Mortgage lending in Lawrence, KS
2,242 mortgages were originated in the Lawrence, KS area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,242
- Median rate
- 6.750%
- Median lender fees
- $2,965
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $225,000
- Above the going rate (spread over APOR)
- 0.273
- Paid discount points
- 25.9%
- Received lender credits
- 16.6%
- Purchases / refinances
- 54.6% / 28.8%
- Conventional / FHA / VA
- 85.5% / 7.4% / 7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 70.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Lawrence, KS area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Mid-America Bank | 219 | $2,209 | 7.000% |
| Rocket Mortgage, LLC | 209 | $5,023 | 6.490% |
| Fairway Independent Mortgage Corporation | 123 | $2,713 | 6.875% |
| Truity Federal Credit Union | 94 | $2,284 | 6.500% |
| Capitol Federal Savings Bank | 82 | — | 6.938% |
| United Shore Financial Services, LLC | 61 | $7,140 | 6.125% |
| Bell Bank | 60 | $3,469 | 6.625% |
| Envista Credit Union | 57 | — | 7.150% |
| Great American Bank | 54 | — | — |