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 7.03% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 6.96% and one month ago for the week of 2025-05-15, the average rate was 6.73%.

Columbia's average rate one year ago was 7.17%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.21%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Columbia 30 Year Fixed Rate 2025-06-18 7.03%
Columbia 30 Year Fixed Rate Refi 2025-06-18 7.21%
Columbia 15 Year Fixed Rate 2025-06-18 6.06%
Columbia 15 Year Fixed Rate Refi 2025-06-18 5.86%
Columbia 30 Year FHA 2025-06-18 0.29%
Columbia 30 Year FHA Refi 2025-06-18 -0.2%
Columbia 30 Year USDA 2025-06-18 0%
Columbia 30 Year USDA Refi 2025-06-18 -0.2%
Columbia 30 Year VA 2025-06-18 -0.07%
Columbia 30 Year VA Refi 2025-06-18 -0.26%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
FLAT BRANCH MORTGAGE, INC. 325 6.72% $3,409
The Central Trust Bank 232 6.88% $3,499
MISSOURI Credit Union 96 6.70% $2,061
DAS Acquisition Company, LLC 66 6.57% $3,966
QUICKEN LOANS, LLC 55 6.63% $6,544
UNITED WHOLESALE MORTGAGE, LLC 53 6.79% $6,651
WEST COMMUNITY 47 6.03% $2,529
U.S. Bank 38 6.68% $3,443
Bell Bank 25 6.94% $3,519
Midwest Mortgage Associates Corporation 24 6.83% $4,054
Commerce Bank 24 6.79% $2,266
The Bank of Missouri 21 6.73% $2,835
Hawthorn Bank 19 6.86% $2,407
PRIMELENDING, A PLAINSCAPITAL COMPANY 16 7.28% $4,394
Mid-Continent Funding, Inc. 16 6.40% $4,772
First Mid Bank & Trust 16 6.68% $1,904
BROKER SOLUTIONS, INC. 15 6.74% $5,418
Simmons Bank 14 6.97% $2,553
Bank of America 14 6.36% $2,207
First State Community Bank 13 7.02% $2,252
NBKC BANK 12 6.56% $3,281
Mortgage Research Center, LLC 10 6.77% $2,012
GERSHMAN INVESTMENT CORP. 9 6.97% $3,728
JPMorgan Chase Bank 9 7.01% $4,012
Arvest Bank 9 6.57% $2,566
Regions Bank 8 6.88% $3,023
Flagstar Bank, FSB 7 6.73% $5,033
ENDEAVOR CAPITAL, LLC. 6 6.77% $8,833
GUILD MORTGAGE COMPANY 5 6.68% $2,574
NAVY FEDERAL CREDIT UNION 5 6.85% $3,700
The Federal Savings Bank 5 6.88% $5,807
Wells Fargo Bank 5 6.80% $4,414
AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.50% $3,067
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.62% $5,387
BMO Harris Bank 4 6.88% $3,093
Mr. Cooper ( Nationstar Mortgage ) 4 6.69% $5,518
NFM, INC. 4 6.88% $4,847
COMMUNITY MORTGAGE, LLC 4 6.66% $3,389
HomeBank 4 6.53% $1,723
First State Bank of St. Charles, Missouri 4 6.53% $3,163
UMB Bank 4 6.39% $2,381
Magnolia Bank 3 6.92% $4,492
The Huntington National Bank 3 7.17% $2,931
Discover Bank 3 6.60% $0
Morgan Stanley Private Bank 3 6.79% $2,193
The Loan Store, Inc. 3 6.79% $6,245
USAA Federal Savings Bank 3 6.33% $5,296
Midwest BankCentre 3 6.46% $3,045
PENNYMAC LOAN SERVICES, LLC 3 6.50% $7,635
CMG MORTGAGE, INC. 3 6.71% $5,230
BETTER MORTGAGE CORPORATION 3 6.71% $1,800
PHH Mortgage Corporation 3 6.46% $3,960
ON Q FINANCIAL, INC. 3 6.75% $2,931
Stifel Bank and Trust 3 6.29% $1,632
General Mortgage Capital Corporation 3 6.46% $2,564
GENEVA FINANCIAL, LLC 3 6.88% $4,581
CROSSCOUNTRY MORTGAGE, LLC 3 7.00% $4,736
FREEDOM MORTGAGE CORPORATION 3 7.38% $4,859
SIRVA MORTGAGE, INC. 3 6.79% $197
First Federal Bank 3 6.83% $2,637
PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.99% $3,454
BancorpSouth 2 6.81% $2,530
Community Mortgage Banc Corporation 2 6.50% $3,227
ROYAL UNITED MORTGAGE LLC 2 6.94% $8,061
Flanagan State Bank 2 6.81% $3,145
Oakstar Bank 2 6.75% $2,409
NEXERA HOLDING LLC 2 8.25% $13,339
Cornerstone First Mortgage, Inc 2 6.63% $6,315
Truist 2 6.74% $4,981
United Bank of Union 2 6.88% $2,196
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.88% $1,924
ZILLOW HOME LOANS, LLC 2 6.56% $2,468
CHURCHILL MORTGAGE CORPORATION 2 7.00% $3,596
First Bank 2 6.13% $2,617
GUARANTEED RATE, INC. 2 7.00% $3,409
Mortgage Investment Services Corporation 2 6.94% $2,952
Farmers Bank & Trust 2 6.63% $3,217
HNB National Bank 2 7.25% $1,794
MID AMERICA MORTGAGE, INC. 2 7.31% $3,597
SUMMIT FUNDING, INC. 1 8.38% $4,249
ADVANCIAL 1 6.88% $3,871
ALAMEDA MORTGAGE CORPORATION 1 6.99% $4,636
ALLIANT CREDIT UNION 1 5.75% $13,507
ALLTRU Federal Credit Union 1 6.50% $1,339
Ally Bank 1 6.88% $2,570
AMERICAN FINANCING CORPORATION 1 6.75% $4,933
American Mortgage & Equity Consultants, Inc. 1 7.00% $2,941
Bank of Colorado 1 6.13% $5,855
Baxter Credit Union 1 6.88% $2,516
Boeing Employees Credit Union 1 6.88% $1,973
Carrington Mortgage Services, LLC 1 6.50% $5,689
Centennial Bank 1 6.63% $2,571
Charles Schwab Bank, SSB 1 6.88% $3,312
COMMUNITYAMERICA 1 6.63% $2,099
Community National Bank & Trust 1 7.50% $4,569
CONSERVATION EMP. CREDIT UNION 1 8.50% $1,319
CONSUMERS COOPERATIVE CREDIT UNION 1 6.75% $2,300
DEEPHAVEN MORTGAGE LLC 1 8.75% $29,685
DELMAR FINANCIAL COMPANY 1 6.63% $3,033
ENVOY MORTGAGE, LTD 1 7.38% $3,072
FAMILY FINANCE MORTGAGE, LLC 1 6.88% $3,275
First-Citizens Bank & Trust Company 1 6.88% $2,747
FIRST COMMUNITY MORTGAGE, INC. 1 6.63% $6,816
First Federal Bank of Kansas City 1 7.13% $2,278
FIRST HERITAGE FINANCIAL, LLC 1 7.13% $2,261
First Horizon Bank 1 8.00% $2,262
FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 7.50% $3,036
First National Bank and Trust Company 1 7.13% $5,411
FIRST STATE MORTGAGE SERVICES, LLC 1 7.13% $9,345
First Western Trust Bank 1 7.50% $4,433
FRONTIER FINANCIAL, INC. 1 6.50% $2,399
Great Southern Bank 1 6.38% $1,751
GREENSTATE CREDIT UNION 1 6.75% $2,377
GUARANTEED RATE AFFINITY, LLC 1 6.88% $3,583
GUIDANCE RESIDENTIAL, LLC 1 7.13% $3,703
HALLMARK HOME MORTGAGE, LLC 1 6.88% $5,105
LAKEVIEW LOAN SERVICING, LLC 1 6.63% $7,757
LEADERONE FINANCIAL CORPORATION 1 6.75% $4,456
LENOX FINANCIAL MORTGAGE CORPORATION 1 5.62% $2,663
LOANDEPOT.COM, LLC 1 6.99% $5,779
Logan Finance Corporation 1 8.37% $6,807
Morton Community Bank 1 6.88% $2,340
MOVEMENT MORTGAGE, LLC 1 6.99% $3,069
Nations Lending Corporation 1 8.13% $21,774
NBH Bank 1 5.88% $10,610
NEWREZ LLC 1 6.88% $1,937
NexBank 1 6.63% $5,322
Patriot Bank 1 5.88% $7,229
Peoples State Bank 1 6.50% $2,021
Plains Commerce Bank 1 6.75% $1,503
PLANET HOME LENDING, LLC 1 6.13% $2,321
PLAZA HOME MORTGAGE, INC. 1 6.63% $1,863
PNC Bank 1 6.38% $1,824
Prosperity Home Mortgage, LLC 1 6.63% $2,785
PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.00% $2,274
Raymond James Bank 1 6.50% $1,716
RUOFF MORTGAGE COMPANY, INC. 1 6.25% $4,695
Sullivan Bank 1 8.25% $2,519
ACCESS CAPITAL FUNDING, L.L.C. 1 6.99% $4,818
TOGETHER CREDIT UNION 1 5.13% $3,398
UIF CORPORATION 1 6.99% $3,076
U S WIDE FINANCIAL LLC 1 6.25% $1,278

COLUMBIA Average Closing Costs & Other Stats

COLUMBIA, MO's 142 lenders originated 4,033 loans during 2024. The total origination value was $1,045,625,000, with an average loan value of $259,267.

COLUMBIA's average closing costs are $3,519.

The top COLUMBIA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 325 loans originated. Their average total fees are $3,409, which is $90 lower than the next largest lender, The Central Trust Bank.

The lowest fee COLUMBIA lenders (with over 10 loans originated) are First Mid Bank & Trust ($1,904), Mortgage Research Center, LLC ($2,012), MISSOURI Credit Union ($2,061), Bank of America ($2,207) and First State Community Bank ($2,252).

The lowest rate COLUMBIA lenders (with over 10 loans originated) are WEST COMMUNITY (6.03%), Bank of America (6.36%), Mid-Continent Funding, Inc. (6.40%), NBKC BANK (6.56%) and DAS Acquisition Company, LLC (6.57%).

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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
The Central Trust Bank $140,910,000 $130,600,000 -7.3% 12.5%
FLAT BRANCH MORTGAGE, INC. $105,975,000 $125,165,000 18.1% 12.0%
First Mid Bank & Trust $6,015,000 $55,225,000 818.1% 5.3%
River Region Credit Union $37,920,000 $46,280,000 22.0% 4.4%
First State Community Bank $28,605,000 $35,780,000 25.1% 3.4%
QUICKEN LOANS, LLC $21,925,000 $33,795,000 54.1% 3.2%
Mortgage Research Center, LLC $28,355,000 $33,635,000 18.6% 3.2%
MISSOURI Credit Union $24,285,000 $28,330,000 16.7% 2.7%
UNITED WHOLESALE MORTGAGE, LLC $13,365,000 $28,055,000 109.9% 2.7%
The Bank of Missouri $39,490,000 $27,165,000 -31.2% 2.6%
DAS Acquisition Company, LLC $25,890,000 $26,980,000 4.2% 2.6%
Mid America Bank $5,635,000 $26,935,000 378.0% 2.6%
Bell Bank $18,050,000 $22,725,000 25.9% 2.2%
U.S. Bank $14,480,000 $20,425,000 41.1% 2.0%
Commerce Bank $11,670,000 $17,735,000 52.0% 1.7%
WEST COMMUNITY $13,705,000 $15,530,000 13.3% 1.5%
Hawthorn Bank $39,260,000 $14,795,000 -62.3% 1.4%
Simmons Bank $19,135,000 $11,860,000 -38.0% 1.1%
First Midwest Bank of Poplar Bluff $5,355,000 $11,685,000 118.2% 1.1%
COMMERCIAL TRUST COMPANY OF FAYETTE $14,390,000 $11,470,000 -20.3% 1.1%
Midwest Mortgage Associates Corporation $14,545,000 $11,225,000 -22.8% 1.1%
Mid-Continent Funding, Inc. $5,070,000 $11,165,000 120.2% 1.1%
The Callaway Bank $12,335,000 $11,000,000 -10.8% 1.1%
Exchange Bank of Missouri $10,820,000 $10,870,000 0.5% 1.0%
PENNYMAC LOAN SERVICES, LLC $5,260,000 $9,870,000 87.6% 0.9%
CNB Bank And Trust, N.A. $265,000 $8,730,000 3,194.3% 0.8%
Alliant Bank $6,215,000 $8,430,000 35.6% 0.8%
BROKER SOLUTIONS, INC. $1,255,000 $8,165,000 550.6% 0.8%
Glacier Bank $7,955,000 n/a 0.8%
BTC BANK $6,835,000 $7,360,000 7.7% 0.7%
Bank of America $6,495,000 $7,085,000 9.1% 0.7%
FREEDOM MORTGAGE CORPORATION $1,725,000 $6,840,000 296.5% 0.7%
WALKER & DUNLOP, LLC $6,425,000 n/a 0.6%
GERSHMAN INVESTMENT CORP. $3,480,000 $6,220,000 78.7% 0.6%
Regions Bank $14,055,000 $5,460,000 -61.2% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $8,695,000 $5,275,000 -39.3% 0.5%
NEWREZ LLC $1,245,000 $5,215,000 318.9% 0.5%
NBKC BANK $3,170,000 $5,175,000 63.2% 0.5%
Wells Bank $5,495,000 $5,165,000 -6.0% 0.5%
UMB Bank $4,045,000 $4,495,000 11.1% 0.4%
The Missouri Bank $6,365,000 $4,315,000 -32.2% 0.4%
NAVY FEDERAL CREDIT UNION $6,040,000 $4,215,000 -30.2% 0.4%
Oakstar Bank $235,000 $4,190,000 1,683.0% 0.4%
JPMorgan Chase Bank $2,255,000 $4,065,000 80.3% 0.4%
Arvest Bank $3,285,000 $3,870,000 17.8% 0.4%
People's Savings Bank of Rhineland $3,935,000 $3,695,000 -6.1% 0.4%
Wood & Huston Bank $1,590,000 $3,490,000 119.5% 0.3%
First Federal Bank $275,000 $3,345,000 1,116.4% 0.3%
First State Bank of St. Charles, Missouri $1,090,000 $3,110,000 185.3% 0.3%
VILLAGE CAPITAL MORTGAGE $955,000 $3,090,000 223.6% 0.3%
BMO Harris Bank $2,875,000 $2,855,000 -0.7% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $3,555,000 $2,785,000 -21.7% 0.3%
Flagstar Bank, FSB $2,225,000 $2,750,000 23.6% 0.3%
USAA Federal Savings Bank $2,730,000 $2,700,000 -1.1% 0.3%
ENDEAVOR CAPITAL, LLC. $2,465,000 $2,570,000 4.3% 0.2%
Wells Fargo Bank $2,200,000 $2,430,000 10.5% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,485,000 $2,375,000 59.9% 0.2%
LOANDEPOT.COM, LLC $3,355,000 $2,360,000 -29.7% 0.2%
Magnolia Bank $695,000 $2,335,000 236.0% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,045,000 $2,295,000 119.6% 0.2%
ON Q FINANCIAL, INC. $1,800,000 $2,290,000 27.2% 0.2%
GUARANTEED RATE, INC. $2,835,000 $2,205,000 -22.2% 0.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,890,000 $2,095,000 -27.5% 0.2%
Discover Bank $1,900,000 $2,050,000 7.9% 0.2%
The Tipton Latham Bank $2,230,000 $2,030,000 -9.0% 0.2%
GUILD MORTGAGE COMPANY $1,355,000 $1,995,000 47.2% 0.2%
NEW DAY FINANCIAL, LLC $655,000 $1,940,000 196.2% 0.2%
The Federal Savings Bank $4,670,000 $1,910,000 -59.1% 0.2%
AMERISAVE MORTGAGE CORPORATION $425,000 $1,770,000 316.5% 0.2%
CMG MORTGAGE, INC. $680,000 $1,700,000 150.0% 0.2%
UIF CORPORATION $185,000 $1,615,000 773.0% 0.2%
Arbor Realty Trust, Inc. $1,605,000 n/a 0.2%
PEOPLES BANK & TRUST CO. $1,535,000 n/a 0.1%
HNB National Bank $835,000 $1,480,000 77.2% 0.1%
Legacy Bank & Trust Company $1,405,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $1,340,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $595,000 $1,310,000 120.2% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $1,140,000 $1,285,000 12.7% 0.1%
HomeBank $1,560,000 $1,260,000 -19.2% 0.1%
NFM, INC. $1,255,000 n/a 0.1%
General Mortgage Capital Corporation $1,190,000 n/a 0.1%
Plains Commerce Bank $1,305,000 $1,170,000 -10.3% 0.1%
GENEVA FINANCIAL, LLC $565,000 $1,155,000 104.4% 0.1%
Flanagan State Bank $450,000 $1,100,000 144.4% 0.1%
The Huntington National Bank $880,000 $1,040,000 18.2% 0.1%
Regional Missouri Bank $2,470,000 $1,000,000 -59.5% 0.1%
Carrington Mortgage Services, LLC $1,095,000 $990,000 -9.6% 0.1%
Morgan Stanley Private Bank $800,000 $945,000 18.1% 0.1%
21ST MORTGAGE CORPORATION $645,000 $940,000 45.7% 0.1%
Mortgage Investment Services Corporation $195,000 $920,000 371.8% 0.1%
COMMUNITYAMERICA $880,000 n/a 0.1%
United Bank of Union $875,000 n/a 0.1%
The Loan Store, Inc. $870,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $190,000 $860,000 352.6% 0.1%
TruHome Solutions, LLC $690,000 $845,000 22.5% 0.1%
Cornerstone First Mortgage, Inc $195,000 $820,000 320.5% 0.1%
LEADERONE FINANCIAL CORPORATION $840,000 $805,000 -4.2% 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $790,000 n/a 0.1%
Nations Lending Corporation $640,000 $790,000 23.4% 0.1%
First Bank $225,000 $785,000 248.9% 0.1%
NEXERA HOLDING LLC $785,000 n/a 0.1%
SIRVA MORTGAGE, INC. $420,000 $775,000 84.5% 0.1%
Truist $380,000 $775,000 103.9% 0.1%
COMMUNITY MORTGAGE, LLC $570,000 $770,000 35.1% 0.1%
Farmers Bank & Trust $550,000 $760,000 38.2% 0.1%
Figure Lending LLC $565,000 $760,000 34.5% 0.1%
PHH Mortgage Corporation $340,000 $760,000 123.5% 0.1%
INB $315,000 $750,000 138.1% 0.1%
Stifel Bank and Trust $1,470,000 $750,000 -49.0% 0.1%
Equity Bank $325,000 $740,000 127.7% 0.1%
The Bank of Old Monroe $205,000 $740,000 261.0% 0.1%
Midwest BankCentre $725,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $165,000 $720,000 336.4% 0.1%
Goldwater Bank, N.A. $715,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $380,000 $675,000 77.6% 0.1%
FIRST INTEGRITY MORTGAGE SERVICES, INC. $670,000 n/a 0.1%
FIRST STATE MORTGAGE SERVICES, LLC $205,000 $665,000 224.4% 0.1%
TOWNE MORTGAGE COMPANY $540,000 $665,000 23.1% 0.1%
PLANET HOME LENDING, LLC $755,000 $650,000 -13.9% 0.1%
ZILLOW HOME LOANS, LLC $1,370,000 $635,000 -53.6% 0.1%
BancorpSouth $2,695,000 $630,000 -76.6% 0.1%
MID AMERICA MORTGAGE, INC. $295,000 $620,000 110.2% 0.1%
Centennial Bank $615,000 n/a 0.1%
Heritage Community Bank $560,000 $615,000 9.8% 0.1%
Charles Schwab Bank, SSB $605,000 n/a 0.1%
DEEPHAVEN MORTGAGE LLC $605,000 n/a 0.1%
Equity Prime Mortgage LLC $605,000 n/a 0.1%
FAMILY FINANCE MORTGAGE, LLC $585,000 n/a 0.1%
Community Mortgage Banc Corporation $945,000 $575,000 -39.2% 0.1%
LAKEVIEW LOAN SERVICING, LLC $470,000 $570,000 21.3% 0.1%
United Credit Union $320,000 $565,000 76.6% 0.1%
American Mortgage & Equity Consultants, Inc. $560,000 n/a 0.1%
CONSUMERS COOPERATIVE CREDIT UNION $555,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $85,000 $550,000 547.1% 0.1%
Prosperity Home Mortgage, LLC $550,000 $540,000 -1.8% 0.1%
First-Citizens Bank & Trust Company $275,000 $535,000 94.5% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $220,000 $520,000 136.4% 0.0%
MOVEMENT MORTGAGE, LLC $1,245,000 $505,000 -59.4% 0.0%
Bank of Colorado $465,000 n/a 0.0%
SeaTrust Mortgage Company $465,000 n/a 0.0%
FRONTIER FINANCIAL, INC. $155,000 $455,000 193.5% 0.0%
Logan Finance Corporation $455,000 n/a 0.0%
R-G Federal Credit Union $445,000 n/a 0.0%
First Midwest Bank of Dexter $95,000 $435,000 357.9% 0.0%
ACCESS CAPITAL FUNDING, L.L.C. $425,000 n/a 0.0%
Wyoming Bank & Trust $425,000 n/a 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $155,000 $410,000 164.5% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $375,000 $405,000 8.0% 0.0%
LOANPAL, LLC $580,000 $405,000 -30.2% 0.0%
CHURCHILL MORTGAGE CORPORATION $915,000 $400,000 -56.3% 0.0%
Community National Bank & Trust $400,000 n/a 0.0%
Great Southern Bank $305,000 $400,000 31.1% 0.0%
AMERITRUST MORTGAGE CORPORATION $395,000 n/a 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $305,000 $395,000 29.5% 0.0%
SUMMIT FUNDING, INC. $225,000 $385,000 71.1% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $175,000 $380,000 117.1% 0.0%
DELMAR FINANCIAL COMPANY $195,000 $375,000 92.3% 0.0%
ALLIANT CREDIT UNION $2,535,000 $355,000 -86.0% 0.0%
SPRING EQ, LLC $55,000 $355,000 545.5% 0.0%
Bethpage Federal Credit Union $350,000 n/a 0.0%
ADVANCIAL $335,000 n/a 0.0%
CENTURY $335,000 n/a 0.0%
First Federal Bank of Kansas City $325,000 n/a 0.0%
U S WIDE FINANCIAL LLC $315,000 n/a 0.0%
Peoples Bank of Moniteau County $415,000 $310,000 -25.3% 0.0%
Devon Bank $305,000 n/a 0.0%
Libertyville Bank & Trust $305,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $385,000 $305,000 -20.8% 0.0%
S1L, Inc. $295,000 n/a 0.0%
Northwest Bank $285,000 n/a 0.0%
FIRST COMMUNITY $550,000 $280,000 -49.1% 0.0%
TRIAD FINANCIAL SERVICES, INC. $195,000 $275,000 41.0% 0.0%
Carrollton Bank $790,000 $265,000 -66.5% 0.0%
Emprise Bank $265,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $265,000 n/a 0.0%
Patriot Bank $265,000 n/a 0.0%
PROPONENT Federal Credit Union $265,000 n/a 0.0%
GREENSTATE CREDIT UNION $175,000 $260,000 48.6% 0.0%
Baxter Credit Union $75,000 $255,000 240.0% 0.0%
PNC Bank $1,675,000 $245,000 -85.4% 0.0%
Associated Bank $195,000 $235,000 20.5% 0.0%
Country Club Bank $105,000 $235,000 123.8% 0.0%
JONESBURG STATE BANK $235,000 n/a 0.0%
NBH Bank $235,000 n/a 0.0%
Sullivan Bank $355,000 $235,000 -33.8% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $225,000 n/a 0.0%
ENVOY MORTGAGE, LTD $225,000 n/a 0.0%
GUARANTEED RATE AFFINITY, LLC $225,000 n/a 0.0%
HALLMARK HOME MORTGAGE, LLC $225,000 n/a 0.0%
Old Missouri Bank $225,000 n/a 0.0%
TOGETHER CREDIT UNION $555,000 $225,000 -59.5% 0.0%
Ally Bank $600,000 $215,000 -64.2% 0.0%
Bank of Springfield $215,000 $215,000 0.0% 0.0%
Peoples State Bank $215,000 n/a 0.0%
CONSERVATION EMP. CREDIT UNION $490,000 $210,000 -57.1% 0.0%
GUIDANCE RESIDENTIAL, LLC $715,000 $205,000 -71.3% 0.0%
JLB CORPORATION $205,000 n/a 0.0%
Morton Community Bank $155,000 $205,000 32.3% 0.0%
PENTAGON FEDERAL CREDIT UNION $1,855,000 $205,000 -88.9% 0.0%
Raymond James Bank $205,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $445,000 $205,000 -53.9% 0.0%
West Gate Bank $205,000 n/a 0.0%
EVERETT FINANCIAL, INC. $200,000 n/a 0.0%
FIRST HERITAGE FINANCIAL, LLC $195,000 n/a 0.0%
NexBank $255,000 $195,000 -23.5% 0.0%
1ST MIDAMERICA $185,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $165,000 $180,000 9.1% 0.0%
Montgomery Bank $455,000 $165,000 -63.7% 0.0%
Regent Bank $165,000 n/a 0.0%
ALAMEDA MORTGAGE CORPORATION $155,000 n/a 0.0%
AMERICAN HERITAGE LENDING, INC. $155,000 n/a 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $155,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $155,000 n/a 0.0%
Boeing Employees Credit Union $405,000 $145,000 -64.2% 0.0%
First Horizon Bank $145,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $155,000 $145,000 -6.5% 0.0%
RUOFF MORTGAGE COMPANY, INC. $140,000 n/a 0.0%
Citizens Bank $495,000 $135,000 -72.7% 0.0%
First Western Trust Bank $135,000 n/a 0.0%
First National Bank and Trust Company $125,000 n/a 0.0%
FCS Financial FLCA $625,000 $115,000 -81.6% 0.0%
KeyBank $275,000 $115,000 -58.2% 0.0%
ALLTRU Federal Credit Union $295,000 $105,000 -64.4% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $605,000 $105,000 -82.6% 0.0%
CITY-COUNTY CREDIT UNION $105,000 n/a 0.0%
Midwest Heritage Bank FSB $105,000 n/a 0.0%
USAlliance Federal Credit Union $95,000 n/a 0.0%
United Community Bank $205,000 $85,000 -58.5% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $70,000 n/a 0.0%
Deere Employees Credit Union $65,000 n/a 0.0%
Goodfield State Bank $55,000 n/a 0.0%
CENTRAL MISSOURI COMMUNITY CREDIT UNION $45,000 n/a 0.0%
DIGITAL Federal Credit Union $215,000 $45,000 -79.1% 0.0%
M&T Bank $45,000 n/a 0.0%
American Airlines Federal Credit Union $35,000 n/a 0.0%
CIS Financial Services, Inc. $35,000 n/a 0.0%
Southern Bank $70,000 $35,000 -50.0% 0.0%
FINANCE OF AMERICA REVERSE LLC $75,000 $25,000 -66.7% 0.0%
Lindell Bank & Trust Company $25,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $25,000 n/a 0.0%
UNITED SECURITY BANK $290,000 $25,000 -91.4% 0.0%
Midwest Regional Bank $460,000 $15,000 -96.7% 0.0%

COLUMBIA's top lender by overall market share is The Central Trust Bank, with 12.5% market share. In second place, with 12.0%, is FLAT BRANCH MORTGAGE, INC., having originated $125,165,000 in loans. In third place, with 5.3%, is First Mid Bank & Trust, having originated $55,225,000 in loans. In fourth place, with 4.4%, is River Region Credit Union, having originated $46,280,000 in loans. In fifth place, with 3.4%, is First State Community Bank, having originated $35,780,000 in loans.

COLUMBIA, MO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,492 $792,340,000 $317,953
Refi 482 $124,760,000 $258,838
Cash Out Refi 395 $72,875,000 $184,494
Home Improvement 339 $27,095,000 $79,926
Other 325 $28,555,000 $87,862

Columbia's most frequently cited loan purpose was Home Purchase, with 2,492 originations. The 2nd most popular reason was Refi, with 482 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,462 $437,200,000 $299,042
7-8% 629 $227,875,000 $362,281
5-6% 626 $128,680,000 $205,559
Over 8% 531 $65,655,000 $123,644
4-5% 30 $8,960,000 $298,667
2.5-3% 28 $4,380,000 $156,429
<2.5% 17 $1,205,000 $70,882
3-4% 10 $1,580,000 $158,000

During 2024, Columbia's most frequently originated rate bucket was 6-7%, with 1,462 originations.

Loan Sizing (COLUMBIA, MO MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,569 $433,195,000 $276,096
$100k-200k 1,025 $153,345,000 $149,605
$100,000 or less 914 $48,960,000 $53,567
$400k-600k 353 $166,605,000 $471,969
$600k-1000k 135 $96,175,000 $712,407
$Over $1MM 37 $147,345,000 $3,982,297

COLUMBIA's loan sizing saw the bucket of loans from $200k-400k with 1,569 originations, totaling $433,195,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,396 $425,430,000 $304,749
60-80% 764 $268,950,000 $352,029
Under 20% 462 $25,540,000 $55,281
20-40% 353 $49,475,000 $140,156
40-60% 271 $77,205,000 $284,889
Over 100% 41 $15,155,000 $369,634

COLUMBIA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,396 originations, totaling $425,430,000 in origination value.