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 6.93% for the week of 2024-05-23, compared to the national average of 6.94% for the same period.

The average rate for the prior week (2024-05-16) was 7.01% and one month ago for the week of 2024-04-18, the average rate was 6.99%.

Columbia's average rate one year ago was 6.28%.

For refis of the same type during the week of 2024-05-23, the average rate was 7.3%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-23 6.94%
Columbia 30 Year Fixed Rate 2024-05-23 6.93%
Columbia 30 Year Fixed Rate Refi 2024-05-23 7.3%
Columbia 15 Year Fixed Rate 2024-05-23 6.04%
Columbia 15 Year Fixed Rate Refi 2024-05-23 6.54%
Columbia 30 Year FHA 2024-05-23 6.8%
Columbia 30 Year FHA Refi 2024-05-23 6.55%
Columbia 30 Year USDA 2024-05-23 6.94%
Columbia 30 Year USDA Refi 2024-05-23 6.84%
Columbia 30 Year VA 2024-05-23 6.64%
Columbia 30 Year VA Refi 2024-05-23 6.67%
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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
FLAT BRANCH MORTGAGE, INC. 298 6.84% $3,213
The Central Trust Bank 264 6.72% $3,163
MISSOURI Credit Union 103 6.61% $1,998
DAS Acquisition Company, LLC 73 6.76% $4,422
Hawthorn Bank 60 6.59% $2,474
QUICKEN LOANS, LLC 44 6.72% $5,903
WEST COMMUNITY 40 6.40% $2,332
Bell Bank 37 6.91% $4,300
UNITED WHOLESALE MORTGAGE, LLC 37 6.67% $6,862
The Bank of Missouri 34 6.20% $2,325
Midwest Mortgage Associates Corporation 33 6.82% $4,709
U.S. Bank 28 6.69% $3,414
Regions Bank 26 6.19% $4,797
Simmons Bank 26 6.83% $2,397
Mortgage Research Center, LLC 26 6.55% $2,752
PRIMELENDING, A PLAINSCAPITAL COMPANY 22 7.15% $3,604
First State Community Bank 21 6.91% $1,977
Commerce Bank 20 6.36% $2,344
First Mid Bank & Trust 15 6.51% $1,871
Bank of America 13 6.29% $2,846
Mid-Continent Funding, Inc. 8 6.42% $4,003
Wells Fargo Bank 7 6.38% $2,833
BMO Harris Bank 6 6.21% $2,824
NBKC BANK 6 6.56% $2,465
Capitol Federal Savings Bank 6 5.56% $4,891
Arvest Bank 6 6.23% $2,583
USAA Federal Savings Bank 6 6.75% $3,050
ENDEAVOR CAPITAL, LLC. 5 6.63% $8,410
GUILD MORTGAGE COMPANY 5 6.98% $4,511
Community Mortgage Banc Corporation 5 6.50% $4,436
Flagstar Bank, FSB 5 7.20% $3,260
HomeBank 5 6.60% $1,785
The Federal Savings Bank 5 6.60% $5,592
ZILLOW HOME LOANS, LLC 4 6.69% $3,547
CHURCHILL MORTGAGE CORPORATION 4 7.31% $4,556
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.65% $3,021
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 4 6.94% $7,950
JPMorgan Chase Bank 4 6.31% $2,110
Mr. Cooper ( Nationstar Mortgage ) 4 7.02% $5,785
NAVY FEDERAL CREDIT UNION 4 5.06% $3,756
PNC Bank 4 6.53% $2,645
Stifel Bank and Trust 4 6.03% $1,681
GUARANTEED RATE, INC. 3 6.69% $3,963
AMERICAN PACIFIC MORTGAGE CORPORATION 3 7.00% $9,618
COMMUNITY MORTGAGE, LLC 3 6.08% $2,636
LOANDEPOT.COM, LLC 3 6.29% $8,524
UMB Bank 3 6.04% $1,973
First State Bank of St. Charles, Missouri 3 6.67% $3,686
PENNYMAC LOAN SERVICES, LLC 3 6.67% $6,391
NEWREZ LLC 3 6.42% $3,929
PENTAGON FEDERAL CREDIT UNION 3 5.92% $4,376
GUIDANCE RESIDENTIAL, LLC 3 7.63% $4,656
CROSSCOUNTRY MORTGAGE, LLC 3 7.11% $4,639
MUTUAL OF OMAHA MORTGAGE, INC. 3 6.87% $3,126
GERSHMAN INVESTMENT CORP. 2 6.19% $2,075
TOGETHER CREDIT UNION 2 6.16% $1,116
Truist 2 6.81% $2,173
Magnolia Bank 2 6.75% $1,966
FCS Financial FLCA 2 7.55% $2,866
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 2 7.25% $3,029
Plains Commerce Bank 2 7.00% $6,404
Carrollton Bank 2 7.13% $1,975
Ally Bank 2 7.38% $1,520
Carrington Mortgage Services, LLC 2 6.06% $6,315
CARDINAL FINANCIAL 2 6.50% $3,294
Prosperity Home Mortgage, LLC 2 7.00% $2,247
Morgan Stanley Private Bank 2 5.90% $1,905
Great Southern Bank 2 6.56% $2,299
HOMESITE MORTGAGE, LLC 2 6.25% $6,076
SIRVA MORTGAGE, INC. 2 6.88% $647
T2 FINANCIAL LLC 2 6.99% $12,204
BROKER SOLUTIONS, INC. 2 7.31% $4,402
BancorpSouth 2 6.15% $2,815
The Huntington National Bank 2 6.38% $3,003
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.38% $3,246
Boeing Employees Credit Union 1 6.25% $2,843
PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.38% $1,780
Barrington Bank & Trust Company, N.A. 1 7.75% $1,250
RED DIAMOND HOME LOANS, LLC 1 5.99% $3,294
Bank of Tennessee 1 6.75% $2,338
ROYAL UNITED MORTGAGE LLC 1 7.25% $7,861
Bank of Springfield 1 7.05% $1,790
ALLTRU Federal Credit Union 1 6.38% $9,224
Sullivan Bank 1 7.38% $2,212
SUMMIT FUNDING, INC. 1 6.50% $5,141
Bank of Idaho 1 6.62% $3,258
Bank of England 1 6.88% $3,616
The Dart Bank 1 7.74% $2,557
THRIVE MORTGAGE, LLC 1 6.88% $4,214
UIF CORPORATION 1 6.50% $2,472
United Community Bank 1 6.88% $1,581
Farmers Bank & Trust 1 5.88% $2,654
Fidelity Bank 1 7.25% $2,085
First Bank 1 6.00% $2,235
First-Citizens Bank & Trust Company 1 6.88% $3,087
FIRST COMMUNITY MORTGAGE, INC. 1 5.88% $7,470
FIRST COMMUNITY 1 5.50% $1,152
FIRST MORTGAGE COMPANY, INC. 1 6.25% $3,044
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 6.50% $2,500
FIRST STATE MORTGAGE SERVICES, LLC 1 6.49% $1,904
Flanagan State Bank 1 7.88% $1,961
CNB Bank And Trust, N.A. 1 4.99% $2,432
FREEDOM MORTGAGE CORPORATION 1 7.00% $4,786
Gate City Bank 1 6.63% $2,593
Gateway First Bank 1 6.13% $2,138
ASSEMBLIES OF GOD Credit Union 1 6.99% $2,005
GREENSTATE CREDIT UNION 1 7.63% $1,721
GSF Mortgage Corporation 1 6.00% $4,421
CMG MORTGAGE, INC. 1 5.50% $2,460
CITIZENS EQUITY FIRST 1 6.88% $1,834
HNB National Bank 1 7.13% $1,559
Citadel Servicing Corporation 1 9.50% $2,413
Ameris Bank 1 6.25% $2,625
KeyBank 1 6.38% $5,083
LAKEVIEW LOAN SERVICING, LLC 1 6.99% $9,263
LEADERONE FINANCIAL CORPORATION 1 5.88% $2,833
MISSOURI ELECTRIC COOPERATIVES EMPL 1 6.00% $2,407
Busey Bank 1 5.63% $2,290
Morton Community Bank 1 6.38% $1,784
MOVEMENT MORTGAGE, LLC 1 6.63% $2,998
AMERISAVE MORTGAGE CORPORATION 1 5.75% $3,722
Nations Lending Corporation 1 7.88% $8,324
NexBank 1 6.50% $2,856
Oakstar Bank 1 8.00% $2,152
ON Q FINANCIAL, INC. 1 6.38% $2,629
Paramount Residential Mortgage Group, Inc. 1 6.13% $2,401
PHH Mortgage Corporation 1 7.13% $6,395
PREMIA MORTGAGE, LLC 1 6.38% $0

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
COLUMBIA's median listing price for 2024-04-01 was $402,200, a difference of $17,200 (4.5%) versus the prior year and $27,200 versus the prior month.

COLUMBIA's median listing price comes in at 94% of the national average.

COLUMBIA's average listing price for 2024-04-01 was $492,324, a difference of $29,142 (6.3%) versus the prior year and $35,619 versus the prior month.

For the 2024-04-01 period, COLUMBIA had 370 MLS listings, a difference of 6 listings (2%) versus the prior month and 57 listings (18%) 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 2,069 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
COLUMBIA's median listing age (time on market) for 2024-04-01 was 32 days. This is 7% longer than the same period one year ago.

COLUMBIA's median square footage for active listings during the 2024-04-01 period was 2,012 sqft. One year prior, the average listing was 2,058 sqft.

COLUMBIA, MO 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
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.