Ottawa Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Ottawa averaged
6.18%
for the week of 2024-10-03, compared to the national average of
6.12% for the same period.
The average rate for the prior week (2024-09-26) was
6.34% and
one month ago for the week of 2024-08-29, the
average rate was 6.31%.
Ottawa's average rate one year ago was 7.47%.
For refis of the same type during the week of 2024-10-03, the average rate
was 6.52%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2024-10-03 | 6.12% |
Ottawa 30 Year Fixed Rate | 2024-10-03 | 6.18% |
Ottawa 30 Year Fixed Rate Refi | 2024-10-03 | 6.52% |
Ottawa 15 Year Fixed Rate | 2024-10-03 | 5.45% |
Ottawa 15 Year Fixed Rate Refi | 2024-10-03 | 5.45% |
Ottawa 30 Year FHA | 2024-10-03 | 5.69% |
Ottawa 30 Year FHA Refi | 2024-10-03 | 5.79% |
Ottawa 30 Year USDA | 2024-10-03 | 5.77% |
Ottawa 30 Year USDA Refi | 2024-10-03 | 5.97% |
Ottawa 30 Year VA | 2024-10-03 | 5.8% |
Ottawa 30 Year VA Refi | 2024-10-03 | 5.7% |
Ottawa 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 Ottawa, 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.).
Ottawa Average Closing Costs & Other Stats
Ottawa, KS's 69 lenders originated 517
loans during 2023. The total origination value was $103,835,000, with an average loan value of
$200,841.
Ottawa's average closing costs are $3,996.
The top Ottawa lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
16 loans originated. Their average total fees are
$2,861, which is $848
higher than the next largest lender,
Mid-America Bank.
The lowest fee Ottawa lenders (with over 10 loans originated) are
Mid-America Bank ($2,013), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($2,861), Arvest Bank ($3,934), QUICKEN LOANS, LLC ($4,633) and .
The lowest rate Ottawa lenders (with over 10 loans originated) are
Arvest Bank (6.65%), QUICKEN LOANS, LLC (6.85%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.90%), Mid-America Bank (7.03%) and .
Ottawa, 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 |
---|---|---|---|---|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $7,965,000 | $7,370,000 | -7.5% | 7.1% |
Mid-America Bank | $8,245,000 | $5,405,000 | -34.4% | 5.2% |
QUICKEN LOANS, LLC | $3,640,000 | $5,380,000 | 47.8% | 5.2% |
The Kansas State Bank | $4,705,000 | n/a | 4.5% | |
Central National Bank | $835,000 | $4,615,000 | 452.7% | 4.4% |
Arvest Bank | $2,510,000 | $4,555,000 | 81.5% | 4.4% |
GREYSTONE FUNDING COMPANY LLC | $3,845,000 | n/a | 3.7% | |
NBH Bank | $5,285,000 | $3,335,000 | -36.9% | 3.2% |
Oakstar Bank | $2,255,000 | $3,185,000 | 41.2% | 3.1% |
The Central Trust Bank | $835,000 | $2,565,000 | 207.2% | 2.5% |
COMMUNITYAMERICA | $3,560,000 | $2,285,000 | -35.8% | 2.2% |
First Bank | $205,000 | $2,170,000 | 958.5% | 2.1% |
SUCCESS MORTGAGE PARTNERS, INC. | $2,240,000 | $2,170,000 | -3.1% | 2.1% |
MOVEMENT MORTGAGE, LLC | $1,715,000 | $1,870,000 | 9.0% | 1.8% |
UNITED WHOLESALE MORTGAGE, LLC | $835,000 | $1,815,000 | 117.4% | 1.7% |
CALIBER HOME LOANS, INC. | $2,255,000 | $1,595,000 | -29.3% | 1.5% |
Capitol Federal Savings Bank | $1,085,000 | $1,595,000 | 47.0% | 1.5% |
NEWREZ LLC | $1,350,000 | n/a | 1.3% | |
Mortgage Research Center, LLC | $2,450,000 | $1,335,000 | -45.5% | 1.3% |
LYNDON STATE BANK | $1,315,000 | n/a | 1.3% | |
PENNYMAC LOAN SERVICES, LLC | $1,325,000 | $1,250,000 | -5.7% | 1.2% |
BMO Harris Bank | $85,000 | $1,125,000 | 1,223.5% | 1.1% |
First State Bank of St. Charles, Missouri | $545,000 | $1,045,000 | 91.7% | 1.0% |
FLAT BRANCH MORTGAGE, INC. | $1,750,000 | $1,045,000 | -40.3% | 1.0% |
Prosperity Home Mortgage, LLC | $755,000 | $1,045,000 | 38.4% | 1.0% |
HALLMARK HOME MORTGAGE, LLC | $550,000 | $1,015,000 | 84.5% | 1.0% |
Great Southern Bank | $75,000 | $1,005,000 | 1,240.0% | 1.0% |
PATRIOTS BANK | $930,000 | n/a | 0.9% | |
DAS Acquisition Company, LLC | $225,000 | $845,000 | 275.6% | 0.8% |
UNION HOME MORTGAGE CORP. | $1,720,000 | $845,000 | -50.9% | 0.8% |
Farm Credit Mid-America, ACA | $1,590,000 | $830,000 | -47.8% | 0.8% |
NBKC BANK | $295,000 | $825,000 | 179.7% | 0.8% |
Mr. Cooper ( Nationstar Mortgage ) | $1,635,000 | $820,000 | -49.8% | 0.8% |
Landmark National Bank | $750,000 | $770,000 | 2.7% | 0.7% |
LOANDEPOT.COM, LLC | $1,075,000 | $760,000 | -29.3% | 0.7% |
LEADERONE FINANCIAL CORPORATION | $955,000 | $700,000 | -26.7% | 0.7% |
United Fidelity Funding Corp. | $680,000 | n/a | 0.7% | |
ENDEAVOR CAPITAL, LLC. | $680,000 | $645,000 | -5.1% | 0.6% |
Intrust Bank | $255,000 | $645,000 | 152.9% | 0.6% |
MUTUAL OF OMAHA MORTGAGE, INC. | $600,000 | n/a | 0.6% | |
S1L, Inc. | $145,000 | $585,000 | 303.4% | 0.6% |
Envista Credit Union | $380,000 | $580,000 | 52.6% | 0.6% |
AMERISAVE MORTGAGE CORPORATION | $1,420,000 | $575,000 | -59.5% | 0.6% |
Flagstar Bank, FSB | $1,240,000 | $575,000 | -53.6% | 0.6% |
Wells Fargo Bank | $850,000 | $565,000 | -33.5% | 0.5% |
Carrington Mortgage Services, LLC | $825,000 | $560,000 | -32.1% | 0.5% |
Sierra Pacific Mortgage Company, Inc. | $145,000 | $525,000 | 262.1% | 0.5% |
First Option Bank | $1,045,000 | $510,000 | -51.2% | 0.5% |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,480,000 | $495,000 | -66.6% | 0.5% |
Community National Bank & Trust | $485,000 | n/a | 0.5% | |
First Federal Bank of Kansas City | $535,000 | $485,000 | -9.3% | 0.5% |
CHURCHILL MORTGAGE CORPORATION | $315,000 | $480,000 | 52.4% | 0.5% |
MID AMERICA MORTGAGE, INC. | $475,000 | n/a | 0.5% | |
PLANET HOME LENDING, LLC | $115,000 | $475,000 | 313.0% | 0.5% |
USAA Federal Savings Bank | $515,000 | $470,000 | -8.7% | 0.5% |
Plains Commerce Bank | $460,000 | n/a | 0.4% | |
FRONTIER COMMUNITY CREDIT UNION | $55,000 | $455,000 | 727.3% | 0.4% |
Mortgage Investment Services Corporation | $455,000 | $455,000 | 0.0% | 0.4% |
Commerce Bank | $485,000 | $430,000 | -11.3% | 0.4% |
Waterstone Mortgage Corporation | $425,000 | n/a | 0.4% | |
Union Bank and Trust Company | $415,000 | n/a | 0.4% | |
TruHome Solutions, LLC | $380,000 | n/a | 0.4% | |
CROSSCOUNTRY MORTGAGE, LLC | $405,000 | $375,000 | -7.4% | 0.4% |
The First Security Bank | $375,000 | n/a | 0.4% | |
New Century Bank | $355,000 | n/a | 0.3% | |
Country Club Bank | $205,000 | $350,000 | 70.7% | 0.3% |
OPEN MORTGAGE, LLC | $350,000 | n/a | 0.3% | |
SUN WEST MORTGAGE COMPANY, INC. | $340,000 | n/a | 0.3% | |
First State Bank and Trust | $155,000 | $330,000 | 112.9% | 0.3% |
AMERICAN FINANCIAL RESOURCES, INC. | $325,000 | n/a | 0.3% | |
U.S. Bank | $1,610,000 | $315,000 | -80.4% | 0.3% |
Neighborhood Loans, Inc. | $465,000 | $310,000 | -33.3% | 0.3% |
NAVY FEDERAL CREDIT UNION | $310,000 | $295,000 | -4.8% | 0.3% |
Azura Credit Union | $175,000 | $285,000 | 62.9% | 0.3% |
Citizens State Bank | $275,000 | n/a | 0.3% | |
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $275,000 | n/a | 0.3% | |
MAINSTREET FEDERAL CREDIT UNION | $695,000 | $265,000 | -61.9% | 0.3% |
Equity Prime Mortgage LLC | $255,000 | n/a | 0.2% | |
BROKER SOLUTIONS, INC. | $660,000 | $240,000 | -63.6% | 0.2% |
DELMAR FINANCIAL COMPANY | $485,000 | $240,000 | -50.5% | 0.2% |
FINANCE OF AMERICA REVERSE LLC | $240,000 | n/a | 0.2% | |
MEGASTAR FINANCIAL CORP. | $235,000 | n/a | 0.2% | |
21ST MORTGAGE CORPORATION | $230,000 | n/a | 0.2% | |
Armed Forces Bank | $215,000 | n/a | 0.2% | |
JPMorgan Chase Bank | $115,000 | $205,000 | 78.3% | 0.2% |
PREMIA MORTGAGE, LLC | $205,000 | n/a | 0.2% | |
Barrington Bank & Trust Company, N.A. | $125,000 | $195,000 | 56.0% | 0.2% |
Servion, Inc. | $195,000 | n/a | 0.2% | |
Bankers' Bank | $980,000 | $180,000 | -81.6% | 0.2% |
Fidelity Bank | $180,000 | n/a | 0.2% | |
Citizens Bank | $175,000 | n/a | 0.2% | |
CoreFirst Bank & Trust | $545,000 | $175,000 | -67.9% | 0.2% |
Nations Lending Corporation | $105,000 | $175,000 | 66.7% | 0.2% |
PEOPLES STATE BANK | $85,000 | $175,000 | 105.9% | 0.2% |
Security National Bank of Omaha | $175,000 | n/a | 0.2% | |
Stride Bank | $175,000 | n/a | 0.2% | |
GNBank | $160,000 | n/a | 0.2% | |
ANDREWS FEDERAL CREDIT UNION | $155,000 | n/a | 0.1% | |
FREEDOM MORTGAGE CORPORATION | $1,380,000 | $155,000 | -88.8% | 0.1% |
PENTAGON FEDERAL CREDIT UNION | $155,000 | n/a | 0.1% | |
SUMMIT FUNDING, INC. | $665,000 | $155,000 | -76.7% | 0.1% |
ZILLOW HOME LOANS, LLC | $215,000 | $155,000 | -27.9% | 0.1% |
GOLDEN PLAINS | $25,000 | $145,000 | 480.0% | 0.1% |
ROYAL UNITED MORTGAGE LLC | $145,000 | n/a | 0.1% | |
MERITRUST Federal Credit Union | $480,000 | $140,000 | -70.8% | 0.1% |
COMMUNITY MORTGAGE, LLC | $545,000 | $135,000 | -75.2% | 0.1% |
Discover Bank | $35,000 | $125,000 | 257.1% | 0.1% |
First National Bank of America | $125,000 | n/a | 0.1% | |
HEARTLAND CREDIT UNION | $140,000 | $115,000 | -17.9% | 0.1% |
Coastal Community Bank | $105,000 | n/a | 0.1% | |
MORTGAGE SOLUTIONS OF COLORADO, LLC | $550,000 | $105,000 | -80.9% | 0.1% |
Figure Lending LLC | $145,000 | $100,000 | -31.0% | 0.1% |
Bell Bank | $480,000 | $95,000 | -80.2% | 0.1% |
SOUTHWEST STAGE FUNDING, LLC | $85,000 | n/a | 0.1% | |
COMMUNICATION | $65,000 | n/a | 0.1% | |
FIRST COMMUNITY MORTGAGE, INC. | $65,000 | n/a | 0.1% | |
Truity Federal Credit Union | $320,000 | $60,000 | -81.3% | 0.1% |
GREATER KC PUBLIC SAFETY CREDIT UNION | $45,000 | n/a | 0.0% | |
PNC Bank | $105,000 | $45,000 | -57.1% | 0.0% |
ATLANTA POSTAL | $35,000 | n/a | 0.0% |
Ottawa's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 7.1% market share. In second place, with 5.2%, is Mid-America Bank, having originated $5,405,000 in loans. In third place, with 5.2%, is QUICKEN LOANS, LLC, having originated $5,380,000 in loans. In fourth place, with 4.5%, is The Kansas State Bank, having originated $4,705,000 in loans. In fifth place, with 4.4%, is Central National Bank, having originated $4,615,000 in loans.
Ottawa Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Ottawa (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $137,500 (17.0%) | $216,257 (23.7%) | 0.00 | 70 |
2018-02-01 | $137,475 (10.1%) | $185,668 (0.4%) | 0.00 | 66 |
2018-03-01 | $139,750 (5.7%) | $179,713 (-10.0%) | 0.00 | 63 |
2018-04-01 | $147,500 (2.3%) | $187,838 (-9.7%) | 0.00 | 58 |
2018-05-01 | $169,000 (24.1%) | $208,289 (9.1%) | 0.00 | 64 |
2018-06-01 | $172,000 (36.9%) | $219,397 (2.4%) | 0.00 | 71 |
2018-07-01 | $169,938 (17.2%) | $215,736 (-2.1%) | 0.00 | 86 |
2018-08-01 | $166,500 (15.8%) | $209,636 (4.9%) | 0.00 | 88 |
2018-09-01 | $162,500 (12.1%) | $205,700 (-6.3%) | 0.00 | 101 |
2018-10-01 | $165,000 (10.6%) | $200,830 (-4.9%) | 0.00 | 101 |
2018-11-01 | $151,250 (1.5%) | $196,373 (-18.6%) | 0.00 | 102 |
2018-12-01 | $163,450 (17.7%) | $201,383 (-8.5%) | 0.00 | 96 |
2019-01-01 | $174,900 (27.2%) | $231,691 (7.1%) | 0.00 | 83 |
2019-02-01 | $175,000 (27.3%) | $210,814 (13.5%) | 0.00 | 78 |
2019-03-01 | $180,286 (29.0%) | $215,099 (19.7%) | 0.00 | 67 |
2019-04-01 | $195,000 (32.2%) | $230,098 (22.5%) | 0.00 | 54 |
2019-05-01 | $185,000 (9.5%) | $229,447 (10.2%) | 0.00 | 58 |
2019-06-01 | $189,000 (9.9%) | $247,331 (12.7%) | 0.00 | 66 |
2019-07-01 | $190,000 (11.8%) | $236,276 (9.5%) | 0.00 | 62 |
2019-08-01 | $182,850 (9.8%) | $238,273 (13.7%) | 0.00 | 64 |
2019-09-01 | $173,625 (6.9%) | $231,174 (12.4%) | 0.00 | 69 |
2019-10-01 | $167,175 (1.3%) | $226,441 (12.8%) | 0.00 | 74 |
2019-11-01 | $159,900 (5.7%) | $219,277 (11.7%) | 0.00 | 77 |
2019-12-01 | $165,875 (1.5%) | $219,044 (8.8%) | 0.00 | 69 |
2020-01-01 | $159,975 (-8.5%) | $222,422 (-4.0%) | 0.00 | 67 |
2020-02-01 | $155,000 (-11.4%) | $226,303 (7.4%) | 0.00 | 61 |
2020-03-01 | $180,450 (0.1%) | $231,782 (7.8%) | 0.00 | 58 |
2020-04-01 | $203,463 (4.3%) | $258,566 (12.4%) | 0.00 | 54 |
2020-05-01 | $227,000 (22.7%) | $267,176 (16.4%) | 0.00 | 46 |
2020-06-01 | $177,725 (-6.0%) | $291,207 (17.7%) | 0.00 | 46 |
2020-07-01 | $216,000 (13.7%) | $365,817 (54.8%) | 0.00 | 38 |
2020-08-01 | $210,000 (14.9%) | $366,543 (53.8%) | 0.00 | 40 |
2020-09-01 | $278,500 (60.4%) | $392,959 (70.0%) | 0.00 | 35 |
2020-10-01 | $262,000 (56.7%) | $341,913 (51.0%) | 0.00 | 47 |
2020-11-01 | $214,725 (34.3%) | $314,985 (43.7%) | 0.00 | 51 |
2020-12-01 | $176,625 (6.5%) | $292,785 (33.7%) | 0.00 | 42 |
2021-01-01 | $177,000 (10.6%) | $298,010 (34.0%) | 0.00 | 30 |
2021-02-01 | $153,250 (-1.1%) | $246,897 (9.1%) | 0.00 | 34 |
2021-03-01 | $150,500 (-16.6%) | $240,593 (3.8%) | 0.00 | 24 |
2021-04-01 | $189,575 (-6.8%) | $294,844 (14.0%) | 0.00 | 20 |
2021-05-01 | $165,000 (-27.3%) | $275,515 (3.1%) | 0.00 | 27 |
2021-06-01 | $172,500 (-2.9%) | $265,686 (-8.8%) | 0.00 | 35 |
2021-07-01 | $187,500 (-13.2%) | $262,704 (-28.2%) | 0.00 | 40 |
2021-08-01 | $187,100 (-10.9%) | $269,210 (-26.6%) | 0.00 | 43 |
2021-09-01 | $156,175 (-43.9%) | $249,748 (-36.4%) | 0.00 | 47 |
2021-10-01 | $189,900 (-27.5%) | $235,114 (-31.2%) | 0.00 | 49 |
2021-11-01 | $182,225 (-15.1%) | $222,867 (-29.3%) | 0.00 | 32 |
2021-12-01 | $184,975 (4.7%) | $245,790 (-16.1%) | 0.00 | 34 |
2022-01-01 | $219,450 (24.0%) | $253,834 (-14.8%) | 0.00 | 16 |
2022-02-01 | $232,225 (51.5%) | $269,689 (9.2%) | 0.00 | 21 |
2022-03-01 | $197,100 (31.0%) | $254,649 (5.8%) | 0.00 | 23 |
2022-04-01 | $190,000 (0.2%) | $287,181 (-2.6%) | 0.00 | 20 |
2022-05-01 | $191,250 (15.9%) | $266,039 (-3.4%) | 0.00 | 29 |
2022-06-01 | $204,750 (18.7%) | $285,478 (7.5%) | 0.00 | 38 |
2022-07-01 | $240,000 (28.0%) | $301,986 (15.0%) | 0.00 | 43 |
2022-08-01 | $204,950 (9.5%) | $286,193 (6.3%) | 0.00 | 56 |
2022-09-01 | $197,000 (26.1%) | $272,642 (9.2%) | 0.00 | 55 |
2022-10-01 | $189,750 (-0.1%) | $267,253 (13.7%) | 0.00 | 50 |
2022-11-01 | $219,125 (20.3%) | $264,514 (18.7%) | 0.00 | 53 |
2022-12-01 | $222,500 (20.3%) | $266,065 (8.3%) | 0.00 | 47 |
2023-01-01 | $228,000 (3.9%) | $263,197 (3.7%) | 0.00 | 39 |
2023-02-01 | $224,600 (-3.3%) | $261,787 (-2.9%) | 0.00 | 39 |
2023-03-01 | $224,200 (13.8%) | $277,330 (8.9%) | 0.00 | 30 |
2023-04-01 | $248,700 (30.9%) | $270,803 (-5.7%) | 0.00 | 30 |
2023-05-01 | $232,450 (21.5%) | $270,094 (1.5%) | 0.00 | 31 |
2023-06-01 | $228,725 (11.7%) | $288,369 (1.0%) | 0.00 | 39 |
2023-07-01 | $229,700 (-4.3%) | $320,285 (6.1%) | 0.00 | 38 |
2023-08-01 | $234,475 (14.4%) | $328,026 (14.6%) | 0.00 | 51 |
2023-09-01 | $232,250 (17.9%) | $322,679 (18.4%) | 0.00 | 51 |
2023-10-01 | $290,988 (53.4%) | $365,441 (36.7%) | 0.00 | 55 |
2023-11-01 | $259,550 (18.5%) | $343,198 (29.8%) | 0.00 | 55 |
2023-12-01 | $277,000 (24.5%) | $356,445 (34.0%) | 0.00 | 48 |
2024-01-01 | $305,875 (34.2%) | $379,659 (44.3%) | 0.00 | 40 |
2024-02-01 | $299,500 (33.4%) | $375,545 (43.5%) | 0.00 | 41 |
2024-03-01 | $271,600 (21.1%) | $375,674 (35.5%) | 0.00 | 37 |
2024-04-01 | $263,300 (5.9%) | $352,025 (30.0%) | 0.00 | 37 |
2024-05-01 | $233,750 (0.6%) | $330,516 (22.4%) | 0.00 | 41 |
2024-06-01 | $275,000 (20.2%) | $304,353 (5.5%) | 0.00 | 41 |
2024-07-01 | $278,375 (21.2%) | $292,161 (-8.8%) | 0.00 | 37 |
2024-08-01 | $279,900 (19.4%) | $311,294 (-5.1%) | 0.00 | 37 |
2024-09-01 | $262,338 (13.0%) | $283,207 (-12.2%) | 0.00 | 43 |
Ottawa's median listing price comes in at 0% of the national average.
Ottawa's average listing price for 2024-09-01 was $283,207, a difference of $-39,472 (-12.2%) versus the prior year and $-28,087 versus the prior month.
For the 2024-09-01 period, Ottawa had 43 MLS listings, a difference of 6 listings (16%) versus the prior month and -8 listings (-16%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Ottawa (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,702 sqft |
2018-02-01 | 0 days | 1,666 sqft |
2018-03-01 | 0 days | 1,720 sqft |
2018-04-01 | 0 days | 1,647 sqft |
2018-05-01 | 0 days | 1,696 sqft |
2018-06-01 | 0 days | 1,692 sqft |
2018-07-01 | 0 days | 1,686 sqft |
2018-08-01 | 0 days | 1,559 sqft |
2018-09-01 | 0 days | 1,642 sqft |
2018-10-01 | 0 days | 1,537 sqft |
2018-11-01 | 0 days | 1,505 sqft |
2018-12-01 | 0 days | 1,676 sqft |
2019-01-01 | 0 days | 1,754 sqft |
2019-02-01 | 0 days | 1,825 sqft |
2019-03-01 | 0 days | 1,798 sqft |
2019-04-01 | 0 days | 1,814 sqft |
2019-05-01 | 0 days | 1,827 sqft |
2019-06-01 | 0 days | 1,659 sqft |
2019-07-01 | 0 days | 1,598 sqft |
2019-08-01 | 0 days | 1,598 sqft |
2019-09-01 | 0 days | 1,583 sqft |
2019-10-01 | 0 days | 1,594 sqft |
2019-11-01 | 0 days | 1,613 sqft |
2019-12-01 | 0 days | 1,654 sqft |
2020-01-01 | 0 days | 1,587 sqft |
2020-02-01 | 0 days | 1,638 sqft |
2020-03-01 | 0 days | 1,712 sqft |
2020-04-01 | 0 days | 1,786 sqft |
2020-05-01 | 0 days | 1,728 sqft |
2020-06-01 | 0 days | 1,691 sqft |
2020-07-01 | 0 days | 1,732 sqft |
2020-08-01 | 0 days | 1,745 sqft |
2020-09-01 | 0 days | 1,863 sqft |
2020-10-01 | 0 days | 1,836 sqft |
2020-11-01 | 0 days | 1,856 sqft |
2020-12-01 | 0 days | 1,791 sqft |
2021-01-01 | 0 days | 1,680 sqft |
2021-02-01 | 0 days | 1,688 sqft |
2021-03-01 | 0 days | 1,450 sqft |
2021-04-01 | 0 days | 1,625 sqft |
2021-05-01 | 0 days | 1,625 sqft |
2021-06-01 | 0 days | 1,521 sqft |
2021-07-01 | 0 days | 1,603 sqft |
2021-08-01 | 0 days | 1,557 sqft |
2021-09-01 | 0 days | 1,446 sqft |
2021-10-01 | 0 days | 1,508 sqft |
2021-11-01 | 0 days | 1,524 sqft |
2021-12-01 | 0 days | 1,392 sqft |
2022-01-01 | 0 days | 1,300 sqft |
2022-02-01 | 0 days | 1,329 sqft |
2022-03-01 | 0 days | 1,487 sqft |
2022-04-01 | 0 days | 1,504 sqft |
2022-05-01 | 0 days | 1,407 sqft |
2022-06-01 | 0 days | 1,559 sqft |
2022-07-01 | 0 days | 1,656 sqft |
2022-08-01 | 0 days | 1,414 sqft |
2022-09-01 | 0 days | 1,405 sqft |
2022-10-01 | 0 days | 1,428 sqft |
2022-11-01 | 0 days | 1,523 sqft |
2022-12-01 | 0 days | 1,560 sqft |
2023-01-01 | 0 days | 1,528 sqft |
2023-02-01 | 0 days | 1,447 sqft |
2023-03-01 | 0 days | 1,575 sqft |
2023-04-01 | 0 days | 1,536 sqft |
2023-05-01 | 0 days | 1,886 sqft |
2023-06-01 | 0 days | 1,628 sqft |
2023-07-01 | 0 days | 1,828 sqft |
2023-08-01 | 0 days | 1,790 sqft |
2023-09-01 | 0 days | 1,792 sqft |
2023-10-01 | 0 days | 1,848 sqft |
2023-11-01 | 0 days | 1,844 sqft |
2023-12-01 | 0 days | 1,846 sqft |
2024-01-01 | 0 days | 1,807 sqft |
2024-02-01 | 0 days | 1,872 sqft |
2024-03-01 | 0 days | 1,874 sqft |
2024-04-01 | 0 days | 1,919 sqft |
2024-05-01 | 0 days | 1,791 sqft |
2024-06-01 | 0 days | 1,520 sqft |
2024-07-01 | 0 days | 1,553 sqft |
2024-08-01 | 0 days | 1,760 sqft |
2024-09-01 | 0 days | 1,641 sqft |
Ottawa's median square footage for active listings during the 2024-09-01 period was 1,641 sqft. One year prior, the average listing was 1,792 sqft.
Ottawa, KS Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 318 | $72,230,000 | $227,138 |
Cash Out Refi | 65 | $11,675,000 | $179,615 |
Refi | 54 | $10,350,000 | $191,667 |
Other | 41 | $2,695,000 | $65,732 |
Home Improvement | 39 | $6,885,000 | $176,538 |
Ottawa's most frequently cited loan purpose was Home Purchase, with 318 originations. The 2nd most popular reason was Cash Out Refi, with 65 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
6-7% | 190 | $40,940,000 | $215,474 |
7-8% | 124 | $28,210,000 | $227,500 |
Over 8% | 73 | $7,025,000 | $96,233 |
5-6% | 57 | $12,005,000 | $210,614 |
4-5% | 6 | $4,780,000 | $796,667 |
<2.5% | 1 | $155,000 | $155,000 |
3-4% | 1 | $175,000 | $175,000 |
During 2023, Ottawa's most frequently originated rate bucket was 6-7%, with 190 originations.
Loan Sizing (Ottawa, KS MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100k-200k | 215 | $32,545,000 | $151,372 |
$200k-400k | 140 | $37,830,000 | $270,214 |
$100,000 or less | 127 | $6,835,000 | $53,819 |
$400k-600k | 25 | $11,945,000 | $477,800 |
$600k-1000k | 6 | $4,460,000 | $743,333 |
$Over $1MM | 4 | $10,220,000 | $2,555,000 |
Ottawa's loan sizing saw the bucket of loans from $100k-200k with 215 originations, totaling $32,545,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 224 | $46,470,000 | $207,455 |
60-80% | 88 | $31,150,000 | $353,977 |
20-40% | 48 | $4,470,000 | $93,125 |
Under 20% | 48 | $2,120,000 | $44,167 |
40-60% | 31 | $5,115,000 | $165,000 |
Over 100% | 12 | $3,790,000 | $315,833 |
Ottawa's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 224 originations, totaling $46,470,000 in origination value.