Ottawa 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 Ottawa averaged 6.96% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.87% and one month ago for the week of 2025-02-27, the average rate was 7.08%.

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

    For refis of the same type during the week of 2025-04-03, the average rate was 7.24%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Ottawa 30 Year Fixed Rate 2025-04-03 6.96%
    Ottawa 30 Year Fixed Rate Refi 2025-04-03 7.24%
    Ottawa 15 Year Fixed Rate 2025-04-03 5.62%
    Ottawa 15 Year Fixed Rate Refi 2025-04-03 6.22%
    Ottawa 30 Year FHA 2025-04-03 6.36%
    Ottawa 30 Year FHA Refi 2025-04-03 6.46%
    Ottawa 30 Year USDA 2025-04-03 6.42%
    Ottawa 30 Year USDA Refi 2025-04-03 6.22%
    Ottawa 30 Year VA 2025-04-03 6.06%
    Ottawa 30 Year VA Refi 2025-04-03 6.06%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Ottawa, KS.

    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.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 35 6.85% $4,617
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 6.65% $4,743
    Mid-America Bank 12 7.14% $2,130
    COMMUNITYAMERICA 12 6.64% $2,860
    NEWREZ LLC 10 7.04% $4,170
    UNITED WHOLESALE MORTGAGE, LLC 8 7.11% $3,831
    Oakstar Bank 7 6.66% $2,294
    FLAT BRANCH MORTGAGE, INC. 7 6.96% $5,490
    NBH Bank 6 6.69% $2,276
    Arvest Bank 6 6.85% $3,121
    MOVEMENT MORTGAGE, LLC 6 6.83% $4,037
    Wells Fargo Bank 4 7.19% $4,777
    The Central Trust Bank 4 6.81% $2,551
    CROSSCOUNTRY MORTGAGE, LLC 4 6.99% $3,449
    Prosperity Home Mortgage, LLC 4 7.19% $3,281
    Capitol Federal Savings Bank 4 6.53% $2,452
    Farm Credit Mid-America, ACA 3 7.21% $6,286
    Mortgage Investment Services Corporation 3 6.92% $2,564
    First Bank 3 6.54% $3,043
    NBKC BANK 3 6.46% $1,952
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 7.50% $3,623
    BMO Harris Bank 3 6.83% $3,753
    HALLMARK HOME MORTGAGE, LLC 3 7.25% $5,473
    LEADERONE FINANCIAL CORPORATION 3 6.88% $7,792
    MAINSTREET FEDERAL CREDIT UNION 3 6.88% $5,088
    SUMMIT FUNDING, INC. 2 6.75% $4,268
    UNION HOME MORTGAGE CORP. 2 6.63% $3,896
    Flagstar Bank, FSB 2 6.25% $4,933
    U.S. Bank 2 7.00% $2,057
    Landmark National Bank 2 6.25% $3,216
    Mortgage Research Center, LLC 2 7.13% $2,585
    First State Bank of St. Charles, Missouri 2 7.13% $2,719
    ENDEAVOR CAPITAL, LLC. 2 6.75% $3,224
    COMMUNITY MORTGAGE, LLC 2 7.00% $3,300
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.74% $1,599
    Fidelity Bank 2 7.25% $2,654
    ZILLOW HOME LOANS, LLC 1 7.00% $3,111
    BAY EQUITY LLC 1 6.63% $2,836
    Bell Bank 1 6.13% $2,628
    BROKER SOLUTIONS, INC. 1 6.88% $5,341
    Central National Bank 1 6.88% $1,645
    Commerce Bank 1 6.63% $2,293
    CPM Federal Credit Union 1 5.99% $5,084
    First Horizon Bank 1 6.63% $2,754
    First National Bank of Omaha 1 7.13% $3,361
    FRONTIER COMMUNITY CREDIT UNION 1 7.25% $2,270
    GREATER KC PUBLIC SAFETY CREDIT UNION 1 6.13% $2,565
    Great Southern Bank 1 5.75% $2,637
    GUILD MORTGAGE COMPANY 1 7.63% $2,727
    JPMorgan Chase Bank 1 7.25% $2,550
    LOANDEPOT.COM, LLC 1 5.88% $7,229
    Mazuma Credit Union 1 7.00% $2,744
    Merchants Bank of Indiana 1 6.63% $2,971
    MID AMERICA MORTGAGE, INC. 1 6.63% $5,108
    Mr. Cooper ( Nationstar Mortgage ) 1 5.63% $6,869
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.50% $3,321
    NAVY FEDERAL CREDIT UNION 1 6.00% $4,820
    NFM, INC. 1 6.13% $2,713
    PENNYMAC LOAN SERVICES, LLC 1 6.62% $6,402
    ROYAL UNITED MORTGAGE LLC 1 6.88% $6,947
    S1L, Inc. 1 7.13% $10,064
    Sierra Pacific Mortgage Company, Inc. 1 7.50% $2,755
    Sunflower Bank 1 8.50% $5,817
    The Federal Savings Bank 1 7.13% $3,094
    TJC Mortgage, Inc. 1 7.00% $2,668
    Truity Federal Credit Union 1 6.38% $2,067
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.13% $8,081
    Waterstone Mortgage Corporation 1 6.13% $4,192
    AMERICAN FINANCIAL RESOURCES, INC. 1 5.88% $8,707

    Ottawa Average Closing Costs & Other Stats

    Ottawa, KS's 69 lenders originated 592 loans during 2024. The total origination value was $116,370,000, with an average loan value of $196,571.

    Ottawa's average closing costs are $4,166.

    The top Ottawa lender as defined by loan originations is QUICKEN LOANS, LLC, with 35 loans originated. Their average total fees are $4,617, which is $126 lower than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

    The lowest fee Ottawa lenders (with over 10 loans originated) are Mid-America Bank ($2,130), COMMUNITYAMERICA ($2,860), NEWREZ LLC ($4,170), QUICKEN LOANS, LLC ($4,617) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($4,743).

    The lowest rate Ottawa lenders (with over 10 loans originated) are COMMUNITYAMERICA (6.64%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.65%), QUICKEN LOANS, LLC (6.85%), NEWREZ LLC (7.04%) and Mid-America Bank (7.14%).

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    QUICKEN LOANS, LLC $5,380,000 $10,270,000 90.9% 8.8%
    Mid-America Bank $5,405,000 $5,940,000 9.9% 5.1%
    The Kansas State Bank $4,705,000 $5,155,000 9.6% 4.4%
    Central National Bank $4,615,000 $4,890,000 6.0% 4.2%
    Oakstar Bank $3,185,000 $4,840,000 52.0% 4.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $7,370,000 $4,645,000 -37.0% 4.0%
    NEWREZ LLC $1,350,000 $4,410,000 226.7% 3.8%
    FLAT BRANCH MORTGAGE, INC. $1,045,000 $3,750,000 258.9% 3.2%
    Mortgage Research Center, LLC $1,335,000 $3,545,000 165.5% 3.0%
    COMMUNITYAMERICA $2,285,000 $3,335,000 46.0% 2.9%
    UNITED WHOLESALE MORTGAGE, LLC $1,815,000 $2,600,000 43.3% 2.2%
    Farm Credit Mid-America, ACA $830,000 $2,570,000 209.6% 2.2%
    Arvest Bank $4,555,000 $2,275,000 -50.1% 2.0%
    LEADERONE FINANCIAL CORPORATION $700,000 $2,180,000 211.4% 1.9%
    Mortgage Investment Services Corporation $455,000 $2,150,000 372.5% 1.8%
    FREEDOM MORTGAGE CORPORATION $155,000 $2,105,000 1,258.1% 1.8%
    Landmark National Bank $770,000 $2,010,000 161.0% 1.7%
    MOVEMENT MORTGAGE, LLC $1,870,000 $1,790,000 -4.3% 1.5%
    CROSSCOUNTRY MORTGAGE, LLC $375,000 $1,690,000 350.7% 1.5%
    Capitol Federal Savings Bank $1,595,000 $1,520,000 -4.7% 1.3%
    NBH Bank $3,335,000 $1,445,000 -56.7% 1.2%
    The Central Trust Bank $2,565,000 $1,405,000 -45.2% 1.2%
    Prosperity Home Mortgage, LLC $1,045,000 $1,185,000 13.4% 1.0%
    Waterstone Mortgage Corporation $425,000 $1,175,000 176.5% 1.0%
    MAINSTREET FEDERAL CREDIT UNION $265,000 $1,165,000 339.6% 1.0%
    SUCCESS MORTGAGE PARTNERS, INC. $2,170,000 $1,095,000 -49.5% 0.9%
    PATRIOTS BANK $930,000 $1,080,000 16.1% 0.9%
    NBKC BANK $825,000 $1,060,000 28.5% 0.9%
    LAKEVIEW LOAN SERVICING, LLC $1,045,000 n/a 0.9%
    LOANDEPOT.COM, LLC $760,000 $1,000,000 31.6% 0.9%
    PENNYMAC LOAN SERVICES, LLC $1,250,000 $1,000,000 -20.0% 0.9%
    HALLMARK HOME MORTGAGE, LLC $1,015,000 $995,000 -2.0% 0.9%
    Mr. Cooper ( Nationstar Mortgage ) $820,000 $925,000 12.8% 0.8%
    Stride Bank $175,000 $920,000 425.7% 0.8%
    GUILD MORTGAGE COMPANY $880,000 n/a 0.8%
    Fidelity Bank $180,000 $870,000 383.3% 0.7%
    UNION HOME MORTGAGE CORP. $845,000 $825,000 -2.4% 0.7%
    First State Bank of St. Charles, Missouri $1,045,000 $820,000 -21.5% 0.7%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $495,000 $795,000 60.6% 0.7%
    Wells Fargo Bank $565,000 $790,000 39.8% 0.7%
    ENDEAVOR CAPITAL, LLC. $645,000 $760,000 17.8% 0.7%
    First Bank $2,170,000 $705,000 -67.5% 0.6%
    USAA Federal Savings Bank $470,000 $705,000 50.0% 0.6%
    U.S. Bank $315,000 $705,000 123.8% 0.6%
    NAVY FEDERAL CREDIT UNION $295,000 $700,000 137.3% 0.6%
    FIRST COMMUNITY MORTGAGE, INC. $65,000 $635,000 876.9% 0.5%
    Mutual Savings Association $630,000 n/a 0.5%
    LENDINGHOME FUNDING CORPORATION $625,000 n/a 0.5%
    PLANET HOME LENDING, LLC $475,000 $625,000 31.6% 0.5%
    COMMUNITY MORTGAGE, LLC $135,000 $600,000 344.4% 0.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $590,000 n/a 0.5%
    Truity Federal Credit Union $60,000 $565,000 841.7% 0.5%
    First National Bank of Omaha $535,000 n/a 0.5%
    MID AMERICA MORTGAGE, INC. $475,000 $490,000 3.2% 0.4%
    BMO Harris Bank $1,125,000 $470,000 -58.2% 0.4%
    The Federal Savings Bank $455,000 n/a 0.4%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $430,000 n/a 0.4%
    S1L, Inc. $585,000 $415,000 -29.1% 0.4%
    Great Southern Bank $1,005,000 $400,000 -60.2% 0.3%
    NFM, INC. $395,000 n/a 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $325,000 $380,000 16.9% 0.3%
    Azura Credit Union $285,000 $375,000 31.6% 0.3%
    CPM Federal Credit Union $375,000 n/a 0.3%
    SUMMIT FUNDING, INC. $155,000 $370,000 138.7% 0.3%
    TJC Mortgage, Inc. $370,000 n/a 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $105,000 $345,000 228.6% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $600,000 $330,000 -45.0% 0.3%
    Bell Bank $95,000 $315,000 231.6% 0.3%
    LYNDON STATE BANK $1,315,000 $285,000 -78.3% 0.2%
    BAY EQUITY LLC $265,000 n/a 0.2%
    Gateway First Bank $265,000 n/a 0.2%
    GREATER KC PUBLIC SAFETY CREDIT UNION $45,000 $265,000 488.9% 0.2%
    Merchants Bank of Indiana $265,000 n/a 0.2%
    PROVIDENT FUNDING ASSOCIATES, L.P. $265,000 n/a 0.2%
    Discover Bank $125,000 $260,000 108.0% 0.2%
    JPMorgan Chase Bank $205,000 $255,000 24.4% 0.2%
    BOKF $245,000 n/a 0.2%
    First Horizon Bank $245,000 n/a 0.2%
    Intrust Bank $645,000 $245,000 -62.0% 0.2%
    Members Mortgage Services, L.L.C. $240,000 n/a 0.2%
    Country Club Bank $350,000 $235,000 -32.9% 0.2%
    The First Security Bank $375,000 $235,000 -37.3% 0.2%
    BROKER SOLUTIONS, INC. $240,000 $225,000 -6.3% 0.2%
    Figure Lending LLC $100,000 $225,000 125.0% 0.2%
    UMB Bank $200,000 n/a 0.2%
    Coastal Community Bank $105,000 $185,000 76.2% 0.2%
    FRONTIER COMMUNITY CREDIT UNION $455,000 $185,000 -59.3% 0.2%
    V.I.P. MORTGAGE, INC. $185,000 n/a 0.2%
    CARDINAL FINANCIAL $175,000 n/a 0.2%
    CoreFirst Bank & Trust $175,000 $175,000 0.0% 0.2%
    Mazuma Credit Union $175,000 n/a 0.2%
    Sunflower Bank $175,000 n/a 0.2%
    Flagstar Bank, FSB $575,000 $170,000 -70.4% 0.1%
    AMERISAVE MORTGAGE CORPORATION $575,000 $165,000 -71.3% 0.1%
    PREFERRED BANK $165,000 n/a 0.1%
    Bank of America $160,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $155,000 $155,000 0.0% 0.1%
    Commerce Bank $430,000 $135,000 -68.6% 0.1%
    JLB CORPORATION $135,000 n/a 0.1%
    LOANPAL, LLC $135,000 n/a 0.1%
    Equity Prime Mortgage LLC $255,000 $105,000 -58.8% 0.1%
    HEARTLAND CREDIT UNION $115,000 $90,000 -21.7% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $90,000 n/a 0.1%
    Community National Bank & Trust $485,000 $85,000 -82.5% 0.1%
    PNC Bank $45,000 $85,000 88.9% 0.1%
    Sierra Pacific Mortgage Company, Inc. $525,000 $85,000 -83.8% 0.1%
    Emprise Bank $80,000 n/a 0.1%
    COMMUNICATION $65,000 $75,000 15.4% 0.1%
    MERITRUST Federal Credit Union $140,000 $75,000 -46.4% 0.1%
    ROYAL UNITED MORTGAGE LLC $145,000 $75,000 -48.3% 0.1%
    Cedar Rapids Bank and Trust Company $65,000 n/a 0.1%
    Deere Employees Credit Union $65,000 n/a 0.1%
    SPRING EQ, LLC $55,000 n/a 0.0%
    Union Bank and Trust Company $415,000 $55,000 -86.7% 0.0%
    Envista Credit Union $580,000 $25,000 -95.7% 0.0%
    GOLDEN PLAINS $145,000 $25,000 -82.8% 0.0%

    Ottawa's top lender by overall market share is QUICKEN LOANS, LLC, with 8.8% market share. In second place, with 5.1%, is Mid-America Bank, having originated $5,940,000 in loans. In third place, with 4.4%, is The Kansas State Bank, having originated $5,155,000 in loans. In fourth place, with 4.2%, is Central National Bank, having originated $4,890,000 in loans. In fifth place, with 4.2%, is Oakstar Bank, having originated $4,840,000 in loans.

    Ottawa Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Ottawa (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 $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 $203,725 (8.9%) $269,757 (0.2%) 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 (15.1%) $328,026 (21.6%) 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%) $321,885 (19.2%) 0.00 41
    2024-06-01 $265,000 (15.9%) $299,744 (3.9%) 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
    2024-10-01 $270,500 (-7.0%) $285,398 (-21.9%) 0.00 45
    2024-11-01 $255,000 (-1.8%) $273,298 (-20.4%) 0.00 53
    2024-12-01 $244,950 (-11.6%) $266,975 (-25.1%) 0.00 50
    2025-01-01 $243,725 (-20.3%) $263,811 (-30.5%) 0.00 49
    2025-02-01 $232,375 (-22.4%) $269,414 (-28.3%) 0.00 45
    2025-03-01 $239,000 (-12.0%) $279,535 (-25.6%) 0.00 39
    Ottawa's median listing price for 2025-03-01 was $239,000, a difference of $-32,600 (-12.0%) versus the prior year and $6,625 versus the prior month.

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

    Ottawa's average listing price for 2025-03-01 was $279,535, a difference of $-96,139 (-25.6%) versus the prior year and $10,121 versus the prior month.

    For the 2025-03-01 period, Ottawa had 39 MLS listings, a difference of -6 listings (-13%) versus the prior month and 2 listings (5%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ottawa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,715 sqft
    2018-02-01 0 days 1,697 sqft
    2018-03-01 0 days 1,725 sqft
    2018-04-01 0 days 1,659 sqft
    2018-05-01 0 days 1,701 sqft
    2018-06-01 0 days 1,697 sqft
    2018-07-01 0 days 1,696 sqft
    2018-08-01 0 days 1,598 sqft
    2018-09-01 0 days 1,647 sqft
    2018-10-01 0 days 1,566 sqft
    2018-11-01 0 days 1,491 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 1,417 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 1,744 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
    2024-10-01 0 days 1,717 sqft
    2024-11-01 0 days 1,646 sqft
    2024-12-01 0 days 1,631 sqft
    2025-01-01 0 days 1,649 sqft
    2025-02-01 0 days 1,591 sqft
    2025-03-01 0 days 1,646 sqft
    Ottawa's median listing age (time on market) for 2025-03-01 was 0 days.

    Ottawa's median square footage for active listings during the 2025-03-01 period was 1,646 sqft. One year prior, the average listing was 1,874 sqft.

    Ottawa, KS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 362 $83,730,000 $231,298
    Cash Out Refi 89 $14,335,000 $161,067
    Refi 50 $10,910,000 $218,200
    Home Improvement 49 $5,225,000 $106,633
    Other 42 $2,170,000 $51,667

    Ottawa's most frequently cited loan purpose was Home Purchase, with 362 originations. The 2nd most popular reason was Cash Out Refi, with 89 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 257 $59,355,000 $230,953
    7-8% 121 $24,615,000 $203,430
    Over 8% 103 $10,435,000 $101,311
    5-6% 51 $11,945,000 $234,216
    4-5% 5 $955,000 $191,000
    <2.5% 4 $110,000 $27,500
    3-4% 1 $65,000 $65,000
    2.5-3% 1 $85,000 $85,000

    During 2024, Ottawa's most frequently originated rate bucket was 6-7%, with 257 originations.

    Loan Sizing (Ottawa, KS MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 196 $28,790,000 $146,888
    $200k-400k 193 $52,925,000 $274,223
    $100,000 or less 163 $9,315,000 $57,147
    $400k-600k 33 $15,315,000 $464,091
    $600k-1000k 4 $2,880,000 $720,000
    $Over $1MM 3 $7,145,000 $2,381,667

    Ottawa's loan sizing saw the bucket of loans from $100k-200k with 196 originations, totaling $28,790,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 251 $58,265,000 $232,131
    60-80% 110 $29,290,000 $266,273
    Under 20% 65 $2,595,000 $39,923
    20-40% 58 $5,680,000 $97,931
    40-60% 42 $7,360,000 $175,238
    Over 100% 9 $2,895,000 $321,667

    Ottawa's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 251 originations, totaling $58,265,000 in origination value.