LAWRENCE Mortgage Rates

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

30 Year Fixed Rate mortgages in Lawrence averaged 5.44% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.21% and one month ago for the week of 2022-04-07, the average rate was 4.66%.

Lawrence's average rate one year ago was 2.94%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.28%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Lawrence 30 Year Fixed Rate 2022-05-12 5.44%
Lawrence 30 Year Fixed Rate Refi 2022-05-12 5.28%
Lawrence 15 Year Fixed Rate 2022-05-12 5.82%
Lawrence 15 Year Fixed Rate Refi 2022-05-12 4.58%
Lawrence 30 Year FHA 2022-05-12 5.3%
Lawrence 30 Year FHA Refi 2022-05-12 5.52%
Lawrence 30 Year USDA 2022-05-12 5.38%
Lawrence 30 Year USDA Refi 2022-05-12 5.29%
Lawrence 30 Year VA 2022-05-12 5.69%
Lawrence 30 Year VA Refi 2022-05-12 5.05%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 297 3.13% $2,276
Truity Federal Credit Union 233 2.88% $1,676
Mid-America Bank 205 3.16% $2,217
NBH Bank 126 3.19% $2,369
QUICKEN LOANS, LLC 123 3.09% $4,406
Capitol Federal Savings Bank 100 2.96% $2,143
RCB Bank 69 3.08% $2,613
PRIMELENDING, A PLAINSCAPITAL COMPANY 66 3.30% $2,945
MOVEMENT MORTGAGE, LLC 57 3.15% $2,675
Landmark National Bank 55 3.04% $2,247
Flagstar Bank, FSB 53 3.13% $3,143
Sunflower Bank 39 3.23% $3,180
U.S. Bank 38 3.19% $2,561
Truist Bank 32 2.83% $2,094
Wells Fargo Bank 30 3.30% $2,997
The Central Trust Bank 28 3.01% $2,541
Envista Credit Union 28 3.06% $3,142
LOANDEPOT.COM, LLC 27 3.10% $4,793
MERITRUST Federal Credit Union 26 3.25% $2,420
Central National Bank 25 3.00% $1,110
COMMUNITYAMERICA 24 3.17% $2,766
Commerce Bank 20 3.54% $2,320
BETTER MORTGAGE CORPORATION 19 2.91% $2,090
Citizens Bank 18 2.93% $4,589
Bank of America 18 2.85% $2,509
FLAT BRANCH MORTGAGE, INC. 17 3.23% $2,745
AMERISAVE MORTGAGE CORPORATION 16 2.86% $4,505
Mr. Cooper ( Nationstar Mortgage ) 16 3.23% $4,814
Arvest Bank 15 3.04% $2,783
PENNYMAC LOAN SERVICES, LLC 13 3.26% $3,239
DELMAR FINANCIAL COMPANY 13 3.26% $1,202
COMMUNITY MORTGAGE, LLC 12 3.06% $2,312
First State Bank of St. Charles, Missouri 12 2.84% $2,570
MAINSTREET FEDERAL CREDIT UNION 12 3.15% $1,963
HOME POINT FINANCIAL CORPORATION 11 3.06% $2,948
GUILD MORTGAGE COMPANY 11 3.12% $3,621
JPMorgan Chase Bank 10 3.05% $4,242
Academy Bank 9 3.19% $2,946
Prosperity Home Mortgage, LLC 9 3.11% $3,064
UNITED WHOLESALE MORTGAGE, LLC 9 3.11% $2,571
BROKER SOLUTIONS, INC. 8 3.16% $3,695
UNION HOME MORTGAGE CORP. 8 3.19% $2,791
NBKC BANK 8 2.92% $1,947
JLB CORPORATION 7 3.14% $3,701
North American Savings Bank, F.S.B. 7 3.11% $2,855
Intrust Bank 7 2.89% $1,993
FREEDOM MORTGAGE CORPORATION 7 3.18% $2,398
ZILLOW HOME LOANS, LLC 6 2.90% $3,057
LEADERONE FINANCIAL CORPORATION 6 3.08% $3,233
MUTUAL OF OMAHA MORTGAGE, INC. 6 3.17% $2,251
Plains Commerce Bank 6 2.94% $2,827
Wyndham Capital Mortgage, Inc. 5 3.35% $1,772
First Bank 5 2.95% $3,339
NEWREZ LLC 5 3.30% $3,683
Mazuma Credit Union 5 3.33% $2,970
Fidelity Bank 5 3.18% $2,315
ENDEAVOR CAPITAL, LLC. 4 3.19% $5,758
S1L, Inc. 4 3.22% $2,516
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 4 3.25% $3,064
Chicago Mortgage Solutions LLC 4 2.87% $1,295
UMB Bank 4 3.03% $2,148
SENTE MORTGAGE, INC. 4 3.15% $5,300
FINANCE OF AMERICA MORTGAGE LLC 4 3.06% $4,278
CROSSCOUNTRY MORTGAGE, LLC 4 3.28% $2,956
NAVY FEDERAL CREDIT UNION 4 3.69% $2,814
Farm Credit Mid-America, ACA 3 3.78% $7,038
GUARANTEED RATE, INC. 3 3.04% $2,387
RUOFF MORTGAGE COMPANY, INC. 3 2.96% $2,048
Ally Bank 3 2.67% $8,438
BNC National Bank 3 3.42% $2,965
KS StateBank 3 2.75% $2,299
THRIVE MORTGAGE, LLC 3 3.04% $2,934
First Mortgage Solutions, LLC 3 2.92% $1,617
CALIBER HOME LOANS, INC. 3 3.24% $2,361
Ixonia Bank 3 4.04% $4,294
Mortgage Investment Services Corporation 3 3.46% $3,659
Nations Lending Corporation 3 2.83% $6,491
Emprise Bank 3 3.29% $2,540
United Fidelity Funding Corp. 3 3.21% $2,682
Gateway First Bank 3 2.92% $4,032
Discover Bank 2 3.99% $0
First Federal Bank of Kansas City 2 3.13% $2,774
INLANTA MORTGAGE, INC. 2 3.13% $2,488
KELLER MORTGAGE, LLC 2 3.25% $1,625
CMG MORTGAGE, INC. 2 2.93% $4,935
Mortgage Research Center, LLC 2 2.75% $2,308
BOKF 2 3.63% $2,351
Neighborhood Loans, Inc. 2 2.94% $2,675
PLANET HOME LENDING, LLC 2 3.62% $2,276
Sierra Pacific Mortgage Company, Inc. 2 3.19% $2,750
ASSEMBLIES OF GOD Credit Union 2 2.88% $2,164
The Federal Savings Bank 2 3.50% $4,484
The Home Loan Expert LLC 2 3.19% $4,534
Think Mutual Bank 2 2.94% $3,667
AmeriHome Mortgage Company, LLC 2 3.12% $3,513
AMERICAN FINANCING CORPORATION 2 3.19% $4,122
WINGS FINANCIAL 1 2.63% $3,096
LAKEVIEW LOAN SERVICING, LLC 1 3.38% $4,083
Colonial Savings, F.A. 1 2.88% $858
NATIONWIDE MORTGAGE BANKERS, INC. 1 2.99% $5,802
Community First National Bank 1 2.99% $2,853
CoreFirst Bank & Trust 1 3.00% $2,108
First Home Bank 1 3.25% $3,262
UNITED CONSUMERS CREDIT UNION 1 3.25% $855
NEW DAY FINANCIAL, LLC 1 2.99% $2,934
Hometown Equity Mortgage, LLC 1 3.38% $6,288
BNY Mellon 1 2.88% $3,394
Oakstar Bank 1 2.75% $1,968
HOME BANK AND TRUST COMPANY 1 2.75% $1,705
Pinnacle Bank 1 2.88% $2,531
Heritage Bank 1 2.50% $4,527
First Horizon Bank 1 3.38% $3,248
PLAZA HOME MORTGAGE, INC. 1 2.99% $3,606
PREMIA MORTGAGE, LLC 1 2.88% $3,700
BMO Harris Bank 1 3.00% $2,633
BAY EQUITY LLC 1 3.13% $3,255
PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.00% $1,938
Baxter Credit Union 1 2.38% $1,339
Barrington Bank & Trust Company, N.A. 1 3.50% $7,230
RELIANCE FIRST CAPITAL, LLC 1 3.50% $8,593
RESIDENTIAL BANCORP. 1 2.99% $2,808
ROYAL UNITED MORTGAGE LLC 1 4.25% $6,965
Deere Employees Credit Union 1 3.13% $3,490
GENEVA FINANCIAL, LLC 1 3.50% $3,341
Security First Bank 1 2.88% $2,496
Enterprise Bank & Trust 1 4.75% $2,486
Servion, Inc. 1 2.88% $2,254
American Mortgage & Equity Consultants, Inc. 1 3.38% $2,288
SOFI LENDING CORP. 1 2.63% $7,946
Stifel Bank and Trust 1 2.88% $2,051
SUCCESS MORTGAGE PARTNERS, INC. 1 3.25% $2,968
Bankers Trust Company 1 2.38% $1,731
USAA Federal Savings Bank 1 2.75% $5,456
First Guaranty Mortgage Corporation 1 2.75% $6,369
AMERICAN FINANCIAL NETWORK, INC. 1 3.38% $13,552
Equity Bank 1 3.75% $5,587
First National Bank of Omaha 1 3.00% $2,182
TOGETHER CREDIT UNION 1 2.88% $3,104
Armed Forces Bank 1 2.63% $1,039
Ameris Bank 1 2.88% $6,026
First Midwest Bank 1 2.75% $3,109
Manufacturers and Traders Trust Company 1 3.25% $3,328
CIS Financial Services, Inc. 1 3.88% $3,482
MEGASTAR FINANCIAL CORP. 1 3.13% $2,513
Citibank 1 2.88% $3,643
CELEBRITY HOME LOANS, LLC 1 3.38% $4,535
MID AMERICAN 1 3.38% $2,229
Midwest Heritage Bank FSB 1 3.13% $1,775
LENDERFI, INC. 1 2.99% $1,088
Union Bank and Trust Company 1 2.88% $1,899
MORTGAGE SOLUTIONS LLC 1 2.88% $2,436
Carrington Mortgage Services, LLC 1 3.25% $4,850

LAWRENCE, KS's 152 lenders originated 4,579 loans during 2021. The total origination value was $1,022,675,000, with an average loan value of $223,340.

The top LAWRENCE lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 297 loans originated. Their average total fees are $2,276, which is $600 higher than the next largest lender, Truity Federal Credit Union.

The lowest fee LAWRENCE lenders (with over 10 loans originated) are Central National Bank ($1,110), DELMAR FINANCIAL COMPANY ($1,202), Truity Federal Credit Union ($1,676), MAINSTREET FEDERAL CREDIT UNION ($1,963) and BETTER MORTGAGE CORPORATION ($2,090).

The lowest rate LAWRENCE lenders (with over 10 loans originated) are Truist Bank (2.83%), First State Bank of St. Charles, Missouri (2.84%), Bank of America (2.85%), AMERISAVE MORTGAGE CORPORATION (2.86%) and Truity Federal Credit Union (2.88%).

LAWRENCE, 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
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $100,025,000 $106,090,000 6.1% 10.4%
Mid-America Bank $120,605,000 $97,770,000 -18.9% 9.6%
Truity Federal Credit Union $78,370,000 $82,410,000 5.2% 8.1%
Capitol Federal Savings Bank $46,225,000 $57,630,000 24.7% 5.6%
QUICKEN LOANS, LLC $51,810,000 $54,065,000 4.4% 5.3%
NBH Bank $49,030,000 $52,185,000 6.4% 5.1%
RCB Bank $21,895,000 $25,820,000 17.9% 2.5%
Landmark National Bank $30,740,000 $25,135,000 -18.2% 2.5%
U.S. Bank $24,565,000 $22,665,000 -7.7% 2.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $20,410,000 $19,555,000 -4.2% 1.9%
MOVEMENT MORTGAGE, LLC $21,880,000 $18,665,000 -14.7% 1.8%
FREEDOM MORTGAGE CORPORATION $14,715,000 $18,410,000 25.1% 1.8%
Flagstar Bank, FSB $14,230,000 $18,270,000 28.4% 1.8%
First State Bank and Trust $26,810,000 $17,960,000 -33.0% 1.8%
Wells Fargo Bank $11,040,000 $12,415,000 12.5% 1.2%
Sunflower Bank $7,515,000 $11,395,000 51.6% 1.1%
Truist Bank $9,435,000 $11,275,000 19.5% 1.1%
LOANDEPOT.COM, LLC $8,635,000 $10,925,000 26.5% 1.1%
BETTER MORTGAGE CORPORATION $2,310,000 $10,790,000 367.1% 1.1%
Central National Bank $21,150,000 $10,410,000 -50.8% 1.0%
Commerce Bank $8,265,000 $10,395,000 25.8% 1.0%
The Central Trust Bank $10,375,000 n/a 1.0%
Mr. Cooper ( Nationstar Mortgage ) $3,960,000 $9,945,000 151.1% 1.0%
MERITRUST Federal Credit Union $15,625,000 $9,715,000 -37.8% 0.9%
LAKEVIEW LOAN SERVICING, LLC $7,190,000 $9,100,000 26.6% 0.9%
PENNYMAC LOAN SERVICES, LLC $5,270,000 $8,855,000 68.0% 0.9%
Envista Credit Union $11,925,000 $8,060,000 -32.4% 0.8%
COMMUNITYAMERICA $8,100,000 $7,920,000 -2.2% 0.8%
AMERISAVE MORTGAGE CORPORATION $4,375,000 $7,810,000 78.5% 0.8%
Arvest Bank $7,590,000 $7,585,000 -0.1% 0.7%
WALKER & DUNLOP, LLC $2,955,000 $7,525,000 154.7% 0.7%
Citizens Bank $6,105,000 $7,165,000 17.4% 0.7%
Core Bank $7,015,000 n/a 0.7%
Silver Lake Bank $6,810,000 $6,915,000 1.5% 0.7%
FLAT BRANCH MORTGAGE, INC. $5,355,000 $6,440,000 20.3% 0.6%
Bank of America $12,910,000 $6,290,000 -51.3% 0.6%
Great American Bank $5,820,000 $6,160,000 5.8% 0.6%
HOME POINT FINANCIAL CORPORATION $4,340,000 $5,525,000 27.3% 0.5%
COMMUNITY MORTGAGE, LLC $4,185,000 $5,395,000 28.9% 0.5%
Mortgage Research Center, LLC $6,285,000 $5,190,000 -17.4% 0.5%
First State Bank of St. Charles, Missouri $5,385,000 $4,830,000 -10.3% 0.5%
Farmers Bank & Trust $1,215,000 $4,750,000 290.9% 0.5%
Emprise Bank $11,095,000 $4,095,000 -63.1% 0.4%
GUILD MORTGAGE COMPANY $2,525,000 $4,035,000 59.8% 0.4%
MAINSTREET FEDERAL CREDIT UNION $3,250,000 $3,785,000 16.5% 0.4%
NAVY FEDERAL CREDIT UNION $4,240,000 $3,670,000 -13.4% 0.4%
USAA Federal Savings Bank $3,785,000 $3,645,000 -3.7% 0.4%
JPMorgan Chase Bank $3,610,000 $3,635,000 0.7% 0.4%
LEADERONE FINANCIAL CORPORATION $2,830,000 $3,590,000 26.9% 0.4%
Farm Credit Mid-America, ACA $1,755,000 $3,580,000 104.0% 0.4%
Fidelity Bank $2,970,000 $3,350,000 12.8% 0.3%
NEWREZ LLC $1,570,000 $3,315,000 111.1% 0.3%
Prosperity Home Mortgage, LLC $1,915,000 $3,315,000 73.1% 0.3%
NBKC BANK $6,025,000 $3,310,000 -45.1% 0.3%
UNITED WHOLESALE MORTGAGE, LLC $6,995,000 $3,245,000 -53.6% 0.3%
UNION HOME MORTGAGE CORP. $2,095,000 $3,170,000 51.3% 0.3%
Community Bank $3,575,000 $3,115,000 -12.9% 0.3%
North American Savings Bank, F.S.B. $1,385,000 $3,050,000 120.2% 0.3%
Intrust Bank $7,980,000 $2,880,000 -63.9% 0.3%
DELMAR FINANCIAL COMPANY $2,400,000 $2,640,000 10.0% 0.3%
CALIBER HOME LOANS, INC. $2,270,000 $2,525,000 11.2% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,665,000 $2,395,000 43.8% 0.2%
FirstBank $2,225,000 n/a 0.2%
ZILLOW HOME LOANS, LLC $2,305,000 $2,220,000 -3.7% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $1,465,000 $2,175,000 48.5% 0.2%
Academy Bank $2,140,000 $2,105,000 -1.6% 0.2%
First Bank $1,670,000 $2,075,000 24.3% 0.2%
VisionBank $1,485,000 $2,065,000 39.1% 0.2%
JLB CORPORATION $2,160,000 $2,050,000 -5.1% 0.2%
KS StateBank $1,430,000 $2,045,000 43.0% 0.2%
The Federal Savings Bank $1,995,000 n/a 0.2%
CROSSCOUNTRY MORTGAGE, LLC $950,000 $1,960,000 106.3% 0.2%
BROKER SOLUTIONS, INC. $2,865,000 $1,955,000 -31.8% 0.2%
GUARANTEED RATE, INC. $2,240,000 $1,935,000 -13.6% 0.2%
Equity Bank $1,140,000 $1,930,000 69.3% 0.2%
Wyndham Capital Mortgage, Inc. $2,130,000 $1,800,000 -15.5% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $795,000 $1,700,000 113.8% 0.2%
Plains Commerce Bank $560,000 $1,645,000 193.8% 0.2%
Mutual Savings Association $3,295,000 $1,570,000 -52.4% 0.2%
Ally Bank $795,000 $1,540,000 93.7% 0.2%
BNY Mellon $1,465,000 n/a 0.1%
First National Bank of Omaha $3,155,000 $1,435,000 -54.5% 0.1%
Enterprise Bank & Trust $95,000 $1,420,000 1,394.7% 0.1%
First Federal Bank of Kansas City $970,000 $1,400,000 44.3% 0.1%
CoreFirst Bank & Trust $1,955,000 $1,375,000 -29.7% 0.1%
Mortgage Investment Services Corporation $1,800,000 $1,345,000 -25.3% 0.1%
ENDEAVOR CAPITAL, LLC. $3,140,000 $1,325,000 -57.8% 0.1%
Nations Lending Corporation $430,000 $1,320,000 207.0% 0.1%
PLANET HOME LENDING, LLC $520,000 $1,265,000 143.3% 0.1%
Chicago Mortgage Solutions LLC $1,260,000 n/a 0.1%
United Fidelity Funding Corp. $2,315,000 $1,195,000 -48.4% 0.1%
Kaw Valley Bank $1,515,000 $1,130,000 -25.4% 0.1%
UMB Bank $5,800,000 $1,115,000 -80.8% 0.1%
Mazuma Credit Union $885,000 $1,110,000 25.4% 0.1%
Carrington Mortgage Services, LLC $1,105,000 $1,105,000 0.0% 0.1%
SENTE MORTGAGE, INC. $1,070,000 $1,070,000 0.0% 0.1%
THRIVE MORTGAGE, LLC $510,000 $1,065,000 108.8% 0.1%
NEW DAY FINANCIAL, LLC $1,240,000 $985,000 -20.6% 0.1%
Ixonia Bank $215,000 $975,000 353.5% 0.1%
S1L, Inc. $960,000 n/a 0.1%
First Home Bank $490,000 $955,000 94.9% 0.1%
MID AMERICAN $765,000 $935,000 22.2% 0.1%
Barrington Bank & Trust Company, N.A. $85,000 $900,000 958.8% 0.1%
Citywide Banks $895,000 n/a 0.1%
Colonial Savings, F.A. $240,000 $860,000 258.3% 0.1%
First Mortgage Solutions, LLC $3,760,000 $785,000 -79.1% 0.1%
Sierra Pacific Mortgage Company, Inc. $185,000 $750,000 305.4% 0.1%
HEARTLAND CREDIT UNION $890,000 $730,000 -18.0% 0.1%
The Bennington State Bank $4,515,000 $730,000 -83.8% 0.1%
Community National Bank $1,820,000 $715,000 -60.7% 0.1%
MID AMERICA MORTGAGE, INC. $800,000 $715,000 -10.6% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $165,000 $710,000 330.3% 0.1%
TRIAD FINANCIAL SERVICES, INC. $490,000 $705,000 43.9% 0.1%
PENTAGON FEDERAL CREDIT UNION $1,405,000 $700,000 -50.2% 0.1%
BMO Harris Bank $695,000 n/a 0.1%
BOKF $1,370,000 $680,000 -50.4% 0.1%
Discover Bank $180,000 $670,000 272.2% 0.1%
BNC National Bank $900,000 $660,000 -26.7% 0.1%
Gateway First Bank $530,000 $660,000 24.5% 0.1%
First Guaranty Mortgage Corporation $1,075,000 $655,000 -39.1% 0.1%
PNC Bank $1,000,000 $650,000 -35.0% 0.1%
OPEN MORTGAGE, LLC $235,000 $635,000 170.2% 0.1%
RELIANCE FIRST CAPITAL, LLC $125,000 $625,000 400.0% 0.1%
AMERICAN FINANCING CORPORATION $675,000 $600,000 -11.1% 0.1%
LENDERFI, INC. $155,000 $600,000 287.1% 0.1%
Citibank $545,000 $590,000 8.3% 0.1%
The Union State Bank of Everest $790,000 $580,000 -26.6% 0.1%
CHURCHILL MORTGAGE CORPORATION $125,000 $575,000 360.0% 0.1%
First Option Bank $370,000 $565,000 52.7% 0.1%
KELLER MORTGAGE, LLC $930,000 $565,000 -39.2% 0.1%
CMG MORTGAGE, INC. $495,000 $560,000 13.1% 0.1%
First Federal Bank $280,000 $560,000 100.0% 0.1%
ESB Financial $550,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $1,005,000 $545,000 -45.8% 0.1%
Servion, Inc. $1,130,000 $525,000 -53.5% 0.1%
Great Southern Bank $95,000 $520,000 447.4% 0.1%
Bank of Blue Valley $510,000 n/a 0.0%
Community First National Bank $335,000 $510,000 52.2% 0.0%
RUOFF MORTGAGE COMPANY, INC. $315,000 $490,000 55.6% 0.0%
Regent Financial Group, Inc. $475,000 n/a 0.0%
Azura Credit Union $2,200,000 $470,000 -78.6% 0.0%
SOFI LENDING CORP. $805,000 $470,000 -41.6% 0.0%
AmeriHome Mortgage Company, LLC $445,000 n/a 0.0%
MEGASTAR FINANCIAL CORP. $570,000 $440,000 -22.8% 0.0%
Midwest Heritage Bank FSB $435,000 n/a 0.0%
The Home Loan Expert LLC $430,000 n/a 0.0%
NP, Inc. $165,000 $425,000 157.6% 0.0%
PREMIA MORTGAGE, LLC $730,000 $425,000 -41.8% 0.0%
Citizens Bank of Kansas $420,000 n/a 0.0%
HANSCOM $420,000 n/a 0.0%
TOGETHER CREDIT UNION $415,000 n/a 0.0%
CREDIT UNION OF AMERICA $410,000 n/a 0.0%
Citizens Savings and Loan Association, FSB $405,000 n/a 0.0%
GOLDEN PLAINS $985,000 $405,000 -58.9% 0.0%
First Midwest Bank $480,000 $395,000 -17.7% 0.0%
FINANCE OF AMERICA REVERSE LLC $55,000 $390,000 609.1% 0.0%
Waterstone Mortgage Corporation $385,000 n/a 0.0%
Manufacturers and Traders Trust Company $380,000 n/a 0.0%
Mid-Continent Funding, Inc. $245,000 $380,000 55.1% 0.0%
Neighborhood Loans, Inc. $380,000 n/a 0.0%
Stifel Bank and Trust $625,000 $365,000 -41.6% 0.0%
ASSEMBLIES OF GOD Credit Union $360,000 n/a 0.0%
INLANTA MORTGAGE, INC. $1,760,000 $360,000 -79.5% 0.0%
BAY EQUITY LLC $460,000 $345,000 -25.0% 0.0%
American Mortgage & Equity Consultants, Inc. $335,000 n/a 0.0%
GERSHMAN INVESTMENT CORP. $465,000 $335,000 -28.0% 0.0%
Security First Bank $335,000 n/a 0.0%
Baxter Credit Union $65,000 $325,000 400.0% 0.0%
IMPAC MORTGAGE CORP. $325,000 n/a 0.0%
Armed Forces Bank $305,000 n/a 0.0%
Union Bank and Trust Company $95,000 $305,000 221.1% 0.0%
Oakstar Bank $1,090,000 $295,000 -72.9% 0.0%
PLAZA HOME MORTGAGE, INC. $3,850,000 $290,000 -92.5% 0.0%
Ameris Bank $285,000 n/a 0.0%
Deere Employees Credit Union $445,000 $285,000 -36.0% 0.0%
Magnolia Bank $420,000 $285,000 -32.1% 0.0%
Paramount Residential Mortgage Group, Inc. $265,000 $280,000 5.7% 0.0%
The Farmers State Bank of Westmoreland $275,000 n/a 0.0%
Bell Bank $285,000 $270,000 -5.3% 0.0%
Heritage Bank $265,000 n/a 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $635,000 $265,000 -58.3% 0.0%
ROYAL UNITED MORTGAGE LLC $1,070,000 $260,000 -75.7% 0.0%
Austin Capital Bank SSB $255,000 n/a 0.0%
VILLAGE CAPITAL & INVESTMENT LLC $255,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $215,000 $250,000 16.3% 0.0%
GENEVA FINANCIAL, LLC $250,000 n/a 0.0%
Think Mutual Bank $250,000 n/a 0.0%
Mabrey Bank $245,000 n/a 0.0%
TJC Mortgage, Inc. $245,000 n/a 0.0%
WINGS FINANCIAL $245,000 n/a 0.0%
Members Mortgage Services, L.L.C. $410,000 $235,000 -42.7% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $500,000 $235,000 -53.0% 0.0%
Hawthorn Bank $225,000 n/a 0.0%
HOME BANK AND TRUST COMPANY $135,000 $225,000 66.7% 0.0%
LOANPAL, LLC $225,000 n/a 0.0%
Northpointe Bank $225,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $320,000 $225,000 -29.7% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $215,000 n/a 0.0%
DAS Acquisition Company, LLC $155,000 $205,000 32.3% 0.0%
Five Points Bank $205,000 n/a 0.0%
Hometown Equity Mortgage, LLC $205,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $195,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $185,000 n/a 0.0%
BancFirst $185,000 n/a 0.0%
MORTGAGE SOLUTIONS LLC $185,000 n/a 0.0%
First Horizon Bank $175,000 n/a 0.0%
Low VA Rates, LLC $495,000 $175,000 -64.6% 0.0%
TIAA, FSB $1,020,000 $170,000 -83.3% 0.0%
ENCORE BANK $165,000 n/a 0.0%
Pinnacle Bank $165,000 n/a 0.0%
RESIDENTIAL BANCORP. $165,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $165,000 n/a 0.0%
CELEBRITY HOME LOANS, LLC $500,000 $155,000 -69.0% 0.0%
CrossFirst Bank $810,000 $155,000 -80.9% 0.0%
West Gate Bank $765,000 $155,000 -79.7% 0.0%
Bankers Trust Company $145,000 n/a 0.0%
KANZA Bank $145,000 $145,000 0.0% 0.0%
Marine Bank $145,000 n/a 0.0%
MYCUMORTGAGE, LLC $410,000 $145,000 -64.6% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $145,000 n/a 0.0%
UNITED CONSUMERS CREDIT UNION $145,000 n/a 0.0%
21ST MORTGAGE CORPORATION $240,000 $135,000 -43.8% 0.0%
First-Citizens Bank & Trust Company $125,000 n/a 0.0%
PHH Mortgage Corporation $185,000 $125,000 -32.4% 0.0%
AMERICAN ADVISORS GROUP $170,000 $120,000 -29.4% 0.0%
Bank of the West $900,000 $110,000 -87.8% 0.0%
ALLIANT CREDIT UNION $105,000 n/a 0.0%
SPRING EQ, LLC $35,000 $105,000 200.0% 0.0%
ANB Bank $1,300,000 $85,000 -93.5% 0.0%
CIS Financial Services, Inc. $65,000 n/a 0.0%
DIGITAL Federal Credit Union $55,000 n/a 0.0%
The Union State Bank $125,000 $55,000 -56.0% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%
FRONTIER COMMUNITY CREDIT UNION $570,000 $15,000 -97.4% 0.0%

LAWRENCE's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 10.4% market share. In second place, with 9.6%, is Mid-America Bank, having originated $97,770,000 in loans. In third place, with 8.1%, is Truity Federal Credit Union, having originated $82,410,000 in loans. In third place, with 5.6%, is Capitol Federal Savings Bank, having originated $57,630,000 in loans. In third place, with 5.3%, is QUICKEN LOANS, LLC, having originated $54,065,000 in loans.


LAWRENCE, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,825 $461,035,000 $252,622
Refi 1,642 $354,750,000 $216,048
Cash Out Refi 878 $187,420,000 $213,462
Home Improvement 127 $8,935,000 $70,354
Other 107 $10,535,000 $98,458

Lawrence's most frequently cited loan purpose was Home Purchase, with 1,825 originations. The 2nd most popular reason was Refi, with 1,642 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,807 $418,135,000 $231,397
3-4% 1,505 $341,545,000 $226,940
<2.5% 773 $168,805,000 $218,376
4-5% 234 $41,850,000 $178,846
5-6% 31 $2,315,000 $74,677
7-8% 28 $970,000 $34,643
6-7% 6 $1,110,000 $185,000
Over 8% 6 $310,000 $51,667

During 2021, Lawrence's most frequently originated rate bucket was 2.5-3%, with 1,807 originations.

Loan Sizing (LAWRENCE, KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,857 $281,525,000 $151,602
$200k-400k 1,810 $487,170,000 $269,155
$100,000 or less 540 $34,040,000 $63,037
$400k-600k 312 $147,260,000 $471,987
$600k-1000k 41 $30,515,000 $744,268
$Over $1MM 19 $42,165,000 $2,219,211

LAWRENCE's loan sizing saw the bucket of loans from $100k-200k with 1,857 originations, totaling $281,525,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,750 $425,970,000 $243,411
80-100% 1,436 $364,720,000 $253,983
40-60% 639 $116,355,000 $182,089
20-40% 238 $28,650,000 $120,378
Under 20% 171 $7,145,000 $41,784
Over 100% 32 $11,000,000 $343,750

LAWRENCE's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,750 originations, totaling $425,970,000 in origination value.


Market Conditions (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 $292,400 (33.0%) $335,842 (2.5%) 0.00 290
2018-02-01 $312,000 (30.0%) $344,787 (2.4%) 0.00 267
2018-03-01 $299,900 (15.4%) $350,754 (0.9%) 0.00 286
2018-04-01 $307,475 (18.3%) $351,998 (-1.5%) 0.00 309
2018-05-01 $317,500 (8.9%) $370,219 (2.0%) 0.00 331
2018-06-01 $309,900 (10.7%) $357,676 (0.4%) 0.00 398
2018-07-01 $303,700 (5.1%) $349,806 (-3.1%) 0.00 454
2018-08-01 $296,950 (7.1%) $343,766 (0.9%) 0.00 456
2018-09-01 $298,900 (12.2%) $349,433 (7.9%) 0.00 447
2018-10-01 $289,900 (5.4%) $346,829 (7.7%) 0.00 422
2018-11-01 $287,475 (1.8%) $340,778 (4.0%) 0.00 422
2018-12-01 $300,000 (7.2%) $347,749 (7.3%) 0.00 367
2019-01-01 $322,500 (10.3%) $347,037 (3.3%) 0.00 324
2019-02-01 $327,450 (5.0%) $342,919 (-0.5%) 0.00 308
2019-03-01 $325,657 (8.6%) $342,828 (-2.3%) 0.00 339
2019-04-01 $320,707 (4.3%) $345,038 (-2.0%) 0.00 371
2019-05-01 $324,950 (2.4%) $366,730 (-0.9%) 0.00 382
2019-06-01 $324,900 (4.8%) $362,611 (1.4%) 0.00 436
2019-07-01 $307,450 (1.2%) $353,850 (1.2%) 0.00 465
2019-08-01 $295,614 (-0.5%) $342,726 (-0.3%) 0.00 458
2019-09-01 $295,614 (-1.1%) $343,254 (-1.8%) 0.00 442
2019-10-01 $299,900 (3.5%) $352,129 (1.5%) 0.00 455
2019-11-01 $299,900 (4.3%) $357,884 (5.0%) 0.00 433
2019-12-01 $304,950 (1.7%) $358,977 (3.2%) 0.00 346
2020-01-01 $312,500 (-3.1%) $365,243 (5.3%) 0.00 299
2020-02-01 $319,000 (-2.6%) $375,529 (9.5%) 0.00 304
2020-03-01 $331,450 (1.8%) $384,389 (12.1%) 0.00 325
2020-04-01 $337,450 (5.2%) $384,104 (11.3%) 0.00 324
2020-05-01 $339,900 (4.6%) $387,643 (5.7%) 0.00 302
2020-06-01 $329,900 (1.5%) $405,492 (11.8%) 0.00 260
2020-07-01 $326,450 (6.2%) $406,111 (14.8%) 0.00 233
2020-08-01 $315,000 (6.6%) $391,715 (14.3%) 0.00 222
2020-09-01 $298,000 (0.8%) $363,342 (5.9%) 0.00 221
2020-10-01 $309,000 (3.0%) $387,558 (10.1%) 0.00 202
2020-11-01 $299,950 (0.0%) $387,903 (8.4%) 0.00 172
2020-12-01 $299,450 (-1.8%) $393,506 (9.6%) 0.00 139
2021-01-01 $300,000 (-4.0%) $392,813 (7.6%) 0.00 112
2021-02-01 $314,950 (-1.3%) $396,487 (5.6%) 0.00 82
2021-03-01 $283,450 (-14.5%) $356,131 (-7.4%) 0.00 80
2021-04-01 $297,000 (-12.0%) $364,180 (-5.2%) 0.00 91
2021-05-01 $304,900 (-10.3%) $370,087 (-4.5%) 0.00 105
2021-06-01 $294,475 (-10.7%) $360,330 (-11.1%) 0.00 114
2021-07-01 $308,450 (-5.5%) $376,523 (-7.3%) 0.00 143
2021-08-01 $302,000 (-4.1%) $347,911 (-11.2%) 0.00 165
2021-09-01 $312,450 (4.9%) $353,901 (-2.6%) 0.00 155
2021-10-01 $339,950 (10.0%) $370,776 (-4.3%) 0.00 166
2021-11-01 $352,500 (17.5%) $386,535 (-0.4%) 0.00 115
2021-12-01 $368,950 (23.2%) $398,263 (1.2%) 0.00 101
2022-01-01 $385,000 (28.3%) $437,050 (11.3%) 0.00 89
2022-02-01 $390,450 (24.0%) $445,298 (12.3%) 0.00 95
2022-03-01 $389,950 (37.6%) $426,377 (19.7%) 0.00 103
2022-04-01 $369,900 (24.6%) $432,225 (18.7%) 0.00 112
LAWRENCE's median listing price for 2022-04-01 was $369,900, a difference of $72,900 (24.6%) versus the prior year and $-20,050 versus the prior month.

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

LAWRENCE's average listing price for 2022-04-01 was $432,225, a difference of $68,045 (18.7%) versus the prior year and $5,848 versus the prior month.

For the 2022-04-01 period, LAWRENCE had 112 MLS listings, a difference of 9 listings (9%) versus the prior month and 21 listings (23%) 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 2,180 sqft
2018-02-01 0 days 2,295 sqft
2018-03-01 0 days 2,467 sqft
2018-04-01 0 days 2,458 sqft
2018-05-01 0 days 2,484 sqft
2018-06-01 0 days 2,518 sqft
2018-07-01 0 days 2,441 sqft
2018-08-01 0 days 2,219 sqft
2018-09-01 0 days 2,222 sqft
2018-10-01 0 days 2,222 sqft
2018-11-01 0 days 2,212 sqft
2018-12-01 0 days 2,381 sqft
2019-01-01 0 days 2,364 sqft
2019-02-01 0 days 2,301 sqft
2019-03-01 0 days 2,344 sqft
2019-04-01 0 days 2,420 sqft
2019-05-01 0 days 2,495 sqft
2019-06-01 0 days 2,490 sqft
2019-07-01 0 days 2,338 sqft
2019-08-01 0 days 2,250 sqft
2019-09-01 0 days 2,219 sqft
2019-10-01 0 days 2,341 sqft
2019-11-01 0 days 2,342 sqft
2019-12-01 0 days 2,242 sqft
2020-01-01 0 days 2,262 sqft
2020-02-01 0 days 2,278 sqft
2020-03-01 0 days 2,354 sqft
2020-04-01 0 days 2,357 sqft
2020-05-01 0 days 2,412 sqft
2020-06-01 0 days 2,430 sqft
2020-07-01 0 days 2,412 sqft
2020-08-01 0 days 2,200 sqft
2020-09-01 0 days 2,007 sqft
2020-10-01 0 days 2,137 sqft
2020-11-01 0 days 2,014 sqft
2020-12-01 0 days 2,059 sqft
2021-01-01 0 days 1,950 sqft
2021-02-01 0 days 1,954 sqft
2021-03-01 0 days 1,818 sqft
2021-04-01 0 days 1,995 sqft
2021-05-01 0 days 1,929 sqft
2021-06-01 0 days 1,900 sqft
2021-07-01 0 days 2,009 sqft
2021-08-01 0 days 1,844 sqft
2021-09-01 0 days 1,929 sqft
2021-10-01 0 days 1,975 sqft
2021-11-01 0 days 1,897 sqft
2021-12-01 0 days 2,006 sqft
2022-01-01 0 days 1,980 sqft
2022-02-01 0 days 2,105 sqft
2022-03-01 0 days 2,032 sqft
2022-04-01 0 days 2,040 sqft
LAWRENCE's median listing age (time on market) for 2022-04-01 was 0 days.

LAWRENCE's median square footage for active listings during the 2022-04-01 period was 2,040 sqft. One year prior, the average listing was 1,995 sqft.