LAWRENCE Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Lawrence averaged 6.75% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.94% and one month ago for the week of 2024-11-07, the average rate was 6.94%.

    Lawrence's average rate one year ago was 7.18%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.7%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Lawrence 30 Year Fixed Rate 2024-12-12 6.75%
    Lawrence 30 Year Fixed Rate Refi 2024-12-12 6.7%
    Lawrence 15 Year Fixed Rate 2024-12-12 5.84%
    Lawrence 15 Year Fixed Rate Refi 2024-12-12 5.74%
    Lawrence 30 Year FHA 2024-12-12 6.19%
    Lawrence 30 Year FHA Refi 2024-12-12 6.18%
    Lawrence 30 Year USDA 2024-12-12 6.2%
    Lawrence 30 Year USDA Refi 2024-12-12 6.2%
    Lawrence 30 Year VA 2024-12-12 5.88%
    Lawrence 30 Year VA Refi 2024-12-12 5.88%
    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
    2024-06-01 $349,900 (-12.5%) $457,659 (-4.6%) 0.00 181
    2024-07-01 $356,863 (-12.4%) $454,492 (-6.7%) 0.00 204
    2024-08-01 $349,900 (-12.5%) $430,329 (-9.9%) 0.00 206
    2024-09-01 $350,000 (-13.6%) $454,454 (-2.2%) 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
    LAWRENCE's median listing price for 2024-11-01 was $355,000, a difference of $-29,925 (-7.8%) versus the prior year and $2,500 versus the prior month.

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

    LAWRENCE's average listing price for 2024-11-01 was $484,339, a difference of $25,418 (5.5%) versus the prior year and $12,903 versus the prior month.

    For the 2024-11-01 period, LAWRENCE had 265 MLS listings, a difference of 48 listings (22%) versus the prior month and 88 listings (50%) 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
    2024-06-01 0 days 1,781 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
    LAWRENCE's median listing age (time on market) for 2024-11-01 was 0 days.

    LAWRENCE's median square footage for active listings during the 2024-11-01 period was 1,961 sqft. One year prior, the average listing was 2,037 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.