COLUMBIA Mortgage Rates & Closing Costs
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% |
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 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.