COLUMBIA Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Columbia averaged
6.57%
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
6.58% and
one month ago for the week of 2024-10-10, the
average rate was 6.31%.
Columbia's average rate one year ago was 7.19%.
For refis of the same type during the week of 2024-11-14, the average rate
was 7.04%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-14 | 6.78% |
| Columbia 30 Year Fixed Rate | 2024-11-14 | 6.57% |
| Columbia 30 Year Fixed Rate Refi | 2024-11-14 | 7.04% |
| Columbia 15 Year Fixed Rate | 2024-11-14 | 5.99% |
| Columbia 15 Year Fixed Rate Refi | 2024-11-14 | 6.19% |
| Columbia 30 Year FHA | 2024-11-14 | -0.05% |
| Columbia 30 Year FHA Refi | 2024-11-14 | 0.1% |
| Columbia 30 Year USDA | 2024-11-14 | 0.1% |
| Columbia 30 Year USDA Refi | 2024-11-14 | 0.2% |
| Columbia 30 Year VA | 2024-11-14 | 0.27% |
| Columbia 30 Year VA Refi | 2024-11-14 | 0% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within COLUMBIA, MO.
COLUMBIA 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 COLUMBIA, MO 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.).
COLUMBIA Average Closing Costs & Other Stats
COLUMBIA, MO's 128 lenders originated 3,801
loans during 2023. The total origination value was $885,935,000, with an average loan value of
$233,079.
COLUMBIA's average closing costs are $3,374.
The top COLUMBIA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
298 loans originated. Their average total fees are
$3,213, which is $50
higher than the next largest lender,
The Central Trust Bank.
The lowest fee COLUMBIA lenders (with over 10 loans originated) are
First Mid Bank & Trust ($1,871), First State Community Bank ($1,977), MISSOURI Credit Union ($1,998), The Bank of Missouri ($2,325) and WEST COMMUNITY ($2,332).
The lowest rate COLUMBIA lenders (with over 10 loans originated) are
Regions Bank (6.19%), The Bank of Missouri (6.20%), Bank of America (6.29%), Commerce Bank (6.36%) and WEST COMMUNITY (6.40%).
COLUMBIA, MO 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 |
|---|---|---|---|---|
| The Central Trust Bank | $210,320,000 | $140,910,000 | -33.0% | 15.9% |
| FLAT BRANCH MORTGAGE, INC. | $145,385,000 | $105,975,000 | -27.1% | 12.0% |
| The Bank of Missouri | $38,295,000 | $39,490,000 | 3.1% | 4.5% |
| Hawthorn Bank | $56,495,000 | $39,260,000 | -30.5% | 4.4% |
| River Region Credit Union | $31,215,000 | $37,920,000 | 21.5% | 4.3% |
| First State Community Bank | $46,415,000 | $28,605,000 | -38.4% | 3.2% |
| Mortgage Research Center, LLC | $45,425,000 | $28,355,000 | -37.6% | 3.2% |
| DAS Acquisition Company, LLC | $55,530,000 | $25,890,000 | -53.4% | 2.9% |
| MISSOURI Credit Union | $35,695,000 | $24,285,000 | -32.0% | 2.7% |
| QUICKEN LOANS, LLC | $34,810,000 | $21,925,000 | -37.0% | 2.5% |
| Simmons Bank | $22,975,000 | $19,135,000 | -16.7% | 2.2% |
| Bell Bank | $16,075,000 | $18,050,000 | 12.3% | 2.0% |
| Midwest Mortgage Associates Corporation | $14,895,000 | $14,545,000 | -2.3% | 1.6% |
| U.S. Bank | $91,720,000 | $14,480,000 | -84.2% | 1.6% |
| COMMERCIAL TRUST COMPANY OF FAYETTE | $23,650,000 | $14,390,000 | -39.2% | 1.6% |
| Regions Bank | $7,570,000 | $14,055,000 | 85.7% | 1.6% |
| WEST COMMUNITY | $9,815,000 | $13,705,000 | 39.6% | 1.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $5,730,000 | $13,365,000 | 133.2% | 1.5% |
| The Callaway Bank | $27,210,000 | $12,335,000 | -54.7% | 1.4% |
| American Bank of Missouri | $12,325,000 | n/a | 1.4% | |
| Commerce Bank | $26,650,000 | $11,670,000 | -56.2% | 1.3% |
| Exchange Bank of Missouri | $16,135,000 | $10,820,000 | -32.9% | 1.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,285,000 | $8,695,000 | 280.5% | 1.0% |
| BTC BANK | $3,700,000 | $6,835,000 | 84.7% | 0.8% |
| Bank of America | $6,775,000 | $6,495,000 | -4.1% | 0.7% |
| The Missouri Bank | $9,095,000 | $6,365,000 | -30.0% | 0.7% |
| Alliant Bank | $5,275,000 | $6,215,000 | 17.8% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $7,350,000 | $6,040,000 | -17.8% | 0.7% |
| First Mid Bank & Trust | $5,795,000 | $6,015,000 | 3.8% | 0.7% |
| Mid America Bank | $4,610,000 | $5,635,000 | 22.2% | 0.6% |
| Wells Bank | $5,495,000 | n/a | 0.6% | |
| First Midwest Bank of Poplar Bluff | $23,625,000 | $5,355,000 | -77.3% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $5,145,000 | $5,260,000 | 2.2% | 0.6% |
| Mid-Continent Funding, Inc. | $3,670,000 | $5,070,000 | 38.1% | 0.6% |
| The Federal Savings Bank | $1,435,000 | $4,670,000 | 225.4% | 0.5% |
| UMB Bank | $13,740,000 | $4,045,000 | -70.6% | 0.5% |
| People's Savings Bank of Rhineland | $2,140,000 | $3,935,000 | 83.9% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $4,920,000 | $3,555,000 | -27.7% | 0.4% |
| GERSHMAN INVESTMENT CORP. | $4,530,000 | $3,480,000 | -23.2% | 0.4% |
| LOANDEPOT.COM, LLC | $7,990,000 | $3,355,000 | -58.0% | 0.4% |
| Arvest Bank | $2,805,000 | $3,285,000 | 17.1% | 0.4% |
| NBKC BANK | $1,555,000 | $3,170,000 | 103.9% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,295,000 | $2,890,000 | 25.9% | 0.3% |
| Capitol Federal Savings Bank | $12,250,000 | $2,880,000 | -76.5% | 0.3% |
| BMO Harris Bank | $2,570,000 | $2,875,000 | 11.9% | 0.3% |
| GUARANTEED RATE, INC. | $1,950,000 | $2,835,000 | 45.4% | 0.3% |
| USAA Federal Savings Bank | $2,785,000 | $2,730,000 | -2.0% | 0.3% |
| BancorpSouth | $525,000 | $2,695,000 | 413.3% | 0.3% |
| ALLIANT CREDIT UNION | $205,000 | $2,535,000 | 1,136.6% | 0.3% |
| Regional Missouri Bank | $3,405,000 | $2,470,000 | -27.5% | 0.3% |
| ENDEAVOR CAPITAL, LLC. | $515,000 | $2,465,000 | 378.6% | 0.3% |
| JPMorgan Chase Bank | $3,500,000 | $2,255,000 | -35.6% | 0.3% |
| The Tipton Latham Bank | $2,230,000 | n/a | 0.3% | |
| Flagstar Bank, FSB | $4,490,000 | $2,225,000 | -50.4% | 0.3% |
| Wells Fargo Bank | $61,505,000 | $2,200,000 | -96.4% | 0.2% |
| Discover Bank | $650,000 | $1,900,000 | 192.3% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $2,495,000 | $1,855,000 | -25.7% | 0.2% |
| ON Q FINANCIAL, INC. | $3,115,000 | $1,800,000 | -42.2% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $2,185,000 | $1,725,000 | -21.1% | 0.2% |
| PNC Bank | $18,555,000 | $1,675,000 | -91.0% | 0.2% |
| T2 FINANCIAL LLC | $1,610,000 | n/a | 0.2% | |
| Wood & Huston Bank | $10,715,000 | $1,590,000 | -85.2% | 0.2% |
| HomeBank | $2,495,000 | $1,560,000 | -37.5% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,485,000 | n/a | 0.2% | |
| Stifel Bank and Trust | $1,905,000 | $1,470,000 | -22.8% | 0.2% |
| CARDINAL FINANCIAL | $2,225,000 | $1,450,000 | -34.8% | 0.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $340,000 | $1,400,000 | 311.8% | 0.2% |
| ZILLOW HOME LOANS, LLC | $305,000 | $1,370,000 | 349.2% | 0.2% |
| GUILD MORTGAGE COMPANY | $1,805,000 | $1,355,000 | -24.9% | 0.2% |
| Plains Commerce Bank | $125,000 | $1,305,000 | 944.0% | 0.1% |
| BROKER SOLUTIONS, INC. | $2,980,000 | $1,255,000 | -57.9% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $895,000 | $1,245,000 | 39.1% | 0.1% |
| NEWREZ LLC | $1,960,000 | $1,245,000 | -36.5% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,500,000 | $1,140,000 | -24.0% | 0.1% |
| Carrington Mortgage Services, LLC | $1,735,000 | $1,095,000 | -36.9% | 0.1% |
| First State Bank of St. Charles, Missouri | $115,000 | $1,090,000 | 847.8% | 0.1% |
| HOMESITE MORTGAGE, LLC | $670,000 | $1,050,000 | 56.7% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,175,000 | $1,045,000 | -11.1% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $2,050,000 | $955,000 | -53.4% | 0.1% |
| Community Mortgage Banc Corporation | $970,000 | $945,000 | -2.6% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $335,000 | $915,000 | 173.1% | 0.1% |
| The Huntington National Bank | $125,000 | $880,000 | 604.0% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $530,000 | $840,000 | 58.5% | 0.1% |
| HNB National Bank | $1,060,000 | $835,000 | -21.2% | 0.1% |
| Morgan Stanley Private Bank | $800,000 | n/a | 0.1% | |
| Carrollton Bank | $390,000 | $790,000 | 102.6% | 0.1% |
| Today's Bank | $775,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $1,040,000 | $755,000 | -27.4% | 0.1% |
| Community Bank of Marshall | $750,000 | n/a | 0.1% | |
| GUIDANCE RESIDENTIAL, LLC | $1,315,000 | $715,000 | -45.6% | 0.1% |
| Magnolia Bank | $3,515,000 | $695,000 | -80.2% | 0.1% |
| TruHome Solutions, LLC | $690,000 | n/a | 0.1% | |
| Armed Forces Bank | $970,000 | $680,000 | -29.9% | 0.1% |
| CMG MORTGAGE, INC. | $2,065,000 | $680,000 | -67.1% | 0.1% |
| Ameris Bank | $665,000 | n/a | 0.1% | |
| CITIZENS EQUITY FIRST | $785,000 | $655,000 | -16.6% | 0.1% |
| NEW DAY FINANCIAL, LLC | $2,375,000 | $655,000 | -72.4% | 0.1% |
| 21ST MORTGAGE CORPORATION | $595,000 | $645,000 | 8.4% | 0.1% |
| Nations Lending Corporation | $260,000 | $640,000 | 146.2% | 0.1% |
| RED DIAMOND HOME LOANS, LLC | $235,000 | $635,000 | 170.2% | 0.1% |
| FCS Financial FLCA | $1,025,000 | $625,000 | -39.0% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $605,000 | n/a | 0.1% | |
| Ally Bank | $2,005,000 | $600,000 | -70.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $2,470,000 | $595,000 | -75.9% | 0.1% |
| LOANPAL, LLC | $195,000 | $580,000 | 197.4% | 0.1% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $580,000 | n/a | 0.1% | |
| COMMUNITY MORTGAGE, LLC | $1,155,000 | $570,000 | -50.6% | 0.1% |
| Figure Lending LLC | $1,075,000 | $565,000 | -47.4% | 0.1% |
| GENEVA FINANCIAL, LLC | $315,000 | $565,000 | 79.4% | 0.1% |
| Heritage Community Bank | $295,000 | $560,000 | 89.8% | 0.1% |
| TOGETHER CREDIT UNION | $225,000 | $555,000 | 146.7% | 0.1% |
| Farmers Bank & Trust | $595,000 | $550,000 | -7.6% | 0.1% |
| FIRST COMMUNITY | $530,000 | $550,000 | 3.8% | 0.1% |
| Prosperity Home Mortgage, LLC | $845,000 | $550,000 | -34.9% | 0.1% |
| TOWNE MORTGAGE COMPANY | $540,000 | n/a | 0.1% | |
| ENCORE BANK | $520,000 | n/a | 0.1% | |
| The Maries County Bank | $785,000 | $510,000 | -35.0% | 0.1% |
| Citizens Bank | $165,000 | $495,000 | 200.0% | 0.1% |
| CONSERVATION EMP. CREDIT UNION | $490,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $2,310,000 | $470,000 | -79.7% | 0.1% |
| MISSOURI ELECTRIC COOPERATIVES EMPL | $680,000 | $465,000 | -31.6% | 0.1% |
| Gate City Bank | $460,000 | n/a | 0.1% | |
| Midwest Regional Bank | $460,000 | n/a | 0.1% | |
| Montgomery Bank | $185,000 | $455,000 | 145.9% | 0.1% |
| Flanagan State Bank | $125,000 | $450,000 | 260.0% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $115,000 | $445,000 | 287.0% | 0.1% |
| The Dart Bank | $435,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $2,095,000 | $425,000 | -79.7% | 0.0% |
| SIRVA MORTGAGE, INC. | $1,125,000 | $420,000 | -62.7% | 0.0% |
| Peoples Bank of Moniteau County | $415,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $405,000 | n/a | 0.0% | |
| THRIVE MORTGAGE, LLC | $195,000 | $395,000 | 102.6% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $535,000 | $385,000 | -28.0% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $240,000 | $380,000 | 58.3% | 0.0% |
| Truist | $115,000 | $380,000 | 230.4% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $3,605,000 | $375,000 | -89.6% | 0.0% |
| PREMIA MORTGAGE, LLC | $815,000 | $355,000 | -56.4% | 0.0% |
| Sullivan Bank | $195,000 | $355,000 | 82.1% | 0.0% |
| PHH Mortgage Corporation | $505,000 | $340,000 | -32.7% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $205,000 | $330,000 | 61.0% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $325,000 | n/a | 0.0% | |
| Equity Bank | $550,000 | $325,000 | -40.9% | 0.0% |
| United Credit Union | $1,070,000 | $320,000 | -70.1% | 0.0% |
| Fidelity Bank | $315,000 | n/a | 0.0% | |
| INB | $430,000 | $315,000 | -26.7% | 0.0% |
| Great Southern Bank | $4,760,000 | $305,000 | -93.6% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $395,000 | $305,000 | -22.8% | 0.0% |
| ALLTRU Federal Credit Union | $295,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $295,000 | n/a | 0.0% | |
| UNITED SECURITY BANK | $290,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $275,000 | n/a | 0.0% | |
| First-Citizens Bank & Trust Company | $275,000 | n/a | 0.0% | |
| First Federal Bank | $275,000 | n/a | 0.0% | |
| Ixonia Bank | $275,000 | n/a | 0.0% | |
| KeyBank | $1,890,000 | $275,000 | -85.4% | 0.0% |
| CNB Bank And Trust, N.A. | $265,000 | n/a | 0.0% | |
| NexBank | $255,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $255,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $235,000 | n/a | 0.0% | |
| Oakstar Bank | $5,175,000 | $235,000 | -95.5% | 0.0% |
| Bank of England | $225,000 | n/a | 0.0% | |
| Bank of Washington | $225,000 | n/a | 0.0% | |
| First Bank | $735,000 | $225,000 | -69.4% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $115,000 | $225,000 | 95.7% | 0.0% |
| SUMMIT FUNDING, INC. | $440,000 | $225,000 | -48.9% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,060,000 | $220,000 | -79.2% | 0.0% |
| Bank of Springfield | $325,000 | $215,000 | -33.8% | 0.0% |
| DIGITAL Federal Credit Union | $215,000 | n/a | 0.0% | |
| Farmers State Bank | $215,000 | n/a | 0.0% | |
| Gateway First Bank | $1,115,000 | $215,000 | -80.7% | 0.0% |
| GSF Mortgage Corporation | $215,000 | n/a | 0.0% | |
| Busey Bank | $205,000 | n/a | 0.0% | |
| FIRST STATE MORTGAGE SERVICES, LLC | $265,000 | $205,000 | -22.6% | 0.0% |
| The Bank of Old Monroe | $95,000 | $205,000 | 115.8% | 0.0% |
| United Community Bank | $205,000 | n/a | 0.0% | |
| Associated Bank | $2,155,000 | $195,000 | -91.0% | 0.0% |
| Cornerstone First Mortgage, Inc | $195,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $1,130,000 | $195,000 | -82.7% | 0.0% |
| Mortgage Investment Services Corporation | $250,000 | $195,000 | -22.0% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $370,000 | $195,000 | -47.3% | 0.0% |
| Andover State Bank | $190,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $600,000 | $190,000 | -68.3% | 0.0% |
| UIF CORPORATION | $2,005,000 | $185,000 | -90.8% | 0.0% |
| ASSEMBLIES OF GOD Credit Union | $175,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $175,000 | n/a | 0.0% | |
| FIRST MORTGAGE COMPANY, INC. | $175,000 | n/a | 0.0% | |
| GREENSTATE CREDIT UNION | $175,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $175,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $1,435,000 | $165,000 | -88.5% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $165,000 | n/a | 0.0% | |
| Servion, Inc. | $1,340,000 | $165,000 | -87.7% | 0.0% |
| FRONTIER FINANCIAL, INC. | $570,000 | $155,000 | -72.8% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $155,000 | n/a | 0.0% | |
| Morton Community Bank | $155,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $75,000 | $155,000 | 106.7% | 0.0% |
| The Nodaway Valley Bank | $155,000 | n/a | 0.0% | |
| Bank of Idaho | $145,000 | n/a | 0.0% | |
| Bank of Tennessee | $145,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $195,000 | $145,000 | -25.6% | 0.0% |
| Mazuma Credit Union | $205,000 | $135,000 | -34.1% | 0.0% |
| Blue Ridge Bank | $105,000 | n/a | 0.0% | |
| Country Club Bank | $105,000 | n/a | 0.0% | |
| First Midwest Bank of Dexter | $500,000 | $95,000 | -81.0% | 0.0% |
| The Union State Bank of Everest | $330,000 | $95,000 | -71.2% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $255,000 | $85,000 | -66.7% | 0.0% |
| Baxter Credit Union | $75,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $75,000 | n/a | 0.0% | |
| Southern Bank | $265,000 | $70,000 | -73.6% | 0.0% |
| SPRING EQ, LLC | $55,000 | n/a | 0.0% | |
| EASTMAN | $45,000 | n/a | 0.0% | |
| TOWER | $35,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $25,000 | $25,000 | 0.0% | 0.0% |
| Notre Dame Federal Credit Union Corporation | $15,000 | n/a | 0.0% |
COLUMBIA's top lender by overall market share is The Central Trust Bank, with 15.9% market share. In second place, with 12.0%, is FLAT BRANCH MORTGAGE, INC., having originated $105,975,000 in loans. In third place, with 4.5%, is The Bank of Missouri, having originated $39,490,000 in loans. In fourth place, with 4.4%, is Hawthorn Bank, having originated $39,260,000 in loans. In fifth place, with 4.3%, is River Region Credit Union, having originated $37,920,000 in loans.
COLUMBIA Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - COLUMBIA (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 | $224,950 (8.3%) | $276,908 (6.5%) | 0.83 | 751 |
| 2018-02-01 | $225,000 (4.7%) | $281,307 (3.4%) | 0.82 | 763 |
| 2018-03-01 | $235,000 (2.7%) | $286,311 (1.0%) | 0.82 | 827 |
| 2018-04-01 | $245,650 (-0.9%) | $291,637 (-0.3%) | 0.83 | 856 |
| 2018-05-01 | $252,500 (1.8%) | $294,170 (-1.9%) | 0.84 | 902 |
| 2018-06-01 | $249,900 (2.5%) | $293,181 (-3.0%) | 0.83 | 912 |
| 2018-07-01 | $247,725 (3.4%) | $292,417 (-0.1%) | 0.83 | 921 |
| 2018-08-01 | $237,425 (2.5%) | $286,035 (-0.1%) | 0.80 | 952 |
| 2018-09-01 | $234,900 (4.9%) | $278,854 (0.2%) | 0.79 | 999 |
| 2018-10-01 | $232,475 (3.4%) | $276,905 (-0.2%) | 0.79 | 1,035 |
| 2018-11-01 | $228,625 (4.4%) | $272,510 (0.1%) | 0.78 | 957 |
| 2018-12-01 | $229,000 (3.6%) | $273,410 (0.5%) | 0.79 | 889 |
| 2019-01-01 | $229,000 (1.8%) | $277,344 (0.2%) | 0.79 | 793 |
| 2019-02-01 | $229,125 (1.8%) | $278,383 (-1.0%) | 0.77 | 802 |
| 2019-03-01 | $236,429 (0.6%) | $286,481 (0.1%) | 0.77 | 791 |
| 2019-04-01 | $244,981 (-0.3%) | $292,610 (0.3%) | 0.78 | 775 |
| 2019-05-01 | $246,250 (-2.5%) | $290,208 (-1.4%) | 0.77 | 787 |
| 2019-06-01 | $242,750 (-2.9%) | $291,937 (-0.4%) | 0.76 | 809 |
| 2019-07-01 | $239,950 (-3.1%) | $292,671 (0.1%) | 0.75 | 825 |
| 2019-08-01 | $240,882 (1.5%) | $292,977 (2.4%) | 0.76 | 793 |
| 2019-09-01 | $242,355 (3.2%) | $294,167 (5.5%) | 0.78 | 764 |
| 2019-10-01 | $244,975 (5.4%) | $294,961 (6.5%) | 0.79 | 742 |
| 2019-11-01 | $239,950 (5.0%) | $295,020 (8.3%) | 0.79 | 709 |
| 2019-12-01 | $234,975 (2.6%) | $296,537 (8.5%) | 0.78 | 615 |
| 2020-01-01 | $228,725 (-0.1%) | $292,560 (5.5%) | 0.76 | 548 |
| 2020-02-01 | $237,900 (3.8%) | $295,541 (6.2%) | 0.78 | 525 |
| 2020-03-01 | $250,725 (6.1%) | $305,921 (6.8%) | 0.79 | 549 |
| 2020-04-01 | $269,450 (10.0%) | $319,532 (9.2%) | 0.84 | 502 |
| 2020-05-01 | $267,000 (8.4%) | $317,140 (9.3%) | 0.81 | 486 |
| 2020-06-01 | $272,450 (12.2%) | $333,351 (14.2%) | 0.80 | 469 |
| 2020-07-01 | $276,950 (15.4%) | $340,382 (16.3%) | 0.80 | 455 |
| 2020-08-01 | $275,950 (14.6%) | $336,474 (14.9%) | 0.79 | 438 |
| 2020-09-01 | $263,550 (8.8%) | $326,865 (11.1%) | 0.76 | 409 |
| 2020-10-01 | $246,950 (0.8%) | $316,448 (7.3%) | 0.71 | 398 |
| 2020-11-01 | $244,475 (1.9%) | $326,009 (10.5%) | 0.71 | 375 |
| 2020-12-01 | $251,950 (7.2%) | $342,801 (15.6%) | 0.75 | 330 |
| 2021-01-01 | $254,400 (11.2%) | $367,875 (25.7%) | 0.76 | 265 |
| 2021-02-01 | $248,425 (4.4%) | $387,681 (31.2%) | 0.72 | 200 |
| 2021-03-01 | $269,852 (7.6%) | $373,193 (22.0%) | 0.77 | 212 |
| 2021-04-01 | $292,200 (8.4%) | $377,574 (18.2%) | 0.79 | 200 |
| 2021-05-01 | $275,000 (3.0%) | $356,451 (12.4%) | 0.73 | 225 |
| 2021-06-01 | $274,975 (0.9%) | $369,738 (10.9%) | 0.72 | 267 |
| 2021-07-01 | $275,000 (-0.7%) | $354,061 (4.0%) | 0.73 | 311 |
| 2021-08-01 | $268,000 (-2.9%) | $344,978 (2.5%) | 0.71 | 314 |
| 2021-09-01 | $251,450 (-4.6%) | $330,602 (1.1%) | 0.67 | 303 |
| 2021-10-01 | $269,900 (9.3%) | $338,086 (6.8%) | 0.72 | 294 |
| 2021-11-01 | $260,972 (6.8%) | $337,864 (3.6%) | 0.70 | 256 |
| 2021-12-01 | $279,424 (10.9%) | $352,931 (3.0%) | 0.76 | 219 |
| 2022-01-01 | $319,900 (25.8%) | $369,876 (0.5%) | 0.86 | 166 |
| 2022-02-01 | $318,950 (28.4%) | $393,127 (1.4%) | 0.83 | 164 |
| 2022-03-01 | $304,988 (13.0%) | $386,958 (3.7%) | 0.76 | 185 |
| 2022-04-01 | $316,000 (8.2%) | $400,066 (6.0%) | 0.75 | 212 |
| 2022-05-01 | $341,500 (24.2%) | $429,559 (20.5%) | 0.78 | 270 |
| 2022-06-01 | $338,250 (23.0%) | $425,917 (15.2%) | 0.75 | 320 |
| 2022-07-01 | $334,900 (21.8%) | $421,103 (18.9%) | 0.75 | 378 |
| 2022-08-01 | $342,400 (27.8%) | $425,711 (23.4%) | 0.79 | 384 |
| 2022-09-01 | $348,000 (38.4%) | $421,747 (27.6%) | 0.81 | 381 |
| 2022-10-01 | $350,000 (29.7%) | $417,986 (23.6%) | 0.82 | 399 |
| 2022-11-01 | $345,625 (32.4%) | $407,744 (20.7%) | 0.83 | 407 |
| 2022-12-01 | $342,450 (22.6%) | $406,068 (15.1%) | 0.85 | 355 |
| 2023-01-01 | $354,450 (10.8%) | $415,031 (12.2%) | 0.88 | 299 |
| 2023-02-01 | $352,500 (10.5%) | $408,961 (4.0%) | 0.85 | 312 |
| 2023-03-01 | $367,375 (20.5%) | $433,567 (12.1%) | 0.87 | 313 |
| 2023-04-01 | $385,000 (21.8%) | $463,182 (15.8%) | 0.90 | 313 |
| 2023-05-01 | $392,450 (14.9%) | $474,772 (10.5%) | 0.89 | 330 |
| 2023-06-01 | $397,125 (17.4%) | $474,152 (11.3%) | 0.89 | 331 |
| 2023-07-01 | $388,904 (16.1%) | $459,401 (9.1%) | 0.88 | 416 |
| 2023-08-01 | $392,425 (14.6%) | $465,170 (9.3%) | 0.90 | 420 |
| 2023-09-01 | $386,250 (11.0%) | $464,121 (10.1%) | 0.90 | 414 |
| 2023-10-01 | $397,000 (13.4%) | $467,196 (11.8%) | 0.93 | 425 |
| 2023-11-01 | $384,725 (11.3%) | $456,529 (12.0%) | 0.92 | 426 |
| 2023-12-01 | $374,900 (9.5%) | $450,882 (11.0%) | 0.91 | 420 |
| 2024-01-01 | $375,000 (5.8%) | $450,563 (8.6%) | 0.92 | 361 |
| 2024-02-01 | $382,450 (8.5%) | $457,448 (11.9%) | 0.92 | 352 |
| 2024-03-01 | $375,000 (2.1%) | $456,705 (5.3%) | 0.88 | 364 |
| 2024-04-01 | $402,200 (4.5%) | $492,324 (6.3%) | 0.94 | 370 |
| 2024-05-01 | $428,125 (9.1%) | $522,264 (10.0%) | 0.97 | 400 |
| 2024-06-01 | $425,000 (7.0%) | $509,356 (7.4%) | 0.96 | 441 |
| 2024-07-01 | $413,650 (6.4%) | $489,489 (6.6%) | 0.95 | 469 |
| 2024-08-01 | $412,500 (5.1%) | $470,550 (1.2%) | 0.96 | 488 |
| 2024-09-01 | $395,950 (2.5%) | $456,661 (-1.6%) | 0.93 | 518 |
| 2024-10-01 | $394,375 (-0.7%) | $451,299 (-3.4%) | 0.93 | 544 |
COLUMBIA's median listing price for 2024-10-01 was $394,375, a difference of
$-2,625
(-0.7%) versus the prior year and
$-1,575 versus the prior month.
COLUMBIA's median listing price comes in at 93% of the national average.
COLUMBIA's average listing price for 2024-10-01 was $451,299, a difference of $-15,897 (-3.4%) versus the prior year and $-5,362 versus the prior month.
For the 2024-10-01 period, COLUMBIA had 544 MLS listings, a difference of 26 listings (5%) versus the prior month and 119 listings (28%) versus the prior year.
COLUMBIA's median listing price comes in at 93% of the national average.
COLUMBIA's average listing price for 2024-10-01 was $451,299, a difference of $-15,897 (-3.4%) versus the prior year and $-5,362 versus the prior month.
For the 2024-10-01 period, COLUMBIA had 544 MLS listings, a difference of 26 listings (5%) versus the prior month and 119 listings (28%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - COLUMBIA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 79 days | 1,971 sqft |
| 2018-02-01 | 72 days | 1,994 sqft |
| 2018-03-01 | 53 days | 2,069 sqft |
| 2018-04-01 | 45 days | 2,181 sqft |
| 2018-05-01 | 47 days | 2,224 sqft |
| 2018-06-01 | 56 days | 2,210 sqft |
| 2018-07-01 | 64 days | 2,229 sqft |
| 2018-08-01 | 65 days | 2,179 sqft |
| 2018-09-01 | 64 days | 2,135 sqft |
| 2018-10-01 | 67 days | 2,133 sqft |
| 2018-11-01 | 77 days | 2,088 sqft |
| 2018-12-01 | 89 days | 2,029 sqft |
| 2019-01-01 | 95 days | 1,947 sqft |
| 2019-02-01 | 89 days | 1,947 sqft |
| 2019-03-01 | 62 days | 2,066 sqft |
| 2019-04-01 | 43 days | 2,151 sqft |
| 2019-05-01 | 47 days | 2,147 sqft |
| 2019-06-01 | 53 days | 2,152 sqft |
| 2019-07-01 | 56 days | 2,093 sqft |
| 2019-08-01 | 59 days | 2,105 sqft |
| 2019-09-01 | 60 days | 2,125 sqft |
| 2019-10-01 | 62 days | 2,142 sqft |
| 2019-11-01 | 67 days | 2,046 sqft |
| 2019-12-01 | 76 days | 2,030 sqft |
| 2020-01-01 | 84 days | 1,920 sqft |
| 2020-02-01 | 59 days | 1,942 sqft |
| 2020-03-01 | 38 days | 1,963 sqft |
| 2020-04-01 | 45 days | 2,060 sqft |
| 2020-05-01 | 45 days | 2,100 sqft |
| 2020-06-01 | 37 days | 2,089 sqft |
| 2020-07-01 | 38 days | 2,065 sqft |
| 2020-08-01 | 42 days | 2,091 sqft |
| 2020-09-01 | 44 days | 1,996 sqft |
| 2020-10-01 | 37 days | 1,953 sqft |
| 2020-11-01 | 41 days | 1,928 sqft |
| 2020-12-01 | 54 days | 1,966 sqft |
| 2021-01-01 | 57 days | 1,969 sqft |
| 2021-02-01 | 28 days | 1,938 sqft |
| 2021-03-01 | 17 days | 1,950 sqft |
| 2021-04-01 | 21 days | 2,126 sqft |
| 2021-05-01 | 15 days | 2,021 sqft |
| 2021-06-01 | 16 days | 1,990 sqft |
| 2021-07-01 | 22 days | 2,055 sqft |
| 2021-08-01 | 28 days | 1,929 sqft |
| 2021-09-01 | 31 days | 1,919 sqft |
| 2021-10-01 | 30 days | 1,952 sqft |
| 2021-11-01 | 35 days | 1,945 sqft |
| 2021-12-01 | 44 days | 1,976 sqft |
| 2022-01-01 | 41 days | 2,000 sqft |
| 2022-02-01 | 26 days | 1,988 sqft |
| 2022-03-01 | 15 days | 2,058 sqft |
| 2022-04-01 | 14 days | 2,086 sqft |
| 2022-05-01 | 14 days | 2,155 sqft |
| 2022-06-01 | 20 days | 2,096 sqft |
| 2022-07-01 | 26 days | 2,051 sqft |
| 2022-08-01 | 37 days | 2,051 sqft |
| 2022-09-01 | 42 days | 2,042 sqft |
| 2022-10-01 | 45 days | 2,004 sqft |
| 2022-11-01 | 46 days | 1,971 sqft |
| 2022-12-01 | 61 days | 1,975 sqft |
| 2023-01-01 | 78 days | 1,984 sqft |
| 2023-02-01 | 56 days | 1,974 sqft |
| 2023-03-01 | 37 days | 2,000 sqft |
| 2023-04-01 | 30 days | 2,058 sqft |
| 2023-05-01 | 31 days | 2,119 sqft |
| 2023-06-01 | 33 days | 2,220 sqft |
| 2023-07-01 | 26 days | 2,126 sqft |
| 2023-08-01 | 42 days | 2,166 sqft |
| 2023-09-01 | 51 days | 2,200 sqft |
| 2023-10-01 | 53 days | 2,219 sqft |
| 2023-11-01 | 54 days | 2,133 sqft |
| 2023-12-01 | 64 days | 2,076 sqft |
| 2024-01-01 | 72 days | 2,065 sqft |
| 2024-02-01 | 50 days | 2,045 sqft |
| 2024-03-01 | 33 days | 1,981 sqft |
| 2024-04-01 | 32 days | 2,012 sqft |
| 2024-05-01 | 36 days | 2,137 sqft |
| 2024-06-01 | 36 days | 2,129 sqft |
| 2024-07-01 | 40 days | 2,129 sqft |
| 2024-08-01 | 44 days | 2,101 sqft |
| 2024-09-01 | 45 days | 2,072 sqft |
| 2024-10-01 | 52 days | 2,063 sqft |
COLUMBIA's median listing age (time on market) for 2024-10-01 was 52 days.
This
is -2%
shorter
than the same period one year ago.
COLUMBIA's median square footage for active listings during the 2024-10-01 period was 2,063 sqft. One year prior, the average listing was 2,219 sqft.
COLUMBIA's median square footage for active listings during the 2024-10-01 period was 2,063 sqft. One year prior, the average listing was 2,219 sqft.
COLUMBIA, MO Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 65010 | Columbia, MO HUD Metro FMR Area | $630 | $730 | $890 | $1,190 | $1,390 |
| 65039 | Columbia, MO HUD Metro FMR Area | $600 | $650 | $800 | $1,060 | $1,260 |
| 65201 | Columbia, MO HUD Metro FMR Area | $680 | $800 | $970 | $1,300 | $1,520 |
| 65202 | Columbia, MO HUD Metro FMR Area | $670 | $780 | $950 | $1,270 | $1,490 |
| 65203 | Columbia, MO HUD Metro FMR Area | $690 | $800 | $980 | $1,320 | $1,530 |
| 65205 | Columbia, MO HUD Metro FMR Area | $680 | $790 | $960 | $1,290 | $1,500 |
| 65211 | Columbia, MO HUD Metro FMR Area | $680 | $790 | $960 | $1,290 | $1,500 |
| 65215 | Columbia, MO HUD Metro FMR Area | $680 | $790 | $960 | $1,290 | $1,500 |
| 65240 | Columbia, MO HUD Metro FMR Area | $600 | $650 | $800 | $1,060 | $1,260 |
| 65243 | Columbia, MO HUD Metro FMR Area | $600 | $660 | $810 | $1,080 | $1,260 |
| 65255 | Columbia, MO HUD Metro FMR Area | $600 | $660 | $800 | $1,070 | $1,260 |
| 65256 | Columbia, MO HUD Metro FMR Area | $600 | $650 | $800 | $1,060 | $1,260 |
| 65279 | Columbia, MO HUD Metro FMR Area | $800 | $930 | $1,130 | $1,520 | $1,770 |
| 65284 | Columbia, MO HUD Metro FMR Area | $600 | $670 | $820 | $1,100 | $1,280 |
| 65299 | Columbia, MO HUD Metro FMR Area | $680 | $790 | $960 | $1,290 | $1,500 |
2022 Average & Median Rent Data Statistics
COLUMBIA, MO average 1BR rent: $743, median: $780
COLUMBIA, MO average 2BR rent: $906, median: $950
COLUMBIA, MO average 3BR rent: $1,213, median: $1,270
COLUMBIA, MO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,489 | $717,575,000 | $288,299 |
| Other | 347 | $30,535,000 | $87,997 |
| Cash Out Refi | 340 | $55,030,000 | $161,853 |
| Home Improvement | 329 | $27,095,000 | $82,356 |
| Refi | 296 | $55,700,000 | $188,176 |
Columbia's most frequently cited loan purpose was Home Purchase, with 2,489 originations. The 2nd most popular reason was Other, with 347 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,399 | $357,665,000 | $255,658 |
| 7-8% | 731 | $182,585,000 | $249,774 |
| 5-6% | 457 | $129,675,000 | $283,753 |
| Over 8% | 444 | $61,540,000 | $138,604 |
| 4-5% | 29 | $13,345,000 | $460,172 |
| 2.5-3% | 20 | $2,400,000 | $120,000 |
| 3-4% | 5 | $1,315,000 | $263,000 |
| <2.5% | 2 | $40,000 | $20,000 |
During 2023, Columbia's most frequently originated rate bucket was 6-7%, with 1,399 originations.
Loan Sizing (COLUMBIA, MO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,399 | $382,315,000 | $273,277 |
| $100k-200k | 1,056 | $158,040,000 | $149,659 |
| $100,000 or less | 927 | $51,035,000 | $55,054 |
| $400k-600k | 276 | $131,340,000 | $475,870 |
| $600k-1000k | 113 | $82,555,000 | $730,575 |
| $Over $1MM | 30 | $80,650,000 | $2,688,333 |
COLUMBIA's loan sizing saw the bucket of loans from $200k-400k with 1,399 originations, totaling $382,315,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,404 | $402,810,000 | $286,902 |
| 60-80% | 687 | $201,435,000 | $293,210 |
| Under 20% | 426 | $24,510,000 | $57,535 |
| 20-40% | 297 | $45,565,000 | $153,418 |
| 40-60% | 235 | $62,405,000 | $265,553 |
| Over 100% | 29 | $9,885,000 | $340,862 |
COLUMBIA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,404 originations, totaling $402,810,000 in origination value.