Branson Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Branson averaged
7.02%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.75% and
one month ago for the week of 2024-10-03, the
average rate was 6.25%.
Branson's average rate one year ago was 7.99%.
For refis of the same type during the week of 2024-11-07, the average rate
was 7.39%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Branson 30 Year Fixed Rate | 2024-11-07 | 7.02% |
| Branson 30 Year Fixed Rate Refi | 2024-11-07 | 7.39% |
| Branson 15 Year Fixed Rate | 2024-11-07 | 6.1% |
| Branson 15 Year Fixed Rate Refi | 2024-11-07 | 5.9% |
| Branson 30 Year FHA | 2024-11-07 | 6.26% |
| Branson 30 Year FHA Refi | 2024-11-07 | 6.33% |
| Branson 30 Year USDA | 2024-11-07 | 6.68% |
| Branson 30 Year USDA Refi | 2024-11-07 | 6.68% |
| Branson 30 Year VA | 2024-11-07 | 6.34% |
| Branson 30 Year VA Refi | 2024-11-07 | 6.54% |
Branson 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 Branson, 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.).
Branson Average Closing Costs & Other Stats
Branson, MO's 92 lenders originated 1,081
loans during 2023. The total origination value was $239,795,000, with an average loan value of
$221,827.
Branson's average closing costs are $3,965.
The top Branson lender as defined by loan originations is The Central Trust Bank, with
86 loans originated. Their average total fees are
$3,650, which is $23
lower than the next largest lender,
Arvest Bank.
The lowest fee Branson lenders (with over 10 loans originated) are
The Bank of Missouri ($2,897), Great Southern Bank ($2,956), Simmons Bank ($3,006), Hawthorn Bank ($3,226) and GERSHMAN INVESTMENT CORP. ($3,461).
The lowest rate Branson lenders (with over 10 loans originated) are
The Bank of Missouri (6.10%), Great Southern Bank (6.49%), Arvest Bank (6.68%), QUICKEN LOANS, LLC (6.82%) and GERSHMAN INVESTMENT CORP. (6.85%).
Branson, 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 | $36,010,000 | $26,995,000 | -25.0% | 11.3% |
| QUICKEN LOANS, LLC | $18,050,000 | $12,950,000 | -28.3% | 5.4% |
| Arvest Bank | $17,170,000 | $10,830,000 | -36.9% | 4.5% |
| Simmons Bank | $18,640,000 | $9,475,000 | -49.2% | 4.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $18,020,000 | $8,960,000 | -50.3% | 3.7% |
| FLAT BRANCH MORTGAGE, INC. | $9,100,000 | $7,990,000 | -12.2% | 3.3% |
| People's Bank of Seneca | $175,000 | $7,510,000 | 4,191.4% | 3.1% |
| PEOPLES STATE BANK | $7,255,000 | n/a | 3.0% | |
| The Bank of Missouri | $5,495,000 | $5,910,000 | 7.6% | 2.5% |
| Old Missouri Bank | $795,000 | $5,365,000 | 574.8% | 2.2% |
| Mortgage Research Center, LLC | $5,620,000 | $5,295,000 | -5.8% | 2.2% |
| GERSHMAN INVESTMENT CORP. | $9,305,000 | $4,560,000 | -51.0% | 1.9% |
| Great Southern Bank | $11,675,000 | $4,075,000 | -65.1% | 1.7% |
| U.S. Bank | $5,920,000 | $3,680,000 | -37.8% | 1.5% |
| CARDINAL FINANCIAL | $375,000 | $3,640,000 | 870.7% | 1.5% |
| DAS Acquisition Company, LLC | $10,305,000 | $3,220,000 | -68.8% | 1.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $3,915,000 | $3,110,000 | -20.6% | 1.3% |
| Hawthorn Bank | $10,505,000 | $2,915,000 | -72.3% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $2,615,000 | $2,825,000 | 8.0% | 1.2% |
| KS StateBank | $2,770,000 | n/a | 1.2% | |
| Southern Bank | $5,040,000 | $2,745,000 | -45.5% | 1.1% |
| Oakstar Bank | $4,150,000 | $2,715,000 | -34.6% | 1.1% |
| ASSEMBLIES OF GOD Credit Union | $14,500,000 | $2,705,000 | -81.3% | 1.1% |
| BROKER SOLUTIONS, INC. | $2,485,000 | $2,620,000 | 5.4% | 1.1% |
| Ozark Bank | $2,755,000 | $2,575,000 | -6.5% | 1.1% |
| Commerce Bank | $1,905,000 | $2,475,000 | 29.9% | 1.0% |
| BancorpSouth | $2,210,000 | $2,305,000 | 4.3% | 1.0% |
| Regions Bank | $1,770,000 | $2,260,000 | 27.7% | 0.9% |
| AMWEST FUNDING CORP. | $1,985,000 | n/a | 0.8% | |
| BLUCURRENT | $900,000 | $1,910,000 | 112.2% | 0.8% |
| Ameris Bank | $225,000 | $1,730,000 | 668.9% | 0.7% |
| FIRST SOUTH FINANCIAL | $1,705,000 | n/a | 0.7% | |
| NAVY FEDERAL CREDIT UNION | $1,375,000 | $1,695,000 | 23.3% | 0.7% |
| Mid America Bank | $380,000 | $1,615,000 | 325.0% | 0.7% |
| PNC Bank | $1,525,000 | n/a | 0.6% | |
| Springfield First Community Bank | $3,945,000 | $1,465,000 | -62.9% | 0.6% |
| Capitol Federal Savings Bank | $2,595,000 | $1,390,000 | -46.4% | 0.6% |
| Wells Fargo Bank | $3,405,000 | $1,365,000 | -59.9% | 0.6% |
| Generations Bank | $305,000 | $1,340,000 | 339.3% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,845,000 | $1,295,000 | -54.5% | 0.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $360,000 | $1,290,000 | 258.3% | 0.5% |
| PENTAGON FEDERAL CREDIT UNION | $150,000 | $1,240,000 | 726.7% | 0.5% |
| Sunflower Bank | $205,000 | $1,240,000 | 504.9% | 0.5% |
| Sullivan Bank | $3,165,000 | $1,225,000 | -61.3% | 0.5% |
| GUILD MORTGAGE COMPANY | $1,050,000 | $1,195,000 | 13.8% | 0.5% |
| LOANDEPOT.COM, LLC | $10,965,000 | $1,190,000 | -89.1% | 0.5% |
| Servion, Inc. | $2,395,000 | $1,165,000 | -51.4% | 0.5% |
| Logan Finance Corporation | $1,100,000 | n/a | 0.5% | |
| CROSSCOUNTRY MORTGAGE, LLC | $700,000 | $1,055,000 | 50.7% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $305,000 | $1,055,000 | 245.9% | 0.4% |
| Stride Bank | $1,045,000 | n/a | 0.4% | |
| Equity Bank | $920,000 | $970,000 | 5.4% | 0.4% |
| First State Bank of St. Charles, Missouri | $320,000 | $970,000 | 203.1% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $1,525,000 | $955,000 | -37.4% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $945,000 | n/a | 0.4% | |
| NEW DAY FINANCIAL, LLC | $1,320,000 | $905,000 | -31.4% | 0.4% |
| Prosperity Home Mortgage, LLC | $790,000 | $885,000 | 12.0% | 0.4% |
| Amarillo National Bank | $865,000 | n/a | 0.4% | |
| Mid-Missouri Bank | $1,130,000 | $865,000 | -23.5% | 0.4% |
| OCMBC, INC. | $420,000 | $845,000 | 101.2% | 0.4% |
| Southwest Missouri Bank | $825,000 | n/a | 0.3% | |
| Mid-America Bank | $345,000 | $810,000 | 134.8% | 0.3% |
| The Federal Savings Bank | $885,000 | $780,000 | -11.9% | 0.3% |
| Pinnacle Bank | $530,000 | $755,000 | 42.5% | 0.3% |
| NEWREZ LLC | $620,000 | $750,000 | 21.0% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $4,070,000 | $715,000 | -82.4% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $500,000 | $710,000 | 42.0% | 0.3% |
| Midwest Mortgage Associates Corporation | $455,000 | $630,000 | 38.5% | 0.3% |
| Bank of America | $950,000 | $610,000 | -35.8% | 0.3% |
| River Region Credit Union | $180,000 | $605,000 | 236.1% | 0.3% |
| Farmers and Merchants Bank of St. Clair | $175,000 | $590,000 | 237.1% | 0.2% |
| First Bank | $295,000 | $590,000 | 100.0% | 0.2% |
| DOMINION FINANCIAL SERVICES, LLC | $270,000 | $580,000 | 114.8% | 0.2% |
| Anstaff Bank | $1,070,000 | $575,000 | -46.3% | 0.2% |
| Cornerstone Bank | $460,000 | $570,000 | 23.9% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $645,000 | $555,000 | -14.0% | 0.2% |
| NBH Bank | $45,000 | $535,000 | 1,088.9% | 0.2% |
| First Savings Bank | $520,000 | n/a | 0.2% | |
| Wood & Huston Bank | $315,000 | $520,000 | 65.1% | 0.2% |
| First National Bank of North Arkansas | $505,000 | n/a | 0.2% | |
| JPMorgan Chase Bank | $805,000 | $505,000 | -37.3% | 0.2% |
| PLANET HOME LENDING, LLC | $1,090,000 | $505,000 | -53.7% | 0.2% |
| NFM, INC. | $485,000 | n/a | 0.2% | |
| CMG MORTGAGE, INC. | $760,000 | $480,000 | -36.8% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $125,000 | $475,000 | 280.0% | 0.2% |
| Bank of Washington | $465,000 | n/a | 0.2% | |
| HNB National Bank | $465,000 | n/a | 0.2% | |
| MISSOURI ELECTRIC COOPERATIVES EMPL | $780,000 | $465,000 | -40.4% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $375,000 | $455,000 | 21.3% | 0.2% |
| BNC National Bank | $875,000 | $455,000 | -48.0% | 0.2% |
| First Trust Bank of Illinois | $455,000 | n/a | 0.2% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $440,000 | n/a | 0.2% | |
| VANTAGE Credit Union | $290,000 | $440,000 | 51.7% | 0.2% |
| TelComm Credit Union | $435,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $435,000 | n/a | 0.2% | |
| CHURCHILL MORTGAGE CORPORATION | $890,000 | $430,000 | -51.7% | 0.2% |
| Equity Prime Mortgage LLC | $490,000 | $430,000 | -12.2% | 0.2% |
| F & C Bank | $410,000 | $430,000 | 4.9% | 0.2% |
| Carrington Mortgage Services, LLC | $125,000 | $425,000 | 240.0% | 0.2% |
| United Community Bank | $455,000 | $425,000 | -6.6% | 0.2% |
| Northpointe Bank | $135,000 | $420,000 | 211.1% | 0.2% |
| First National Bank of Omaha | $405,000 | $405,000 | 0.0% | 0.2% |
| COMMUNITYAMERICA | $795,000 | $390,000 | -50.9% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $3,065,000 | $375,000 | -87.8% | 0.2% |
| The Nodaway Valley Bank | $545,000 | $360,000 | -33.9% | 0.2% |
| Bank Star | $350,000 | n/a | 0.1% | |
| Discover Bank | $575,000 | $325,000 | -43.5% | 0.1% |
| AMERICAN FINANCING CORPORATION | $385,000 | $305,000 | -20.8% | 0.1% |
| Morton Community Bank | $305,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $1,040,000 | $305,000 | -70.7% | 0.1% |
| GUARANTEED RATE, INC. | $610,000 | $285,000 | -53.3% | 0.1% |
| Citizens Bank of Kansas | $275,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $1,250,000 | $275,000 | -78.0% | 0.1% |
| VERIDIAN CREDIT UNION | $270,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $810,000 | $265,000 | -67.3% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $315,000 | $260,000 | -17.5% | 0.1% |
| BAYSHORE MORTGAGE FUNDING, LLC | $255,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $255,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $715,000 | $255,000 | -64.3% | 0.1% |
| United Bank of Union | $1,330,000 | $255,000 | -80.8% | 0.1% |
| b1BANK | $245,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $245,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $245,000 | n/a | 0.1% | |
| Home Federal Bank | $245,000 | n/a | 0.1% | |
| Bankers Trust Company | $235,000 | n/a | 0.1% | |
| Citibank | $235,000 | n/a | 0.1% | |
| CU Community Credit Union | $15,310,000 | $230,000 | -98.5% | 0.1% |
| Plains Commerce Bank | $980,000 | $230,000 | -76.5% | 0.1% |
| AHL FUNDING | $225,000 | n/a | 0.1% | |
| Bank of England | $905,000 | $225,000 | -75.1% | 0.1% |
| Citizens Bank | $205,000 | $225,000 | 9.8% | 0.1% |
| Citizens' Bank & Trust Co. | $225,000 | n/a | 0.1% | |
| Community National Bank | $225,000 | n/a | 0.1% | |
| FIRST COMMUNITY | $530,000 | $225,000 | -57.5% | 0.1% |
| First Federal Bank | $225,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $225,000 | n/a | 0.1% | |
| First Community Bank | $1,590,000 | $220,000 | -86.2% | 0.1% |
| Freedom Bank of Southern Missouri | $135,000 | $210,000 | 55.6% | 0.1% |
| First Mid Bank & Trust | $205,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $960,000 | $205,000 | -78.6% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $195,000 | n/a | 0.1% | |
| ALLIANCE CREDIT UNION | $135,000 | $195,000 | 44.4% | 0.1% |
| Bank of Dixon County | $195,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $195,000 | n/a | 0.1% | |
| PEOPLES BANK & TRUST CO. | $95,000 | $195,000 | 105.3% | 0.1% |
| Stockmens Bank | $490,000 | $195,000 | -60.2% | 0.1% |
| FARMERS STATE BANK, S/B | $185,000 | n/a | 0.1% | |
| First Guaranty Bank | $185,000 | n/a | 0.1% | |
| First Western Bank | $185,000 | n/a | 0.1% | |
| Bank of Odessa | $155,000 | $175,000 | 12.9% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,490,000 | $175,000 | -88.3% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $175,000 | n/a | 0.1% | |
| First Midwest Bank of Dexter | $880,000 | $175,000 | -80.1% | 0.1% |
| First National Bank of Waterloo | $790,000 | $175,000 | -77.8% | 0.1% |
| HomeBank | $175,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $155,000 | $175,000 | 12.9% | 0.1% |
| National Bank of St. Anne | $175,000 | n/a | 0.1% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $175,000 | n/a | 0.1% | |
| LOANPAL, LLC | $1,095,000 | $165,000 | -84.9% | 0.1% |
| MORTGAGE FINANCIAL SERVICES, LLC | $670,000 | $165,000 | -75.4% | 0.1% |
| Peoples Bank | $165,000 | n/a | 0.1% | |
| Priority Bank | $165,000 | n/a | 0.1% | |
| Figure Lending LLC | $160,000 | n/a | 0.1% | |
| First State Community Bank | $285,000 | $160,000 | -43.9% | 0.1% |
| The Seymour Bank | $135,000 | $160,000 | 18.5% | 0.1% |
| Fidelity Bank | $300,000 | $155,000 | -48.3% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $1,165,000 | $155,000 | -86.7% | 0.1% |
| MORTGAGE SOLUTIONS LLC | $155,000 | n/a | 0.1% | |
| Citizens Bank of Rogersville | $270,000 | $150,000 | -44.4% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $145,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $135,000 | $135,000 | 0.0% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $195,000 | $135,000 | -30.8% | 0.1% |
| Regent Bank | $10,070,000 | $125,000 | -98.8% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $115,000 | n/a | 0.0% | |
| FCB Banks | $105,000 | $115,000 | 9.5% | 0.0% |
| NBKC BANK | $530,000 | $115,000 | -78.3% | 0.0% |
| 21ST MORTGAGE CORPORATION | $420,000 | $110,000 | -73.8% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $745,000 | $105,000 | -85.9% | 0.0% |
| First State Bank Nebraska | $105,000 | n/a | 0.0% | |
| Mazuma Credit Union | $105,000 | n/a | 0.0% | |
| Landmark National Bank | $185,000 | $95,000 | -48.6% | 0.0% |
| The Citizens Bank of Edmond | $95,000 | n/a | 0.0% | |
| First Bank of Manhattan | $85,000 | n/a | 0.0% | |
| Truity Federal Credit Union | $85,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $105,000 | $75,000 | -28.6% | 0.0% |
| CORNING | $65,000 | n/a | 0.0% | |
| Transportation Federal Credit Union | $55,000 | n/a | 0.0% | |
| Gateway First Bank | $605,000 | $35,000 | -94.2% | 0.0% |
| SPRING EQ, LLC | $35,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $35,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $25,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $35,000 | $25,000 | -28.6% | 0.0% |
Branson's top lender by overall market share is The Central Trust Bank, with 11.3% market share. In second place, with 5.4%, is QUICKEN LOANS, LLC, having originated $12,950,000 in loans. In third place, with 4.5%, is Arvest Bank, having originated $10,830,000 in loans. In fourth place, with 4.0%, is Simmons Bank, having originated $9,475,000 in loans. In fifth place, with 3.7%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $8,960,000 in loans.
Branson, MO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 702 | $172,850,000 | $246,225 |
| Cash Out Refi | 99 | $17,845,000 | $180,253 |
| Other | 95 | $8,945,000 | $94,158 |
| Refi | 95 | $32,415,000 | $341,211 |
| Home Improvement | 90 | $7,740,000 | $86,000 |
Branson's most frequently cited loan purpose was Home Purchase, with 702 originations. The 2nd most popular reason was Cash Out Refi, with 99 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 381 | $81,305,000 | $213,399 |
| 7-8% | 300 | $63,450,000 | $211,500 |
| Over 8% | 189 | $28,715,000 | $151,931 |
| 5-6% | 109 | $25,825,000 | $236,927 |
| 2.5-3% | 7 | $825,000 | $117,857 |
| 4-5% | 6 | $2,110,000 | $351,667 |
| <2.5% | 4 | $300,000 | $75,000 |
During 2023, Branson's most frequently originated rate bucket was 6-7%, with 381 originations.
Loan Sizing (Branson, MO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 384 | $57,540,000 | $149,844 |
| $200k-400k | 345 | $91,775,000 | $266,014 |
| $100,000 or less | 247 | $13,725,000 | $55,567 |
| $400k-600k | 62 | $29,770,000 | $480,161 |
| $600k-1000k | 35 | $25,475,000 | $727,857 |
| $Over $1MM | 8 | $21,510,000 | $2,688,750 |
Branson's loan sizing saw the bucket of loans from $100k-200k with 384 originations, totaling $57,540,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 397 | $97,095,000 | $244,572 |
| 60-80% | 251 | $64,345,000 | $256,355 |
| 40-60% | 113 | $20,545,000 | $181,814 |
| Under 20% | 113 | $5,385,000 | $47,655 |
| 20-40% | 109 | $11,855,000 | $108,761 |
| Over 100% | 9 | $2,765,000 | $307,222 |
Branson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 397 originations, totaling $97,095,000 in origination value.