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
7.16%
for the week of 2023-11-22, compared to the national average of
7.29% for the same period.
The average rate for the prior week (2023-11-16) was
7.21% and
one month ago for the week of 2023-10-19, the
average rate was 7.3%.
Columbia's average rate one year ago was 6.28%.
For refis of the same type during the week of 2023-11-22, the average rate
was 6.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-11-22 | 7.29% |
| Columbia 30 Year Fixed Rate | 2023-11-22 | 7.16% |
| Columbia 30 Year Fixed Rate Refi | 2023-11-22 | 6.21% |
| Columbia 15 Year Fixed Rate | 2023-11-22 | 6.32% |
| Columbia 15 Year Fixed Rate Refi | 2023-11-22 | 5.88% |
| Columbia 30 Year FHA | 2023-11-22 | -0.18% |
| Columbia 30 Year FHA Refi | 2023-11-22 | 0.1% |
| Columbia 30 Year USDA | 2023-11-22 | -0.49% |
| Columbia 30 Year USDA Refi | 2023-11-22 | 0% |
| Columbia 30 Year VA | 2023-11-22 | -0.23% |
| Columbia 30 Year VA Refi | 2023-11-22 | -0.1% |
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.).
COLUMBIA Average Closing Costs & Other Stats
COLUMBIA, MO's 166 lenders originated 5,143
loans during 2022. The total origination value was $1,437,785,000, with an average loan value of
$279,562.
COLUMBIA's average closing costs are $3,247.
The top COLUMBIA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
410 loans originated. Their average total fees are
$2,914, which is $34
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 ($1,863), The Callaway Bank ($2,103), MISSOURI Credit Union ($2,193), Hawthorn Bank ($2,236) and Capitol Federal Savings Bank ($2,339).
The lowest rate COLUMBIA lenders (with over 10 loans originated) are
Bank of America (3.94%), Capitol Federal Savings Bank (4.00%), HOME POINT FINANCIAL CORPORATION (4.11%), The Bank of Missouri (4.19%) and First State Community Bank (4.44%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| The Central Trust Bank | $310,470,000 | $210,320,000 | -32.3% | 14.6% |
| FLAT BRANCH MORTGAGE, INC. | $247,560,000 | $145,385,000 | -41.3% | 10.1% |
| U.S. Bank | $36,690,000 | $91,720,000 | 150.0% | 6.4% |
| Wells Fargo Bank | $36,160,000 | $61,505,000 | 70.1% | 4.3% |
| Hawthorn Bank | $69,855,000 | $56,495,000 | -19.1% | 3.9% |
| DAS Acquisition Company, LLC | $101,365,000 | $55,530,000 | -45.2% | 3.9% |
| Arbor Realty Trust, Inc. | $47,620,000 | n/a | 3.3% | |
| First State Community Bank | $36,760,000 | $46,415,000 | 26.3% | 3.2% |
| Mortgage Research Center, LLC | $76,885,000 | $45,425,000 | -40.9% | 3.2% |
| The Bank of Missouri | $45,000,000 | $38,295,000 | -14.9% | 2.7% |
| MISSOURI Credit Union | $82,560,000 | $35,695,000 | -56.8% | 2.5% |
| QUICKEN LOANS, LLC | $65,860,000 | $34,810,000 | -47.1% | 2.4% |
| River Region Credit Union | $23,440,000 | $31,215,000 | 33.2% | 2.2% |
| The Callaway Bank | $43,810,000 | $27,210,000 | -37.9% | 1.9% |
| Commerce Bank | $27,100,000 | $26,650,000 | -1.7% | 1.9% |
| COMMERCIAL TRUST COMPANY OF FAYETTE | $31,970,000 | $23,650,000 | -26.0% | 1.6% |
| First Midwest Bank of Poplar Bluff | $10,560,000 | $23,625,000 | 123.7% | 1.6% |
| American National Bank | $23,515,000 | n/a | 1.6% | |
| Simmons Bank | $61,910,000 | $22,975,000 | -62.9% | 1.6% |
| PNC Bank | $1,835,000 | $18,555,000 | 911.2% | 1.3% |
| Exchange Bank of Missouri | $9,620,000 | $16,135,000 | 67.7% | 1.1% |
| Bell Bank | $9,940,000 | $16,075,000 | 61.7% | 1.1% |
| Midwest Mortgage Associates Corporation | $28,205,000 | $14,895,000 | -47.2% | 1.0% |
| UMB Bank | $13,795,000 | $13,740,000 | -0.4% | 1.0% |
| Capitol Federal Savings Bank | $22,675,000 | $12,250,000 | -46.0% | 0.9% |
| Wood & Huston Bank | $1,900,000 | $10,715,000 | 463.9% | 0.7% |
| WEST COMMUNITY | $19,860,000 | $9,815,000 | -50.6% | 0.7% |
| The Missouri Bank | $2,695,000 | $9,095,000 | 237.5% | 0.6% |
| LOANDEPOT.COM, LLC | $13,820,000 | $7,990,000 | -42.2% | 0.6% |
| WALKER & DUNLOP, LLC | $7,755,000 | $7,755,000 | 0.0% | 0.5% |
| Regions Bank | $9,215,000 | $7,570,000 | -17.9% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $6,745,000 | $7,350,000 | 9.0% | 0.5% |
| HOME POINT FINANCIAL CORPORATION | $10,635,000 | $7,120,000 | -33.1% | 0.5% |
| Bank of America | $12,580,000 | $6,775,000 | -46.1% | 0.5% |
| First Mid Bank & Trust | $8,780,000 | $5,795,000 | -34.0% | 0.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $11,840,000 | $5,730,000 | -51.6% | 0.4% |
| Alliant Bank | $12,935,000 | $5,275,000 | -59.2% | 0.4% |
| Oakstar Bank | $11,640,000 | $5,175,000 | -55.5% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $13,775,000 | $5,145,000 | -62.6% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,145,000 | $4,920,000 | -31.1% | 0.3% |
| Great Southern Bank | $16,230,000 | $4,760,000 | -70.7% | 0.3% |
| Mid America Bank | $8,170,000 | $4,610,000 | -43.6% | 0.3% |
| GERSHMAN INVESTMENT CORP. | $4,100,000 | $4,530,000 | 10.5% | 0.3% |
| Flagstar Bank, FSB | $6,530,000 | $4,490,000 | -31.2% | 0.3% |
| BTC BANK | $1,395,000 | $3,700,000 | 165.2% | 0.3% |
| Mid-Continent Funding, Inc. | $6,435,000 | $3,670,000 | -43.0% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $2,290,000 | $3,605,000 | 57.4% | 0.3% |
| Magnolia Bank | $6,380,000 | $3,515,000 | -44.9% | 0.2% |
| JPMorgan Chase Bank | $7,175,000 | $3,500,000 | -51.2% | 0.2% |
| Regional Missouri Bank | $6,580,000 | $3,405,000 | -48.3% | 0.2% |
| Bank of Franklin County | $3,255,000 | n/a | 0.2% | |
| ON Q FINANCIAL, INC. | $3,380,000 | $3,115,000 | -7.8% | 0.2% |
| BROKER SOLUTIONS, INC. | $4,860,000 | $2,980,000 | -38.7% | 0.2% |
| Arvest Bank | $23,780,000 | $2,805,000 | -88.2% | 0.2% |
| USAA Federal Savings Bank | $3,490,000 | $2,785,000 | -20.2% | 0.2% |
| BMO Harris Bank | $565,000 | $2,570,000 | 354.9% | 0.2% |
| HomeBank | $1,800,000 | $2,495,000 | 38.6% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $1,960,000 | $2,495,000 | 27.3% | 0.2% |
| BETTER MORTGAGE CORPORATION | $17,785,000 | $2,470,000 | -86.1% | 0.2% |
| NEW DAY FINANCIAL, LLC | $2,720,000 | $2,375,000 | -12.7% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $5,360,000 | $2,310,000 | -56.9% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $7,680,000 | $2,295,000 | -70.1% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,970,000 | $2,285,000 | 16.0% | 0.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $2,590,000 | $2,225,000 | -14.1% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $24,145,000 | $2,185,000 | -91.0% | 0.2% |
| Associated Bank | $1,225,000 | $2,155,000 | 75.9% | 0.1% |
| People's Savings Bank of Rhineland | $1,695,000 | $2,140,000 | 26.3% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $6,935,000 | $2,095,000 | -69.8% | 0.1% |
| CMG MORTGAGE, INC. | $1,910,000 | $2,065,000 | 8.1% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $2,870,000 | $2,050,000 | -28.6% | 0.1% |
| Ally Bank | $1,460,000 | $2,005,000 | 37.3% | 0.1% |
| UIF CORPORATION | $890,000 | $2,005,000 | 125.3% | 0.1% |
| NEWREZ LLC | $3,515,000 | $1,960,000 | -44.2% | 0.1% |
| GUARANTEED RATE, INC. | $1,885,000 | $1,950,000 | 3.4% | 0.1% |
| Stifel Bank and Trust | $3,920,000 | $1,905,000 | -51.4% | 0.1% |
| KeyBank | $755,000 | $1,890,000 | 150.3% | 0.1% |
| CALIBER HOME LOANS, INC. | $6,615,000 | $1,860,000 | -71.9% | 0.1% |
| GUILD MORTGAGE COMPANY | $3,335,000 | $1,805,000 | -45.9% | 0.1% |
| Carrington Mortgage Services, LLC | $2,115,000 | $1,735,000 | -18.0% | 0.1% |
| North American Savings Bank, F.S.B. | $3,910,000 | $1,695,000 | -56.6% | 0.1% |
| NBKC BANK | $3,625,000 | $1,555,000 | -57.1% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $915,000 | $1,500,000 | 63.9% | 0.1% |
| AMERICAN FINANCING CORPORATION | $1,780,000 | $1,435,000 | -19.4% | 0.1% |
| The Federal Savings Bank | $1,810,000 | $1,435,000 | -20.7% | 0.1% |
| Servion, Inc. | $190,000 | $1,340,000 | 605.3% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $540,000 | $1,315,000 | 143.5% | 0.1% |
| Landmark National Bank | $570,000 | $1,315,000 | 130.7% | 0.1% |
| Midwest Heritage Bank FSB | $1,225,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,190,000 | $1,175,000 | -1.3% | 0.1% |
| COMMUNITY MORTGAGE, LLC | $9,590,000 | $1,155,000 | -88.0% | 0.1% |
| DELMAR FINANCIAL COMPANY | $2,640,000 | $1,130,000 | -57.2% | 0.1% |
| SIRVA MORTGAGE, INC. | $135,000 | $1,125,000 | 733.3% | 0.1% |
| Gateway First Bank | $590,000 | $1,115,000 | 89.0% | 0.1% |
| COMMUNITYAMERICA | $850,000 | $1,090,000 | 28.2% | 0.1% |
| Figure Lending LLC | $580,000 | $1,075,000 | 85.3% | 0.1% |
| United Credit Union | $565,000 | $1,070,000 | 89.4% | 0.1% |
| HNB National Bank | $430,000 | $1,060,000 | 146.5% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,190,000 | $1,060,000 | -10.9% | 0.1% |
| PLANET HOME LENDING, LLC | $580,000 | $1,040,000 | 79.3% | 0.1% |
| FCS Financial FLCA | $1,160,000 | $1,025,000 | -11.6% | 0.1% |
| Armed Forces Bank | $970,000 | n/a | 0.1% | |
| Community Mortgage Banc Corporation | $2,185,000 | $970,000 | -55.6% | 0.1% |
| First Mortgage Solutions, LLC | $995,000 | $970,000 | -2.5% | 0.1% |
| Citizens Bank | $670,000 | $895,000 | 33.6% | 0.1% |
| JMJ FINANCIAL GROUP | $895,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $2,160,000 | $895,000 | -58.6% | 0.1% |
| Prosperity Home Mortgage, LLC | $840,000 | $845,000 | 0.6% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $740,000 | $825,000 | 11.5% | 0.1% |
| PREMIA MORTGAGE, LLC | $815,000 | n/a | 0.1% | |
| BOKF | $1,160,000 | $790,000 | -31.9% | 0.1% |
| CITIZENS EQUITY FIRST | $785,000 | n/a | 0.1% | |
| The Maries County Bank | $1,350,000 | $785,000 | -41.9% | 0.1% |
| BNY Mellon | $755,000 | n/a | 0.1% | |
| First Bank | $1,295,000 | $735,000 | -43.2% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $340,000 | $710,000 | 108.8% | 0.0% |
| MISSOURI ELECTRIC COOPERATIVES EMPL | $2,230,000 | $680,000 | -69.5% | 0.0% |
| HOMESITE MORTGAGE, LLC | $670,000 | n/a | 0.0% | |
| Springfield First Community Bank | $670,000 | n/a | 0.0% | |
| Discover Bank | $765,000 | $650,000 | -15.0% | 0.0% |
| Community State Bank of Missouri | $1,220,000 | $645,000 | -47.1% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $95,000 | $600,000 | 531.6% | 0.0% |
| 21ST MORTGAGE CORPORATION | $75,000 | $595,000 | 693.3% | 0.0% |
| Farmers Bank & Trust | $595,000 | n/a | 0.0% | |
| First Savings Bank | $580,000 | n/a | 0.0% | |
| Sunflower Bank | $600,000 | $575,000 | -4.2% | 0.0% |
| FRONTIER FINANCIAL, INC. | $570,000 | n/a | 0.0% | |
| Equity Bank | $230,000 | $550,000 | 139.1% | 0.0% |
| VERIDIAN CREDIT UNION | $550,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $880,000 | $535,000 | -39.2% | 0.0% |
| FIRST COMMUNITY | $680,000 | $530,000 | -22.1% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $940,000 | $530,000 | -43.6% | 0.0% |
| BancorpSouth Bank | $525,000 | n/a | 0.0% | |
| CHERRY CREEK MORTGAGE, LLC | $520,000 | n/a | 0.0% | |
| Wyndham Capital Mortgage, Inc. | $1,850,000 | $520,000 | -71.9% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $2,040,000 | $515,000 | -74.8% | 0.0% |
| PHH Mortgage Corporation | $845,000 | $505,000 | -40.2% | 0.0% |
| First Midwest Bank of Dexter | $305,000 | $500,000 | 63.9% | 0.0% |
| NBH Bank | $980,000 | $500,000 | -49.0% | 0.0% |
| Victorian Finance, LLC | $660,000 | $495,000 | -25.0% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $270,000 | $485,000 | 79.6% | 0.0% |
| F&B Acquisition Group LLC | $290,000 | $440,000 | 51.7% | 0.0% |
| FirstTrust Home Loans, Inc. | $440,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $350,000 | $440,000 | 25.7% | 0.0% |
| INB | $620,000 | $430,000 | -30.6% | 0.0% |
| FIRST INTEGRITY MORTGAGE SERVICES, INC. | $1,160,000 | $425,000 | -63.4% | 0.0% |
| Deere Employees Credit Union | $420,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $235,000 | $420,000 | 78.7% | 0.0% |
| Town and Country Bank | $405,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $705,000 | $395,000 | -44.0% | 0.0% |
| Carrollton Bank | $2,910,000 | $390,000 | -86.6% | 0.0% |
| CREDIT UNION OF AMERICA | $385,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $370,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $215,000 | $365,000 | 69.8% | 0.0% |
| MICHIGAN MUTUAL, INC. | $300,000 | $350,000 | 16.7% | 0.0% |
| NP, Inc. | $165,000 | $350,000 | 112.1% | 0.0% |
| Citizens National Bank of Greater St. Louis | $345,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $340,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $340,000 | n/a | 0.0% | |
| U S WIDE FINANCIAL LLC | $1,175,000 | $340,000 | -71.1% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $575,000 | $335,000 | -41.7% | 0.0% |
| Evolve Bank & Trust | $335,000 | n/a | 0.0% | |
| First National Bank of Waterloo | $335,000 | n/a | 0.0% | |
| Origin Bank | $335,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $335,000 | n/a | 0.0% | |
| United Nations Federal Credit Union | $335,000 | n/a | 0.0% | |
| The Union State Bank of Everest | $330,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $330,000 | n/a | 0.0% | |
| Bank of Springfield | $905,000 | $325,000 | -64.1% | 0.0% |
| Chicago Mortgage Solutions LLC | $320,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $765,000 | $315,000 | -58.8% | 0.0% |
| WINGS FINANCIAL | $315,000 | n/a | 0.0% | |
| First Federal Bank of Kansas City | $380,000 | $305,000 | -19.7% | 0.0% |
| ZILLOW HOME LOANS, LLC | $2,285,000 | $305,000 | -86.7% | 0.0% |
| Heritage Community Bank | $250,000 | $295,000 | 18.0% | 0.0% |
| First National Bank of Omaha | $285,000 | n/a | 0.0% | |
| Mid-Missouri Bank | $285,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $660,000 | $270,000 | -59.1% | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | $380,000 | $265,000 | -30.3% | 0.0% |
| Southern Bank | $265,000 | n/a | 0.0% | |
| Nations Lending Corporation | $260,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $255,000 | n/a | 0.0% | |
| Midland States Bank | $135,000 | $255,000 | 88.9% | 0.0% |
| Mortgage Investment Services Corporation | $250,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $605,000 | $245,000 | -59.5% | 0.0% |
| Renasant Bank | $205,000 | $245,000 | 19.5% | 0.0% |
| United Fidelity Funding Corp. | $460,000 | $245,000 | -46.7% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $240,000 | n/a | 0.0% | |
| RED DIAMOND HOME LOANS, LLC | $510,000 | $235,000 | -53.9% | 0.0% |
| ACADEMY MORTGAGE CORPORATION | $225,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $225,000 | n/a | 0.0% | |
| Goodfield State Bank | $195,000 | $215,000 | 10.3% | 0.0% |
| Grand Bank for Savings, FSB | $115,000 | $215,000 | 87.0% | 0.0% |
| ALLIANT CREDIT UNION | $205,000 | n/a | 0.0% | |
| Mazuma Credit Union | $205,000 | n/a | 0.0% | |
| Paramount Residential Mortgage Group, Inc. | $505,000 | $205,000 | -59.4% | 0.0% |
| BAY EQUITY LLC | $195,000 | n/a | 0.0% | |
| LOANPAL, LLC | $640,000 | $195,000 | -69.5% | 0.0% |
| State Department Federal Credit Union | $195,000 | n/a | 0.0% | |
| Sullivan Bank | $485,000 | $195,000 | -59.8% | 0.0% |
| THRIVE MORTGAGE, LLC | $195,000 | n/a | 0.0% | |
| First Financial Bank | $185,000 | n/a | 0.0% | |
| Montgomery Bank | $185,000 | n/a | 0.0% | |
| Peoples Bank | $185,000 | n/a | 0.0% | |
| STAR USA FEDERAL CREDIT UNION | $185,000 | n/a | 0.0% | |
| ACCESS CAPITAL FUNDING, L.L.C. | $530,000 | $175,000 | -67.0% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $175,000 | n/a | 0.0% | |
| The Home Loan Expert LLC | $1,140,000 | $175,000 | -84.6% | 0.0% |
| Citizens Bank | $670,000 | $165,000 | -75.4% | 0.0% |
| F & C Bank | $165,000 | n/a | 0.0% | |
| Security National Bank of Omaha | $165,000 | n/a | 0.0% | |
| Academy Bank | $285,000 | $155,000 | -45.6% | 0.0% |
| CANOPY MORTGAGE, LLC | $215,000 | $155,000 | -27.9% | 0.0% |
| Central National Bank | $625,000 | $155,000 | -75.2% | 0.0% |
| Equity Prime Mortgage LLC | $305,000 | $155,000 | -49.2% | 0.0% |
| LENDINGONE, LLC | $585,000 | $155,000 | -73.5% | 0.0% |
| Bank of St. Elizabeth | $2,525,000 | $145,000 | -94.3% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $145,000 | n/a | 0.0% | |
| VANTAGE Credit Union | $135,000 | n/a | 0.0% | |
| FAMILY FINANCE MORTGAGE, LLC | $175,000 | $125,000 | -28.6% | 0.0% |
| Flanagan State Bank | $125,000 | n/a | 0.0% | |
| JLB CORPORATION | $815,000 | $125,000 | -84.7% | 0.0% |
| Merchants Bank of Indiana | $8,650,000 | $125,000 | -98.6% | 0.0% |
| Plains Commerce Bank | $125,000 | n/a | 0.0% | |
| The Huntington National Bank | $2,850,000 | $125,000 | -95.6% | 0.0% |
| UNION HOME MORTGAGE CORP. | $2,150,000 | $125,000 | -94.2% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $110,000 | $125,000 | 13.6% | 0.0% |
| ELECTRO SAVINGS CREDIT UNION | $115,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $3,150,000 | $115,000 | -96.3% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $115,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $55,000 | $115,000 | 109.1% | 0.0% |
| Truist | $1,595,000 | $115,000 | -92.8% | 0.0% |
| EVERETT FINANCIAL, INC. | $105,000 | n/a | 0.0% | |
| Old Missouri Bank | $105,000 | n/a | 0.0% | |
| Enterprise Bank & Trust | $95,000 | n/a | 0.0% | |
| First Guaranty Mortgage Corporation | $1,320,000 | $95,000 | -92.8% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $95,000 | n/a | 0.0% | |
| The Bank of Old Monroe | $1,025,000 | $95,000 | -90.7% | 0.0% |
| LIMA ONE CAPITAL, LLC | $85,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $75,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $155,000 | $65,000 | -58.1% | 0.0% |
| R-G Federal Credit Union | $55,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $25,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $875,000 | $25,000 | -97.1% | 0.0% |
COLUMBIA's top lender by overall market share is The Central Trust Bank, with 14.6% market share. In second place, with 10.1%, is FLAT BRANCH MORTGAGE, INC., having originated $145,385,000 in loans. In third place, with 6.4%, is U.S. Bank, having originated $91,720,000 in loans. In fourth place, with 4.3%, is Wells Fargo Bank, having originated $61,505,000 in loans. In fifth place, with 3.9%, is Hawthorn Bank, having originated $56,495,000 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%) | $281,309 (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%) | $293,218 (-3.0%) | 0.83 | 913 |
| 2018-07-01 | $248,050 (3.6%) | $292,455 (-0.1%) | 0.83 | 922 |
| 2018-08-01 | $237,425 (2.6%) | $286,035 (-0.1%) | 0.80 | 952 |
| 2018-09-01 | $234,900 (5.6%) | $278,854 (0.3%) | 0.79 | 999 |
| 2018-10-01 | $232,475 (3.4%) | $276,905 (-0.1%) | 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%) | $286,340 (0.0%) | 0.77 | 790 |
| 2019-04-01 | $244,962 (-0.3%) | $292,364 (0.3%) | 0.78 | 775 |
| 2019-05-01 | $246,125 (-2.5%) | $289,995 (-1.4%) | 0.77 | 786 |
| 2019-06-01 | $242,500 (-3.0%) | $291,725 (-0.5%) | 0.76 | 808 |
| 2019-07-01 | $239,950 (-3.3%) | $292,522 (0.0%) | 0.75 | 824 |
| 2019-08-01 | $240,882 (1.5%) | $292,929 (2.4%) | 0.76 | 792 |
| 2019-09-01 | $242,355 (3.2%) | $294,147 (5.5%) | 0.78 | 764 |
| 2019-10-01 | $244,975 (5.4%) | $294,958 (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 (9.3%) | 0.84 | 502 |
| 2020-05-01 | $267,000 (8.5%) | $317,140 (9.4%) | 0.81 | 486 |
| 2020-06-01 | $272,450 (12.4%) | $333,351 (14.3%) | 0.80 | 469 |
| 2020-07-01 | $276,950 (15.4%) | $340,382 (16.4%) | 0.80 | 455 |
| 2020-08-01 | $276,900 (15.0%) | $336,721 (15.0%) | 0.79 | 439 |
| 2020-09-01 | $264,900 (9.3%) | $327,163 (11.2%) | 0.76 | 410 |
| 2020-10-01 | $248,900 (1.6%) | $316,776 (7.4%) | 0.71 | 399 |
| 2020-11-01 | $245,000 (2.1%) | $326,337 (10.6%) | 0.72 | 376 |
| 2020-12-01 | $253,175 (7.8%) | $343,127 (15.7%) | 0.75 | 331 |
| 2021-01-01 | $254,900 (11.4%) | $367,875 (25.7%) | 0.76 | 265 |
| 2021-02-01 | $248,950 (4.6%) | $388,217 (31.4%) | 0.72 | 201 |
| 2021-03-01 | $269,900 (7.7%) | $373,763 (22.2%) | 0.77 | 213 |
| 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 (-3.2%) | $344,978 (2.5%) | 0.71 | 314 |
| 2021-09-01 | $251,450 (-5.1%) | $330,602 (1.1%) | 0.67 | 303 |
| 2021-10-01 | $269,900 (8.4%) | $338,086 (6.7%) | 0.72 | 294 |
| 2021-11-01 | $260,000 (6.1%) | $337,462 (3.4%) | 0.70 | 256 |
| 2021-12-01 | $277,812 (9.7%) | $351,981 (2.6%) | 0.75 | 218 |
| 2022-01-01 | $317,450 (24.5%) | $368,817 (0.3%) | 0.86 | 166 |
| 2022-02-01 | $314,048 (26.2%) | $392,129 (1.0%) | 0.82 | 163 |
| 2022-03-01 | $304,988 (13.0%) | $386,958 (3.5%) | 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 (32.9%) | $407,744 (20.8%) | 0.83 | 407 |
| 2022-12-01 | $342,450 (23.3%) | $406,068 (15.4%) | 0.85 | 355 |
| 2023-01-01 | $354,450 (11.7%) | $415,031 (12.5%) | 0.88 | 299 |
| 2023-02-01 | $352,500 (12.2%) | $408,961 (4.3%) | 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 | $394,450 (15.5%) | $476,089 (10.8%) | 0.89 | 326 |
| 2023-06-01 | $398,075 (17.7%) | $476,657 (11.9%) | 0.89 | 327 |
| 2023-07-01 | $389,900 (16.4%) | $459,003 (9.0%) | 0.89 | 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 |
COLUMBIA's median listing price for 2023-10-01 was $397,000, a difference of
$47,000
(13.4%) versus the prior year and
$10,750 versus the prior month.
COLUMBIA's median listing price comes in at 93% of the national average.
COLUMBIA's average listing price for 2023-10-01 was $467,196, a difference of $49,210 (11.8%) versus the prior year and $3,075 versus the prior month.
For the 2023-10-01 period, COLUMBIA had 425 MLS listings, a difference of 11 listings (3%) versus the prior month and 26 listings (7%) versus the prior year.
COLUMBIA's median listing price comes in at 93% of the national average.
COLUMBIA's average listing price for 2023-10-01 was $467,196, a difference of $49,210 (11.8%) versus the prior year and $3,075 versus the prior month.
For the 2023-10-01 period, COLUMBIA had 425 MLS listings, a difference of 11 listings (3%) versus the prior month and 26 listings (7%) 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 | 1,993 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 | 2,230 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 | 2,065 sqft |
| 2019-04-01 | 43 days | 2,150 sqft |
| 2019-05-01 | 47 days | 2,144 sqft |
| 2019-06-01 | 53 days | 2,151 sqft |
| 2019-07-01 | 56 days | 2,088 sqft |
| 2019-08-01 | 58 days | 2,102 sqft |
| 2019-09-01 | 60 days | 2,124 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 | 2,097 sqft |
| 2020-09-01 | 44 days | 2,005 sqft |
| 2020-10-01 | 37 days | 1,953 sqft |
| 2020-11-01 | 41 days | 1,931 sqft |
| 2020-12-01 | 54 days | 1,968 sqft |
| 2021-01-01 | 58 days | 1,969 sqft |
| 2021-02-01 | 28 days | 1,945 sqft |
| 2021-03-01 | 18 days | 1,953 sqft |
| 2021-04-01 | 21 days | 2,126 sqft |
| 2021-05-01 | 15 days | 2,021 sqft |
| 2021-06-01 | 16 days | 1,986 sqft |
| 2021-07-01 | 22 days | 2,053 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 | 1,938 sqft |
| 2021-12-01 | 44 days | 1,972 sqft |
| 2022-01-01 | 41 days | 2,000 sqft |
| 2022-02-01 | 26 days | 1,977 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 | 2,224 sqft |
| 2023-07-01 | 26 days | 2,120 sqft |
| 2023-08-01 | 42 days | 2,164 sqft |
| 2023-09-01 | 51 days | 2,200 sqft |
| 2023-10-01 | 53 days | 2,219 sqft |
COLUMBIA's median listing age (time on market) for 2023-10-01 was 53 days.
This
is 17%
longer
than the same period one year ago.
COLUMBIA's median square footage for active listings during the 2023-10-01 period was 2,219 sqft. One year prior, the average listing was 2,004 sqft.
COLUMBIA's median square footage for active listings during the 2023-10-01 period was 2,219 sqft. One year prior, the average listing was 2,004 sqft.
COLUMBIA, MO Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 65010 | Columbia, MO | $610 | $650 | $790 | $1,060 | $1,300 |
| 65039 | Columbia, MO | $610 | $650 | $790 | $1,060 | $1,300 |
| 65201 | Columbia, MO | $670 | $730 | $890 | $1,190 | $1,410 |
| 65202 | Columbia, MO | $630 | $690 | $840 | $1,130 | $1,330 |
| 65203 | Columbia, MO | $660 | $720 | $880 | $1,180 | $1,390 |
| 65205 | Columbia, MO | $660 | $720 | $880 | $1,180 | $1,390 |
| 65211 | Columbia, MO | $660 | $720 | $880 | $1,180 | $1,390 |
| 65215 | Columbia, MO | $670 | $730 | $890 | $1,190 | $1,410 |
| 65240 | Columbia, MO | $610 | $650 | $790 | $1,060 | $1,300 |
| 65243 | Columbia, MO | $610 | $650 | $790 | $1,060 | $1,300 |
| 65255 | Columbia, MO | $610 | $650 | $800 | $1,070 | $1,300 |
| 65256 | Columbia, MO | $610 | $650 | $790 | $1,060 | $1,300 |
| 65279 | Columbia, MO | $770 | $830 | $1,020 | $1,370 | $1,600 |
| 65284 | Columbia, MO | $620 | $660 | $800 | $1,070 | $1,310 |
| 65299 | Columbia, MO | $660 | $720 | $880 | $1,180 | $1,390 |
2022 Average & Median Rent Data Statistics
COLUMBIA, MO average 1BR rent: $695, median: $690
COLUMBIA, MO average 2BR rent: $847, median: $840
COLUMBIA, MO average 3BR rent: $1,136, median: $1,130
COLUMBIA, MO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,088 | $985,290,000 | $319,071 |
| Refi | 671 | $201,885,000 | $300,872 |
| Cash Out Refi | 622 | $182,220,000 | $292,958 |
| Other | 384 | $39,470,000 | $102,786 |
| Home Improvement | 378 | $28,920,000 | $76,508 |
Columbia's most frequently cited loan purpose was Home Purchase, with 3,088 originations. The 2nd most popular reason was Refi, with 671 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 1,130 | $292,140,000 | $258,531 |
| 3-4% | 1,084 | $366,440,000 | $338,044 |
| 4-5% | 1,053 | $339,445,000 | $322,360 |
| 6-7% | 484 | $98,360,000 | $203,223 |
| 2.5-3% | 390 | $90,360,000 | $231,692 |
| 7-8% | 141 | $21,895,000 | $155,284 |
| <2.5% | 66 | $79,810,000 | $1,209,242 |
| Over 8% | 55 | $3,915,000 | $71,182 |
During 2022, Columbia's most frequently originated rate bucket was 5-6%, with 1,130 originations.
Loan Sizing (COLUMBIA, MO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,814 | $498,580,000 | $274,851 |
| $100k-200k | 1,678 | $252,730,000 | $150,614 |
| $100,000 or less | 1,059 | $60,185,000 | $56,832 |
| $400k-600k | 389 | $186,905,000 | $480,476 |
| $600k-1000k | 137 | $96,705,000 | $705,876 |
| $Over $1MM | 66 | $342,680,000 | $5,192,121 |
COLUMBIA's loan sizing saw the bucket of loans from $200k-400k with 1,814 originations, totaling $498,580,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,834 | $523,810,000 | $285,611 |
| 60-80% | 1,281 | $376,005,000 | $293,525 |
| 40-60% | 438 | $166,140,000 | $379,315 |
| Under 20% | 430 | $84,200,000 | $195,814 |
| 20-40% | 350 | $98,000,000 | $280,000 |
| Over 100% | 56 | $18,770,000 | $335,179 |
COLUMBIA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,834 originations, totaling $523,810,000 in origination value.