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 6.89% 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.