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 6.76% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.67% and one month ago for the week of 2025-02-27, the average rate was 6.88%.

Lawrence's average rate one year ago was 7.11%.

For refis of the same type during the week of 2025-04-03, the average rate was 6.9%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Lawrence 30 Year Fixed Rate 2025-04-03 6.76%
Lawrence 30 Year Fixed Rate Refi 2025-04-03 6.9%
Lawrence 15 Year Fixed Rate 2025-04-03 6.02%
Lawrence 15 Year Fixed Rate Refi 2025-04-03 5.82%
Lawrence 30 Year FHA 2025-04-03 6.25%
Lawrence 30 Year FHA Refi 2025-04-03 6.06%
Lawrence 30 Year USDA 2025-04-03 6.32%
Lawrence 30 Year USDA Refi 2025-04-03 6.22%
Lawrence 30 Year VA 2025-04-03 6.06%
Lawrence 30 Year VA Refi 2025-04-03 6.06%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Mid-America Bank 105 6.95% $2,313
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 86 6.96% $2,883
Truity Federal Credit Union 73 6.51% $2,248
QUICKEN LOANS, LLC 66 6.69% $5,568
Capitol Federal Savings Bank 37 6.34% $2,627
MOVEMENT MORTGAGE, LLC 28 6.86% $3,380
Bell Bank 26 6.74% $3,611
Landmark National Bank 21 6.40% $2,418
COMMUNITYAMERICA 18 6.54% $4,325
PRIMELENDING, A PLAINSCAPITAL COMPANY 16 7.00% $3,095
UNITED WHOLESALE MORTGAGE, LLC 14 6.88% $5,745
First State Bank of St. Charles, Missouri 12 6.52% $2,922
U.S. Bank 11 6.98% $2,870
Sunflower Bank 11 6.87% $3,792
Flagstar Bank, FSB 10 6.85% $4,143
NBH Bank 10 6.95% $2,809
FLAT BRANCH MORTGAGE, INC. 9 6.97% $2,842
MAINSTREET FEDERAL CREDIT UNION 8 6.47% $2,310
Envista Credit Union 8 6.59% $3,678
Commerce Bank 8 6.92% $2,223
Prosperity Home Mortgage, LLC 8 7.03% $3,571
NEWREZ LLC 7 6.66% $5,370
MUTUAL OF OMAHA MORTGAGE, INC. 6 6.62% $8,593
The Central Trust Bank 6 6.73% $2,861
Arvest Bank 6 6.94% $3,262
JPMorgan Chase Bank 6 6.68% $3,726
PENNYMAC LOAN SERVICES, LLC 5 6.32% $9,518
NBKC BANK 5 6.53% $2,311
Truist 5 7.04% $3,243
NAVY FEDERAL CREDIT UNION 4 6.34% $1,859
LEADERONE FINANCIAL CORPORATION 4 6.97% $4,304
GUILD MORTGAGE COMPANY 4 6.69% $2,810
Fidelity Bank 4 6.88% $2,652
MERITRUST Federal Credit Union 4 6.75% $3,781
CROSSCOUNTRY MORTGAGE, LLC 4 7.10% $3,629
Ally Bank 3 6.96% $1,465
Farm Credit Mid-America, ACA 3 7.00% $6,418
HALLMARK HOME MORTGAGE, LLC 3 6.91% $2,998
Wells Fargo Bank 3 6.42% $5,147
LOANDEPOT.COM, LLC 3 6.83% $6,446
USAA Federal Savings Bank 3 6.46% $3,591
UNION HOME MORTGAGE CORP. 3 6.75% $5,749
Bank of America 3 6.17% $4,744
BOKF 2 6.69% $3,374
BROKER SOLUTIONS, INC. 2 7.81% $4,269
DAS Acquisition Company, LLC 2 7.38% $5,510
DELMAR FINANCIAL COMPANY 2 6.81% $2,551
Emprise Bank 2 6.31% $2,584
Mortgage Investment Services Corporation 2 7.00% $3,016
American Mortgage Bank, LLC 2 6.69% $4,410
Mr. Cooper ( Nationstar Mortgage ) 2 7.13% $7,562
Oakstar Bank 2 4.52% $1,789
Farmers Bank & Trust 2 6.44% $2,501
First Bank 2 6.81% $3,455
First Federal Bank 2 6.31% $2,293
First Federal Bank of Kansas City 2 6.56% $5,820
RCB Bank 2 7.00% $2,194
Stride Bank 2 6.31% $4,122
The Huntington National Bank 2 7.19% $3,377
UMB Bank 2 6.73% $2,868
FREEDOM MORTGAGE CORPORATION 2 7.31% $5,584
Barrington Bank & Trust Company, N.A. 2 7.88% $4,731
COMMUNITY MORTGAGE, LLC 2 7.00% $3,101
BMO Harris Bank 2 7.50% $7,156
HOMESIDE FINANCIAL, LLC 2 6.56% $2,893
ZILLOW HOME LOANS, LLC 1 7.50% $3,461
AMERICAN FINANCIAL NETWORK, INC. 1 6.88% $2,377
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.38% $3,872
AmeriHome Mortgage Company, LLC 1 6.63% $3,102
AMERISAVE MORTGAGE CORPORATION 1 5.63% $20,968
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.38% $1,539
Armed Forces Bank 1 7.38% $2,674
Azura Credit Union 1 6.13% $5,426
Bankers' Bank 1 6.63% $6,774
Bank Five Nine 1 8.13% $2,644
Bank of Colorado 1 7.00% $3,101
Bank of the Flint Hills 1 6.75% $1,609
BETTER MORTGAGE CORPORATION 1 6.13% $5,456
Carrington Mortgage Services, LLC 1 6.13% $5,359
Central National Bank 1 6.38% $935
CHURCHILL MORTGAGE CORPORATION 1 7.13% $3,220
City Bank 1 6.63% $6,162
CMG MORTGAGE, INC. 1 6.99% $5,904
Community National Bank & Trust 1 6.13% $11,161
CoreFirst Bank & Trust 1 6.75% $2,528
CORNHUSKER BANK 1 7.00% $2,781
CREDIT UNION OF AMERICA 1 6.13% $4,243
ENDEAVOR CAPITAL, LLC. 1 7.13% $3,445
EVANSVILLE TEACHERS 1 6.88% $2,808
EVERETT FINANCIAL, INC. 1 7.13% $3,007
First National Bank of Omaha 1 7.00% $2,566
Gate City Bank 1 6.13% $6,332
GERSHMAN INVESTMENT CORP. 1 5.88% $2,033
Great Southern Bank 1 7.13% $2,186
GREENSTATE CREDIT UNION 1 6.99% $2,102
GUARANTEED RATE, INC. 1 6.63% $2,968
HEARTLAND CREDIT UNION 1 7.13% $4,644
HNB National Bank 1 6.63% $1,221
HOME BANK AND TRUST COMPANY 1 6.75% $3,769
JLB CORPORATION 1 7.63% $7,996
Leader Bank 1 5.50% $4,388
LOANPAL, LLC 1 6.00% $12,970
Magnolia Bank 1 7.63% $5,207
MID AMERICA MORTGAGE, INC. 1 6.99% $6,343
MID AMERICAN 1 7.38% $2,782
Midwest Mortgage Associates Corporation 1 6.63% $3,028
Morgan Stanley Private Bank 1 6.13% $2,227
Mortgage Research Center, LLC 1 6.99% $4,365
North American Savings Bank, F.S.B. 1 7.88% $7,789
Northwest Bank 1 7.00% $2,355
OPEN MORTGAGE, LLC 1 7.13% $4,552
Pinnacle Bank 1 5.88% $2,768
PLANET HOME LENDING, LLC 1 6.88% $3,238
PLAZA HOME MORTGAGE, INC. 1 7.63% $2,872
PNC Bank 1 6.50% $4,167
PREMIA MORTGAGE, LLC 1 7.63% $0
PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.38% $4,929
Regent Financial Group, Inc. 1 7.13% $9,682
The Loan Store, Inc. 1 6.49% $2,119
Waterstone Mortgage Corporation 1 7.13% $4,885
West Gate Bank 1 8.63% $2,291
Academy Bank 1 6.88% $2,954

LAWRENCE Average Closing Costs & Other Stats

LAWRENCE, KS's 122 lenders originated 2,014 loans during 2024. The total origination value was $569,960,000, with an average loan value of $282,999.

LAWRENCE's average closing costs are $3,444.

The top LAWRENCE lender as defined by loan originations is Mid-America Bank, with 105 loans originated. Their average total fees are $2,313, which is $570 lower than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

The lowest fee LAWRENCE lenders (with over 10 loans originated) are Truity Federal Credit Union ($2,248), Mid-America Bank ($2,313), Landmark National Bank ($2,418), Capitol Federal Savings Bank ($2,627) and NBH Bank ($2,809).

The lowest rate LAWRENCE lenders (with over 10 loans originated) are Capitol Federal Savings Bank (6.34%), Landmark National Bank (6.40%), Truity Federal Credit Union (6.51%), First State Bank of St. Charles, Missouri (6.52%) and COMMUNITYAMERICA (6.54%).

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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
Mid-America Bank $49,390,000 $57,460,000 16.3% 10.1%
Truity Federal Credit Union $46,715,000 $38,540,000 -17.5% 6.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $42,665,000 $38,005,000 -10.9% 6.7%
BOKF $425,000 $34,775,000 8,082.4% 6.1%
QUICKEN LOANS, LLC $20,025,000 $28,480,000 42.2% 5.0%
Old National Bank $730,000 $27,490,000 3,665.8% 4.8%
Prudential Huntoon Paige Associates, LLC $23,100,000 n/a 4.1%
Emprise Bank $15,435,000 $21,240,000 37.6% 3.7%
Capitol Federal Savings Bank $17,750,000 $17,325,000 -2.4% 3.0%
Bell Bank $2,925,000 $13,035,000 345.6% 2.3%
Great American Bank $9,030,000 $12,545,000 38.9% 2.2%
First State Bank and Trust $5,995,000 $12,175,000 103.1% 2.1%
NBH Bank $20,290,000 $12,000,000 -40.9% 2.1%
Landmark National Bank $3,615,000 $10,410,000 188.0% 1.8%
MOVEMENT MORTGAGE, LLC $6,580,000 $10,335,000 57.1% 1.8%
Envista Credit Union $6,920,000 $8,850,000 27.9% 1.6%
COMMUNITYAMERICA $5,900,000 $8,390,000 42.2% 1.5%
UNITED WHOLESALE MORTGAGE, LLC $7,745,000 $7,880,000 1.7% 1.4%
U.S. Bank $5,400,000 $7,350,000 36.1% 1.3%
Silver Lake Bank $5,145,000 $6,980,000 35.7% 1.2%
Mortgage Research Center, LLC $3,630,000 $6,465,000 78.1% 1.1%
Commerce Bank $6,135,000 $5,915,000 -3.6% 1.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,955,000 $5,540,000 40.1% 1.0%
The Central Trust Bank $5,385,000 $5,390,000 0.1% 0.9%
FREEDOM MORTGAGE CORPORATION $1,430,000 $5,005,000 250.0% 0.9%
Sunflower Bank $8,775,000 $4,615,000 -47.4% 0.8%
First State Bank of St. Charles, Missouri $3,460,000 $4,320,000 24.9% 0.8%
PENNYMAC LOAN SERVICES, LLC $735,000 $4,125,000 461.2% 0.7%
Flagstar Bank, FSB $695,000 $4,050,000 482.7% 0.7%
UMB Bank $2,165,000 $3,705,000 71.1% 0.7%
Bank of America $1,960,000 $3,540,000 80.6% 0.6%
FLAT BRANCH MORTGAGE, INC. $2,440,000 $3,530,000 44.7% 0.6%
NAVY FEDERAL CREDIT UNION $2,745,000 $3,230,000 17.7% 0.6%
USAA Federal Savings Bank $3,075,000 $3,120,000 1.5% 0.5%
Arvest Bank $10,380,000 $2,490,000 -76.0% 0.4%
NEWREZ LLC $665,000 $2,475,000 272.2% 0.4%
MAINSTREET FEDERAL CREDIT UNION $3,245,000 $2,435,000 -25.0% 0.4%
Prosperity Home Mortgage, LLC $1,475,000 $2,345,000 59.0% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $990,000 $2,275,000 129.8% 0.4%
TRIAD FINANCIAL SERVICES, INC. $1,775,000 $2,110,000 18.9% 0.4%
Truist $4,835,000 $1,970,000 -59.3% 0.3%
LOANDEPOT.COM, LLC $805,000 $1,915,000 137.9% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $895,000 $1,835,000 105.0% 0.3%
MERITRUST Federal Credit Union $2,120,000 $1,730,000 -18.4% 0.3%
NBKC BANK $3,640,000 $1,730,000 -52.5% 0.3%
First Federal Bank of Kansas City $625,000 $1,710,000 173.6% 0.3%
Fidelity Bank $3,785,000 $1,680,000 -55.6% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $500,000 $1,655,000 231.0% 0.3%
LEADERONE FINANCIAL CORPORATION $920,000 $1,530,000 66.3% 0.3%
BROKER SOLUTIONS, INC. $750,000 $1,515,000 102.0% 0.3%
Discover Bank $575,000 $1,410,000 145.2% 0.2%
Community National Bank $1,310,000 $1,385,000 5.7% 0.2%
Intrust Bank $5,650,000 $1,275,000 -77.4% 0.2%
JPMorgan Chase Bank $1,040,000 $1,235,000 18.8% 0.2%
Community Bank $545,000 $1,220,000 123.9% 0.2%
MID AMERICA MORTGAGE, INC. $355,000 $1,210,000 240.8% 0.2%
RCB Bank $2,690,000 $1,190,000 -55.8% 0.2%
HALLMARK HOME MORTGAGE, LLC $405,000 $1,135,000 180.2% 0.2%
HOME BANK AND TRUST COMPANY $1,130,000 n/a 0.2%
First Bank $1,165,000 $1,120,000 -3.9% 0.2%
PREMIA MORTGAGE, LLC $1,100,000 n/a 0.2%
COMMUNITY MORTGAGE, LLC $840,000 $1,075,000 28.0% 0.2%
First National Bank of Omaha $850,000 $1,075,000 26.5% 0.2%
Ally Bank $1,065,000 n/a 0.2%
Community National Bank & Trust $145,000 $1,055,000 627.6% 0.2%
AMERISAVE MORTGAGE CORPORATION $1,480,000 $1,050,000 -29.1% 0.2%
The Huntington National Bank $1,855,000 $1,050,000 -43.4% 0.2%
Farm Credit Mid-America, ACA $2,955,000 $1,025,000 -65.3% 0.2%
Farmers Bank & Trust $45,000 $1,005,000 2,133.3% 0.2%
CMG MORTGAGE, INC. $610,000 $985,000 61.5% 0.2%
Azura Credit Union $70,000 $980,000 1,300.0% 0.2%
HOMESIDE FINANCIAL, LLC $540,000 $925,000 71.3% 0.2%
GUILD MORTGAGE COMPANY $920,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $185,000 $840,000 354.1% 0.1%
Mortgage Investment Services Corporation $550,000 $830,000 50.9% 0.1%
LAKEVIEW LOAN SERVICING, LLC $185,000 $825,000 345.9% 0.1%
Carrington Mortgage Services, LLC $775,000 $790,000 1.9% 0.1%
Wells Fargo Bank $3,245,000 $790,000 -75.7% 0.1%
Pinnacle Bank $765,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $245,000 $730,000 198.0% 0.1%
Stride Bank $725,000 n/a 0.1%
Kaw Valley Bank $325,000 $705,000 116.9% 0.1%
West Gate Bank $700,000 n/a 0.1%
CoreFirst Bank & Trust $2,355,000 $695,000 -70.5% 0.1%
Community First National Bank $695,000 $690,000 -0.7% 0.1%
PNC Bank $105,000 $680,000 547.6% 0.1%
BMO Harris Bank $285,000 $675,000 136.8% 0.1%
Midwest Mortgage Associates Corporation $665,000 n/a 0.1%
HNB National Bank $655,000 n/a 0.1%
Central National Bank $3,345,000 $645,000 -80.7% 0.1%
Lincoln Savings Bank $645,000 n/a 0.1%
Oakstar Bank $570,000 $635,000 11.4% 0.1%
GUARANTEED RATE, INC. $610,000 n/a 0.1%
GUIDANCE RESIDENTIAL, LLC $585,000 n/a 0.1%
First Federal Bank $420,000 $580,000 38.1% 0.1%
LENDINGHOME FUNDING CORPORATION $555,000 n/a 0.1%
Magnolia Bank $555,000 n/a 0.1%
American Mortgage Bank, LLC $550,000 n/a 0.1%
PLANET HOME LENDING, LLC $945,000 $550,000 -41.8% 0.1%
Stockgrowers State Bank $550,000 n/a 0.1%
DAS Acquisition Company, LLC $385,000 $530,000 37.7% 0.1%
MID AMERICAN $255,000 $530,000 107.8% 0.1%
Academy Bank $1,515,000 $525,000 -65.3% 0.1%
Morgan Stanley Private Bank $525,000 n/a 0.1%
The Federal Savings Bank $285,000 $525,000 84.2% 0.1%
HOMEXPRESS MORTGAGE CORP. $520,000 n/a 0.1%
North American Savings Bank, F.S.B. $855,000 $515,000 -39.8% 0.1%
Mazuma Credit Union $500,000 n/a 0.1%
Great Southern Bank $490,000 n/a 0.1%
Bank of England $485,000 n/a 0.1%
DELMAR FINANCIAL COMPANY $235,000 $480,000 104.3% 0.1%
Figure Lending LLC $730,000 $470,000 -35.6% 0.1%
LOANPAL, LLC $245,000 $470,000 91.8% 0.1%
CORNHUSKER BANK $455,000 n/a 0.1%
Cornerstone Bank $105,000 $430,000 309.5% 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $430,000 n/a 0.1%
Heritage Bank $425,000 n/a 0.1%
Mutual Savings Association $145,000 $420,000 189.7% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $275,000 $415,000 50.9% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $450,000 $415,000 -7.8% 0.1%
Gate City Bank $415,000 n/a 0.1%
Bank Five Nine $395,000 n/a 0.1%
Bank of Weston $395,000 n/a 0.1%
Lakeview Community Capital, LLC $385,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $305,000 $380,000 24.6% 0.1%
Armed Forces Bank $375,000 n/a 0.1%
The Loan Store, Inc. $410,000 $370,000 -9.8% 0.1%
City Bank $125,000 $355,000 184.0% 0.1%
Brighton Bank $345,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $120,000 $345,000 187.5% 0.1%
Regent Financial Group, Inc. $345,000 n/a 0.1%
United Bank & Trust $345,000 n/a 0.1%
Enterprise Bank & Trust $520,000 $330,000 -36.5% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $400,000 $330,000 -17.5% 0.1%
OPEN MORTGAGE, LLC $145,000 $325,000 124.1% 0.1%
Bankers' Bank $235,000 $305,000 29.8% 0.1%
Boeing Employees Credit Union $305,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $460,000 $295,000 -35.9% 0.1%
Baxter Credit Union $295,000 n/a 0.1%
Citizens Bank of Kansas $285,000 n/a 0.1%
GREENSTATE CREDIT UNION $285,000 n/a 0.1%
LENDINGONE, LLC $285,000 n/a 0.1%
Equity Bank $280,000 n/a 0.0%
EVANSVILLE TEACHERS $275,000 n/a 0.0%
FIRST WESTROADS BANK, INC. $275,000 n/a 0.0%
Gateway First Bank $275,000 n/a 0.0%
GNBank $950,000 $275,000 -71.1% 0.0%
PEOPLES STATE BANK $125,000 $275,000 120.0% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $305,000 $275,000 -9.8% 0.0%
Waterstone Mortgage Corporation $1,125,000 $265,000 -76.4% 0.0%
AmeriHome Mortgage Company, LLC $255,000 n/a 0.0%
JLB CORPORATION $255,000 n/a 0.0%
ENDEAVOR CAPITAL, LLC. $510,000 $245,000 -52.0% 0.0%
EVERETT FINANCIAL, INC. $265,000 $245,000 -7.5% 0.0%
VILLAGE CAPITAL MORTGAGE $245,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $65,000 $245,000 276.9% 0.0%
21ST MORTGAGE CORPORATION $120,000 $240,000 100.0% 0.0%
The Union State Bank $230,000 n/a 0.0%
AMERICAN HERITAGE LENDING, INC. $125,000 $225,000 80.0% 0.0%
Bank of the Flint Hills $225,000 n/a 0.0%
HEARTLAND CREDIT UNION $145,000 $225,000 55.2% 0.0%
PHH Mortgage Corporation $225,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $240,000 $220,000 -8.3% 0.0%
CONSTRUCTIVE LOANS, LLC $215,000 n/a 0.0%
Deere Employees Credit Union $740,000 $215,000 -70.9% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $205,000 n/a 0.0%
CREDIT UNION OF AMERICA $330,000 $205,000 -37.9% 0.0%
Peoples Bank $175,000 $205,000 17.1% 0.0%
The Citizens National Bank $815,000 $205,000 -74.8% 0.0%
CHURCHILL MORTGAGE CORPORATION $185,000 n/a 0.0%
DOMINION FINANCIAL SERVICES, LLC $185,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $185,000 n/a 0.0%
V.I.P. MORTGAGE, INC. $165,000 $185,000 12.1% 0.0%
GERSHMAN INVESTMENT CORP. $175,000 n/a 0.0%
Northwest Bank $175,000 n/a 0.0%
The First Security Bank $460,000 $175,000 -62.0% 0.0%
Coastal Community Bank $205,000 $165,000 -19.5% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $165,000 n/a 0.0%
THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS $300,000 $160,000 -46.7% 0.0%
Bank of Colorado $145,000 n/a 0.0%
NFM, INC. $325,000 $135,000 -58.5% 0.0%
BETTER MORTGAGE CORPORATION $235,000 $125,000 -46.8% 0.0%
First Federal Savings and Loan Bank $135,000 $125,000 -7.4% 0.0%
Leader Bank $125,000 n/a 0.0%
GTE Federal Credit Union $105,000 n/a 0.0%
SPRING EQ, LLC $180,000 $80,000 -55.6% 0.0%
AFFINITY $75,000 n/a 0.0%
THE BANK OF KREMLIN $35,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $610,000 $35,000 -94.3% 0.0%

LAWRENCE's top lender by overall market share is Mid-America Bank, with 10.1% market share. In second place, with 6.8%, is Truity Federal Credit Union, having originated $38,540,000 in loans. In third place, with 6.7%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $38,005,000 in loans. In fourth place, with 6.1%, is BOKF, having originated $34,775,000 in loans. In fifth place, with 5.0%, is QUICKEN LOANS, LLC, having originated $28,480,000 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%) $345,089 (5.5%) 0.00 219
2018-02-01 $304,250 (26.8%) $347,935 (3.9%) 0.00 210
2018-03-01 $299,700 (16.4%) $354,812 (1.6%) 0.00 220
2018-04-01 $306,963 (12.3%) $355,904 (-1.0%) 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 (-0.9%) 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 (-1.7%) 0.00 252
2019-02-01 $318,900 (4.8%) $339,542 (-2.4%) 0.00 240
2019-03-01 $313,921 (4.8%) $338,541 (-4.6%) 0.00 268
2019-04-01 $306,946 (0.0%) $339,519 (-4.6%) 0.00 295
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 (10.2%) 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 $354,950 (14.5%) $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 $429,450 (16.4%) $516,470 (15.3%) 0.00 122
2023-05-01 $405,150 (9.2%) $484,159 (9.7%) 0.00 127
2023-06-01 $399,900 (8.6%) $477,491 (10.6%) 0.00 131
2023-07-01 $405,000 (9.5%) $485,316 (11.9%) 0.00 151
2023-08-01 $399,839 (12.7%) $475,243 (12.1%) 0.00 141
2023-09-01 $404,925 (16.6%) $462,987 (3.8%) 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 (-11.7%) 0.00 134
2024-05-01 $369,900 (-8.7%) $462,352 (-4.5%) 0.00 146
2024-06-01 $344,900 (-13.8%) $440,567 (-7.7%) 0.00 181
2024-07-01 $356,863 (-11.9%) $454,492 (-6.4%) 0.00 204
2024-08-01 $349,900 (-12.5%) $430,329 (-9.5%) 0.00 206
2024-09-01 $350,000 (-13.6%) $454,454 (-1.8%) 0.00 207
2024-10-01 $352,500 (-11.9%) $471,436 (2.2%) 0.00 217
2024-11-01 $355,000 (-7.8%) $484,339 (5.5%) 0.00 265
2024-12-01 $357,500 (-4.6%) $493,510 (7.7%) 0.00 173
2025-01-01 $399,450 (7.3%) $541,618 (19.0%) 0.00 140
2025-02-01 $425,500 (10.7%) $540,720 (18.2%) 0.00 124
2025-03-01 $422,500 (17.4%) $527,480 (15.4%) 0.00 142
LAWRENCE's median listing price for 2025-03-01 was $422,500, a difference of $62,600 (17.4%) versus the prior year and $-3,000 versus the prior month.

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

LAWRENCE's average listing price for 2025-03-01 was $527,480, a difference of $70,405 (15.4%) versus the prior year and $-13,240 versus the prior month.

For the 2025-03-01 period, LAWRENCE had 142 MLS listings, a difference of 18 listings (15%) versus the prior month and 3 listings (2%) 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 2,257 sqft
2018-03-01 0 days 2,456 sqft
2018-04-01 0 days 2,468 sqft
2018-05-01 0 days 2,461 sqft
2018-06-01 0 days 2,467 sqft
2018-07-01 0 days 2,400 sqft
2018-08-01 0 days 2,190 sqft
2018-09-01 0 days 2,168 sqft
2018-10-01 0 days 2,167 sqft
2018-11-01 0 days 2,144 sqft
2018-12-01 0 days 2,227 sqft
2019-01-01 0 days 2,302 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 2,111 sqft
2023-05-01 0 days 2,247 sqft
2023-06-01 0 days 2,131 sqft
2023-07-01 0 days 2,188 sqft
2023-08-01 0 days 2,220 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 1,857 sqft
2024-06-01 0 days 1,778 sqft
2024-07-01 0 days 1,782 sqft
2024-08-01 0 days 1,774 sqft
2024-09-01 0 days 1,788 sqft
2024-10-01 0 days 1,929 sqft
2024-11-01 0 days 1,961 sqft
2024-12-01 0 days 1,915 sqft
2025-01-01 0 days 1,994 sqft
2025-02-01 0 days 1,896 sqft
2025-03-01 0 days 1,882 sqft
LAWRENCE's median listing age (time on market) for 2025-03-01 was 0 days.

LAWRENCE's median square footage for active listings during the 2025-03-01 period was 1,882 sqft. One year prior, the average listing was 1,808 sqft.

LAWRENCE, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,181 $414,225,000 $350,741
Refi 237 $58,035,000 $244,873
Cash Out Refi 221 $36,725,000 $166,176
Other 193 $27,325,000 $141,580
Home Improvement 181 $33,255,000 $183,729
NA 1 $395,000 $395,000

Lawrence's most frequently cited loan purpose was Home Purchase, with 1,181 originations. The 2nd most popular reason was Refi, with 237 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 827 $241,625,000 $292,170
7-8% 443 $156,265,000 $352,743
Over 8% 345 $37,355,000 $108,275
5-6% 178 $64,990,000 $365,112
2.5-3% 18 $2,460,000 $136,667
4-5% 14 $20,290,000 $1,449,286
<2.5% 5 $855,000 $171,000
3-4% 3 $795,000 $265,000

During 2024, Lawrence's most frequently originated rate bucket was 6-7%, with 827 originations.

Loan Sizing (LAWRENCE, KS MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 811 $227,555,000 $280,586
$100,000 or less 492 $26,480,000 $53,821
$100k-200k 468 $70,410,000 $150,449
$400k-600k 165 $78,885,000 $478,091
$600k-1000k 54 $39,020,000 $722,593
$Over $1MM 24 $127,610,000 $5,317,083

LAWRENCE's loan sizing saw the bucket of loans from $200k-400k with 811 originations, totaling $227,555,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 638 $194,250,000 $304,467
60-80% 475 $205,985,000 $433,653
Under 20% 294 $15,560,000 $52,925
20-40% 207 $50,985,000 $246,304
40-60% 141 $41,305,000 $292,943
Over 100% 14 $9,370,000 $669,286

LAWRENCE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 638 originations, totaling $194,250,000 in origination value.