CAPE GIRARDEAU Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Cape Girardeau averaged 6.25% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 5.92% and one month ago for the week of 2022-05-19, the average rate was 5.49%.

Cape Girardeau's average rate one year ago was 3.31%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.13%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Cape Girardeau 30 Year Fixed Rate 2022-06-23 6.25%
Cape Girardeau 30 Year Fixed Rate Refi 2022-06-23 6.13%
Cape Girardeau 15 Year Fixed Rate 2022-06-23 5.46%
Cape Girardeau 15 Year Fixed Rate Refi 2022-06-23 5.39%
Cape Girardeau 30 Year FHA 2022-06-23 -0.04%
Cape Girardeau 30 Year FHA Refi 2022-06-23 -0.14%
Cape Girardeau 30 Year USDA 2022-06-23 -0.18%
Cape Girardeau 30 Year USDA Refi 2022-06-23 0.02%
Cape Girardeau 30 Year VA 2022-06-23 0.31%
Cape Girardeau 30 Year VA Refi 2022-06-23 0.14%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CAPE GIRARDEAU, MO-IL.

CAPE GIRARDEAU Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the CAPE GIRARDEAU, MO-IL 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
The Bank of Missouri 138 2.92% $2,483
QUICKEN LOANS, LLC 103 3.10% $4,238
U.S. Bank 87 3.10% $2,145
First State Community Bank 81 3.13% $2,274
Wells Fargo Bank 78 2.97% $2,209
DAS Acquisition Company, LLC 72 3.19% $2,800
Southern Bank 62 3.38% $1,723
FLAT BRANCH MORTGAGE, INC. 41 3.36% $2,646
PLANET HOME LENDING, LLC 40 2.96% $2,411
UNITED WHOLESALE MORTGAGE, LLC 38 3.01% $5,316
Regions Bank 31 3.37% $2,377
Wood & Huston Bank 30 3.66% $1,934
GERSHMAN INVESTMENT CORP. 29 3.38% $2,711
GUILD MORTGAGE COMPANY 29 3.23% $3,084
DELMAR FINANCIAL COMPANY 28 3.22% $2,515
CALIBER HOME LOANS, INC. 25 3.01% $3,718
Commerce Bank 23 3.43% $2,417
LOANDEPOT.COM, LLC 22 3.10% $4,214
First Guaranty Mortgage Corporation 15 3.13% $4,646
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 3.21% $2,757
GUARANTEED RATE, INC. 13 3.15% $2,702
MOVEMENT MORTGAGE, LLC 13 3.09% $2,796
Flagstar Bank, FSB 13 3.27% $2,723
AMERISAVE MORTGAGE CORPORATION 11 3.00% $3,735
BETTER MORTGAGE CORPORATION 11 3.05% $3,520
ENDEAVOR CAPITAL, LLC. 10 3.23% $3,411
Truist Bank 7 2.87% $2,399
NEWREZ LLC 6 3.12% $3,055
HALLMARK HOME MORTGAGE, LLC 6 3.21% $3,319
BROKER SOLUTIONS, INC. 6 3.21% $4,015
JPMorgan Chase Bank 5 3.15% $2,547
ROYAL UNITED MORTGAGE LLC 5 3.48% $5,787
Mr. Cooper ( Nationstar Mortgage ) 5 3.28% $3,248
NAVY FEDERAL CREDIT UNION 4 2.84% $1,298
Citizens Bank 4 3.09% $2,371
Bank of America 4 2.97% $4,385
PENNYMAC LOAN SERVICES, LLC 4 3.12% $4,020
LEADERONE FINANCIAL CORPORATION 4 3.12% $3,122
Arvest Bank 4 3.19% $2,856
FREEDOM MORTGAGE CORPORATION 4 3.56% $2,978
Flanagan State Bank 3 3.17% $4,590
Enterprise Bank & Trust 3 2.92% $2,185
FIRST COMMUNITY MORTGAGE, INC. 3 2.75% $2,579
Great Southern Bank 3 3.08% $3,000
PNC Bank 3 3.13% $4,151
HOME POINT FINANCIAL CORPORATION 3 2.83% $3,121
First State Bank of St. Charles, Missouri 3 3.13% $2,683
ZILLOW HOME LOANS, LLC 2 3.00% $2,200
AMERICAN FINANCING CORPORATION 2 3.44% $3,909
Associated Bank 2 3.00% $2,610
Carrington Mortgage Services, LLC 2 3.25% $4,319
CELEBRITY HOME LOANS, LLC 2 3.00% $4,498
First Horizon Bank 2 3.81% $2,346
GENEVA FINANCIAL, LLC 2 3.19% $3,146
GUARANTEED RATE AFFINITY, LLC 2 2.99% $1,820
HOMESIDE FINANCIAL, LLC 2 3.06% $5,677
LOANPAL, LLC 2 3.31% $4,894
MISSOURI Credit Union 2 2.94% $2,142
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.18% $2,094
PHH Mortgage Corporation 2 4.13% $5,059
PREMIA MORTGAGE, LLC 2 2.81% $58
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 4.12% $2,719
SOUTHWEST FUNDING, LP 2 3.43% $5,101
Sullivan Bank 2 3.13% $1,584
Midwest BankCentre 1 3.13% $1,884
USAA Federal Savings Bank 1 2.63% $2,858
MISSOURI ELECTRIC COOPERATIVES EMPL 1 3.13% $2,225
Mortgage Research Center, LLC 1 2.75% $2,352
First Bank 1 2.88% $2,275
FCB Banks 1 2.88% $2,354
AMERICAN PACIFIC MORTGAGE CORPORATION 1 2.75% $2,666
Nations Lending Corporation 1 3.50% $7,422
FAMILY FINANCE MORTGAGE, LLC 1 3.25% $2,212
EVANSVILLE TEACHERS 1 2.88% $3,144
NP, Inc. 1 3.50% $2,592
ON Q FINANCIAL, INC. 1 2.99% $2,763
Paramount Residential Mortgage Group, Inc. 1 2.99% $3,281
EMBRACE HOME LOANS, INC. 1 2.88% $3,626
U S WIDE FINANCIAL LLC 1 2.50% $1,841
Pinnacle Bank 1 3.38% $2,375
COMMUNITY MORTGAGE, LLC 1 2.88% $2,329
Community Mortgage Banc Corporation 1 3.33% $2,575
Ally Bank 1 3.00% $4,335
West Gate Bank 1 2.88% $1,607
Prosperity Home Mortgage, LLC 1 3.25% $2,603
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.88% $2,803
Colonial Savings, F.A. 1 3.38% $4,718
Quontic Bank 1 5.38% $9,025
Raymond James Bank 1 3.63% $1,555
CMG MORTGAGE, INC. 1 3.63% $1,874
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 2.88% $5,863
SCOTT CREDIT UNION 1 3.63% $2,045
Servion, Inc. 1 3.38% $1,936
Sierra Pacific Mortgage Company, Inc. 1 2.88% $1,976
Boeing Employees Credit Union 1 3.13% $1,567
ALLIANT CREDIT UNION 1 3.25% $3,374
Springfield First Community Bank 1 2.50% $1,720
Stifel Bank and Trust 1 2.88% $1,770
ACCESS CAPITAL FUNDING, L.L.C. 1 2.88% $2,478
Bell Bank 1 2.99% $3,310
THRIVENT Federal Credit Union 1 3.50% $1,900
TIAA, FSB 1 3.50% $3,791
TOP FLITE FINANCIAL, INC. 1 3.00% $7,901
BAYSHORE MORTGAGE FUNDING, LLC 1 2.88% $2,190
HomeBank 1 2.75% $1,070
United Fidelity Funding Corp. 1 3.25% $2,408
FRONTIER FINANCIAL, INC. 1 2.88% $4,310
KS StateBank 1 3.13% $3,804
FirstTrust Home Loans, Inc. 1 2.75% $2,590
First Savings Bank 1 2.88% $2,391
AmeriHome Mortgage Company, LLC 1 3.25% $3,402
Magnolia Bank 1 3.13% $2,234
Manufacturers and Traders Trust Company 1 3.63% $2,369

CAPE GIRARDEAU, MO-IL's 113 lenders originated 3,653 loans during 2021. The total origination value was $674,075,000, with an average loan value of $184,526.

The top CAPE GIRARDEAU lender as defined by loan originations is The Bank of Missouri, with 138 loans originated. Their average total fees are $2,483, which is $1,755 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee CAPE GIRARDEAU lenders (with over 10 loans originated) are Southern Bank ($1,723), Wood & Huston Bank ($1,934), U.S. Bank ($2,145), Wells Fargo Bank ($2,209) and First State Community Bank ($2,274).

The lowest rate CAPE GIRARDEAU lenders (with over 10 loans originated) are The Bank of Missouri (2.92%), PLANET HOME LENDING, LLC (2.96%), Wells Fargo Bank (2.97%), AMERISAVE MORTGAGE CORPORATION (3.00%) and CALIBER HOME LOANS, INC. (3.01%).

CAPE GIRARDEAU, MO-IL Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
The Bank of Missouri $53,865,000 $49,900,000 -7.4% 7.4%
Alliance Bank $45,520,000 $48,350,000 6.2% 7.2%
First State Community Bank $57,290,000 $41,560,000 -27.5% 6.2%
QUICKEN LOANS, LLC $35,385,000 $37,805,000 6.8% 5.6%
Montgomery Bank $35,680,000 $31,840,000 -10.8% 4.7%
U.S. Bank $34,875,000 $29,715,000 -14.8% 4.4%
First Midwest Bank of Dexter $25,000,000 $28,400,000 13.6% 4.2%
Wells Fargo Bank $32,135,000 $27,740,000 -13.7% 4.1%
DAS Acquisition Company, LLC $31,685,000 $27,445,000 -13.4% 4.1%
FLAT BRANCH MORTGAGE, INC. $21,515,000 $23,940,000 11.3% 3.6%
Southern Bank $43,530,000 $23,725,000 -45.5% 3.5%
Wood & Huston Bank $35,030,000 $21,930,000 -37.4% 3.3%
UNITED WHOLESALE MORTGAGE, LLC $11,895,000 $15,470,000 30.1% 2.3%
GUILD MORTGAGE COMPANY $10,855,000 $14,715,000 35.6% 2.2%
Mortgage Research Center, LLC $7,375,000 $12,875,000 74.6% 1.9%
PLANET HOME LENDING, LLC $7,220,000 $12,705,000 76.0% 1.9%
GERSHMAN INVESTMENT CORP. $10,390,000 $12,615,000 21.4% 1.9%
Regions Bank $15,330,000 $12,555,000 -18.1% 1.9%
CALIBER HOME LOANS, INC. $10,695,000 $12,245,000 14.5% 1.8%
Commerce Bank $8,870,000 $10,840,000 22.2% 1.6%
Banterra Bank $21,225,000 $10,770,000 -49.3% 1.6%
FREEDOM MORTGAGE CORPORATION $15,785,000 $8,685,000 -45.0% 1.3%
LOANDEPOT.COM, LLC $2,155,000 $8,205,000 280.7% 1.2%
DELMAR FINANCIAL COMPANY $10,905,000 $8,185,000 -24.9% 1.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $9,435,000 $8,105,000 -14.1% 1.2%
MOVEMENT MORTGAGE, LLC $1,060,000 $6,480,000 511.3% 1.0%
PENNYMAC LOAN SERVICES, LLC $3,340,000 $6,025,000 80.4% 0.9%
Flagstar Bank, FSB $10,280,000 $5,580,000 -45.7% 0.8%
GUARANTEED RATE, INC. $505,000 $4,395,000 770.3% 0.7%
First Guaranty Mortgage Corporation $2,105,000 $4,205,000 99.8% 0.6%
Focus Bank $3,610,000 $4,205,000 16.5% 0.6%
HALLMARK HOME MORTGAGE, LLC $4,570,000 $4,170,000 -8.8% 0.6%
BETTER MORTGAGE CORPORATION $1,760,000 $4,015,000 128.1% 0.6%
NEWREZ LLC $2,510,000 $3,735,000 48.8% 0.6%
AMERISAVE MORTGAGE CORPORATION $1,685,000 $3,465,000 105.6% 0.5%
Bank of America $2,405,000 $3,455,000 43.7% 0.5%
Carrington Mortgage Services, LLC $1,585,000 $2,840,000 79.2% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $4,295,000 $2,625,000 -38.9% 0.4%
ENDEAVOR CAPITAL, LLC. $1,030,000 $2,505,000 143.2% 0.4%
NAVY FEDERAL CREDIT UNION $2,510,000 $2,375,000 -5.4% 0.4%
USAA Federal Savings Bank $4,090,000 $2,370,000 -42.1% 0.4%
LAKEVIEW LOAN SERVICING, LLC $1,205,000 $2,360,000 95.9% 0.4%
Arvest Bank $435,000 $2,270,000 421.8% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $945,000 $2,180,000 130.7% 0.3%
HOME POINT FINANCIAL CORPORATION $195,000 $2,095,000 974.4% 0.3%
Peoples Community Bank $1,925,000 $2,080,000 8.1% 0.3%
JPMorgan Chase Bank $250,000 $1,955,000 682.0% 0.3%
Great Southern Bank $705,000 $1,895,000 168.8% 0.3%
LEADERONE FINANCIAL CORPORATION $115,000 $1,815,000 1,478.3% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $1,045,000 $1,775,000 69.9% 0.3%
Truist Bank $160,000 $1,765,000 1,003.1% 0.3%
The Federal Savings Bank $2,040,000 $1,515,000 -25.7% 0.2%
North American Savings Bank, F.S.B. $1,510,000 n/a 0.2%
Bloomsdale Bank $1,025,000 $1,480,000 44.4% 0.2%
NEW DAY FINANCIAL, LLC $1,305,000 $1,460,000 11.9% 0.2%
KS StateBank $740,000 $1,180,000 59.5% 0.2%
BROKER SOLUTIONS, INC. $1,555,000 $1,070,000 -31.2% 0.2%
Low VA Rates, LLC $355,000 $1,030,000 190.1% 0.2%
GUARANTEED RATE AFFINITY, LLC $415,000 $995,000 139.8% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $710,000 $985,000 38.7% 0.1%
Charles Schwab Bank, SSB $815,000 n/a 0.1%
First State Bank of St. Charles, Missouri $1,370,000 $815,000 -40.5% 0.1%
Magnolia Bank $2,440,000 $805,000 -67.0% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $530,000 $715,000 34.9% 0.1%
21ST MORTGAGE CORPORATION $1,025,000 $710,000 -30.7% 0.1%
EMBRACE HOME LOANS, INC. $495,000 $710,000 43.4% 0.1%
Ally Bank $435,000 $705,000 62.1% 0.1%
Flanagan State Bank $1,385,000 $700,000 -49.5% 0.1%
CELEBRITY HOME LOANS, LLC $690,000 n/a 0.1%
Mid-Continent Funding, Inc. $455,000 $675,000 48.4% 0.1%
AMERICAN FINANCING CORPORATION $1,025,000 $670,000 -34.6% 0.1%
PNC Bank $275,000 $665,000 141.8% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $1,635,000 $655,000 -59.9% 0.1%
Citizens Bank $2,035,000 $650,000 -68.1% 0.1%
ROYAL UNITED MORTGAGE LLC $905,000 $645,000 -28.7% 0.1%
HOMESIDE FINANCIAL, LLC $630,000 n/a 0.1%
River Region Credit Union $610,000 n/a 0.1%
PHH Mortgage Corporation $600,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $570,000 $590,000 3.5% 0.1%
First Federal Bank of Kansas City $185,000 $585,000 216.2% 0.1%
CMG MORTGAGE, INC. $755,000 $550,000 -27.2% 0.1%
Wyndham Capital Mortgage, Inc. $550,000 n/a 0.1%
The Central Trust Bank $65,000 $545,000 738.5% 0.1%
CHURCHILL MORTGAGE CORPORATION $190,000 $525,000 176.3% 0.1%
Barrington Bank & Trust Company, N.A. $685,000 $510,000 -25.5% 0.1%
MISSOURI ELECTRIC COOPERATIVES EMPL $800,000 $500,000 -37.5% 0.1%
PREMIA MORTGAGE, LLC $500,000 n/a 0.1%
Citizens National Bank of Greater St. Louis $495,000 $495,000 0.0% 0.1%
NATIONS RELIABLE LENDING, LLC $490,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $245,000 $475,000 93.9% 0.1%
First Savings Bank $470,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $175,000 $470,000 168.6% 0.1%
Nations Lending Corporation $465,000 n/a 0.1%
Northpointe Bank $680,000 $455,000 -33.1% 0.1%
Farmers State Bank of Alto Pass $445,000 n/a 0.1%
MISSOURI Credit Union $145,000 $445,000 206.9% 0.1%
TOGETHER CREDIT UNION $615,000 $440,000 -28.5% 0.1%
First Midwest Bank of Poplar Bluff $310,000 $435,000 40.3% 0.1%
Sullivan Bank $425,000 n/a 0.1%
Bell Bank $185,000 $420,000 127.0% 0.1%
Enterprise Bank & Trust $980,000 $420,000 -57.1% 0.1%
GENEVA FINANCIAL, LLC $360,000 $410,000 13.9% 0.1%
Farm Credit Mid-America, ACA $405,000 n/a 0.1%
FIRST COMMUNITY $980,000 $405,000 -58.7% 0.1%
ALLIANT CREDIT UNION $400,000 n/a 0.1%
FRONTIER FINANCIAL, INC. $400,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $655,000 $385,000 -41.2% 0.1%
Sierra Pacific Mortgage Company, Inc. $370,000 n/a 0.1%
FAMILY FINANCE MORTGAGE, LLC $65,000 $360,000 453.8% 0.1%
Paramount Residential Mortgage Group, Inc. $145,000 $320,000 120.7% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $315,000 n/a 0.0%
Midwest Mortgage Associates Corporation $315,000 n/a 0.0%
Stifel Bank and Trust $165,000 $310,000 87.9% 0.0%
LOANPAL, LLC $300,000 n/a 0.0%
Merchants Bank of Indiana $295,000 n/a 0.0%
U S WIDE FINANCIAL LLC $295,000 n/a 0.0%
Associated Bank $685,000 $290,000 -57.7% 0.0%
First Horizon Bank $290,000 n/a 0.0%
Midwest BankCentre $575,000 $285,000 -50.4% 0.0%
The Home Loan Expert LLC $135,000 $285,000 111.1% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $280,000 n/a 0.0%
West Gate Bank $275,000 n/a 0.0%
ACCESS CAPITAL FUNDING, L.L.C. $260,000 n/a 0.0%
SOUTHWEST FUNDING, LP $260,000 n/a 0.0%
Colonial Savings, F.A. $255,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $195,000 $255,000 30.8% 0.0%
SCOTT CREDIT UNION $910,000 $250,000 -72.5% 0.0%
THRIVENT Federal Credit Union $250,000 n/a 0.0%
CNB Bank And Trust, N.A. $245,000 n/a 0.0%
InterContinental Capital Group, Inc $245,000 n/a 0.0%
Springfield First Community Bank $300,000 $245,000 -18.3% 0.0%
Figure Lending LLC $30,000 $240,000 700.0% 0.0%
Quontic Bank $235,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $440,000 $225,000 -48.9% 0.0%
NP, Inc. $260,000 $225,000 -13.5% 0.0%
COMMUNITY MORTGAGE, LLC $895,000 $215,000 -76.0% 0.0%
Raymond James Bank $215,000 n/a 0.0%
The Union Bank Company $215,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $815,000 $210,000 -74.2% 0.0%
Prosperity Home Mortgage, LLC $205,000 n/a 0.0%
TIAA, FSB $695,000 $205,000 -70.5% 0.0%
ACCELERATE MORTGAGE, LLC $195,000 n/a 0.0%
Discover Bank $105,000 $195,000 85.7% 0.0%
Equity Prime Mortgage LLC $185,000 n/a 0.0%
First Bank $895,000 $185,000 -79.3% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $225,000 $185,000 -17.8% 0.0%
Boeing Employees Credit Union $175,000 n/a 0.0%
CROSSCOUNTRY MORTGAGE, LLC $1,300,000 $175,000 -86.5% 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $175,000 n/a 0.0%
Pinnacle Bank $175,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $240,000 $175,000 -27.1% 0.0%
Community National Bank & Trust $165,000 n/a 0.0%
Servion, Inc. $125,000 $165,000 32.0% 0.0%
TOP FLITE FINANCIAL, INC. $165,000 n/a 0.0%
Bank of England $480,000 $155,000 -67.7% 0.0%
Baxter Credit Union $35,000 $155,000 342.9% 0.0%
COMPEER FINANCIAL, FLCA $155,000 n/a 0.0%
EVANSVILLE TEACHERS $145,000 $145,000 0.0% 0.0%
ON Q FINANCIAL, INC. $105,000 $145,000 38.1% 0.0%
Peoples National Bank , N.A. $420,000 $145,000 -65.5% 0.0%
Community Mortgage Banc Corporation $435,000 $135,000 -69.0% 0.0%
AmeriHome Mortgage Company, LLC $145,000 $125,000 -13.8% 0.0%
Colten Mortgage, LLC $125,000 n/a 0.0%
FCB Banks $165,000 $125,000 -24.2% 0.0%
HomeBank $125,000 n/a 0.0%
COMMERCIAL TRUST COMPANY OF FAYETTE $105,000 n/a 0.0%
WEST COMMUNITY $85,000 $105,000 23.5% 0.0%
FirstTrust Home Loans, Inc. $95,000 n/a 0.0%
Ozarks Federal Savings and Loan Association $715,000 $90,000 -87.4% 0.0%
CHEVRON $85,000 n/a 0.0%
Dieterich Bank $85,000 n/a 0.0%
Manufacturers and Traders Trust Company $85,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,200,000 $85,000 -96.1% 0.0%
STAR USA FEDERAL CREDIT UNION $75,000 n/a 0.0%
United Fidelity Funding Corp. $75,000 n/a 0.0%
SIU $45,000 n/a 0.0%

CAPE GIRARDEAU's top lender by overall market share is The Bank of Missouri, with 7.4% market share. In second place, with 7.2%, is Alliance Bank, having originated $48,350,000 in loans. In third place, with 6.2%, is First State Community Bank, having originated $41,560,000 in loans. In third place, with 5.6%, is QUICKEN LOANS, LLC, having originated $37,805,000 in loans. In third place, with 4.7%, is Montgomery Bank, having originated $31,840,000 in loans.


CAPE GIRARDEAU, MO-IL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,565 $307,135,000 $196,252
Refi 1,329 $248,755,000 $187,175
Cash Out Refi 563 $99,775,000 $177,220
Home Improvement 111 $10,295,000 $92,748
Other 85 $8,115,000 $95,471

Cape Girardeau's most frequently cited loan purpose was Home Purchase, with 1,565 originations. The 2nd most popular reason was Refi, with 1,329 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,153 $214,225,000 $185,798
3-4% 1,119 $211,525,000 $189,030
<2.5% 531 $100,585,000 $189,426
4-5% 131 $15,105,000 $115,305
5-6% 20 $1,930,000 $96,500
6-7% 17 $955,000 $56,176
Over 8% 12 $550,000 $45,833
7-8% 6 $320,000 $53,333

During 2021, Cape Girardeau's most frequently originated rate bucket was 2.5-3%, with 1,153 originations.

Loan Sizing (CAPE GIRARDEAU, MO-IL MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,755 $256,635,000 $146,231
$200k-400k 937 $246,675,000 $263,260
$100,000 or less 783 $51,945,000 $66,341
$400k-600k 135 $64,395,000 $477,000
$600k-1000k 29 $21,745,000 $749,828
$Over $1MM 14 $32,680,000 $2,334,286

CAPE GIRARDEAU's loan sizing saw the bucket of loans from $100k-200k with 1,755 originations, totaling $256,635,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,290 $248,210,000 $192,411
60-80% 970 $189,970,000 $195,845
40-60% 379 $65,265,000 $172,203
20-40% 128 $14,180,000 $110,781
Under 20% 96 $4,130,000 $43,021
Over 100% 46 $9,850,000 $214,130

CAPE GIRARDEAU's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,290 originations, totaling $248,210,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - CAPE GIRARDEAU (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 $165,000 (3.2%) $234,095 (5.0%) 0.00 404
2018-02-01 $167,000 (2.8%) $233,977 (6.7%) 0.00 408
2018-03-01 $164,900 (3.1%) $231,341 (0.7%) 0.00 402
2018-04-01 $166,950 (2.1%) $236,938 (0.8%) 0.00 400
2018-05-01 $169,900 (3.0%) $245,629 (-2.7%) 0.00 395
2018-06-01 $179,900 (6.6%) $253,253 (-0.8%) 0.00 415
2018-07-01 $177,200 (5.2%) $254,996 (-1.0%) 0.00 453
2018-08-01 $179,900 (7.9%) $252,699 (0.9%) 0.00 453
2018-09-01 $169,900 (6.3%) $250,371 (4.5%) 0.00 417
2018-10-01 $175,250 (16.9%) $256,438 (9.8%) 0.00 419
2018-11-01 $179,450 (17.7%) $259,303 (16.7%) 0.00 416
2018-12-01 $174,900 (9.4%) $252,066 (11.9%) 0.00 382
2019-01-01 $169,900 (3.0%) $250,087 (6.8%) 0.00 375
2019-02-01 $167,500 (0.3%) $247,367 (5.7%) 0.00 359
2019-03-01 $168,529 (2.2%) $256,283 (10.8%) 0.00 352
2019-04-01 $173,900 (4.2%) $262,661 (10.9%) 0.00 338
2019-05-01 $193,900 (14.1%) $276,093 (12.4%) 0.00 345
2019-06-01 $190,000 (5.6%) $275,410 (8.8%) 0.00 370
2019-07-01 $191,750 (8.2%) $281,226 (10.3%) 0.00 364
2019-08-01 $193,286 (7.4%) $280,865 (11.2%) 0.00 359
2019-09-01 $198,500 (16.8%) $281,564 (12.5%) 0.00 355
2019-10-01 $198,250 (13.1%) $275,387 (7.4%) 0.00 367
2019-11-01 $189,900 (5.8%) $268,571 (3.6%) 0.00 373
2019-12-01 $182,400 (4.3%) $261,334 (3.7%) 0.00 371
2020-01-01 $173,000 (1.8%) $272,019 (8.8%) 0.00 340
2020-02-01 $180,000 (7.5%) $280,834 (13.5%) 0.00 323
2020-03-01 $167,450 (-0.6%) $260,499 (1.7%) 0.00 317
2020-04-01 $167,400 (-3.7%) $267,530 (1.9%) 0.00 314
2020-05-01 $189,900 (-2.1%) $285,814 (3.5%) 0.00 280
2020-06-01 $196,950 (3.7%) $296,582 (7.7%) 0.00 264
2020-07-01 $194,900 (1.6%) $288,026 (2.4%) 0.00 282
2020-08-01 $179,500 (-7.1%) $284,961 (1.5%) 0.00 248
2020-09-01 $168,700 (-15.0%) $282,587 (0.4%) 0.00 243
2020-10-01 $169,900 (-14.3%) $278,484 (1.1%) 0.00 237
2020-11-01 $160,600 (-15.4%) $260,061 (-3.2%) 0.00 232
2020-12-01 $169,900 (-6.9%) $266,226 (1.9%) 0.00 204
2021-01-01 $169,900 (-1.8%) $278,151 (2.3%) 0.00 175
2021-02-01 $162,400 (-9.8%) $284,176 (1.2%) 0.00 139
2021-03-01 $177,500 (6.0%) $318,498 (22.3%) 0.00 121
2021-04-01 $188,700 (12.7%) $324,527 (21.3%) 0.00 126
2021-05-01 $209,900 (10.5%) $362,300 (26.8%) 0.00 111
2021-06-01 $212,450 (7.9%) $362,362 (22.2%) 0.00 113
2021-07-01 $236,950 (21.6%) $358,091 (24.3%) 0.00 116
2021-08-01 $232,800 (29.7%) $348,161 (22.2%) 0.00 117
2021-09-01 $247,400 (46.7%) $346,029 (22.5%) 0.00 135
2021-10-01 $240,000 (41.3%) $349,316 (25.4%) 0.00 141
2021-11-01 $228,500 (42.3%) $348,428 (34.0%) 0.00 137
2021-12-01 $242,400 (42.7%) $375,537 (41.1%) 0.00 104
2022-01-01 $215,000 (26.6%) $310,727 (11.7%) 0.00 113
2022-02-01 $181,400 (11.7%) $280,903 (-1.2%) 0.00 121
2022-03-01 $184,400 (3.9%) $272,937 (-14.3%) 0.00 116
2022-04-01 $209,000 (10.8%) $290,065 (-10.6%) 0.00 112
2022-05-01 $230,000 (9.6%) $305,473 (-15.7%) 0.00 129
CAPE GIRARDEAU's median listing price for 2022-05-01 was $230,000, a difference of $20,100 (9.6%) versus the prior year and $21,000 versus the prior month.

CAPE GIRARDEAU's median listing price comes in at 0% of the national average.

CAPE GIRARDEAU's average listing price for 2022-05-01 was $305,473, a difference of $-56,827 (-15.7%) versus the prior year and $15,408 versus the prior month.

For the 2022-05-01 period, CAPE GIRARDEAU had 129 MLS listings, a difference of 17 listings (15%) versus the prior month and 18 listings (16%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - CAPE GIRARDEAU (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,560 sqft
2018-02-01 0 days 1,610 sqft
2018-03-01 0 days 1,540 sqft
2018-04-01 0 days 1,551 sqft
2018-05-01 0 days 1,562 sqft
2018-06-01 0 days 1,602 sqft
2018-07-01 0 days 1,614 sqft
2018-08-01 0 days 1,619 sqft
2018-09-01 0 days 1,570 sqft
2018-10-01 0 days 1,575 sqft
2018-11-01 0 days 1,596 sqft
2018-12-01 0 days 1,570 sqft
2019-01-01 0 days 1,568 sqft
2019-02-01 0 days 1,578 sqft
2019-03-01 0 days 1,560 sqft
2019-04-01 0 days 1,578 sqft
2019-05-01 0 days 1,612 sqft
2019-06-01 0 days 1,600 sqft
2019-07-01 0 days 1,604 sqft
2019-08-01 0 days 1,625 sqft
2019-09-01 0 days 1,658 sqft
2019-10-01 0 days 1,649 sqft
2019-11-01 0 days 1,626 sqft
2019-12-01 0 days 1,561 sqft
2020-01-01 0 days 1,540 sqft
2020-02-01 0 days 1,632 sqft
2020-03-01 0 days 1,784 sqft
2020-04-01 0 days 1,793 sqft
2020-05-01 0 days 1,863 sqft
2020-06-01 0 days 1,974 sqft
2020-07-01 0 days 1,955 sqft
2020-08-01 0 days 1,856 sqft
2020-09-01 0 days 1,778 sqft
2020-10-01 0 days 1,863 sqft
2020-11-01 0 days 1,850 sqft
2020-12-01 0 days 1,710 sqft
2021-01-01 0 days 1,755 sqft
2021-02-01 0 days 1,767 sqft
2021-03-01 0 days 1,720 sqft
2021-04-01 0 days 1,754 sqft
2021-05-01 0 days 1,915 sqft
2021-06-01 0 days 2,058 sqft
2021-07-01 0 days 2,174 sqft
2021-08-01 0 days 2,095 sqft
2021-09-01 0 days 2,008 sqft
2021-10-01 0 days 2,000 sqft
2021-11-01 0 days 1,904 sqft
2021-12-01 0 days 1,850 sqft
2022-01-01 0 days 1,750 sqft
2022-02-01 0 days 1,625 sqft
2022-03-01 0 days 1,659 sqft
2022-04-01 0 days 1,741 sqft
2022-05-01 0 days 1,780 sqft
CAPE GIRARDEAU's median listing age (time on market) for 2022-05-01 was 0 days.

CAPE GIRARDEAU's median square footage for active listings during the 2022-05-01 period was 1,780 sqft. One year prior, the average listing was 1,915 sqft.