COLUMBIA Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Columbia averaged
5.29%
for the week of 2022-05-19, compared to the national average of
5.25% for the same period.
The average rate for the prior week (2022-05-12) was
5.44% and
one month ago for the week of 2022-04-14, the
average rate was 4.94%.
Columbia's average rate one year ago was 2.91%.
For refis of the same type during the week of 2022-05-19, the average rate
was 5.37%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-19 | 5.25% |
| Columbia 30 Year Fixed Rate | 2022-05-19 | 5.29% |
| Columbia 30 Year Fixed Rate Refi | 2022-05-19 | 5.37% |
| Columbia 15 Year Fixed Rate | 2022-05-19 | 4.49% |
| Columbia 15 Year Fixed Rate Refi | 2022-05-19 | 4.73% |
| Columbia 30 Year FHA | 2022-05-19 | 5.38% |
| Columbia 30 Year FHA Refi | 2022-05-19 | 5.38% |
| Columbia 30 Year USDA | 2022-05-19 | 5.32% |
| Columbia 30 Year USDA Refi | 2022-05-19 | 5.49% |
| Columbia 30 Year VA | 2022-05-19 | 5.44% |
| Columbia 30 Year VA Refi | 2022-05-19 | 4.88% |
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 lendor, 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, MO's 182 lenders originated 8,383
loans during 2021. The total origination value was $1,905,145,000, with an average loan value of
$227,263.
The top COLUMBIA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
739 loans originated. Their average total fees are
$2,448, which is $9
higher than the next largest lender,
The Central Trust Bank.
The lowest fee COLUMBIA lenders (with over 10 loans originated) are
Stifel Bank and Trust ($1,714), MISSOURI Credit Union ($1,736), JPMorgan Chase Bank ($1,742), The Callaway Bank ($1,786) and Capitol Federal Savings Bank ($1,887).
The lowest rate COLUMBIA lenders (with over 10 loans originated) are
The Bank of Missouri (2.65%), AMERISAVE MORTGAGE CORPORATION (2.76%), UMB Bank (2.81%), Mortgage Research Center, LLC (2.83%) and Capitol Federal Savings Bank (2.85%).
COLUMBIA, MO Lender Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| The Central Trust Bank | $29,500,000 | $310,470,000 | 952.4% | 16.3% |
| FLAT BRANCH MORTGAGE, INC. | $252,275,000 | $247,560,000 | -1.9% | 13.0% |
| DAS Acquisition Company, LLC | $83,300,000 | $101,365,000 | 21.7% | 5.3% |
| MISSOURI Credit Union | $100,370,000 | $82,560,000 | -17.7% | 4.3% |
| Mortgage Research Center, LLC | $65,900,000 | $76,885,000 | 16.7% | 4.0% |
| Hawthorn Bank | $76,030,000 | $69,855,000 | -8.1% | 3.7% |
| QUICKEN LOANS, LLC | $65,130,000 | $65,860,000 | 1.1% | 3.5% |
| Simmons Bank | $69,005,000 | $61,910,000 | -10.3% | 3.2% |
| The Bank of Missouri | $48,200,000 | $45,000,000 | -6.6% | 2.4% |
| The Callaway Bank | $68,930,000 | $43,810,000 | -36.4% | 2.3% |
| First State Community Bank | $36,890,000 | $36,760,000 | -0.4% | 1.9% |
| U.S. Bank | $32,695,000 | $36,690,000 | 12.2% | 1.9% |
| Wells Fargo Bank | $11,340,000 | $36,160,000 | 218.9% | 1.9% |
| COMMERCIAL TRUST COMPANY OF FAYETTE | $42,075,000 | $31,970,000 | -24.0% | 1.7% |
| Midwest Mortgage Associates Corporation | $20,660,000 | $28,205,000 | 36.5% | 1.5% |
| Commerce Bank | $37,395,000 | $27,100,000 | -27.5% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $27,865,000 | $24,145,000 | -13.4% | 1.3% |
| Arvest Bank | $5,985,000 | $23,780,000 | 297.3% | 1.2% |
| River Region Credit Union | $26,390,000 | $23,440,000 | -11.2% | 1.2% |
| Capitol Federal Savings Bank | $8,440,000 | $22,675,000 | 168.7% | 1.2% |
| WEST COMMUNITY | $16,620,000 | $19,860,000 | 19.5% | 1.0% |
| BETTER MORTGAGE CORPORATION | $5,305,000 | $17,785,000 | 235.2% | 0.9% |
| Great Southern Bank | $1,845,000 | $16,230,000 | 779.7% | 0.9% |
| LOANDEPOT.COM, LLC | $7,975,000 | $13,820,000 | 73.3% | 0.7% |
| UMB Bank | $21,575,000 | $13,795,000 | -36.1% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $6,925,000 | $13,775,000 | 98.9% | 0.7% |
| Alliant Bank | $17,330,000 | $12,935,000 | -25.4% | 0.7% |
| Bank of America | $9,900,000 | $12,580,000 | 27.1% | 0.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $9,465,000 | $11,840,000 | 25.1% | 0.6% |
| Oakstar Bank | $13,830,000 | $11,640,000 | -15.8% | 0.6% |
| HOME POINT FINANCIAL CORPORATION | $6,825,000 | $10,635,000 | 55.8% | 0.6% |
| First Midwest Bank of Poplar Bluff | $19,450,000 | $10,560,000 | -45.7% | 0.6% |
| Bell Bank | $2,935,000 | $9,940,000 | 238.7% | 0.5% |
| Exchange Bank of Missouri | $19,165,000 | $9,620,000 | -49.8% | 0.5% |
| COMMUNITY MORTGAGE, LLC | $9,460,000 | $9,590,000 | 1.4% | 0.5% |
| Regions Bank | $10,400,000 | $9,215,000 | -11.4% | 0.5% |
| First Mid Bank & Trust | $8,780,000 | n/a | 0.5% | |
| Merchants Bank of Indiana | $195,000 | $8,650,000 | 4,335.9% | 0.5% |
| Mid America Bank | $6,695,000 | $8,170,000 | 22.0% | 0.4% |
| WALKER & DUNLOP, LLC | $7,755,000 | n/a | 0.4% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,290,000 | $7,680,000 | 235.4% | 0.4% |
| JPMorgan Chase Bank | $2,715,000 | $7,175,000 | 164.3% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,125,000 | $7,145,000 | -12.1% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $4,580,000 | $6,935,000 | 51.4% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $5,655,000 | $6,745,000 | 19.3% | 0.4% |
| CALIBER HOME LOANS, INC. | $4,530,000 | $6,615,000 | 46.0% | 0.3% |
| Regional Missouri Bank | $6,070,000 | $6,580,000 | 8.4% | 0.3% |
| Flagstar Bank, FSB | $7,670,000 | $6,530,000 | -14.9% | 0.3% |
| Mid-Continent Funding, Inc. | $11,600,000 | $6,435,000 | -44.5% | 0.3% |
| Magnolia Bank | $9,860,000 | $6,380,000 | -35.3% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $3,285,000 | $5,360,000 | 63.2% | 0.3% |
| BROKER SOLUTIONS, INC. | $6,660,000 | $4,860,000 | -27.0% | 0.3% |
| FirstBank | $4,830,000 | n/a | 0.3% | |
| GERSHMAN INVESTMENT CORP. | $5,575,000 | $4,100,000 | -26.5% | 0.2% |
| Stifel Bank and Trust | $5,430,000 | $3,920,000 | -27.8% | 0.2% |
| North American Savings Bank, F.S.B. | $4,545,000 | $3,910,000 | -14.0% | 0.2% |
| NBKC BANK | $2,735,000 | $3,625,000 | 32.5% | 0.2% |
| NEWREZ LLC | $1,625,000 | $3,515,000 | 116.3% | 0.2% |
| USAA Federal Savings Bank | $4,775,000 | $3,490,000 | -26.9% | 0.2% |
| ON Q FINANCIAL, INC. | $5,790,000 | $3,380,000 | -41.6% | 0.2% |
| GUILD MORTGAGE COMPANY | $4,130,000 | $3,335,000 | -19.2% | 0.2% |
| First State Bank of St. Charles, Missouri | $2,080,000 | $3,150,000 | 51.4% | 0.2% |
| Carrollton Bank | $700,000 | $2,910,000 | 315.7% | 0.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | $1,395,000 | $2,870,000 | 105.7% | 0.2% |
| The Huntington National Bank | $1,140,000 | $2,850,000 | 150.0% | 0.1% |
| NEW DAY FINANCIAL, LLC | $2,405,000 | $2,720,000 | 13.1% | 0.1% |
| The Missouri Bank | $3,900,000 | $2,695,000 | -30.9% | 0.1% |
| DELMAR FINANCIAL COMPANY | $2,420,000 | $2,640,000 | 9.1% | 0.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $3,305,000 | $2,590,000 | -21.6% | 0.1% |
| Bank of St. Elizabeth | $1,125,000 | $2,525,000 | 124.4% | 0.1% |
| Providence Bank | $45,675,000 | $2,400,000 | -94.7% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,635,000 | $2,290,000 | 40.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $595,000 | $2,285,000 | 284.0% | 0.1% |
| MISSOURI ELECTRIC COOPERATIVES EMPL | $3,420,000 | $2,230,000 | -34.8% | 0.1% |
| Charles Schwab Bank, SSB | $2,185,000 | n/a | 0.1% | |
| Community Mortgage Banc Corporation | $3,510,000 | $2,185,000 | -37.7% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $975,000 | $2,160,000 | 121.5% | 0.1% |
| UNION HOME MORTGAGE CORP. | $470,000 | $2,150,000 | 357.4% | 0.1% |
| Carrington Mortgage Services, LLC | $3,795,000 | $2,115,000 | -44.3% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $1,775,000 | $2,040,000 | 14.9% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,275,000 | $1,970,000 | 54.5% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $670,000 | $1,960,000 | 192.5% | 0.1% |
| GSF Mortgage Corporation | $2,610,000 | $1,920,000 | -26.4% | 0.1% |
| CMG MORTGAGE, INC. | $1,835,000 | $1,910,000 | 4.1% | 0.1% |
| Wood & Huston Bank | $855,000 | $1,900,000 | 122.2% | 0.1% |
| GUARANTEED RATE, INC. | $365,000 | $1,885,000 | 416.4% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $1,075,000 | $1,850,000 | 72.1% | 0.1% |
| PNC Bank | $750,000 | $1,835,000 | 144.7% | 0.1% |
| The Federal Savings Bank | $3,095,000 | $1,810,000 | -41.5% | 0.1% |
| HomeBank | $3,760,000 | $1,800,000 | -52.1% | 0.1% |
| AMERICAN FINANCING CORPORATION | $1,435,000 | $1,780,000 | 24.0% | 0.1% |
| People's Savings Bank of Rhineland | $1,695,000 | n/a | 0.1% | |
| Truist Bank | $865,000 | $1,595,000 | 84.4% | 0.1% |
| BNC National Bank | $1,380,000 | $1,515,000 | 9.8% | 0.1% |
| Ally Bank | $195,000 | $1,460,000 | 648.7% | 0.1% |
| OAKTREE FUNDING CORP. | $1,425,000 | n/a | 0.1% | |
| BTC BANK | $1,090,000 | $1,395,000 | 28.0% | 0.1% |
| BLUCURRENT | $285,000 | $1,365,000 | 378.9% | 0.1% |
| The Maries County Bank | $255,000 | $1,350,000 | 429.4% | 0.1% |
| First Guaranty Mortgage Corporation | $865,000 | $1,320,000 | 52.6% | 0.1% |
| CrossFirst Bank | $1,305,000 | n/a | 0.1% | |
| InterContinental Capital Group, Inc | $1,305,000 | n/a | 0.1% | |
| First Bank | $1,665,000 | $1,295,000 | -22.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,240,000 | $1,280,000 | 3.2% | 0.1% |
| Associated Bank | $625,000 | $1,225,000 | 96.0% | 0.1% |
| Community State Bank of Missouri | $2,805,000 | $1,220,000 | -56.5% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,670,000 | $1,190,000 | -28.7% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,575,000 | $1,190,000 | -53.8% | 0.1% |
| U S WIDE FINANCIAL LLC | $305,000 | $1,175,000 | 285.2% | 0.1% |
| BOKF | $1,620,000 | $1,160,000 | -28.4% | 0.1% |
| FCS Financial FLCA | $1,160,000 | n/a | 0.1% | |
| FIRST INTEGRITY MORTGAGE SERVICES, INC. | $695,000 | $1,160,000 | 66.9% | 0.1% |
| The Home Loan Expert LLC | $555,000 | $1,140,000 | 105.4% | 0.1% |
| The Bank of Old Monroe | $1,025,000 | n/a | 0.1% | |
| ADVANCIAL | $995,000 | n/a | 0.1% | |
| First Mortgage Solutions, LLC | $905,000 | $995,000 | 9.9% | 0.1% |
| NBH Bank | $205,000 | $980,000 | 378.0% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $290,000 | $940,000 | 224.1% | 0.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $810,000 | $915,000 | 13.0% | 0.0% |
| Bank of Springfield | $905,000 | n/a | 0.0% | |
| Northwest Bank | $165,000 | $905,000 | 448.5% | 0.0% |
| UIF CORPORATION | $445,000 | $890,000 | 100.0% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $685,000 | $880,000 | 28.5% | 0.0% |
| DUPACO COMMUNITY | $265,000 | $875,000 | 230.2% | 0.0% |
| COMMUNITYAMERICA | $715,000 | $850,000 | 18.9% | 0.0% |
| PHH Mortgage Corporation | $845,000 | n/a | 0.0% | |
| Bloomsdale Bank | $840,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $725,000 | $840,000 | 15.9% | 0.0% |
| Citizens Bank | $285,000 | $835,000 | 193.0% | 0.0% |
| JLB CORPORATION | $410,000 | $815,000 | 98.8% | 0.0% |
| Low VA Rates, LLC | $820,000 | $815,000 | -0.6% | 0.0% |
| Discover Bank | $220,000 | $765,000 | 247.7% | 0.0% |
| GENEVA FINANCIAL, LLC | $765,000 | n/a | 0.0% | |
| First Federal Bank | $735,000 | $755,000 | 2.7% | 0.0% |
| KeyBank | $755,000 | n/a | 0.0% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $135,000 | $740,000 | 448.1% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $165,000 | $740,000 | 348.5% | 0.0% |
| Northpointe Bank | $265,000 | $725,000 | 173.6% | 0.0% |
| PROPER RATE, LLC | $715,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $410,000 | $705,000 | 72.0% | 0.0% |
| CIBC Bank USA | $695,000 | n/a | 0.0% | |
| Triumph Bank | $340,000 | $690,000 | 102.9% | 0.0% |
| FIRST COMMUNITY | $995,000 | $680,000 | -31.7% | 0.0% |
| United Community Bank | $505,000 | $680,000 | 34.7% | 0.0% |
| Citizens Bank | $285,000 | $670,000 | 135.1% | 0.0% |
| TIAA, FSB | $1,070,000 | $670,000 | -37.4% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $660,000 | n/a | 0.0% | |
| Victorian Finance, LLC | $660,000 | n/a | 0.0% | |
| LOANPAL, LLC | $1,045,000 | $640,000 | -38.8% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $535,000 | $635,000 | 18.7% | 0.0% |
| ALLIANCE CREDIT UNION | $15,000 | $625,000 | 4,066.7% | 0.0% |
| Central National Bank | $780,000 | $625,000 | -19.9% | 0.0% |
| INB | $620,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $605,000 | n/a | 0.0% | |
| Sunflower Bank | $7,520,000 | $600,000 | -92.0% | 0.0% |
| Gateway First Bank | $255,000 | $590,000 | 131.4% | 0.0% |
| LENDINGONE, LLC | $585,000 | n/a | 0.0% | |
| Figure Lending LLC | $190,000 | $580,000 | 205.3% | 0.0% |
| PLANET HOME LENDING, LLC | $1,590,000 | $580,000 | -63.5% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $770,000 | $575,000 | -25.3% | 0.0% |
| Landmark National Bank | $2,010,000 | $570,000 | -71.6% | 0.0% |
| BMO Harris Bank | $580,000 | $565,000 | -2.6% | 0.0% |
| United Credit Union | $510,000 | $565,000 | 10.8% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $620,000 | $540,000 | -12.9% | 0.0% |
| ACCESS CAPITAL FUNDING, L.L.C. | $530,000 | n/a | 0.0% | |
| Ixonia Bank | $315,000 | $530,000 | 68.3% | 0.0% |
| First Home Bank | $520,000 | n/a | 0.0% | |
| RED DIAMOND HOME LOANS, LLC | $490,000 | $510,000 | 4.1% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $505,000 | n/a | 0.0% | |
| Sullivan Bank | $535,000 | $485,000 | -9.3% | 0.0% |
| ASSEMBLIES OF GOD Credit Union | $475,000 | n/a | 0.0% | |
| Fidelity Bank | $175,000 | $475,000 | 171.4% | 0.0% |
| Paramount Bank | $1,745,000 | $460,000 | -73.6% | 0.0% |
| United Fidelity Funding Corp. | $1,205,000 | $460,000 | -61.8% | 0.0% |
| HNB National Bank | $1,495,000 | $430,000 | -71.2% | 0.0% |
| First Horizon Bank | $410,000 | n/a | 0.0% | |
| Choice Financial Group | $405,000 | n/a | 0.0% | |
| CHEVRON | $395,000 | n/a | 0.0% | |
| HANCOCK MORTGAGE PARTNERS, LLC | $390,000 | n/a | 0.0% | |
| First Federal Bank of Kansas City | $1,985,000 | $380,000 | -80.9% | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | $380,000 | n/a | 0.0% | |
| Mutual Federal Bank | $365,000 | n/a | 0.0% | |
| RCB Bank | $365,000 | n/a | 0.0% | |
| First Community Bank | $355,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $350,000 | n/a | 0.0% | |
| Red River Bank | $345,000 | n/a | 0.0% | |
| FINANCE OF AMERICA MORTGAGE LLC | $450,000 | $340,000 | -24.4% | 0.0% |
| Baxter Credit Union | $520,000 | $335,000 | -35.6% | 0.0% |
| MORTGAGE SOLUTIONS LLC | $225,000 | $330,000 | 46.7% | 0.0% |
| Bank of Whittier | $325,000 | n/a | 0.0% | |
| Midwest BankCentre | $830,000 | $325,000 | -60.8% | 0.0% |
| TIB The Independent Bankersbank | $325,000 | n/a | 0.0% | |
| Gate City Bank | $315,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $315,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $440,000 | $305,000 | -30.7% | 0.0% |
| First Midwest Bank of Dexter | $305,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $300,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $295,000 | n/a | 0.0% | |
| Citibank | $475,000 | $295,000 | -37.9% | 0.0% |
| F&B Acquisition Group LLC | $590,000 | $290,000 | -50.8% | 0.0% |
| West Gate Bank | $290,000 | n/a | 0.0% | |
| Academy Bank | $845,000 | $285,000 | -66.3% | 0.0% |
| THOMPSON KANE & COMPANY, LLC | $935,000 | $280,000 | -70.1% | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | $275,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $705,000 | $270,000 | -61.7% | 0.0% |
| Ameris Bank | $115,000 | $265,000 | 130.4% | 0.0% |
| Banterra Bank | $265,000 | $255,000 | -3.8% | 0.0% |
| Union Bank and Trust Company | $255,000 | $255,000 | 0.0% | 0.0% |
| Heritage Community Bank | $65,000 | $250,000 | 284.6% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $205,000 | $250,000 | 22.0% | 0.0% |
| First Midwest Bank | $650,000 | $245,000 | -62.3% | 0.0% |
| Marine Bank | $245,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $145,000 | $235,000 | 62.1% | 0.0% |
| Equity Bank | $295,000 | $230,000 | -22.0% | 0.0% |
| American Airlines Federal Credit Union | $215,000 | n/a | 0.0% | |
| Bank of the West | $215,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $215,000 | n/a | 0.0% | |
| Transportation Federal Credit Union | $215,000 | n/a | 0.0% | |
| Wells Bank | $300,000 | $215,000 | -28.3% | 0.0% |
| Renasant Bank | $345,000 | $205,000 | -40.6% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $200,000 | n/a | 0.0% | |
| FCB Banks | $410,000 | $195,000 | -52.4% | 0.0% |
| Goodfield State Bank | $195,000 | n/a | 0.0% | |
| Hometown Lenders, Inc. | $195,000 | n/a | 0.0% | |
| Kirkwood Bank & Trust Co. | $195,000 | n/a | 0.0% | |
| Old National Bank | $195,000 | n/a | 0.0% | |
| Servion, Inc. | $190,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $185,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $185,000 | $185,000 | 0.0% | 0.0% |
| Hometown Equity Mortgage, LLC | $185,000 | n/a | 0.0% | |
| Bankers Trust Company | $890,000 | $175,000 | -80.3% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $400,000 | $175,000 | -56.3% | 0.0% |
| FAMILY FINANCE MORTGAGE, LLC | $175,000 | n/a | 0.0% | |
| First National Bank | $175,000 | $175,000 | 0.0% | 0.0% |
| GNB Bank | $175,000 | n/a | 0.0% | |
| First Bankers Trust Company | $305,000 | $165,000 | -45.9% | 0.0% |
| Greenbox Loans, Inc. | $165,000 | n/a | 0.0% | |
| NP, Inc. | $165,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $250,000 | $155,000 | -38.0% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $535,000 | $135,000 | -74.8% | 0.0% |
| Luana Savings Bank | $135,000 | n/a | 0.0% | |
| Midland States Bank | $135,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $340,000 | $135,000 | -60.3% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $135,000 | n/a | 0.0% | |
| Bank of England | $515,000 | $125,000 | -75.7% | 0.0% |
| CELEBRITY HOME LOANS, LLC | $125,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $815,000 | $115,000 | -85.9% | 0.0% |
| Grand Bank for Savings, FSB | $95,000 | $115,000 | 21.1% | 0.0% |
| Manufacturers and Traders Trust Company | $75,000 | $115,000 | 53.3% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $65,000 | $110,000 | 69.2% | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $125,000 | $105,000 | -16.0% | 0.0% |
| ENCORE BANK | $105,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $105,000 | n/a | 0.0% | |
| S1L, Inc. | $105,000 | n/a | 0.0% | |
| First National Bank | $175,000 | $95,000 | -45.7% | 0.0% |
| KELLER MORTGAGE, LLC | $95,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $1,335,000 | $95,000 | -92.9% | 0.0% |
| The Nodaway Valley Bank | $380,000 | $95,000 | -75.0% | 0.0% |
| CENTRAL MISSOURI COMMUNITY CREDIT UNION | $85,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $225,000 | $75,000 | -66.7% | 0.0% |
| Bank of Washington | $105,000 | $75,000 | -28.6% | 0.0% |
| Centier Bank | $15,000 | $75,000 | 400.0% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $300,000 | $75,000 | -75.0% | 0.0% |
| STEARNS LENDING, LLC | $575,000 | $65,000 | -88.7% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $485,000 | $55,000 | -88.7% | 0.0% |
| Deseret First Credit Union | $15,000 | n/a | 0.0% |
COLUMBIA's top lender by overall market share is The Central Trust Bank, with 16.3% market share. In second place, with 13.0%, is FLAT BRANCH MORTGAGE, INC., having originated $247,560,000 in loans. In third place, with 5.3%, is DAS Acquisition Company, LLC, having originated $101,365,000 in loans. In third place, with 4.3%, is MISSOURI Credit Union, having originated $82,560,000 in loans. In third place, with 4.0%, is Mortgage Research Center, LLC, having originated $76,885,000 in loans.
COLUMBIA, MO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,853 | $949,335,000 | $246,389 |
| Refi | 3,082 | $653,720,000 | $212,109 |
| Cash Out Refi | 1,182 | $267,520,000 | $226,328 |
| Home Improvement | 150 | $16,850,000 | $112,333 |
| Other | 116 | $17,720,000 | $152,759 |
Columbia's most frequently cited loan purpose was Home Purchase, with 3,853 originations. The 2nd most popular reason was Refi, with 3,082 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 3,105 | $741,865,000 | $238,926 |
| 3-4% | 2,803 | $645,875,000 | $230,423 |
| <2.5% | 1,417 | $334,885,000 | $236,334 |
| 4-5% | 317 | $52,025,000 | $164,117 |
| 5-6% | 62 | $7,360,000 | $118,710 |
| 7-8% | 13 | $625,000 | $48,077 |
| 6-7% | 10 | $1,300,000 | $130,000 |
| Over 8% | 7 | $305,000 | $43,571 |
During 2021, Columbia's most frequently originated rate bucket was 2.5-3%, with 3,105 originations.
Loan Sizing (COLUMBIA, MO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 3,700 | $550,390,000 | $148,754 |
| $200k-400k | 2,963 | $798,185,000 | $269,384 |
| $100,000 or less | 1,102 | $77,340,000 | $70,181 |
| $400k-600k | 481 | $227,725,000 | $473,441 |
| $600k-1000k | 90 | $68,500,000 | $761,111 |
| $Over $1MM | 47 | $183,005,000 | $3,893,723 |
COLUMBIA's loan sizing saw the bucket of loans from $100k-200k with 3,700 originations, totaling $550,390,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 3,065 | $719,225,000 | $234,657 |
| 60-80% | 2,849 | $752,915,000 | $264,273 |
| 40-60% | 974 | $185,510,000 | $190,462 |
| 20-40% | 373 | $52,845,000 | $141,676 |
| Under 20% | 181 | $12,405,000 | $68,536 |
| Over 100% | 49 | $14,385,000 | $293,571 |
COLUMBIA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 3,065 originations, totaling $719,225,000 in origination value.
Market Conditions (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 | $229,400 (5.1%) | $284,052 (4.1%) | 0.84 | 719 |
| 2018-02-01 | $232,450 (3.3%) | $288,106 (1.4%) | 0.84 | 721 |
| 2018-03-01 | $241,900 (0.4%) | $291,176 (-0.8%) | 0.84 | 790 |
| 2018-04-01 | $251,950 (-1.2%) | $298,021 (-1.2%) | 0.85 | 819 |
| 2018-05-01 | $263,850 (3.0%) | $301,694 (-2.7%) | 0.88 | 867 |
| 2018-06-01 | $259,000 (0.7%) | $302,105 (-4.1%) | 0.86 | 867 |
| 2018-07-01 | $249,950 (0.0%) | $300,210 (-1.5%) | 0.83 | 873 |
| 2018-08-01 | $247,450 (2.7%) | $295,407 (-0.8%) | 0.83 | 916 |
| 2018-09-01 | $243,000 (5.7%) | $286,152 (-0.9%) | 0.81 | 971 |
| 2018-10-01 | $239,450 (4.2%) | $283,217 (-1.7%) | 0.80 | 1,021 |
| 2018-11-01 | $236,950 (4.9%) | $279,959 (-1.2%) | 0.79 | 945 |
| 2018-12-01 | $237,900 (3.5%) | $282,741 (0.8%) | 0.81 | 871 |
| 2019-01-01 | $238,950 (4.2%) | $289,714 (2.0%) | 0.82 | 774 |
| 2019-02-01 | $237,200 (2.0%) | $289,643 (0.5%) | 0.79 | 787 |
| 2019-03-01 | $246,671 (2.0%) | $297,924 (2.3%) | 0.80 | 772 |
| 2019-04-01 | $255,371 (1.4%) | $306,933 (3.0%) | 0.80 | 753 |
| 2019-05-01 | $255,900 (-3.0%) | $305,090 (1.1%) | 0.79 | 772 |
| 2019-06-01 | $250,000 (-3.5%) | $309,050 (2.3%) | 0.77 | 785 |
| 2019-07-01 | $252,450 (1.0%) | $310,071 (3.3%) | 0.78 | 796 |
| 2019-08-01 | $252,586 (2.1%) | $303,900 (2.9%) | 0.79 | 763 |
| 2019-09-01 | $249,700 (2.8%) | $301,740 (5.5%) | 0.79 | 722 |
| 2019-10-01 | $249,950 (4.4%) | $303,641 (7.2%) | 0.80 | 722 |
| 2019-11-01 | $249,900 (5.5%) | $303,373 (8.4%) | 0.81 | 692 |
| 2019-12-01 | $246,000 (3.4%) | $304,698 (7.8%) | 0.82 | 617 |
| 2020-01-01 | $243,500 (1.9%) | $301,679 (4.1%) | 0.81 | 550 |
| 2020-02-01 | $249,900 (5.4%) | $306,067 (5.7%) | 0.81 | 517 |
| 2020-03-01 | $254,900 (3.3%) | $314,035 (5.4%) | 0.80 | 536 |
| 2020-04-01 | $275,500 (7.9%) | $330,197 (7.6%) | 0.86 | 488 |
| 2020-05-01 | $272,000 (6.3%) | $326,578 (7.0%) | 0.82 | 461 |
| 2020-06-01 | $282,400 (13.0%) | $345,939 (11.9%) | 0.82 | 448 |
| 2020-07-01 | $290,000 (14.9%) | $353,155 (13.9%) | 0.83 | 424 |
| 2020-08-01 | $285,000 (12.8%) | $344,989 (13.5%) | 0.81 | 416 |
| 2020-09-01 | $277,950 (11.3%) | $329,345 (9.2%) | 0.79 | 389 |
| 2020-10-01 | $255,000 (2.0%) | $323,195 (6.4%) | 0.73 | 375 |
| 2020-11-01 | $247,000 (-1.2%) | $326,366 (7.6%) | 0.71 | 359 |
| 2020-12-01 | $251,150 (2.1%) | $341,750 (12.2%) | 0.74 | 315 |
| 2021-01-01 | $259,900 (6.7%) | $368,780 (22.2%) | 0.76 | 233 |
| 2021-02-01 | $252,500 (1.0%) | $393,501 (28.6%) | 0.73 | 188 |
| 2021-03-01 | $274,900 (7.9%) | $380,647 (21.2%) | 0.77 | 199 |
| 2021-04-01 | $299,500 (8.7%) | $390,734 (18.3%) | 0.80 | 179 |
| 2021-05-01 | $275,000 (1.1%) | $370,606 (13.5%) | 0.72 | 213 |
| 2021-06-01 | $282,450 (0.0%) | $380,274 (9.9%) | 0.73 | 255 |
| 2021-07-01 | $279,900 (-3.5%) | $357,895 (1.3%) | 0.73 | 307 |
| 2021-08-01 | $269,950 (-5.3%) | $350,189 (1.5%) | 0.71 | 305 |
| 2021-09-01 | $264,450 (-4.9%) | $341,650 (3.7%) | 0.70 | 297 |
| 2021-10-01 | $279,900 (9.8%) | $351,658 (8.8%) | 0.74 | 292 |
| 2021-11-01 | $279,900 (13.3%) | $355,898 (9.1%) | 0.74 | 250 |
| 2021-12-01 | $286,950 (14.3%) | $362,160 (6.0%) | 0.77 | 220 |
| 2022-01-01 | $331,600 (27.6%) | $384,179 (4.2%) | 0.88 | 161 |
| 2022-02-01 | $337,500 (33.7%) | $403,448 (2.5%) | 0.86 | 150 |
| 2022-03-01 | $317,450 (15.5%) | $400,540 (5.2%) | 0.78 | 170 |
| 2022-04-01 | $349,000 (16.5%) | $419,068 (7.3%) | 0.82 | 188 |
COLUMBIA's median listing price for 2022-04-01 was $349,000, a difference of
$49,500
(16.5%) versus the prior year and
$31,550 versus the prior month.
COLUMBIA's median listing price comes in at 82% of the national average.
COLUMBIA's average listing price for 2022-04-01 was $419,068, a difference of $28,334 (7.3%) versus the prior year and $18,528 versus the prior month.
For the 2022-04-01 period, COLUMBIA had 188 MLS listings, a difference of 18 listings (11%) versus the prior month and 9 listings (5%) versus the prior year.
COLUMBIA's median listing price comes in at 82% of the national average.
COLUMBIA's average listing price for 2022-04-01 was $419,068, a difference of $28,334 (7.3%) versus the prior year and $18,528 versus the prior month.
For the 2022-04-01 period, COLUMBIA had 188 MLS listings, a difference of 18 listings (11%) versus the prior month and 9 listings (5%) 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 | 78 days | 2,001 sqft |
| 2018-02-01 | 70 days | 2,042 sqft |
| 2018-03-01 | 53 days | 2,092 sqft |
| 2018-04-01 | 45 days | 2,211 sqft |
| 2018-05-01 | 49 days | 2,269 sqft |
| 2018-06-01 | 56 days | 2,257 sqft |
| 2018-07-01 | 64 days | 2,265 sqft |
| 2018-08-01 | 65 days | 2,214 sqft |
| 2018-09-01 | 63 days | 2,166 sqft |
| 2018-10-01 | 66 days | 2,156 sqft |
| 2018-11-01 | 77 days | 2,110 sqft |
| 2018-12-01 | 89 days | 2,078 sqft |
| 2019-01-01 | 99 days | 2,002 sqft |
| 2019-02-01 | 93 days | 1,992 sqft |
| 2019-03-01 | 45 days | 2,094 sqft |
| 2019-04-01 | 40 days | 2,200 sqft |
| 2019-05-01 | 48 days | 2,210 sqft |
| 2019-06-01 | 56 days | 2,235 sqft |
| 2019-07-01 | 57 days | 2,141 sqft |
| 2019-08-01 | 66 days | 2,137 sqft |
| 2019-09-01 | 66 days | 2,140 sqft |
| 2019-10-01 | 63 days | 2,153 sqft |
| 2019-11-01 | 67 days | 2,090 sqft |
| 2019-12-01 | 76 days | 2,043 sqft |
| 2020-01-01 | 85 days | 1,920 sqft |
| 2020-02-01 | 62 days | 1,942 sqft |
| 2020-03-01 | 40 days | 1,957 sqft |
| 2020-04-01 | 45 days | 2,100 sqft |
| 2020-05-01 | 52 days | 2,142 sqft |
| 2020-06-01 | 39 days | 2,126 sqft |
| 2020-07-01 | 41 days | 2,090 sqft |
| 2020-08-01 | 42 days | 2,112 sqft |
| 2020-09-01 | 44 days | 1,993 sqft |
| 2020-10-01 | 39 days | 1,945 sqft |
| 2020-11-01 | 39 days | 1,872 sqft |
| 2020-12-01 | 54 days | 1,867 sqft |
| 2021-01-01 | 62 days | 1,869 sqft |
| 2021-02-01 | 28 days | 1,882 sqft |
| 2021-03-01 | 18 days | 1,885 sqft |
| 2021-04-01 | 23 days | 2,103 sqft |
| 2021-05-01 | 15 days | 1,955 sqft |
| 2021-06-01 | 20 days | 1,966 sqft |
| 2021-07-01 | 22 days | 2,046 sqft |
| 2021-08-01 | 30 days | 1,930 sqft |
| 2021-09-01 | 32 days | 1,907 sqft |
| 2021-10-01 | 35 days | 1,994 sqft |
| 2021-11-01 | 37 days | 1,945 sqft |
| 2021-12-01 | 53 days | 1,956 sqft |
| 2022-01-01 | 53 days | 2,030 sqft |
| 2022-02-01 | 26 days | 1,943 sqft |
| 2022-03-01 | 16 days | 2,033 sqft |
| 2022-04-01 | 15 days | 2,094 sqft |
COLUMBIA's median listing age (time on market) for 2022-04-01 was 15 days.
This
is -33%
shorter
than the same period one year ago.
COLUMBIA's median square footage for active listings during the 2022-04-01 period was 2,094 sqft. One year prior, the average listing was 2,103 sqft.
COLUMBIA's median square footage for active listings during the 2022-04-01 period was 2,094 sqft. One year prior, the average listing was 2,103 sqft.
