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 7.04% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 6.85% and one month ago for the week of 2024-10-10, the average rate was 6.48%.

    Ottawa's average rate one year ago was 7.76%.

    For refis of the same type during the week of 2024-11-14, the average rate was 6.88%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Ottawa 30 Year Fixed Rate 2024-11-14 7.04%
    Ottawa 30 Year Fixed Rate Refi 2024-11-14 6.88%
    Ottawa 15 Year Fixed Rate 2024-11-14 6.09%
    Ottawa 15 Year Fixed Rate Refi 2024-11-14 5.99%
    Ottawa 30 Year FHA 2024-11-14 0%
    Ottawa 30 Year FHA Refi 2024-11-14 -0.1%
    Ottawa 30 Year USDA 2024-11-14 0.1%
    Ottawa 30 Year USDA Refi 2024-11-14 0%
    Ottawa 30 Year VA 2024-11-14 -0.2%
    Ottawa 30 Year VA Refi 2024-11-14 -0.2%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 6.90% $2,861
    Mid-America Bank 15 7.03% $2,013
    QUICKEN LOANS, LLC 14 6.85% $4,633
    Arvest Bank 11 6.65% $3,934
    NBH Bank 8 6.65% $3,398
    Oakstar Bank 8 6.30% $1,996
    MOVEMENT MORTGAGE, LLC 8 6.57% $2,781
    UNITED WHOLESALE MORTGAGE, LLC 7 7.18% $3,033
    COMMUNITYAMERICA 6 6.58% $3,161
    First Bank 5 6.28% $3,249
    Prosperity Home Mortgage, LLC 4 6.69% $2,941
    BMO Harris Bank 4 6.66% $3,344
    SUCCESS MORTGAGE PARTNERS, INC. 4 6.66% $5,021
    Farm Credit Mid-America, ACA 4 7.06% $4,989
    UNION HOME MORTGAGE CORP. 4 7.28% $3,038
    The Central Trust Bank 4 6.50% $3,040
    Landmark National Bank 4 6.28% $2,375
    Great Southern Bank 3 5.92% $2,203
    CALIBER HOME LOANS, INC. 3 7.08% $5,738
    Flagstar Bank, FSB 3 6.91% $1,858
    AMERISAVE MORTGAGE CORPORATION 2 7.19% $7,157
    CHURCHILL MORTGAGE CORPORATION 2 6.69% $5,888
    Commerce Bank 2 6.31% $2,229
    DAS Acquisition Company, LLC 2 7.00% $5,392
    DELMAR FINANCIAL COMPANY 2 6.25% $2,376
    FLAT BRANCH MORTGAGE, INC. 2 6.49% $3,429
    HALLMARK HOME MORTGAGE, LLC 2 6.50% $6,542
    MID AMERICA MORTGAGE, INC. 2 7.19% $2,785
    Mr. Cooper ( Nationstar Mortgage ) 2 6.81% $6,425
    NBKC BANK 2 7.13% $1,490
    NEWREZ LLC 2 7.75% $3,990
    Plains Commerce Bank 2 6.56% $6,313
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.63% $3,797
    USAA Federal Savings Bank 2 6.44% $6,076
    Waterstone Mortgage Corporation 2 7.69% $3,069
    LEADERONE FINANCIAL CORPORATION 1 6.50% $3,105
    LOANDEPOT.COM, LLC 1 6.63% $11,180
    MERITRUST Federal Credit Union 1 6.25% $2,364
    Envista Credit Union 1 7.25% $2,359
    Union Bank and Trust Company 1 6.88% $4,017
    Mortgage Investment Services Corporation 1 7.25% $2,711
    ENDEAVOR CAPITAL, LLC. 1 5.88% $3,908
    Bankers' Bank 1 6.63% $3,350
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $5,504
    Discover Bank 1 9.74% $0
    Armed Forces Bank 1 7.38% $2,499
    Neighborhood Loans, Inc. 1 6.75% $4,747
    Wells Fargo Bank 1 8.13% $4,163
    Community National Bank & Trust 1 7.38% $325
    OPEN MORTGAGE, LLC 1 6.13% $8,665
    PENTAGON FEDERAL CREDIT UNION 1 5.88% $3,037
    U.S. Bank 1 6.13% $1,973
    PREMIA MORTGAGE, LLC 1 6.08% $0
    ZILLOW HOME LOANS, LLC 1 6.88% $7,959
    COMMUNITY MORTGAGE, LLC 1 6.25% $2,749
    Citizens Bank 1 6.75% $10,112
    Sierra Pacific Mortgage Company, Inc. 1 8.50% $4,819
    BROKER SOLUTIONS, INC. 1 7.63% $3,604
    SUN WEST MORTGAGE COMPANY, INC. 1 6.63% $4,199
    First State Bank of St. Charles, Missouri 1 7.25% $2,233
    First National Bank of America 1 10.75% $7,010
    Bell Bank 1 7.49% $2,710
    FRONTIER COMMUNITY CREDIT UNION 1 7.63% $2,856
    GOLDEN PLAINS 1 6.88% $1,620
    First Federal Bank of Kansas City 1 7.13% $6,844
    TruHome Solutions, LLC 1 6.88% $3,582
    Intrust Bank 1 5.75% $2,243
    JPMorgan Chase Bank 1 8.13% $1,412
    FIRST COMMUNITY MORTGAGE, INC. 1 8.00% $3,439

    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. 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 $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
    2024-10-01 $270,500 (-7.0%) $285,398 (-21.9%) 0.00 45
    Ottawa's median listing price for 2024-10-01 was $270,500, a difference of $-20,488 (-7.0%) versus the prior year and $8,162 versus the prior month.

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

    Ottawa's average listing price for 2024-10-01 was $285,398, a difference of $-80,043 (-21.9%) versus the prior year and $2,191 versus the prior month.

    For the 2024-10-01 period, Ottawa had 45 MLS listings, a difference of 2 listings (5%) versus the prior month and -10 listings (-18%) 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 1,702 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
    2024-10-01 0 days 1,717 sqft
    Ottawa's median listing age (time on market) for 2024-10-01 was 0 days.

    Ottawa's median square footage for active listings during the 2024-10-01 period was 1,717 sqft. One year prior, the average listing was 1,848 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.