n/a 0.1%
First Interstate Bank $2,970,000 $335,000 -88.7% 0.1%
CREDIT UNION OF AMERICA $295,000 $330,000 11.9% 0.1%
BAY EQUITY LLC $175,000 $325,000 85.7% 0.1%
Core Bank $995,000 $325,000 -67.3% 0.1%
Kaw Valley Bank $1,045,000 $325,000 -68.9% 0.1%
NFM, INC. $325,000 n/a 0.1%
Equity Prime Mortgage LLC $315,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $305,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $570,000 $305,000 -46.5% 0.1%
THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS $300,000 n/a 0.1%
OCMBC, INC. $295,000 n/a 0.1%
SCHLUMBERGER EMPLOYEES CREDIT UNION $295,000 n/a 0.1%
BMO Harris Bank $855,000 $285,000 -66.7% 0.1%
New Century Bank $285,000 n/a 0.1%
The Federal Savings Bank $810,000 $285,000 -64.8% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $275,000 n/a 0.1%
Beeline Loans, Inc. $275,000 n/a 0.1%
Citadel Servicing Corporation $275,000 n/a 0.1%
GOLDEN PLAINS $65,000 $275,000 323.1% 0.1%
Servion, Inc. $1,020,000 $275,000 -73.0% 0.1%
BNC National Bank $600,000 $265,000 -55.8% 0.1%
CALIBER HOME LOANS, INC. $1,130,000 $265,000 -76.5% 0.1%
EVERETT FINANCIAL, INC. $265,000 $265,000 0.0% 0.1%
Cornerstone State Bank $255,000 n/a 0.1%
MID AMERICAN $465,000 $255,000 -45.2% 0.1%
United Fidelity Funding Corp. $355,000 $255,000 -28.2% 0.1%
LOANPAL, LLC $245,000 n/a 0.1%
Stifel Bank and Trust $175,000 $245,000 40.0% 0.1%
The Farmers State Bank of Westmoreland $245,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $2,200,000 $245,000 -88.9% 0.1%
FINANCE OF AMERICA REVERSE LLC $290,000 $240,000 -17.2% 0.1%
FRONTIER COMMUNITY CREDIT UNION $260,000 $240,000 -7.7% 0.1%
American Mortgage & Equity Consultants, Inc. $175,000 $235,000 34.3% 0.1%
ANB Bank $235,000 n/a 0.1%
Bankers' Bank $165,000 $235,000 42.4% 0.1%
BETTER MORTGAGE CORPORATION $440,000 $235,000 -46.6% 0.1%
DELMAR FINANCIAL COMPANY $315,000 $235,000 -25.4% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $225,000 $235,000 4.4% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $345,000 $225,000 -34.8% 0.0%
SUMMIT FUNDING, INC. $955,000 $215,000 -77.5% 0.0%
Coastal Community Bank $205,000 n/a 0.0%
Fifth Third Bank $205,000 n/a 0.0%
First Option Bank $175,000 $205,000 17.1% 0.0%
Nations Lending Corporation $275,000 $205,000 -25.5% 0.0%
Barrington Bank & Trust Company, N.A. $255,000 $185,000 -27.5% 0.0%
CARDINAL FINANCIAL $185,000 n/a 0.0%
LAKEVIEW LOAN SERVICING, LLC $1,450,000 $185,000 -87.2% 0.0%
SPRING EQ, LLC $110,000 $180,000 63.6% 0.0%
DEEPHAVEN MORTGAGE LLC $175,000 n/a 0.0%
KeyBank $175,000 n/a 0.0%
KS StateBank $1,545,000 $175,000 -88.7% 0.0%
Peoples Bank $295,000 $175,000 -40.7% 0.0%
The Bennington State Bank $235,000 $175,000 -25.5% 0.0%
CASTLE & COOKE MORTGAGE, LLC $165,000 n/a 0.0%
First Savings Bank $165,000 n/a 0.0%
V.I.P. MORTGAGE, INC. $165,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $155,000 n/a 0.0%
Community National Bank & Trust $145,000 n/a 0.0%
HEARTLAND CREDIT UNION $985,000 $145,000 -85.3% 0.0%
Mutual Savings Association $1,960,000 $145,000 -92.6% 0.0%
OPEN MORTGAGE, LLC $245,000 $145,000 -40.8% 0.0%
First Federal Savings and Loan Bank $780,000 $135,000 -82.7% 0.0%
AMERICAN HERITAGE LENDING, INC. $125,000 n/a 0.0%
City Bank $125,000 n/a 0.0%
PEOPLES STATE BANK $650,000 $125,000 -80.8% 0.0%
21ST MORTGAGE CORPORATION $120,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $120,000 n/a 0.0%
Carson Bank $115,000 n/a 0.0%
DIGITAL Federal Credit Union $115,000 n/a 0.0%
Commerce Home Mortgage, Inc. $105,000 n/a 0.0%
Cornerstone Bank $105,000 n/a 0.0%
PNC Bank $1,255,000 $105,000 -91.6% 0.0%
Alaska USA Federal Credit Union $95,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $75,000 n/a 0.0%
The Nodaway Valley Bank $75,000 n/a 0.0%
Azura Credit Union $2,060,000 $70,000 -96.6% 0.0%
ZILLOW HOME LOANS, LLC $65,000 n/a 0.0%
Bethpage Federal Credit Union $55,000 n/a 0.0%
PROPONENT Federal Credit Union $55,000 n/a 0.0%
Farmers Bank & Trust $1,630,000 $45,000 -97.2% 0.0%
Centier Bank $45,000 $35,000 -22.2% 0.0%
The Farmers State Bank $35,000 n/a 0.0%
DEPARTMENT OF THE INTERIOR FEDERAL CREDIT UNION $25,000 n/a 0.0%

LAWRENCE's top lender by overall market share is Mid-America Bank, with 10.9% market share. In second place, with 10.3%, is Truity Federal Credit Union, having originated $46,715,000 in loans. In third place, with 9.4%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $42,665,000 in loans. In fourth place, with 4.5%, is NBH Bank, having originated $20,290,000 in loans. In fifth place, with 4.4%, is QUICKEN LOANS, LLC, having originated $20,025,000 in loans.


LAWRENCE Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - LAWRENCE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $289,900 (28.9%) $345,537 (5.6%) 0.00 217
2018-02-01 $304,250 (26.8%) $348,417 (4.1%) 0.00 208
2018-03-01 $299,700 (16.4%) $355,314 (1.8%) 0.00 219
2018-04-01 $306,963 (12.3%) $355,672 (-1.1%) 0.00 235
2018-05-01 $312,875 (5.2%) $364,974 (0.2%) 0.00 258
2018-06-01 $295,900 (1.3%) $350,546 (-0.6%) 0.00 300
2018-07-01 $298,000 (1.3%) $350,665 (-2.2%) 0.00 340
2018-08-01 $278,900 (-1.3%) $337,867 (-3.1%) 0.00 348
2018-09-01 $279,925 (0.2%) $340,954 (1.0%) 0.00 343
2018-10-01 $282,475 (1.2%) $338,556 (1.6%) 0.00 326
2018-11-01 $279,925 (-2.5%) $333,430 (-1.0%) 0.00 324
2018-12-01 $284,450 (0.7%) $337,646 (0.7%) 0.00 287
2019-01-01 $300,000 (3.5%) $339,354 (-1.8%) 0.00 252
2019-02-01 $318,900 (4.8%) $339,542 (-2.6%) 0.00 240
2019-03-01 $313,921 (4.8%) $338,541 (-4.7%) 0.00 268
2019-04-01 $306,946 (0.0%) $339,081 (-4.7%) 0.00 294
2019-05-01 $317,450 (1.5%) $359,018 (-1.6%) 0.00 299
2019-06-01 $314,900 (6.4%) $351,277 (0.2%) 0.00 333
2019-07-01 $299,924 (0.7%) $350,612 (0.0%) 0.00 347
2019-08-01 $299,000 (7.2%) $349,978 (3.6%) 0.00 343
2019-09-01 $299,000 (6.8%) $352,743 (3.5%) 0.00 343
2019-10-01 $299,000 (5.9%) $352,515 (4.1%) 0.00 346
2019-11-01 $299,900 (7.1%) $356,531 (6.9%) 0.00 335
2019-12-01 $307,400 (8.1%) $361,759 (7.1%) 0.00 275
2020-01-01 $312,400 (4.1%) $366,565 (8.0%) 0.00 245
2020-02-01 $317,000 (-0.6%) $375,742 (10.7%) 0.00 246
2020-03-01 $322,450 (2.7%) $377,637 (11.6%) 0.00 257
2020-04-01 $326,975 (6.5%) $374,204 (10.4%) 0.00 259
2020-05-01 $329,900 (3.9%) $378,545 (5.4%) 0.00 249
2020-06-01 $322,900 (2.5%) $392,231 (11.7%) 0.00 212
2020-07-01 $325,175 (8.4%) $401,160 (14.4%) 0.00 185
2020-08-01 $308,000 (3.0%) $382,614 (9.3%) 0.00 175
2020-09-01 $289,925 (-3.0%) $362,219 (2.7%) 0.00 176
2020-10-01 $300,000 (0.3%) $379,948 (7.8%) 0.00 164
2020-11-01 $299,950 (0.0%) $383,591 (7.6%) 0.00 139
2020-12-01 $288,700 (-6.1%) $385,931 (6.7%) 0.00 110
2021-01-01 $299,900 (-4.0%) $382,786 (4.4%) 0.00 89
2021-02-01 $324,000 (2.2%) $402,219 (7.1%) 0.00 74
2021-03-01 $287,000 (-11.0%) $366,935 (-2.8%) 0.00 71
2021-04-01 $301,950 (-7.7%) $372,630 (-0.4%) 0.00 81
2021-05-01 $299,925 (-9.1%) $371,751 (-1.8%) 0.00 85
2021-06-01 $304,975 (-5.6%) $363,954 (-7.2%) 0.00 95
2021-07-01 $306,950 (-5.6%) $366,950 (-8.5%) 0.00 123
2021-08-01 $309,963 (0.6%) $356,178 (-6.9%) 0.00 143
2021-09-01 $329,925 (13.8%) $358,238 (-1.1%) 0.00 128
2021-10-01 $342,450 (14.2%) $372,969 (-1.8%) 0.00 135
2021-11-01 $351,425 (17.2%) $378,878 (-1.2%) 0.00 98
2021-12-01 $371,950 (28.8%) $397,007 (2.9%) 0.00 85
2022-01-01 $385,000 (28.4%) $460,368 (20.3%) 0.00 71
2022-02-01 $402,725 (24.3%) $469,367 (16.7%) 0.00 83
2022-03-01 $392,500 (36.8%) $445,117 (21.3%) 0.00 89
2022-04-01 $369,000 (22.2%) $447,970 (20.2%) 0.00 96
2022-05-01 $371,150 (23.8%) $441,490 (18.8%) 0.00 103
2022-06-01 $368,225 (20.7%) $431,828 (18.7%) 0.00 123
2022-07-01 $369,950 (20.5%) $433,539 (18.2%) 0.00 168
2022-08-01 $351,200 (13.3%) $423,978 (19.0%) 0.00 166
2022-09-01 $347,250 (5.3%) $446,214 (24.6%) 0.00 145
2022-10-01 $345,000 (0.7%) $441,049 (18.3%) 0.00 161
2022-11-01 $347,500 (-1.1%) $437,367 (15.4%) 0.00 145
2022-12-01 $350,000 (-5.9%) $433,599 (9.2%) 0.00 136
2023-01-01 $384,950 (0.0%) $469,412 (2.0%) 0.00 117
2023-02-01 $434,900 (8.0%) $499,840 (6.5%) 0.00 107
2023-03-01 $442,450 (12.7%) $520,053 (16.8%) 0.00 108
2023-04-01 $429,900 (16.5%) $518,398 (15.7%) 0.00 123
2023-05-01 $406,575 (9.5%) $486,391 (10.2%) 0.00 128
2023-06-01 $399,913 (8.6%) $479,633 (11.1%) 0.00 132
2023-07-01 $407,450 (10.1%) $487,183 (12.4%) 0.00 152
2023-08-01 $399,882 (13.9%) $477,400 (12.6%) 0.00 142
2023-09-01 $405,000 (16.6%) $464,863 (4.2%) 0.00 174
2023-10-01 $399,900 (15.9%) $461,403 (4.6%) 0.00 177
2023-11-01 $384,925 (10.8%) $458,921 (4.9%) 0.00 177
2023-12-01 $374,900 (7.1%) $458,257 (5.7%) 0.00 172
2024-01-01 $372,200 (-3.3%) $455,019 (-3.1%) 0.00 141
2024-02-01 $384,450 (-11.6%) $457,580 (-8.5%) 0.00 120
2024-03-01 $359,900 (-18.7%) $457,075 (-12.1%) 0.00 139
2024-04-01 $361,375 (-15.9%) $456,096 (-12.0%) 0.00 134
2024-05-01 $384,000 (-5.6%) $476,672 (-2.0%) 0.00 146
LAWRENCE's median listing price for 2024-05-01 was $384,000, a difference of $-22,575 (-5.6%) versus the prior year and $22,625 versus the prior month.

LAWRENCE's median listing price comes in at 0% of the national average.

LAWRENCE's average listing price for 2024-05-01 was $476,672, a difference of $-9,719 (-2.0%) versus the prior year and $20,576 versus the prior month.

For the 2024-05-01 period, LAWRENCE had 146 MLS listings, a difference of 12 listings (9%) versus the prior month and 18 listings (14%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - LAWRENCE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,170 sqft
2018-02-01 0 days 2,263 sqft
2018-03-01 0 days 2,467 sqft
2018-04-01 0 days 2,459 sqft
2018-05-01 0 days 2,459 sqft
2018-06-01 0 days 2,467 sqft
2018-07-01 0 days 2,400 sqft
2018-08-01 0 days 2,183 sqft
2018-09-01 0 days 2,165 sqft
2018-10-01 0 days 2,153 sqft
2018-11-01 0 days 2,138 sqft
2018-12-01 0 days 2,225 sqft
2019-01-01 0 days 2,301 sqft
2019-02-01 0 days 2,278 sqft
2019-03-01 0 days 2,305 sqft
2019-04-01 0 days 2,337 sqft
2019-05-01 0 days 2,470 sqft
2019-06-01 0 days 2,390 sqft
2019-07-01 0 days 2,285 sqft
2019-08-01 0 days 2,284 sqft
2019-09-01 0 days 2,309 sqft
2019-10-01 0 days 2,326 sqft
2019-11-01 0 days 2,328 sqft
2019-12-01 0 days 2,249 sqft
2020-01-01 0 days 2,251 sqft
2020-02-01 0 days 2,255 sqft
2020-03-01 0 days 2,296 sqft
2020-04-01 0 days 2,298 sqft
2020-05-01 0 days 2,350 sqft
2020-06-01 0 days 2,274 sqft
2020-07-01 0 days 2,292 sqft
2020-08-01 0 days 2,123 sqft
2020-09-01 0 days 1,975 sqft
2020-10-01 0 days 2,046 sqft
2020-11-01 0 days 1,998 sqft
2020-12-01 0 days 1,964 sqft
2021-01-01 0 days 1,864 sqft
2021-02-01 0 days 1,885 sqft
2021-03-01 0 days 1,842 sqft
2021-04-01 0 days 1,990 sqft
2021-05-01 0 days 1,965 sqft
2021-06-01 0 days 1,873 sqft
2021-07-01 0 days 1,975 sqft
2021-08-01 0 days 1,873 sqft
2021-09-01 0 days 1,905 sqft
2021-10-01 0 days 1,915 sqft
2021-11-01 0 days 1,903 sqft
2021-12-01 0 days 2,022 sqft
2022-01-01 0 days 2,016 sqft
2022-02-01 0 days 2,072 sqft
2022-03-01 0 days 1,964 sqft
2022-04-01 0 days 1,920 sqft
2022-05-01 0 days 1,939 sqft
2022-06-01 0 days 2,001 sqft
2022-07-01 0 days 2,105 sqft
2022-08-01 0 days 2,061 sqft
2022-09-01 0 days 2,033 sqft
2022-10-01 0 days 2,040 sqft
2022-11-01 0 days 2,029 sqft
2022-12-01 0 days 2,000 sqft
2023-01-01 0 days 2,202 sqft
2023-02-01 0 days 2,226 sqft
2023-03-01 0 days 2,212 sqft
2023-04-01 0 days 2,113 sqft
2023-05-01 0 days 2,268 sqft
2023-06-01 0 days 2,137 sqft
2023-07-01 0 days 2,197 sqft
2023-08-01 0 days 2,234 sqft
2023-09-01 0 days 2,197 sqft
2023-10-01 0 days 2,155 sqft
2023-11-01 0 days 2,037 sqft
2023-12-01 0 days 2,008 sqft
2024-01-01 0 days 1,788 sqft
2024-02-01 0 days 1,808 sqft
2024-03-01 0 days 1,808 sqft
2024-04-01 0 days 1,888 sqft
2024-05-01 0 days 1,948 sqft
LAWRENCE's median listing age (time on market) for 2024-05-01 was 0 days.

LAWRENCE's median square footage for active listings during the 2024-05-01 period was 1,948 sqft. One year prior, the average listing was 2,268 sqft.

LAWRENCE, KS Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
66006 Lawrence, KS MSA $730 $810 $1,000 $1,420 $1,690
66021 Lawrence, KS MSA $820 $930 $1,090 $1,440 $1,680
66025 Lawrence, KS MSA $880 $980 $1,200 $1,710 $2,030
66044 Lawrence, KS MSA $720 $800 $980 $1,390 $1,650
66045 Lawrence, KS MSA $760 $840 $1,030 $1,460 $1,740
66046 Lawrence, KS MSA $680 $750 $920 $1,310 $1,550
66047 Lawrence, KS MSA $820 $910 $1,120 $1,590 $1,890
66049 Lawrence, KS MSA $820 $910 $1,120 $1,590 $1,890
66050 Lawrence, KS MSA $740 $820 $1,010 $1,430 $1,700
66092 Lawrence, KS MSA $720 $820 $960 $1,300 $1,520
66409 Lawrence, KS MSA $640 $680 $850 $1,200 $1,410
66524 Lawrence, KS MSA $640 $680 $850 $1,200 $1,410
66542 Lawrence, KS MSA $680 $710 $920 $1,200 $1,410

2022 Average & Median Rent Data Statistics
LAWRENCE, KS average 1BR rent: $818, median: $820
LAWRENCE, KS average 2BR rent: $1,004, median: $1,000
LAWRENCE, KS average 3BR rent: $1,403, median: $1,420

LAWRENCE, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,128 $314,790,000 $279,069
Other 198 $37,280,000 $188,283
Cash Out Refi 189 $38,395,000 $203,148
Home Improvement 188 $14,700,000 $78,191
Refi 154 $46,700,000 $303,247

Lawrence's most frequently cited loan purpose was Home Purchase, with 1,128 originations. The 2nd most popular reason was Other, with 198 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 675 $203,395,000 $301,326
7-8% 457 $108,315,000 $237,013
Over 8% 331 $38,995,000 $117,810
5-6% 202 $52,610,000 $260,446
4-5% 24 $4,930,000 $205,417
2.5-3% 23 $1,785,000 $77,609
3-4% 4 $1,760,000 $440,000
<2.5% 2 $580,000 $290,000

During 2023, Lawrence's most frequently originated rate bucket was 6-7%, with 675 originations.

Loan Sizing (LAWRENCE, KS MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 684 $190,770,000 $278,904
$100,000 or less 481 $24,335,000 $50,593
$100k-200k 479 $71,825,000 $149,948
$400k-600k 140 $67,590,000 $482,786
$600k-1000k 58 $40,690,000 $701,552
$Over $1MM 15 $56,655,000 $3,777,000

LAWRENCE's loan sizing saw the bucket of loans from $200k-400k with 684 originations, totaling $190,770,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 587 $173,535,000 $295,630
60-80% 418 $121,280,000 $290,144
Under 20% 307 $19,655,000 $64,023
20-40% 182 $26,830,000 $147,418
40-60% 162 $41,020,000 $253,210
Over 100% 14 $26,790,000 $1,913,571

LAWRENCE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 587 originations, totaling $173,535,000 in origination value.