ST. JOSEPH 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 St. Joseph averaged 7.14% 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%.

    St. Joseph'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 7.38%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    St. Joseph 30 Year Fixed Rate 2024-11-14 7.14%
    St. Joseph 30 Year Fixed Rate Refi 2024-11-14 7.38%
    St. Joseph 15 Year Fixed Rate 2024-11-14 6.09%
    St. Joseph 15 Year Fixed Rate Refi 2024-11-14 6.09%
    St. Joseph 30 Year FHA 2024-11-14 -0.07%
    St. Joseph 30 Year FHA Refi 2024-11-14 -0.2%
    St. Joseph 30 Year USDA 2024-11-14 0.1%
    St. Joseph 30 Year USDA Refi 2024-11-14 0.1%
    St. Joseph 30 Year VA 2024-11-14 0.18%
    St. Joseph 30 Year VA Refi 2024-11-14 0.1%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ST. JOSEPH, MO-KS.

    ST. JOSEPH 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 ST. JOSEPH, MO-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 165 7.04% $3,305
    U.S. Bank 54 6.83% $2,806
    HNB National Bank 49 6.84% $1,773
    QUICKEN LOANS, LLC 48 6.93% $5,779
    PRIMELENDING, A PLAINSCAPITAL COMPANY 24 7.44% $3,625
    Commerce Bank 19 6.59% $2,322
    ASSEMBLIES OF GOD Credit Union 18 6.60% $2,098
    FLAT BRANCH MORTGAGE, INC. 16 6.92% $3,466
    Flagstar Bank, FSB 14 6.53% $2,149
    UNITED WHOLESALE MORTGAGE, LLC 14 7.15% $4,354
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 12 6.98% $3,584
    ENDEAVOR CAPITAL, LLC. 12 6.69% $4,070
    COMMUNITYAMERICA 10 6.85% $2,538
    OPEN MORTGAGE, LLC 9 7.03% $4,441
    COMMUNITY MORTGAGE, LLC 9 6.50% $3,280
    UMB Bank 8 6.58% $1,962
    Flanagan State Bank 8 7.48% $3,466
    Mr. Cooper ( Nationstar Mortgage ) 8 7.11% $6,393
    Arvest Bank 8 6.45% $3,493
    Wells Fargo Bank 7 7.16% $3,398
    NBH Bank 7 6.57% $1,999
    FREEDOM MORTGAGE CORPORATION 5 6.85% $8,109
    Prosperity Home Mortgage, LLC 5 7.58% $5,274
    GUILD MORTGAGE COMPANY 5 6.72% $3,776
    CROSSCOUNTRY MORTGAGE, LLC 5 6.67% $4,737
    Mortgage Investment Services Corporation 5 7.08% $2,980
    Community Mortgage Banc Corporation 4 6.59% $2,926
    NBKC BANK 4 6.97% $3,263
    PENNYMAC LOAN SERVICES, LLC 4 6.50% $4,122
    First Bank 4 6.28% $2,762
    BROKER SOLUTIONS, INC. 4 7.53% $5,758
    HALLMARK HOME MORTGAGE, LLC 4 7.28% $4,339
    JPMorgan Chase Bank 4 7.44% $2,166
    LOANDEPOT.COM, LLC 4 7.12% $5,349
    North American Savings Bank, F.S.B. 3 7.50% $3,593
    ROYAL UNITED MORTGAGE LLC 3 6.67% $8,703
    LEADERONE FINANCIAL CORPORATION 3 7.08% $3,586
    First State Bank of St. Charles, Missouri 3 6.25% $4,194
    AMERISAVE MORTGAGE CORPORATION 3 7.25% $10,799
    Stifel Bank and Trust 3 6.29% $1,978
    BMO Harris Bank 3 6.08% $3,103
    Bank of America 2 6.13% $2,697
    DAS Acquisition Company, LLC 2 7.00% $5,434
    MUTUAL OF OMAHA MORTGAGE, INC. 2 7.06% $5,843
    NAVY FEDERAL CREDIT UNION 2 7.50% $1,898
    NEWREZ LLC 2 7.13% $4,459
    First Federal Bank 2 6.94% $3,991
    USAA Federal Savings Bank 2 6.75% $4,490
    Waterstone Mortgage Corporation 2 7.00% $4,511
    THRIVE MORTGAGE, LLC 2 7.13% $3,184
    BOKF 2 7.13% $2,578
    21ST MORTGAGE CORPORATION 2 7.82% $6,059
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.94% $4,516
    Regions Bank 2 7.06% $4,458
    GERSHMAN INVESTMENT CORP. 2 7.81% $2,421
    DELMAR FINANCIAL COMPANY 2 6.63% $0
    The Central Trust Bank 1 6.75% $3,780
    Academy Bank 1 6.13% $3,934
    AMERICAN FINANCING CORPORATION 1 6.50% $7,432
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.63% $4,852
    AmeriHome Mortgage Company, LLC 1 7.99% $6,226
    Bank of England 1 6.88% $3,027
    BETTER MORTGAGE CORPORATION 1 6.63% $4,865
    CALIBER HOME LOANS, INC. 1 7.13% $3,158
    CAPITAL CONCEPTS, INC. 1 7.25% $11,145
    Central National Bank 1 7.88% $1,163
    CMG MORTGAGE, INC. 1 5.75% $6,125
    Colonial Savings, F.A. 1 6.75% $5,156
    Deere Employees Credit Union 1 5.13% $2,660
    Equity Bank 1 7.49% $2,275
    FCS Financial FLCA 1 7.95% $3,034
    First United Bank and Trust Company 1 6.13% $1,739
    GARDNER FINANCIAL SERVICES, LTD. 1 5.88% $6,740
    GENEVA FINANCIAL, LLC 1 6.88% $6,023
    Great Southern Bank 1 5.63% $2,303
    GUARANTEED RATE, INC. 1 6.63% $2,901
    GUIDANCE RESIDENTIAL, LLC 1 6.88% $3,224
    Landmark National Bank 1 6.25% $1,945
    MID AMERICAN 1 8.13% $2,552
    Midwest Mortgage Associates Corporation 1 7.50% $4,115
    Mortgage Research Center, LLC 1 7.88% $499
    NP, Inc. 1 10.62% $7,492
    PENTAGON FEDERAL CREDIT UNION 1 5.75% $9,066
    Plains Commerce Bank 1 8.00% $1,864
    PLAZA HOME MORTGAGE, INC. 1 8.38% $3,264
    S1L, Inc. 1 5.88% $4,759
    Southern Bank 1 7.38% $1,791
    SUMMIT FUNDING, INC. 1 6.88% $3,683
    Think Mutual Bank 1 6.38% $3,751
    Third Federal Savings and Loan Association of Cleveland 1 5.59% $2,728
    UNION HOME MORTGAGE CORP. 1 6.63% $5,841
    United Fidelity Funding Corp. 1 6.99% $4,074

    ST. JOSEPH Average Closing Costs & Other Stats

    ST. JOSEPH, MO-KS's 92 lenders originated 2,055 loans during 2023. The total origination value was $342,195,000, with an average loan value of $166,518.

    ST. JOSEPH's average closing costs are $3,801.

    The top ST. JOSEPH lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 165 loans originated. Their average total fees are $3,305, which is $500 higher than the next largest lender, U.S. Bank.

    The lowest fee ST. JOSEPH lenders (with over 10 loans originated) are HNB National Bank ($1,773), ASSEMBLIES OF GOD Credit Union ($2,098), Flagstar Bank, FSB ($2,149), Commerce Bank ($2,322) and COMMUNITYAMERICA ($2,538).

    The lowest rate ST. JOSEPH lenders (with over 10 loans originated) are Flagstar Bank, FSB (6.53%), Commerce Bank (6.59%), ASSEMBLIES OF GOD Credit Union (6.60%), ENDEAVOR CAPITAL, LLC. (6.69%) and U.S. Bank (6.83%).

    ST. JOSEPH, MO-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 $39,415,000 $48,975,000 24.3% 14.3%
    ORIX REAL ESTATE CAPITAL, LLC $20,935,000 n/a 6.1%
    QUICKEN LOANS, LLC $24,880,000 $17,705,000 -28.8% 5.2%
    The Nodaway Valley Bank $14,525,000 $17,325,000 19.3% 5.1%
    HNB National Bank $16,835,000 $15,620,000 -7.2% 4.6%
    U.S. Bank $25,530,000 $13,850,000 -45.8% 4.0%
    Commerce Bank $13,500,000 $12,635,000 -6.4% 3.7%
    Farmers State Bank $15,265,000 $9,745,000 -36.2% 2.8%
    GREYSTONE SERVICING COMPANY LLC $8,535,000 n/a 2.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $26,020,000 $7,470,000 -71.3% 2.2%
    Flanagan State Bank $7,705,000 $7,150,000 -7.2% 2.1%
    Mortgage Research Center, LLC $10,470,000 $5,875,000 -43.9% 1.7%
    FLAT BRANCH MORTGAGE, INC. $12,550,000 $5,780,000 -53.9% 1.7%
    UNITED WHOLESALE MORTGAGE, LLC $3,425,000 $5,575,000 62.8% 1.6%
    ENDEAVOR CAPITAL, LLC. $6,790,000 $5,425,000 -20.1% 1.6%
    Exchange Bank & Trust $5,190,000 $4,855,000 -6.5% 1.4%
    Arvest Bank $2,875,000 $4,235,000 47.3% 1.2%
    AMERICAN PORTFOLIO MORTGAGE CORPORATION $3,775,000 $4,035,000 6.9% 1.2%
    American Bank of Missouri $4,005,000 n/a 1.2%
    COMMUNITY MORTGAGE, LLC $3,450,000 $3,430,000 -0.6% 1.0%
    LEADERONE FINANCIAL CORPORATION $6,525,000 $3,370,000 -48.4% 1.0%
    Mr. Cooper ( Nationstar Mortgage ) $3,520,000 $3,115,000 -11.5% 0.9%
    DOMINION FINANCIAL SERVICES, LLC $580,000 $3,080,000 431.0% 0.9%
    Flagstar Bank, FSB $5,320,000 $3,080,000 -42.1% 0.9%
    Farmers State Bank $15,265,000 $2,945,000 -80.7% 0.9%
    COMMUNITYAMERICA $4,220,000 $2,835,000 -32.8% 0.8%
    NBH Bank $5,500,000 $2,650,000 -51.8% 0.8%
    BENDENA STATE BANK $2,625,000 n/a 0.8%
    Equity Bank $1,885,000 $2,625,000 39.3% 0.8%
    The Union State Bank of Everest $3,835,000 $2,625,000 -31.6% 0.8%
    Independent Farmers Bank $2,400,000 n/a 0.7%
    OPEN MORTGAGE, LLC $2,695,000 $2,375,000 -11.9% 0.7%
    GUILD MORTGAGE COMPANY $500,000 $2,360,000 372.0% 0.7%
    Mutual Savings Association $3,425,000 $2,335,000 -31.8% 0.7%
    UMB Bank $2,745,000 $2,325,000 -15.3% 0.7%
    FREEDOM MORTGAGE CORPORATION $2,805,000 $2,270,000 -19.1% 0.7%
    PENNYMAC LOAN SERVICES, LLC $1,945,000 $2,185,000 12.3% 0.6%
    ASSEMBLIES OF GOD Credit Union $450,000 $2,135,000 374.4% 0.6%
    21ST MORTGAGE CORPORATION $1,785,000 $2,070,000 16.0% 0.6%
    LOANDEPOT.COM, LLC $5,285,000 $2,015,000 -61.9% 0.6%
    NBKC BANK $1,875,000 $2,000,000 6.7% 0.6%
    NAVY FEDERAL CREDIT UNION $2,325,000 $1,935,000 -16.8% 0.6%
    Wells Bank $2,285,000 $1,810,000 -20.8% 0.5%
    AMERISAVE MORTGAGE CORPORATION $2,925,000 $1,780,000 -39.1% 0.5%
    CROSSCOUNTRY MORTGAGE, LLC $2,340,000 $1,730,000 -26.1% 0.5%
    Wells Fargo Bank $4,000,000 $1,515,000 -62.1% 0.4%
    KS StateBank $5,590,000 $1,490,000 -73.3% 0.4%
    LENDINGHOME FUNDING CORPORATION $760,000 $1,455,000 91.4% 0.4%
    BROKER SOLUTIONS, INC. $710,000 $1,450,000 104.2% 0.4%
    HALLMARK HOME MORTGAGE, LLC $95,000 $1,310,000 1,278.9% 0.4%
    First State Bank of St. Charles, Missouri $445,000 $1,290,000 189.9% 0.4%
    GUARANTEED RATE, INC. $945,000 $1,230,000 30.2% 0.4%
    First Option Bank $3,460,000 $1,205,000 -65.2% 0.4%
    BTC BANK $2,900,000 $1,135,000 -60.9% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $500,000 $1,095,000 119.0% 0.3%
    Old Missouri Bank $1,095,000 n/a 0.3%
    First Bank $580,000 $1,085,000 87.1% 0.3%
    North American Savings Bank, F.S.B. $2,060,000 $1,075,000 -47.8% 0.3%
    DAS Acquisition Company, LLC $1,055,000 $1,030,000 -2.4% 0.3%
    BMO Harris Bank $560,000 $975,000 74.1% 0.3%
    Barrington Bank & Trust Company, N.A. $680,000 $960,000 41.2% 0.3%
    Mortgage Investment Services Corporation $1,665,000 $950,000 -42.9% 0.3%
    Stifel Bank and Trust $1,575,000 $940,000 -40.3% 0.3%
    NEW DAY FINANCIAL, LLC $515,000 $875,000 69.9% 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $2,955,000 $850,000 -71.2% 0.2%
    The Central Trust Bank $3,430,000 $820,000 -76.1% 0.2%
    The Hamilton Bank $805,000 n/a 0.2%
    JPMorgan Chase Bank $2,860,000 $800,000 -72.0% 0.2%
    Southern Bank $780,000 n/a 0.2%
    FCS Financial FLCA $105,000 $750,000 614.3% 0.2%
    USAA Federal Savings Bank $395,000 $740,000 87.3% 0.2%
    Prosperity Home Mortgage, LLC $1,040,000 $725,000 -30.3% 0.2%
    CALIBER HOME LOANS, INC. $2,085,000 $700,000 -66.4% 0.2%
    MID AMERICA MORTGAGE, INC. $1,190,000 $695,000 -41.6% 0.2%
    SUMMIT FUNDING, INC. $2,405,000 $680,000 -71.7% 0.2%
    CARDINAL FINANCIAL $2,375,000 $630,000 -73.5% 0.2%
    Carrington Mortgage Services, LLC $1,515,000 $620,000 -59.1% 0.2%
    GNBank $115,000 $600,000 421.7% 0.2%
    ROYAL UNITED MORTGAGE LLC $325,000 $600,000 84.6% 0.2%
    THRIVE MORTGAGE, LLC $600,000 n/a 0.2%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $185,000 $595,000 221.6% 0.2%
    Bank of America $1,075,000 $570,000 -47.0% 0.2%
    Waterstone Mortgage Corporation $195,000 $540,000 176.9% 0.2%
    Bank Northwest $530,000 n/a 0.2%
    Community Mortgage Banc Corporation $3,280,000 $510,000 -84.5% 0.1%
    S1L, Inc. $175,000 $465,000 165.7% 0.1%
    NEWREZ LLC $1,220,000 $460,000 -62.3% 0.1%
    Figure Lending LLC $95,000 $455,000 378.9% 0.1%
    American Mortgage & Equity Consultants, Inc. $445,000 n/a 0.1%
    United Fidelity Funding Corp. $190,000 $440,000 131.6% 0.1%
    Peoples Bank $400,000 n/a 0.1%
    Think Mutual Bank $395,000 n/a 0.1%
    BOKF $800,000 $390,000 -51.3% 0.1%
    Midwest Mortgage Associates Corporation $385,000 n/a 0.1%
    Bank of Weston $365,000 n/a 0.1%
    NFM, INC. $365,000 n/a 0.1%
    First Federal Bank $285,000 $355,000 24.6% 0.1%
    First United Bank and Trust Company $355,000 n/a 0.1%
    Midland States Bank $355,000 n/a 0.1%
    Regions Bank $105,000 $350,000 233.3% 0.1%
    Academy Bank $345,000 n/a 0.1%
    LIMA ONE CAPITAL, LLC $395,000 $345,000 -12.7% 0.1%
    PENTAGON FEDERAL CREDIT UNION $675,000 $340,000 -49.6% 0.1%
    UNION HOME MORTGAGE CORP. $1,090,000 $335,000 -69.3% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $1,025,000 $330,000 -67.8% 0.1%
    Presidential Bank, FSB $325,000 n/a 0.1%
    Plains Commerce Bank $250,000 $315,000 26.0% 0.1%
    DELMAR FINANCIAL COMPANY $180,000 $310,000 72.2% 0.1%
    CMG MORTGAGE, INC. $705,000 $305,000 -56.7% 0.1%
    New Century Bank $305,000 n/a 0.1%
    CHARTER WEST BANK $295,000 n/a 0.1%
    Discover Bank $255,000 $295,000 15.7% 0.1%
    GERSHMAN INVESTMENT CORP. $1,050,000 $290,000 -72.4% 0.1%
    TOP FLITE FINANCIAL, INC. $490,000 $290,000 -40.8% 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $165,000 $275,000 66.7% 0.1%
    BAYSHORE MORTGAGE FUNDING, LLC $265,000 n/a 0.1%
    Ixonia Bank $265,000 n/a 0.1%
    Landmark National Bank $195,000 $265,000 35.9% 0.1%
    FRONTIER COMMUNITY CREDIT UNION $245,000 n/a 0.1%
    GENEVA FINANCIAL, LLC $270,000 $235,000 -13.0% 0.1%
    The Callaway Bank $235,000 n/a 0.1%
    PLAZA HOME MORTGAGE, INC. $495,000 $230,000 -53.5% 0.1%
    Secured Investment Corp. $230,000 n/a 0.1%
    Deere Employees Credit Union $225,000 n/a 0.1%
    M&T Bank $575,000 $225,000 -60.9% 0.1%
    State Bank of Table Rock $225,000 n/a 0.1%
    Third Federal Savings and Loan Association of Cleveland $335,000 $225,000 -32.8% 0.1%
    HOMEXPRESS MORTGAGE CORP. $220,000 n/a 0.1%
    Central National Bank $215,000 n/a 0.1%
    EVERETT FINANCIAL, INC. $1,235,000 $215,000 -82.6% 0.1%
    PHH Mortgage Corporation $415,000 $215,000 -48.2% 0.1%
    VERIDIAN CREDIT UNION $215,000 n/a 0.1%
    The Federal Savings Bank $1,100,000 $205,000 -81.4% 0.1%
    PNC Bank $85,000 $195,000 129.4% 0.1%
    Alliant Bank $180,000 $190,000 5.6% 0.1%
    AMERICAN HERITAGE LENDING, INC. $95,000 $190,000 100.0% 0.1%
    FINANCE OF AMERICA REVERSE LLC $45,000 $190,000 322.2% 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $190,000 n/a 0.1%
    HOMESTAR FINANCIAL CORPORATION $185,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $540,000 $175,000 -67.6% 0.1%
    BETTER MORTGAGE CORPORATION $325,000 $175,000 -46.2% 0.1%
    First Federal Bank of Kansas City $820,000 $170,000 -79.3% 0.0%
    Armed Forces Bank $65,000 $165,000 153.8% 0.0%
    Country Club Bank $530,000 $165,000 -68.9% 0.0%
    HOMESIDE FINANCIAL, LLC $155,000 $165,000 6.5% 0.0%
    CAPITAL CONCEPTS, INC. $155,000 n/a 0.0%
    GUIDANCE RESIDENTIAL, LLC $255,000 $155,000 -39.2% 0.0%
    Neighborhood Loans, Inc. $310,000 $155,000 -50.0% 0.0%
    NP, Inc. $155,000 n/a 0.0%
    Regional Missouri Bank $155,000 n/a 0.0%
    Equity Prime Mortgage LLC $155,000 $150,000 -3.2% 0.0%
    CHURCHILL MORTGAGE CORPORATION $145,000 n/a 0.0%
    Community First National Bank $145,000 n/a 0.0%
    Northpointe Bank $145,000 n/a 0.0%
    PANORAMA MORTGAGE GROUP, LLC $700,000 $145,000 -79.3% 0.0%
    AMERICAN PACIFIC MORTGAGE CORPORATION $720,000 $135,000 -81.3% 0.0%
    AmeriHome Mortgage Company, LLC $135,000 n/a 0.0%
    Colonial Savings, F.A. $115,000 $135,000 17.4% 0.0%
    AMERITRUST MORTGAGE CORPORATION $125,000 n/a 0.0%
    GARDNER FINANCIAL SERVICES, LTD. $125,000 n/a 0.0%
    LOANPAL, LLC $465,000 $125,000 -73.1% 0.0%
    Sierra Pacific Mortgage Company, Inc. $350,000 $125,000 -64.3% 0.0%
    ACADEMY MORTGAGE CORPORATION $300,000 $120,000 -60.0% 0.0%
    MID AMERICAN $115,000 n/a 0.0%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $105,000 n/a 0.0%
    BAY EQUITY LLC $465,000 $105,000 -77.4% 0.0%
    Farm Credit Mid-America, ACA $605,000 $105,000 -82.6% 0.0%
    Pinnacle Bank $105,000 n/a 0.0%
    Great Southern Bank $280,000 $95,000 -66.1% 0.0%
    LENDINGONE, LLC $85,000 n/a 0.0%
    MEGASTAR FINANCIAL CORP. $1,200,000 $85,000 -92.9% 0.0%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $655,000 $75,000 -88.5% 0.0%
    QUORUM FEDERAL CREDIT UNION $45,000 $75,000 66.7% 0.0%
    Bank of England $240,000 $65,000 -72.9% 0.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $65,000 n/a 0.0%
    First National Bank of America $255,000 $55,000 -78.4% 0.0%
    GREENSTATE CREDIT UNION $55,000 n/a 0.0%
    PLANET HOME LENDING, LLC $210,000 $25,000 -88.1% 0.0%
    ALLIANT CREDIT UNION $15,000 n/a 0.0%
    Frontier Bank $360,000 $15,000 -95.8% 0.0%

    ST. JOSEPH's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 14.3% market share. In second place, with 6.1%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $20,935,000 in loans. In third place, with 5.2%, is QUICKEN LOANS, LLC, having originated $17,705,000 in loans. In fourth place, with 5.1%, is The Nodaway Valley Bank, having originated $17,325,000 in loans. In fifth place, with 4.6%, is HNB National Bank, having originated $15,620,000 in loans.

    ST. JOSEPH Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - ST. JOSEPH (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 $127,725 (19.2%) $185,727 (12.2%) 0.00 411
    2018-02-01 $124,950 (19.0%) $186,756 (16.6%) 0.00 401
    2018-03-01 $130,000 (30.9%) $186,428 (18.5%) 0.00 386
    2018-04-01 $126,175 (14.8%) $184,323 (7.7%) 0.00 388
    2018-05-01 $127,475 (21.9%) $179,080 (5.2%) 0.00 415
    2018-06-01 $126,900 (10.4%) $177,643 (3.3%) 0.00 447
    2018-07-01 $129,700 (5.1%) $174,030 (-0.1%) 0.00 421
    2018-08-01 $132,988 (5.6%) $174,041 (-5.0%) 0.00 434
    2018-09-01 $134,900 (6.9%) $175,929 (-4.6%) 0.00 445
    2018-10-01 $131,950 (2.3%) $166,972 (-10.9%) 0.00 459
    2018-11-01 $131,425 (3.5%) $172,072 (-6.5%) 0.00 455
    2018-12-01 $123,500 (-4.0%) $166,406 (-9.5%) 0.00 440
    2019-01-01 $119,900 (-6.1%) $164,844 (-11.2%) 0.00 418
    2019-02-01 $119,450 (-4.4%) $162,893 (-12.8%) 0.00 378
    2019-03-01 $113,471 (-12.7%) $162,830 (-12.7%) 0.00 355
    2019-04-01 $107,271 (-15.0%) $163,060 (-11.5%) 0.00 333
    2019-05-01 $111,175 (-12.8%) $169,685 (-5.3%) 0.00 325
    2019-06-01 $124,700 (-1.7%) $172,948 (-2.6%) 0.00 369
    2019-07-01 $130,225 (0.4%) $174,018 (0.0%) 0.00 385
    2019-08-01 $133,027 (0.0%) $175,919 (1.1%) 0.00 388
    2019-09-01 $136,893 (1.5%) $180,009 (2.3%) 0.00 386
    2019-10-01 $139,900 (6.0%) $184,107 (10.3%) 0.00 382
    2019-11-01 $128,700 (-2.1%) $176,864 (2.8%) 0.00 371
    2019-12-01 $124,950 (1.2%) $174,037 (4.6%) 0.00 354
    2020-01-01 $115,000 (-4.1%) $168,507 (2.2%) 0.00 321
    2020-02-01 $112,250 (-6.0%) $167,874 (3.1%) 0.00 288
    2020-03-01 $129,225 (13.9%) $189,956 (16.7%) 0.00 267
    2020-04-01 $129,900 (21.1%) $189,563 (16.3%) 0.00 243
    2020-05-01 $152,425 (37.1%) $207,968 (22.6%) 0.00 236
    2020-06-01 $164,900 (32.2%) $209,038 (20.9%) 0.00 209
    2020-07-01 $154,475 (18.6%) $213,874 (22.9%) 0.00 194
    2020-08-01 $139,900 (5.2%) $219,470 (24.8%) 0.00 189
    2020-09-01 $129,450 (-5.4%) $208,812 (16.0%) 0.00 204
    2020-10-01 $127,000 (-9.2%) $196,119 (6.5%) 0.00 203
    2020-11-01 $122,400 (-4.9%) $184,874 (4.5%) 0.00 203
    2020-12-01 $122,397 (-2.0%) $178,356 (2.5%) 0.00 204
    2021-01-01 $115,000 (0.0%) $178,656 (6.0%) 0.00 170
    2021-02-01 $125,000 (11.4%) $181,702 (8.2%) 0.00 146
    2021-03-01 $123,756 (-4.2%) $185,828 (-2.2%) 0.00 133
    2021-04-01 $119,675 (-7.9%) $192,655 (1.6%) 0.00 111
    2021-05-01 $120,000 (-21.3%) $202,479 (-2.6%) 0.00 128
    2021-06-01 $119,900 (-27.3%) $201,462 (-3.6%) 0.00 148
    2021-07-01 $125,000 (-19.1%) $205,779 (-3.8%) 0.00 188
    2021-08-01 $119,800 (-14.4%) $184,993 (-15.7%) 0.00 194
    2021-09-01 $113,875 (-12.0%) $167,758 (-19.7%) 0.00 215
    2021-10-01 $109,900 (-13.5%) $162,223 (-17.3%) 0.00 226
    2021-11-01 $107,700 (-12.0%) $159,179 (-13.9%) 0.00 212
    2021-12-01 $102,750 (-16.1%) $154,150 (-13.6%) 0.00 181
    2022-01-01 $123,450 (7.4%) $160,255 (-10.3%) 0.00 157
    2022-02-01 $118,600 (-5.1%) $184,395 (1.5%) 0.00 130
    2022-03-01 $122,450 (-1.1%) $189,631 (2.1%) 0.00 107
    2022-04-01 $150,000 (25.3%) $213,387 (10.8%) 0.00 106
    2022-05-01 $187,400 (56.2%) $257,210 (27.0%) 0.00 118
    2022-06-01 $166,150 (38.6%) $229,067 (13.7%) 0.00 146
    2022-07-01 $170,000 (36.0%) $228,897 (11.2%) 0.00 169
    2022-08-01 $165,250 (37.9%) $225,605 (22.0%) 0.00 188
    2022-09-01 $165,400 (45.3%) $206,369 (23.0%) 0.00 175
    2022-10-01 $159,900 (45.5%) $193,546 (19.3%) 0.00 182
    2022-11-01 $162,000 (50.4%) $193,903 (21.8%) 0.00 199
    2022-12-01 $160,000 (55.7%) $196,776 (27.7%) 0.00 174
    2023-01-01 $154,925 (25.5%) $192,812 (20.3%) 0.00 145
    2023-02-01 $142,725 (20.3%) $203,189 (10.2%) 0.00 123
    2023-03-01 $149,900 (22.4%) $202,839 (7.0%) 0.00 109
    2023-04-01 $167,450 (11.6%) $216,576 (1.5%) 0.00 113
    2023-05-01 $191,200 (2.0%) $242,685 (-5.7%) 0.00 121
    2023-06-01 $200,975 (21.0%) $253,327 (10.6%) 0.00 143
    2023-07-01 $189,900 (11.7%) $254,147 (11.0%) 0.00 157
    2023-08-01 $181,100 (9.6%) $253,359 (12.3%) 0.00 157
    2023-09-01 $177,500 (7.3%) $232,498 (12.7%) 0.00 181
    2023-10-01 $181,200 (13.3%) $244,218 (26.2%) 0.00 182
    2023-11-01 $177,450 (9.5%) $245,673 (26.7%) 0.00 189
    2023-12-01 $177,500 (10.9%) $245,326 (24.7%) 0.00 191
    2024-01-01 $169,450 (9.4%) $235,703 (22.2%) 0.00 174
    2024-02-01 $154,950 (8.6%) $223,977 (10.2%) 0.00 166
    2024-03-01 $169,900 (13.3%) $240,467 (18.6%) 0.00 141
    2024-04-01 $170,100 (1.6%) $271,074 (25.2%) 0.00 148
    2024-05-01 $189,900 (-0.7%) $291,597 (20.2%) 0.00 157
    2024-06-01 $202,450 (0.7%) $293,952 (16.0%) 0.00 170
    2024-07-01 $190,675 (0.4%) $280,160 (10.2%) 0.00 182
    2024-08-01 $228,000 (25.9%) $292,603 (15.5%) 0.00 192
    2024-09-01 $233,600 (31.6%) $295,548 (27.1%) 0.00 214
    2024-10-01 $221,225 (22.1%) $266,637 (9.2%) 0.00 217
    ST. JOSEPH's median listing price for 2024-10-01 was $221,225, a difference of $40,025 (22.1%) versus the prior year and $-12,375 versus the prior month.

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

    ST. JOSEPH's average listing price for 2024-10-01 was $266,637, a difference of $22,419 (9.2%) versus the prior year and $-28,911 versus the prior month.

    For the 2024-10-01 period, ST. JOSEPH had 217 MLS listings, a difference of 3 listings (1%) versus the prior month and 35 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - ST. JOSEPH (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,566 sqft
    2018-02-01 0 days 1,546 sqft
    2018-03-01 0 days 1,556 sqft
    2018-04-01 0 days 1,543 sqft
    2018-05-01 0 days 1,549 sqft
    2018-06-01 0 days 1,520 sqft
    2018-07-01 0 days 1,454 sqft
    2018-08-01 0 days 1,503 sqft
    2018-09-01 0 days 1,546 sqft
    2018-10-01 0 days 1,533 sqft
    2018-11-01 0 days 1,560 sqft
    2018-12-01 0 days 1,560 sqft
    2019-01-01 0 days 1,561 sqft
    2019-02-01 0 days 1,555 sqft
    2019-03-01 0 days 1,562 sqft
    2019-04-01 0 days 1,550 sqft
    2019-05-01 0 days 1,597 sqft
    2019-06-01 0 days 1,600 sqft
    2019-07-01 0 days 1,613 sqft
    2019-08-01 0 days 1,653 sqft
    2019-09-01 0 days 1,707 sqft
    2019-10-01 0 days 1,733 sqft
    2019-11-01 0 days 1,652 sqft
    2019-12-01 0 days 1,600 sqft
    2020-01-01 0 days 1,584 sqft
    2020-02-01 0 days 1,518 sqft
    2020-03-01 0 days 1,696 sqft
    2020-04-01 0 days 1,667 sqft
    2020-05-01 0 days 1,736 sqft
    2020-06-01 0 days 1,719 sqft
    2020-07-01 0 days 1,668 sqft
    2020-08-01 0 days 1,652 sqft
    2020-09-01 0 days 1,568 sqft
    2020-10-01 0 days 1,576 sqft
    2020-11-01 0 days 1,524 sqft
    2020-12-01 0 days 1,483 sqft
    2021-01-01 0 days 1,555 sqft
    2021-02-01 0 days 1,568 sqft
    2021-03-01 0 days 1,525 sqft
    2021-04-01 0 days 1,512 sqft
    2021-05-01 0 days 1,577 sqft
    2021-06-01 0 days 1,500 sqft
    2021-07-01 0 days 1,500 sqft
    2021-08-01 0 days 1,524 sqft
    2021-09-01 0 days 1,482 sqft
    2021-10-01 0 days 1,440 sqft
    2021-11-01 0 days 1,349 sqft
    2021-12-01 0 days 1,352 sqft
    2022-01-01 0 days 1,316 sqft
    2022-02-01 0 days 1,338 sqft
    2022-03-01 0 days 1,383 sqft
    2022-04-01 0 days 1,553 sqft
    2022-05-01 0 days 1,716 sqft
    2022-06-01 0 days 1,589 sqft
    2022-07-01 0 days 1,584 sqft
    2022-08-01 0 days 1,526 sqft
    2022-09-01 0 days 1,555 sqft
    2022-10-01 0 days 1,476 sqft
    2022-11-01 0 days 1,458 sqft
    2022-12-01 0 days 1,524 sqft
    2023-01-01 0 days 1,459 sqft
    2023-02-01 0 days 1,342 sqft
    2023-03-01 0 days 1,427 sqft
    2023-04-01 0 days 1,594 sqft
    2023-05-01 0 days 1,620 sqft
    2023-06-01 0 days 1,656 sqft
    2023-07-01 0 days 1,640 sqft
    2023-08-01 0 days 1,685 sqft
    2023-09-01 0 days 1,594 sqft
    2023-10-01 0 days 1,574 sqft
    2023-11-01 0 days 1,689 sqft
    2023-12-01 0 days 1,710 sqft
    2024-01-01 0 days 1,598 sqft
    2024-02-01 0 days 1,588 sqft
    2024-03-01 0 days 1,594 sqft
    2024-04-01 0 days 1,572 sqft
    2024-05-01 0 days 1,725 sqft
    2024-06-01 0 days 1,716 sqft
    2024-07-01 0 days 1,725 sqft
    2024-08-01 0 days 1,688 sqft
    2024-09-01 0 days 1,704 sqft
    2024-10-01 0 days 1,659 sqft
    ST. JOSEPH's median listing age (time on market) for 2024-10-01 was 0 days.

    ST. JOSEPH's median square footage for active listings during the 2024-10-01 period was 1,659 sqft. One year prior, the average listing was 1,574 sqft.

    ST. JOSEPH, MO-KS Average Rent (2023)

    Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

    For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
    Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
    64401 St. Joseph, MO-KS MSA $590 $670 $880 $1,140 $1,230
    64421 St. Joseph, MO-KS MSA $720 $820 $1,080 $1,400 $1,510
    64422 St. Joseph, MO-KS MSA $560 $640 $830 $1,080 $1,170
    64423 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
    64427 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
    64429 St. Joseph, MO-KS MSA $720 $810 $990 $1,300 $1,460
    64430 St. Joseph, MO-KS MSA $530 $610 $800 $1,040 $1,120
    64436 St. Joseph, MO-KS MSA $630 $680 $900 $1,190 $1,270
    64439 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
    64440 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
    64443 St. Joseph, MO-KS MSA $590 $670 $870 $1,130 $1,230
    64444 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
    64448 St. Joseph, MO-KS MSA $550 $630 $830 $1,080 $1,160
    64449 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
    64454 St. Joseph, MO-KS MSA $710 $800 $940 $1,240 $1,430
    64455 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
    64457 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
    64459 St. Joseph, MO-KS MSA $560 $640 $840 $1,090 $1,180
    64463 St. Joseph, MO-KS MSA $570 $650 $850 $1,100 $1,190
    64469 St. Joseph, MO-KS MSA $570 $650 $850 $1,100 $1,190
    64474 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
    64480 St. Joseph, MO-KS MSA $560 $630 $830 $1,070 $1,160
    64483 St. Joseph, MO-KS MSA $550 $620 $810 $1,050 $1,140
    64484 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
    64485 St. Joseph, MO-KS MSA $580 $650 $860 $1,120 $1,210
    64490 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
    64494 St. Joseph, MO-KS MSA $570 $650 $850 $1,100 $1,180
    64497 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
    64501 St. Joseph, MO-KS MSA $550 $620 $820 $1,060 $1,150
    64502 St. Joseph, MO-KS MSA $600 $680 $900 $1,170 $1,260
    64503 St. Joseph, MO-KS MSA $660 $750 $990 $1,280 $1,390
    64504 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
    64505 St. Joseph, MO-KS MSA $630 $710 $940 $1,220 $1,320
    64506 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
    64507 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
    64508 St. Joseph, MO-KS MSA $600 $680 $900 $1,170 $1,260
    64670 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
    66002 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
    66008 St. Joseph, MO-KS MSA $540 $600 $790 $1,020 $1,120
    66017 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
    66024 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
    66035 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
    66041 St. Joseph, MO-KS MSA $550 $620 $820 $1,060 $1,150
    66087 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
    66090 St. Joseph, MO-KS MSA $600 $680 $900 $1,170 $1,260
    66094 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
    66532 St. Joseph, MO-KS MSA $700 $800 $1,050 $1,360 $1,470

    2022 Average & Median Rent Data Statistics
    ST. JOSEPH, MO-KS average 1BR rent: $683, median: $670
    ST. JOSEPH, MO-KS average 2BR rent: $878, median: $880
    ST. JOSEPH, MO-KS average 3BR rent: $1,142, median: $1,140

    ST. JOSEPH, MO-KS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,353 $256,465,000 $189,553
    Refi 232 $36,310,000 $156,509
    Cash Out Refi 222 $32,120,000 $144,685
    Other 127 $8,715,000 $68,622
    Home Improvement 121 $8,585,000 $70,950

    St. Joseph's most frequently cited loan purpose was Home Purchase, with 1,353 originations. The 2nd most popular reason was Refi, with 232 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 704 $117,770,000 $167,287
    7-8% 501 $84,015,000 $167,695
    Over 8% 217 $27,825,000 $128,226
    5-6% 128 $23,440,000 $183,125
    2.5-3% 24 $1,820,000 $75,833
    <2.5% 21 $21,335,000 $1,015,952
    4-5% 13 $2,365,000 $181,923
    3-4% 3 $385,000 $128,333

    During 2023, St. Joseph's most frequently originated rate bucket was 6-7%, with 704 originations.

    Loan Sizing (ST. JOSEPH, MO-KS MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 795 $114,935,000 $144,572
    $100,000 or less 761 $42,465,000 $55,802
    $200k-400k 427 $113,565,000 $265,960
    $400k-600k 51 $23,585,000 $462,451
    $600k-1000k 15 $10,805,000 $720,333
    $Over $1MM 6 $36,840,000 $6,140,000

    ST. JOSEPH's loan sizing saw the bucket of loans from $100k-200k with 795 originations, totaling $114,935,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 865 $165,025,000 $190,780
    60-80% 368 $64,730,000 $175,897
    Under 20% 176 $8,350,000 $47,443
    40-60% 112 $14,730,000 $131,518
    20-40% 106 $6,960,000 $65,660
    Over 100% 26 $26,700,000 $1,026,923

    ST. JOSEPH's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 865 originations, totaling $165,025,000 in origination value.