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 6.89% for the week of 2023-09-14, compared to the national average of 7.18% for the same period.

The average rate for the prior week (2023-09-07) was 6.73% and one month ago for the week of 2023-08-10, the average rate was 6.87%.

Lawrence's average rate one year ago was 5.8%.

For refis of the same type during the week of 2023-09-14, the average rate was 6.79%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-14 7.18%
Lawrence 30 Year Fixed Rate 2023-09-14 6.89%
Lawrence 30 Year Fixed Rate Refi 2023-09-14 6.79%
Lawrence 15 Year Fixed Rate 2023-09-14 6.66%
Lawrence 15 Year Fixed Rate Refi 2023-09-14 6.71%
Lawrence 30 Year FHA 2023-09-14 6.49%
Lawrence 30 Year FHA Refi 2023-09-14 7.09%
Lawrence 30 Year USDA 2023-09-14 7.08%
Lawrence 30 Year USDA Refi 2023-09-14 6.78%
Lawrence 30 Year VA 2023-09-14 6.51%
Lawrence 30 Year VA Refi 2023-09-14 6.81%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 190 5.34% $2,642
Mid-America Bank 121 5.09% $2,478
Truity Federal Credit Union 101 4.94% $1,854
NBH Bank 76 5.00% $2,890
QUICKEN LOANS, LLC 61 4.92% $6,063
Capitol Federal Savings Bank 48 4.57% $2,300
Sunflower Bank 42 4.10% $3,530
PRIMELENDING, A PLAINSCAPITAL COMPANY 38 5.23% $4,303
Landmark National Bank 35 4.64% $2,005
MOVEMENT MORTGAGE, LLC 34 5.07% $3,488
Truist 23 4.48% $2,312
RCB Bank 21 5.04% $3,299
COMMUNITYAMERICA 18 4.85% $3,221
U.S. Bank 18 4.90% $2,644
The Central Trust Bank 13 4.89% $2,507
Wells Fargo Bank 12 5.07% $3,091
Envista Credit Union 11 5.17% $3,858
Bank of America 11 4.42% $4,190
Flagstar Bank, FSB 11 4.23% $4,043
MERITRUST Federal Credit Union 10 4.74% $3,233
MAINSTREET FEDERAL CREDIT UNION 10 4.83% $2,401
Prosperity Home Mortgage, LLC 10 5.54% $3,739
First State Bank of St. Charles, Missouri 10 4.65% $3,573
GUILD MORTGAGE COMPANY 9 5.35% $3,595
FLAT BRANCH MORTGAGE, INC. 9 5.64% $2,739
Commerce Bank 8 4.75% $2,340
LOANDEPOT.COM, LLC 8 4.48% $6,177
Mr. Cooper ( Nationstar Mortgage ) 8 4.72% $6,601
UNITED WHOLESALE MORTGAGE, LLC 8 5.24% $4,168
AMERISAVE MORTGAGE CORPORATION 7 4.34% $5,927
Fidelity Bank 7 4.89% $2,490
PENNYMAC LOAN SERVICES, LLC 7 5.82% $5,017
UMB Bank 7 4.65% $2,362
Central National Bank 7 5.07% $901
Citizens Bank 7 4.52% $6,430
UNION HOME MORTGAGE CORP. 6 5.85% $3,243
JPMorgan Chase Bank 6 5.02% $3,015
North American Savings Bank, F.S.B. 6 5.94% $4,809
Arvest Bank 6 4.44% $3,294
LEADERONE FINANCIAL CORPORATION 5 4.75% $3,041
NAVY FEDERAL CREDIT UNION 5 5.93% $4,220
COMMUNITY MORTGAGE, LLC 5 4.55% $4,509
Ally Bank 5 4.85% $2,879
Armed Forces Bank 4 4.59% $3,829
Bell Bank 4 4.63% $2,378
CROSSCOUNTRY MORTGAGE, LLC 4 4.44% $5,738
AMERICAN FINANCING CORPORATION 4 3.78% $5,363
Farm Credit Mid-America, ACA 4 4.41% $9,347
CoreFirst Bank & Trust 3 3.75% $2,149
JLB CORPORATION 3 4.42% $4,542
ENDEAVOR CAPITAL, LLC. 3 4.17% $4,200
NBKC BANK 3 3.58% $2,292
FINANCE OF AMERICA MORTGAGE LLC 3 4.71% $3,205
FREEDOM MORTGAGE CORPORATION 3 4.54% $5,512
USAA Federal Savings Bank 3 5.42% $5,849
Azura Credit Union 3 5.50% $732
MID AMERICAN 2 5.63% $1,838
SUMMIT FUNDING, INC. 2 5.00% $3,138
Carrington Mortgage Services, LLC 2 5.25% $6,583
PHH Mortgage Corporation 2 4.94% $9,554
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.81% $6,024
GUARANTEED RATE, INC. 2 4.50% $5,970
Equity Bank 2 6.37% $4,835
HEARTLAND CREDIT UNION 2 4.00% $3,065
HOME POINT FINANCIAL CORPORATION 2 5.00% $7,977
Mazuma Credit Union 2 7.31% $4,035
The Federal Savings Bank 2 6.50% $4,982
Citibank 2 4.81% $3,394
HOMESIDE FINANCIAL, LLC 1 5.63% $4,600
ADVANCIAL 1 5.13% $3,640
American Mortgage & Equity Consultants, Inc. 1 3.63% $2,815
ASSEMBLIES OF GOD Credit Union 1 6.50% $2,424
BancorpSouth 1 3.38% $9,550
Bankers Trust Company 1 5.25% $2,170
Bank of the West 1 4.13% $3,335
Baxter Credit Union 1 4.75% $2,652
BAY EQUITY LLC 1 4.99% $8,582
BMO Harris Bank 1 4.50% $4,720
BNC National Bank 1 5.63% $3,313
BOKF 1 5.13% $2,562
BROKER SOLUTIONS, INC. 1 3.99% $3,671
CALIBER HOME LOANS, INC. 1 4.70% $3,831
CHERRY CREEK MORTGAGE, LLC 1 4.38% $125
CHURCHILL MORTGAGE CORPORATION 1 3.38% $2,117
Colonial Savings, F.A. 1 4.25% $4,433
Community First National Bank 1 3.50% $2,088
Congressional Bank 1 5.38% $2,994
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.13% $2,717
CRESCENT MORTGAGE COMPANY 1 4.13% $3,709
EVERETT FINANCIAL, INC. 1 5.75% $1,783
Financial Funding Solutions, Inc. 1 3.13% $2,816
First Bank 1 5.50% $3,127
FIRST COMMUNITY MORTGAGE, INC. 1 6.00% $3,241
First Federal Bank 1 6.25% $2,746
First Federal Bank of Kansas City 1 2.75% $1,464
First Home Bank 1 4.37% $5,490
First Internet Bank of Indiana 1 4.75% $2,026
First United Bank and Trust Company 1 6.00% $2,877
Frontier Bank 1 3.13% $2,208
GENEVA FINANCIAL, LLC 1 4.38% $6,016
Academy Bank 1 4.00% $3,297
HOMESPIRE MORTGAGE CORPORATION 1 5.50% $4,190
Intrust Bank 1 4.13% $1,685
Ixonia Bank 1 5.99% $12,656
MEGASTAR FINANCIAL CORP. 1 4.88% $2,623
Members Mortgage Services, L.L.C. 1 5.88% $3,552
MID AMERICA MORTGAGE, INC. 1 4.00% $1,900
Midwest Heritage Bank FSB 1 4.25% $2,166
Midwest Mortgage Associates Corporation 1 7.13% $275
Morgan Stanley Private Bank 1 4.95% $2,268
Mortgage Research Center, LLC 1 3.88% $7,566
Neighborhood Loans, Inc. 1 4.88% $3,889
NEWREZ LLC 1 4.99% $4,162
Notre Dame Federal Credit Union Corporation 1 4.38% $3,184
Plains Commerce Bank 1 4.38% $2,900
PREMIA MORTGAGE, LLC 1 5.13% $0
PROVIDENT FUNDING ASSOCIATES, L.P. 1 4.75% $3,142
RED DIAMOND HOME LOANS, LLC 1 5.38% $3,025
RESIDENTIAL BANCORP 1 3.25% $3,335
SOFI LENDING CORP. 1 3.38% $2,702
SUN WEST MORTGAGE COMPANY, INC. 1 3.75% $4,954
T2 FINANCIAL LLC 1 6.88% $5,082
The Bank of Missouri 1 3.25% $1,974
The Home Loan Expert LLC 1 5.38% $7,602
The Huntington National Bank 1 3.88% $3,676
THRIVE MORTGAGE, LLC 1 5.88% $4,672
Union Bank and Trust Company 1 4.88% $3,684
US MORTGAGE CORPORATION 1 5.25% $4,428
West Gate Bank 1 5.75% $2,047
Wyndham Capital Mortgage, Inc. 1 4.99% $1,880

LAWRENCE Average Closing Costs & Other Stats

LAWRENCE, KS's 130 lenders originated 2,568 loans during 2022. The total origination value was $630,870,000, with an average loan value of $245,666.

LAWRENCE's average closing costs are $3,225.

The top LAWRENCE lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 190 loans originated. Their average total fees are $2,642, which is $164 higher than the next largest lender, Mid-America Bank.

The lowest fee LAWRENCE lenders (with over 10 loans originated) are Truity Federal Credit Union ($1,854), Landmark National Bank ($2,005), Capitol Federal Savings Bank ($2,300), Truist ($2,312) and MAINSTREET FEDERAL CREDIT UNION ($2,401).

The lowest rate LAWRENCE lenders (with over 10 loans originated) are Sunflower Bank (4.10%), Flagstar Bank, FSB (4.23%), Bank of America (4.42%), Truist (4.48%) and Capitol Federal Savings Bank (4.57%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $106,090,000 $65,885,000 -37.9% 10.4%
Mid-America Bank $97,770,000 $65,305,000 -33.2% 10.4%
Capitol Federal Savings Bank $57,630,000 $48,175,000 -16.4% 7.6%
NBH Bank $52,185,000 $34,120,000 -34.6% 5.4%
Truity Federal Credit Union $82,410,000 $28,495,000 -65.4% 4.5%
Emprise Bank $4,095,000 $25,285,000 517.5% 4.0%
QUICKEN LOANS, LLC $54,065,000 $21,595,000 -60.1% 3.4%
Landmark National Bank $25,135,000 $15,430,000 -38.6% 2.4%
Sunflower Bank $11,395,000 $13,200,000 15.8% 2.1%
U.S. Bank $22,665,000 $13,070,000 -42.3% 2.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $19,555,000 $12,385,000 -36.7% 2.0%
Great American Bank $6,160,000 $12,340,000 100.3% 2.0%
RCB Bank $25,820,000 $12,210,000 -52.7% 1.9%
The Central Trust Bank $10,375,000 $11,980,000 15.5% 1.9%
Silver Lake Bank $6,915,000 $11,105,000 60.6% 1.8%
MOVEMENT MORTGAGE, LLC $18,665,000 $10,630,000 -43.0% 1.7%
Truist $11,275,000 $8,365,000 -25.8% 1.3%
First State Bank and Trust $17,960,000 $8,160,000 -54.6% 1.3%
COMMUNITYAMERICA $7,920,000 $7,655,000 -3.3% 1.2%
MERITRUST Federal Credit Union $9,715,000 $6,375,000 -34.4% 1.0%
Envista Credit Union $8,060,000 $5,905,000 -26.7% 0.9%
LIMA ONE CAPITAL, LLC $5,715,000 n/a 0.9%
Commerce Bank $10,395,000 $5,610,000 -46.0% 0.9%
Bank of America $6,290,000 $5,225,000 -16.9% 0.8%
UNITED WHOLESALE MORTGAGE, LLC $3,245,000 $5,170,000 59.3% 0.8%
Mortgage Research Center, LLC $5,190,000 $4,805,000 -7.4% 0.8%
Wells Fargo Bank $12,415,000 $4,455,000 -64.1% 0.7%
Flagstar Bank, FSB $18,270,000 $4,140,000 -77.3% 0.7%
First State Bank of St. Charles, Missouri $4,830,000 $4,105,000 -15.0% 0.7%
UMB Bank $1,115,000 $4,055,000 263.7% 0.6%
Citizens Bank $7,165,000 $3,745,000 -47.7% 0.6%
PENNYMAC LOAN SERVICES, LLC $8,855,000 $3,665,000 -58.6% 0.6%
Central National Bank $10,410,000 $3,545,000 -65.9% 0.6%
Arvest Bank $7,585,000 $3,455,000 -54.4% 0.5%
Prosperity Home Mortgage, LLC $3,315,000 $3,410,000 2.9% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $9,945,000 $3,390,000 -65.9% 0.5%
FREEDOM MORTGAGE CORPORATION $18,410,000 $3,355,000 -81.8% 0.5%
MAINSTREET FEDERAL CREDIT UNION $3,785,000 $3,185,000 -15.9% 0.5%
NAVY FEDERAL CREDIT UNION $3,670,000 $3,160,000 -13.9% 0.5%
Fidelity Bank $3,350,000 $2,970,000 -11.3% 0.5%
First Interstate Bank $2,970,000 n/a 0.5%
Community National Bank $715,000 $2,920,000 308.4% 0.5%
Farm Credit Mid-America, ACA $3,580,000 $2,915,000 -18.6% 0.5%
JPMorgan Chase Bank $3,635,000 $2,830,000 -22.1% 0.4%
AMERISAVE MORTGAGE CORPORATION $7,810,000 $2,815,000 -64.0% 0.4%
LOANDEPOT.COM, LLC $10,925,000 $2,590,000 -76.3% 0.4%
GUILD MORTGAGE COMPANY $4,035,000 $2,490,000 -38.3% 0.4%
North American Savings Bank, F.S.B. $3,050,000 $2,460,000 -19.3% 0.4%
LEADERONE FINANCIAL CORPORATION $3,590,000 $2,420,000 -32.6% 0.4%
UNION HOME MORTGAGE CORP. $3,170,000 $2,200,000 -30.6% 0.3%
FLAT BRANCH MORTGAGE, INC. $6,440,000 $2,175,000 -66.2% 0.3%
Azura Credit Union $470,000 $2,060,000 338.3% 0.3%
CoreFirst Bank & Trust $1,375,000 $1,970,000 43.3% 0.3%
Mutual Savings Association $1,570,000 $1,960,000 24.8% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $1,960,000 $1,755,000 -10.5% 0.3%
Intrust Bank $2,880,000 $1,700,000 -41.0% 0.3%
Farmers Bank & Trust $4,750,000 $1,630,000 -65.7% 0.3%
COMMUNITY MORTGAGE, LLC $5,395,000 $1,560,000 -71.1% 0.2%
KS StateBank $2,045,000 $1,545,000 -24.4% 0.2%
Ally Bank $1,540,000 $1,535,000 -0.3% 0.2%
TRIAD FINANCIAL SERVICES, INC. $705,000 $1,520,000 115.6% 0.2%
Armed Forces Bank $305,000 $1,490,000 388.5% 0.2%
LAKEVIEW LOAN SERVICING, LLC $9,100,000 $1,450,000 -84.1% 0.2%
USAA Federal Savings Bank $3,645,000 $1,435,000 -60.6% 0.2%
Union Bank and Trust Company $305,000 $1,420,000 365.6% 0.2%
Plains Commerce Bank $1,645,000 $1,350,000 -17.9% 0.2%
Bank of Blue Valley $510,000 $1,340,000 162.7% 0.2%
AMERICAN FINANCING CORPORATION $600,000 $1,330,000 121.7% 0.2%
BancorpSouth Bank $1,315,000 n/a 0.2%
Equity Bank $1,930,000 $1,300,000 -32.6% 0.2%
Bell Bank $270,000 $1,290,000 377.8% 0.2%
Community First National Bank $510,000 $1,260,000 147.1% 0.2%
PNC Bank $650,000 $1,255,000 93.1% 0.2%
HOME POINT FINANCIAL CORPORATION $5,525,000 $1,185,000 -78.6% 0.2%
CALIBER HOME LOANS, INC. $2,525,000 $1,130,000 -55.2% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $2,175,000 $1,105,000 -49.2% 0.2%
Kaw Valley Bank $1,130,000 $1,045,000 -7.5% 0.2%
NBKC BANK $3,310,000 $1,020,000 -69.2% 0.2%
Servion, Inc. $525,000 $1,020,000 94.3% 0.2%
CMG MORTGAGE, INC. $560,000 $1,010,000 80.4% 0.2%
The Huntington National Bank $1,000,000 n/a 0.2%
Core Bank $7,015,000 $995,000 -85.8% 0.2%
HEARTLAND CREDIT UNION $730,000 $985,000 34.9% 0.2%
SUMMIT FUNDING, INC. $955,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $2,395,000 $925,000 -61.4% 0.1%
BROKER SOLUTIONS, INC. $1,955,000 $905,000 -53.7% 0.1%
Citibank $590,000 $895,000 51.7% 0.1%
BMO Harris Bank $695,000 $855,000 23.0% 0.1%
The Federal Savings Bank $1,995,000 $810,000 -59.4% 0.1%
JLB CORPORATION $2,050,000 $795,000 -61.2% 0.1%
First Federal Savings and Loan Bank $780,000 n/a 0.1%
BOKF $680,000 $725,000 6.6% 0.1%
VisionBank $2,065,000 $715,000 -65.4% 0.1%
Bank of the West $110,000 $710,000 545.5% 0.1%
ENDEAVOR CAPITAL, LLC. $1,325,000 $690,000 -47.9% 0.1%
The Union State Bank of Everest $580,000 $660,000 13.8% 0.1%
PEOPLES STATE BANK $650,000 n/a 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $215,000 $650,000 202.3% 0.1%
BNC National Bank $660,000 $600,000 -9.1% 0.1%
PHH Mortgage Corporation $125,000 $590,000 372.0% 0.1%
GUARANTEED RATE, INC. $1,935,000 $580,000 -70.0% 0.1%
PREMIA MORTGAGE, LLC $425,000 $580,000 36.5% 0.1%
Carrington Mortgage Services, LLC $1,105,000 $570,000 -48.4% 0.1%
CrossFirst Bank $155,000 $570,000 267.7% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $235,000 $570,000 142.6% 0.1%
THRIVE MORTGAGE, LLC $1,065,000 $570,000 -46.5% 0.1%
West Gate Bank $155,000 $515,000 232.3% 0.1%
ESB Financial $550,000 $485,000 -11.8% 0.1%
MEGASTAR FINANCIAL CORP. $440,000 $470,000 6.8% 0.1%
MID AMERICAN $935,000 $465,000 -50.3% 0.1%
First Federal Bank of Kansas City $1,400,000 $460,000 -67.1% 0.1%
BETTER MORTGAGE CORPORATION $10,790,000 $440,000 -95.9% 0.1%
Labette Bank $435,000 n/a 0.1%
RED DIAMOND HOME LOANS, LLC $425,000 n/a 0.1%
First National Bank of Omaha $1,435,000 $420,000 -70.7% 0.1%
Financial Funding Solutions, Inc. $415,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $985,000 $415,000 -57.9% 0.1%
Academy Bank $2,105,000 $410,000 -80.5% 0.1%
RESIDENTIAL BANCORP. $165,000 $405,000 145.5% 0.1%
First Federal Bank $560,000 $385,000 -31.3% 0.1%
CHERRY CREEK MORTGAGE, LLC $375,000 n/a 0.1%
T2 FINANCIAL LLC $370,000 n/a 0.1%
Bankers Trust Company $145,000 $365,000 151.7% 0.1%
Wyndham Capital Mortgage, Inc. $1,800,000 $365,000 -79.7% 0.1%
SM Federal Credit Union $355,000 n/a 0.1%
United Fidelity Funding Corp. $1,195,000 $355,000 -70.3% 0.1%
HOMESPIRE MORTGAGE CORPORATION $345,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $265,000 $345,000 30.2% 0.1%
Mazuma Credit Union $1,110,000 $340,000 -69.4% 0.1%
Mortgage Investment Services Corporation $1,345,000 $340,000 -74.7% 0.1%
Colonial Savings, F.A. $860,000 $335,000 -61.0% 0.1%
Ixonia Bank $975,000 $335,000 -65.6% 0.1%
DELMAR FINANCIAL COMPANY $2,640,000 $315,000 -88.1% 0.0%
HOMESIDE FINANCIAL, LLC $545,000 $315,000 -42.2% 0.0%
Great Southern Bank $520,000 $305,000 -41.3% 0.0%
Midwest Mortgage Associates Corporation $305,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $575,000 $300,000 -47.8% 0.0%
CREDIT UNION OF AMERICA $410,000 $295,000 -28.0% 0.0%
Midwest Heritage Bank FSB $435,000 $295,000 -32.2% 0.0%
Peoples Bank $295,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $390,000 $290,000 -25.6% 0.0%
First Home Bank $955,000 $285,000 -70.2% 0.0%
MID AMERICA MORTGAGE, INC. $715,000 $285,000 -60.1% 0.0%
Nations Lending Corporation $1,320,000 $275,000 -79.2% 0.0%
EVERETT FINANCIAL, INC. $265,000 n/a 0.0%
SOFI LENDING CORP. $470,000 $265,000 -43.6% 0.0%
FRONTIER COMMUNITY CREDIT UNION $15,000 $260,000 1,633.3% 0.0%
ADVANCIAL $255,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $250,000 $255,000 2.0% 0.0%
Barrington Bank & Trust Company, N.A. $900,000 $255,000 -71.7% 0.0%
Notre Dame Federal Credit Union Corporation $255,000 n/a 0.0%
The Home Loan Expert LLC $430,000 $255,000 -40.7% 0.0%
Bank of the Flint Hills $245,000 n/a 0.0%
OPEN MORTGAGE, LLC $635,000 $245,000 -61.4% 0.0%
Regent Financial Group, Inc. $475,000 $245,000 -48.4% 0.0%
The Bennington State Bank $730,000 $235,000 -67.8% 0.0%
Oakstar Bank $295,000 $230,000 -22.0% 0.0%
Discover Bank $670,000 $225,000 -66.4% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $225,000 n/a 0.0%
Northpointe Bank $225,000 $225,000 0.0% 0.0%
Exchange Bank & Trust $220,000 n/a 0.0%
Congressional Bank $215,000 n/a 0.0%
Baxter Credit Union $325,000 $205,000 -36.9% 0.0%
BTC BANK $205,000 n/a 0.0%
Frontier Bank $205,000 n/a 0.0%
Morgan Stanley Private Bank $205,000 n/a 0.0%
Chicago Mortgage Solutions LLC $1,260,000 $200,000 -84.1% 0.0%
NEWREZ LLC $3,315,000 $200,000 -94.0% 0.0%
Figure Lending LLC $195,000 n/a 0.0%
First Bank $2,075,000 $185,000 -91.1% 0.0%
OAKTREE FUNDING CORP. $185,000 n/a 0.0%
Strong Home Mortgage, LLC $185,000 n/a 0.0%
American Mortgage & Equity Consultants, Inc. $335,000 $175,000 -47.8% 0.0%
BAY EQUITY LLC $345,000 $175,000 -49.3% 0.0%
CITIZENS EQUITY FIRST $175,000 n/a 0.0%
First Internet Bank of Indiana $175,000 n/a 0.0%
First Option Bank $565,000 $175,000 -69.0% 0.0%
First United Bank and Trust Company $175,000 n/a 0.0%
Stifel Bank and Trust $365,000 $175,000 -52.1% 0.0%
ACADEMY MORTGAGE CORPORATION $165,000 n/a 0.0%
Arbor Bank $165,000 n/a 0.0%
ASSEMBLIES OF GOD Credit Union $360,000 $165,000 -54.2% 0.0%
Bankers' Bank $165,000 n/a 0.0%
Deere Employees Credit Union $285,000 $165,000 -42.1% 0.0%
LENDINGONE, LLC $165,000 n/a 0.0%
Magnolia Bank $285,000 $165,000 -42.1% 0.0%
Gateway First Bank $660,000 $155,000 -76.5% 0.0%
M&T Bank $380,000 $155,000 -59.2% 0.0%
GENEVA FINANCIAL, LLC $250,000 $145,000 -42.0% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $135,000 n/a 0.0%
CRESCENT MORTGAGE COMPANY $125,000 n/a 0.0%
JAMES B. NUTTER & COMPANY $125,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $165,000 $125,000 -24.2% 0.0%
The Bank of Missouri $115,000 n/a 0.0%
US MORTGAGE CORPORATION $115,000 n/a 0.0%
SPRING EQ, LLC $105,000 $110,000 4.8% 0.0%
ATHAS CAPITAL GROUP, INC. $105,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $105,000 n/a 0.0%
Service Federal Credit Union $105,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $95,000 n/a 0.0%
Neighborhood Loans, Inc. $380,000 $95,000 -75.0% 0.0%
Lakeview Community Capital, LLC $85,000 n/a 0.0%
GOLDEN PLAINS $405,000 $65,000 -84.0% 0.0%
Members Mortgage Services, L.L.C. $235,000 $65,000 -72.3% 0.0%
Centier Bank $45,000 n/a 0.0%

LAWRENCE's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 10.4% market share. In second place, with 10.4%, is Mid-America Bank, having originated $65,305,000 in loans. In third place, with 7.6%, is Capitol Federal Savings Bank, having originated $48,175,000 in loans. In fourth place, with 5.4%, is NBH Bank, having originated $34,120,000 in loans. In fifth place, with 4.5%, is Truity Federal Credit Union, having originated $28,495,000 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 $307,300 (8.0%) $361,235 (7.0%) 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 (6.8%) 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 $407,000 (9.7%) $487,604 (10.5%) 0.00 128
2023-06-01 $402,425 (9.3%) $481,998 (11.6%) 0.00 131
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
LAWRENCE's median listing price for 2023-08-01 was $399,882, a difference of $48,682 (13.9%) versus the prior year and $-7,568 versus the prior month.

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

LAWRENCE's average listing price for 2023-08-01 was $477,400, a difference of $53,422 (12.6%) versus the prior year and $-9,783 versus the prior month.

For the 2023-08-01 period, LAWRENCE had 142 MLS listings, a difference of -10 listings (-7%) versus the prior month and -24 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 2,257 sqft
2018-03-01 0 days 2,467 sqft
2018-04-01 0 days 2,470 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 2,188 sqft
2018-09-01 0 days 2,168 sqft
2018-10-01 0 days 2,161 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 2,244 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 2,277 sqft
2023-06-01 0 days 2,142 sqft
2023-07-01 0 days 2,197 sqft
2023-08-01 0 days 2,234 sqft
LAWRENCE's median listing age (time on market) for 2023-08-01 was 0 days.

LAWRENCE's median square footage for active listings during the 2023-08-01 period was 2,234 sqft. One year prior, the average listing was 2,061 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 $740 $800 $990 $1,410 $1,650
66021 Lawrence, KS $760 $870 $1,030 $1,370 $1,570
66025 Lawrence, KS $810 $870 $1,080 $1,530 $1,800
66044 Lawrence, KS $670 $780 $920 $1,260 $1,490
66045 Lawrence, KS $680 $730 $900 $1,280 $1,500
66046 Lawrence, KS $650 $690 $860 $1,230 $1,490
66047 Lawrence, KS $760 $810 $1,010 $1,430 $1,690
66049 Lawrence, KS $780 $840 $1,040 $1,480 $1,740
66050 Lawrence, KS $680 $730 $910 $1,290 $1,520
66092 Lawrence, KS $660 $780 $920 $1,230 $1,490
66409 Lawrence, KS $650 $690 $880 $1,230 $1,490
66524 Lawrence, KS $650 $690 $860 $1,230 $1,490
66542 Lawrence, KS $650 $690 $860 $1,230 $1,490

2022 Average & Median Rent Data Statistics
LAWRENCE, KS average 1BR rent: $767, median: $780
LAWRENCE, KS average 2BR rent: $943, median: $920
LAWRENCE, KS average 3BR rent: $1,323, median: $1,280

LAWRENCE, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,475 $440,415,000 $298,586
Cash Out Refi 380 $81,740,000 $215,105
Refi 363 $79,105,000 $217,920
Home Improvement 210 $18,650,000 $88,810
Other 140 $10,960,000 $78,286

Lawrence's most frequently cited loan purpose was Home Purchase, with 1,475 originations. The 2nd most popular reason was Cash Out Refi, with 380 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 696 $169,490,000 $243,520
4-5% 588 $187,310,000 $318,554
3-4% 465 $107,085,000 $230,290
6-7% 273 $57,855,000 $211,923
2.5-3% 174 $33,820,000 $194,368
7-8% 128 $17,510,000 $136,797
<2.5% 40 $11,140,000 $278,500
Over 8% 27 $2,065,000 $76,481

During 2022, Lawrence's most frequently originated rate bucket was 5-6%, with 696 originations.

Loan Sizing (LAWRENCE, KS MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 990 $273,550,000 $276,313
$100k-200k 820 $125,130,000 $152,598
$100,000 or less 475 $25,355,000 $53,379
$400k-600k 208 $97,880,000 $470,577
$600k-1000k 55 $38,375,000 $697,727
$Over $1MM 20 $70,580,000 $3,529,000

LAWRENCE's loan sizing saw the bucket of loans from $200k-400k with 990 originations, totaling $273,550,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 832 $234,810,000 $282,224
60-80% 762 $248,460,000 $326,063
40-60% 270 $55,970,000 $207,296
Under 20% 259 $13,165,000 $50,830
20-40% 201 $24,295,000 $120,871
Over 100% 19 $7,005,000 $368,684

LAWRENCE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 832 originations, totaling $234,810,000 in origination value.