☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Kansas / Lawrence

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Lawrence, Kansas

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Lawrence, Kansas mortgage lenders include Capitol Federal Savings BankCapitol Federal Savings Bank4505 W 6th St Ste B, Lawrence, KS 66049A+5.0 ★Texas Ratio: 5.21%, Great American BankGreat American Bank1400 Kasold Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 0.00%, NBH BankNBH Bank4831 W 6th St, Lawrence, KS 66049A+5.0 ★Texas Ratio: 2.90%, Sunflower Bank, N.A.Sunflower Bank, N.A.4831 Quail Crest Pl, Lawrence, KS 66049A5.0 ★Texas Ratio: 10.77%, US Bank, N.A.US Bank, N.A.3500 W 6th St, Lawrence, KS 66049A+5.0 ★Texas Ratio: 2.85%, Landmark National BankLandmark National Bank4621 W 6th St, Lawrence, KS 66049A+5.0 ★Texas Ratio: 5.97%, Commerce BankCommerce Bank1015 W 23rd St, Lawrence, KS 66046A+5.0 ★Texas Ratio: 0.89%, The Central Trust BankThe Central Trust Bank3101 S Iowa St, Lawrence, KS 66046A+5.0 ★Texas Ratio: 3.12%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2101 N Rock Rd, Derby, KS 67037A+5.0 ★Texas Ratio: 3.68%, and Umb Bank NAUmb Bank NA1441 Wakarusa Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 1.78%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Lawrence, Kansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lawrence are listed first, then lenders elsewhere in Kansas, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Lawrence, Kansas

Market share is the lender's share of all home loans closed in Lawrence, Kansas. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Capitol Federal Savings Bank 4 offices in Lawrence 4505 W 6th St Ste B, Lawrence, KS 66049 A+5.0 ★Texas Ratio: 5.21%	Conventional, VA, HELOC	39 +29 HELOCs	2.8%	86%	$235,000	View
Great American Bank 1 office in Lawrence 1400 Kasold Dr, Lawrence, KS 66049 A+5.0 ★Texas Ratio: 0.00%	Conventional, Jumbo	36	2.6%	94.7%	$286,388	View
NBH Bank 1 office in Lawrence 4831 W 6th St, Lawrence, KS 66049 A+5.0 ★Texas Ratio: 2.90%	Conventional, FHA, VA, HELOC	33 +1 HELOCs	2.4%	91.7%	$315,909	View
Sunflower Bank, N.A. 1 office in Lawrence 4831 Quail Crest Pl, Lawrence, KS 66049 A5.0 ★Texas Ratio: 10.77%	Conventional, FHA, VA	21	1.5%	84%	$255,952	View
US Bank, N.A. 3 offices in Lawrence 3500 W 6th St, Lawrence, KS 66049 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	20 +20 HELOCs	1.4%	64.5%	$311,000	View
Landmark National Bank 2 offices in Lawrence 4621 W 6th St, Lawrence, KS 66049 A+5.0 ★Texas Ratio: 5.97%	Conventional, FHA, Jumbo	17	1.2%	94.4%	$332,647	View
Commerce Bank 2 offices in Lawrence 1015 W 23rd St, Lawrence, KS 66046 A+5.0 ★Texas Ratio: 0.89%	Conventional, HELOC	16 +15 HELOCs	1.1%	66.7%	$204,375	View
The Central Trust Bank 5 offices in Lawrence 3101 S Iowa St, Lawrence, KS 66046 A+5.0 ★Texas Ratio: 3.12%	Conventional, FHA, VA, HELOC	12 +22 HELOCs	0.9%	85.7%	$320,833	View
JPMorgan Chase Bank, NA 1 office in Lawrence 2101 N Rock Rd, Derby, KS 67037 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	8 +1 HELOCs	0.6%	100%	$288,750	View
Umb Bank NA 1 office in Lawrence 1441 Wakarusa Dr, Lawrence, KS 66049 A+5.0 ★Texas Ratio: 1.78%	Conventional, VA, HELOC	7 +6 HELOCs	0.5%	77.8%	$185,000	View
Bank of America NA 2 offices in Lawrence 900 Ohio St, Lawrence, KS 66044 A+5.0 ★Texas Ratio: 3.98%	Conventional, HELOC	6 +13 HELOCs	0.4%	66.7%	$296,666	View
Rcb Bank 1 office in Lawrence 1201 Wakarusa Dr, Lawrence, KS 66049 A+5.0 ★Texas Ratio: 4.64%	Conventional	3	0.2%	75%	$88,333	View
Emprise Bank 1 office in Lawrence 1121 Wakarusa Dr, Lawrence, KS 66049 A+5.0 ★Texas Ratio: 3.11%	Conventional, HELOC	2 +11 HELOCs	0.1%	100%	$160,000	View
Central National Bank 4 offices in Lawrence 603 W 9th St, Lawrence, KS 66044 A+5.0 ★Texas Ratio: 0.14%	Conventional, VA	2	0.1%	100%	$225,000	View
Intrust Bank, NA 2 offices in Lawrence 901 Vermont St, Lawrence, KS 66044 A+5.0 ★Texas Ratio: 5.22%	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$105,000	View
Mid America Bank ★ 2 stars, 1 review 4114 W 6th St, Lawrence, KS 66049 A+5.0 ★Texas Ratio: 1.02%	Conventional, Jumbo	111	7.9%	99.1%	$320,315	View
Envista Federal Credit Union 1555 Wakarusa Dr, Lawrence, KS 66047 1803 A+5.0 ★Texas Ratio: 2.13%	Conventional, Jumbo, HELOC	31 +19 HELOCs	2.2%	79.1%	$200,483	View
First State Bank & Trust 609 Vermont St, Lawrence, KS 66044	Conventional	25	1.8%	89.7%	$258,600
Silver Lake Bank 4505 W 6th St, Lawrence, KS 66049 A+5.0 ★Texas Ratio: 0.02%	Conventional	24	1.7%	100%	$205,416	View
Mainstreet Federal Credit Union 901 Iowa St, Lawrence, KS 66044 1836 A+5.0 ★Texas Ratio: 4.02%	Conventional, HELOC	20 +6 HELOCs	1.4%	76.9%	$137,500	View
Meritrust Federal Credit Union 650 Congressional Dr, Lawrence, KS 66049 4869 A+5.0 ★Texas Ratio: 4.29%	Conventional, HELOC	11 +2 HELOCs	0.8%	91.7%	$192,272	View
Communityamerica Federal Credit Union 7714 State Ave, Kansas City, KS 66112	Conventional, VA, HELOC	8 +9 HELOCs	0.6%	100%	$318,750
Baldwin State Bank 112 8th St, Baldwin City, KS 66006 A+5.0 ★Texas Ratio: 0.15%	Conventional, Jumbo	6	0.4%	100%	$451,666	View
Wells Fargo Bank NA 2000 W 103rd St, Leawood, KS 66206 A+5.0 ★Texas Ratio: 5.36%	Conventional	6	0.4%	75%	$171,666	View
First Bank 6201 College Blvd, Overland Park, KS 66211 A+5.0 ★Texas Ratio: 2.49%	Conventional, FHA	5	0.4%	100%	$383,000	View
Community National Bank 15718 Pinehurst Dr, Basehor, KS 66007 A4.9 ★Texas Ratio: 9.62%	Conventional	5	0.4%	100%	$229,000	View
Arvest Bank 306 E Main St, Gardner, KS 66030 A5.0 ★Texas Ratio: 7.48%	Conventional, HELOC	4 +2 HELOCs	0.3%	80%	$445,000	View
The Kansas State Bank 602 Ames St, Baldwin City, KS 66006 A+5.0 ★Texas Ratio: 4.65%	Conventional	4	0.3%	100%	$307,500	View
Fidelity Bank 2542 N Rock Rd, Derby, KS 67037 A5.0 ★Texas Ratio: 12.33%	Conventional	3	0.2%	100%	$385,000	View
Farmers Bank & Trust 2001 Main St, Albert, KS 67511 A+5.0 ★Texas Ratio: 0.65%	Conventional	3	0.2%	100%	$401,666	View
Mid American Credit Union 550 N Wakarusa Dr, Lawrence, KS 66049 A+5.0 ★Texas Ratio: 4.51%	Conventional	3	0.2%	100%	$261,666	View
Mutual Savings Association 229 Oak St, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 3.48%	Conventional	3	0.2%	100%	$255,000	View
First National Bank of Omaha 2828 Shawnee Mission Pkwy, Fairway, KS 66205 A+5.0 ★Texas Ratio: 4.82%	Conventional, HELOC	2 +2 HELOCs	0.1%	66.7%	$490,000	View
Mazuma Credit Union 14275 W 135th St, Olathe, KS 66062 9427 A+5.0 ★Texas Ratio: 4.29%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$280,000	View
Golden Plains Credit Union 120 W 1st St, Ellsworth, KS 67439 3202 A+5.0 ★Texas Ratio: 5.93%	Conventional	2	0.1%	66.7%	$190,000	View
Academy Bank, N.A. 13010 Commercial Dr, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 5.08%	Conventional	2	0.1%	100%	$455,000	View
Union State Bank 700 N Summit St, Arkansas City, KS 67005 A+5.0 ★Texas Ratio: 1.08%	Conventional	2	0.1%	100%	$70,000	View
Pinnacle Bank 401 N Spruce St, Abilene, KS 67410 A+5.0 ★Texas Ratio: 1.45%	Conventional, FHA	2	0.1%	100%	$195,000	View
Gnbank, N.A. 501 E Washington St, Arma, KS 66712 A+5.0 ★Texas Ratio: 0.84%	Conventional	2	0.1%	100%	$165,000	View
Heartland Credit Union 103 S Kansas St, Haven, KS 67543 9261 A5.0 ★Texas Ratio: 9.12%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$195,000	View
Heritage Bank 600 S Kansas Ave, Topeka, KS 66603 C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0.1%	100%	$795,000	View
Bison State Bank 223 Main St, Bison, KS 67520 A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$275,000	View
Great Southern Bank 34102 Commerce Dr, De Soto, KS 66018 A+5.0 ★Texas Ratio: 1.55%	Conventional	1	0.1%	100%	$35,000	View
Community National Bank & Trust 500 N Summit St, Arkansas City, KS 67005 A5.0 ★Texas Ratio: 6.38%	Conventional	1	0.1%	100%	$25,000	View
Cornerstone Bank 9120 W 135th St, Overland Park, KS 66221 A+5.0 ★Texas Ratio: 0.47%	Conventional	1	0.1%	100%	$225,000	View
Armed Forces Bank, N.A. 320 Kansas Ave, Fort Leavenworth, KS 66027 A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$335,000	View
Adams Bank & Trust 1005 S Range Ave, Colby, KS 67701 A5.0 ★Texas Ratio: 10.02%	Conventional	1	0.1%	100%	$355,000	View
First Ciitizens Bank and Trust 7850 College Blvd, Overland Park, KS 66210 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	100%	$285,000	View
Kaw Valley Bank 1001 Sw Wanamaker Rd Ste A, Topeka, KS 66604 A+5.0 ★Texas Ratio: 0.03%	Conventional	1	0.1%	100%	$305,000	View
Peoples Bank and Trust Co 102 E Main St, Anthony, KS 67003 A5.0 ★Texas Ratio: 7.49%	Conventional	1	0.1%	100%	$305,000	View
Patriots Bank 840 E Main St, Gardner, KS 66030 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$525,000	View
First National Bank of Hutchinson 6206 N 247th St W, Andale, KS 67001 A+5.0 ★Texas Ratio: 2.58%	Conventional	1	0.1%	100%	$275,000	View
Union State Bank of Everest 701 Kansas Ave, Atchison, KS 66002 A5.0 ★Texas Ratio: 7.97%	Conventional	1	0.1%	100%	$145,000	View
ESB Financial 801 Merchant St, Emporia, KS 66801 A5.0 ★Texas Ratio: 13.44%	Conventional	1	0.1%	100%	$395,000	View
The First Security Bank 530 Main St, Carbondale, KS 66414	Conventional	1	0.1%	100%	$405,000
OakStar Bank ★ 5 stars, 1 review 10950 Parallel Pkwy, Kansas City, KS 66109 A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$265,000	View
Bokf NA 12112 Metcalf Ave, Overland Park, KS 66213 A+5.0 ★Texas Ratio: 1.05%	HELOC	0 +3 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 10851 Mastin St, Overland Park, KS 66210 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +3 HELOCs	0%	n/a		View
Azura Credit Union 8550 Quivira RD, Lenexa, KS 66215 A+5.0 ★Texas Ratio: 4.29%	HELOC	0 +2 HELOCs	0%	0%		View
Equity Bank 500 Main St, Almena, KS 67622 A5.0 ★Texas Ratio: 6.60%	HELOC	0 +1 HELOCs	0%	n/a		View
CoreFirst Bank & Trust 16201 W 95th St, Lenexa, KS 66219 B+4.1 ★Texas Ratio: 2.49%	HELOC	0 +1 HELOCs	0%	n/a		View
BMO Harris Bank NA 1420 Ohio St, Augusta, KS 67010 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +1 HELOCs	0%	0%		View
M Squared Financial LLC	Conventional, FHA, VA	29	2.1%	90.6%	$296,724
Leaderone Financial Corp.	Conventional, FHA	4	0.3%	100%	$272,500
Frontier Community Credit Unio	Conventional	2	0.1%	100%	$70,000
TruHome Solutions, LLC	Conventional	1	0.1%	100%	$275,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo	167	12%	89.2%	$256,257
Fairway Independent Mort Corp	Conventional, FHA, VA	89	6.4%	97.8%	$316,910
Truity Federal Credit Union A5.0 ★Texas Ratio: 6.19%	Conventional, Jumbo	73	5.2%	92.5%	$252,671	View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, Jumbo	49	3.5%	96.1%	$305,204	View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	44 +1 HELOCs	3.1%	94%	$317,272
Pennymac Loan Services LLC	Conventional, FHA, VA	31	2.2%	91.4%	$284,032
Primelending	Conventional, FHA, VA	23	1.6%	96%	$298,043
Nationstar Mortgage	Conventional, FHA, VA	23	1.6%	96%	$140,217
Movement Mortgage, LLC	Conventional, VA	21	1.5%	100%	$286,904
Zippy Loans, LLC	Conventional	19	1.4%	38.8%	$39,736
Mortgage Research Center	Conventional, VA	17	1.2%	73.9%	$329,117
Newrez LLC	Conventional, FHA, VA	13	0.9%	86.7%	$222,692
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo	13	0.9%	86.7%	$305,000	View
Freedom Mortgage Corporation	Conventional, FHA, VA	11	0.8%	85.7%	$317,727
Nbkc Bank A+5.0 ★Texas Ratio: 3.61%	Conventional, FHA, VA	11	0.8%	84.6%	$363,181	View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	10 +1 HELOCs	0.7%	68.8%	$190,000
Premier Members Credit Union	Conventional, HELOC	9 +1 HELOCs	0.6%	90%	$238,333
New American Funding, LLC.	Conventional, FHA	9	0.6%	90%	$198,333
Guild Mortgage Company	Conventional, FHA, VA	8	0.6%	100%	$250,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	8	0.6%	53.3%	$276,250	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	7 +3 HELOCs	0.5%	87.5%	$462,142
Flat Branch Mortgage, Inc.	Conventional, VA	7	0.5%	100%	$237,857
Triad Financial Services, Inc.	Conventional	6	0.4%	86.7%	$51,666
Discover Bank	Conventional	6	0.4%	50%	$101,666
Union Home Mortgage Corp.	Conventional	6	0.4%	100%	$385,000
Spring Eq, LLC	Conventional, HELOC	5 +3 HELOCs	0.4%	58.3%	$37,000
Prosperity Home Mortgage, LLC	Conventional, VA	5	0.4%	100%	$467,000
Mutual of Omaha Mortgage	Conventional, FHA	5	0.4%	71.4%	$205,000
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	4 +2 HELOCs	0.3%	80%	$220,000
Amerisave Mortgage Company	Conventional, FHA	4	0.3%	26.7%	$152,500
Farm Credit Mid-America, Aca	Conventional	4	0.3%	100%	$410,000
21St Mortgage	Conventional	4	0.3%	25%	$57,500
Plaza Home Mortgage, Inc	Conventional, FHA	4	0.3%	100%	$465,000
The Loan Store, Inc	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$188,333
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	Conventional	3	0.2%	100%	$195,000	View
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	3	0.2%	100%	$265,000	View
Sun West Mortgage Company, Inc	Conventional, VA	3	0.2%	100%	$351,666
Community Mortgage, LLC	Conventional	3	0.2%	100%	$258,333
Click n' Close, Inc.	Conventional, FHA, VA	3	0.2%	100%	$241,666
Weichert Financial Services	Conventional	3	0.2%	100%	$401,666
T2 Financial LLC	Conventional, FHA	3	0.2%	100%	$241,666
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	3	0.2%	66.7%	$258,333	View
Carrington Mortgage Services LLC	Conventional, VA	3	0.2%	57.1%	$168,333
CrossCountry Mortgage, LLC	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$320,000
Alliant Credit Union	Conventional, VA	2	0.1%	100%	$325,000
American Financial Resources LLC	Conventional, FHA	2	0.1%	100%	$220,000
Goodleap, LLC	Conventional	2	0.1%	100%	$115,000
Lakeview Loan Servicing, LLC	FHA	2	0.1%	23.1%	$270,000
Envoy Mortgage, Ltd	Conventional	2	0.1%	100%	$315,000
Kind Lending, LLC	Conventional	2	0.1%	100%	$145,000
American Financial Network, Inc.	Conventional, FHA	2	0.1%	100%	$335,000
First State Bank of St Charles	Conventional	2	0.1%	100%	$200,000
Jlb Corporation dba Golden Oak Lending	FHA	2	0.1%	100%	$365,000
Midwest Mortgage Associates Corp	Conventional	2	0.1%	100%	$280,000
New Day Financial, LLC.	VA	2	0.1%	100%	$215,000
Churchill Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$230,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.1%	100%	$155,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	2	0.1%	100%	$370,000	View
Better Mortgage Corporation	Conventional, VA	2	0.1%	40%	$255,000
Endeavor Capital, LLC	Conventional	2	0.1%	100%	$280,000
Washington County Bank A+5.0 ★Texas Ratio: 1.13%	Conventional	2	0.1%	100%	$270,000	View
Summit Funding.Inc	Conventional	2	0.1%	100%	$380,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA, VA, Jumbo	2	0.1%	100%	$565,000	View
Paramount Residential Mortgage	Conventional, FHA	2	0.1%	100%	$365,000
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.1%	40%	$35,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	2	0.1%	100%	$285,000
Tomo Mortgage LLC	Conventional	2	0.1%	100%	$290,000
Originpoint, LLC	FHA	1	0.1%	100%	$535,000
Royal United Mortgage LLC	Conventional	1	0.1%	50%	$125,000
Servion	Conventional	1	0.1%	100%	$425,000
Everett Financial, Inc.	Conventional	1	0.1%	100%	$805,000
Success Lending, LLC	Conventional	1	0.1%	50%	$185,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	VA	1	0.1%	100%	$255,000	View
Regent Financial Group	Conventional	1	0.1%	100%	$205,000
PHH Mortgage Corporation	VA	1	0.1%	100%	$355,000
Loanunited.Com, LLC	VA	1	0.1%	100%	$355,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$285,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0.1%	100%	$395,000	View
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$485,000	View
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$305,000
Bank of Belleville B4.6 ★Texas Ratio: 19.57%	Conventional	1	0.1%	100%	$185,000	View
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$205,000
American State Bank A+5.0 ★Texas Ratio: 5.50%	Conventional	1	0.1%	100%	$275,000	View
Melanie Aguilar	Conventional	1	0.1%	100%	$385,000
Bank of Colorado	Conventional	1	0.1%	100%	$145,000
TTCU Federal Credit Union	Conventional	1	0.1%	100%	$45,000
HNB National Bank A+5.0 ★Texas Ratio: 0.35%	Conventional	1	0.1%	100%	$415,000	View
Farmers State Bank	Conventional	1	0.1%	100%	$445,000
Lafayette Federal Credit Union	Conventional	1	0.1%	100%	$405,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$145,000
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$45,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$275,000	View
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$355,000
Direct Mortgage Loans, LLC	Conventional	1	0.1%	100%	$315,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$185,000
American Pacific Mortgage Corporation	VA	1	0.1%	100%	$665,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$275,000	View
Digital Federal Credit Union	Conventional	1	0.1%	100%	$165,000
City & County Credit Union	Conventional	1	0.1%	100%	$425,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$255,000
Zillow Home Loans, LLC A+5.0 ★Texas Ratio: 4.46%	Conventional	1	0.1%	100%	$235,000	View
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$475,000	View
Cornhusker Bank A+5.0 ★Texas Ratio: 0.16%	Conventional	1	0.1%	100%	$365,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$115,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$655,000
Reliance First Capital, LLC	FHA	1	0.1%	100%	$215,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$375,000	View
Loan Simple, Inc.	FHA	1	0.1%	100%	$285,000
Village Capital & Investment	VA	1	0.1%	100%	$325,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	HELOC	0 +1 HELOCs	0%	0%		View
Cmg Mortgage Inc	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Geneva Financial LLC	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Lawrence Mortgage Rate Trends

Daily average mortgage rates for Kansas compared with the national average, updated every evening.

30-Year Fixed KS Avg

7.490%

▲ 0.145 vs 7 days ago

15-Year Fixed KS Avg

6.961%

▲ 0.104 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Lawrence, Kansas

Looking for mortgage lenders near me or mortgage brokers near me in Lawrence? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lawrence in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Lawrence, KS

Use these to narrow the list above. Each category shows how many Lawrence, KS lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 79 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 82 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 40 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 39 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 12 lenders. Loans above the conforming limit for higher priced homes Local lenders based in KS 44 lenders headquartered in Kansas, the closest thing to a mortgage lender near you

Who Lends in Lawrence, KS

Independent mortgage companies closed 45.1 percent of home loans in Lawrence, Kansas in 2025, banks 42.2 percent and credit unions 12.7 percent. M Squared Financial LLC was the largest mortgage company, Capitol Federal Savings Bank the largest bank and Envista Federal Credit Union the largest credit union. Among lenders headquartered in Kansas, Capitol Federal Savings Bank led with 39 loans.

45.1%

Mortgage companies

42.2%

Banks

12.7%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Kansas. None; the mortgage registration tax was fully phased out in 2019.

More Kansas Mortgage Lender Pages

All Kansas lenders 605 lenders Wichita 258 lenders Overland Park 251 lenders Olathe 225 lenders Topeka 161 lenders Kansas City 194 lenders Shawnee 165 lenders Lenexa 171 lenders Manhattan 133 lenders Gardner 138 lenders Junction City 85 lenders Leavenworth 116 lenders Hutchinson 89 lenders

Frequently Asked Questions About Mortgage Lenders in Lawrence, KS

Who is the largest mortgage lender in Lawrence, KS?

By home loans closed in 2025, Capitol Federal Savings Bank was the largest mortgage lender in Lawrence, Kansas with 39 loans, about 2.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Lawrence, KS have the highest approval rates?

Among lenders with meaningful volume in Lawrence, Kansas, Mid America Bank approved the highest share of completed applications in 2025 at 99.1 percent, against a 86 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Lawrence, KS mortgage lenders offer FHA, VA and USDA loans?

40 lenders closed FHA loans in Lawrence, Kansas in 2025, led by Rocket Mortgage with 27. 39 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Lawrence, KS lender list?

Yes. 82 banks and 24 credit unions closed home loans in Lawrence, Kansas in 2025, alongside 79 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Lawrence, KS ranked on this page?

Lenders are ranked only by the number of home loans they closed in Lawrence, Kansas during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Lawrence, Kansas for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Lawrence. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.