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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
FLAT BRANCH MORTGAGE, INC. 739 3.14% $2,448
The Central Trust Bank 575 3.16% $2,439
DAS Acquisition Company, LLC 316 3.22% $2,656
MISSOURI Credit Union 234 2.99% $1,736
QUICKEN LOANS, LLC 144 3.11% $4,527
Hawthorn Bank 138 3.01% $1,982
Simmons Bank 108 3.12% $2,009
The Callaway Bank 100 3.03% $1,786
WEST COMMUNITY 79 3.01% $2,003
The Bank of Missouri 79 2.65% $2,150
Midwest Mortgage Associates Corporation 78 3.07% $4,905
U.S. Bank 77 3.11% $2,346
Capitol Federal Savings Bank 58 2.85% $1,887
Mortgage Research Center, LLC 55 2.83% $2,044
Commerce Bank 51 3.25% $2,294
Wells Fargo Bank 39 3.04% $2,503
First State Community Bank 38 3.09% $1,921
UNITED WHOLESALE MORTGAGE, LLC 36 2.98% $3,435
BETTER MORTGAGE CORPORATION 33 2.87% $2,410
LOANDEPOT.COM, LLC 33 3.15% $3,595
Bank of America 28 2.92% $2,243
Regions Bank 27 3.07% $3,584
Bell Bank 25 3.02% $2,532
COMMUNITY MORTGAGE, LLC 25 3.01% $2,215
Mid-Continent Funding, Inc. 23 2.89% $2,389
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 21 3.08% $2,349
First Mid Bank & Trust 17 3.21% $2,189
Flagstar Bank, FSB 16 3.26% $2,897
HOME POINT FINANCIAL CORPORATION 16 2.90% $5,071
UMB Bank 16 2.81% $2,064
JPMorgan Chase Bank 15 2.95% $1,742
AMERISAVE MORTGAGE CORPORATION 13 2.76% $5,295
Mr. Cooper ( Nationstar Mortgage ) 13 3.37% $4,521
NAVY FEDERAL CREDIT UNION 13 3.75% $2,933
ON Q FINANCIAL, INC. 12 3.34% $2,940
Stifel Bank and Trust 12 2.85% $1,714
BROKER SOLUTIONS, INC. 12 3.12% $3,191
Magnolia Bank 12 3.03% $4,387
GUILD MORTGAGE COMPANY 11 3.00% $2,105
Community Mortgage Banc Corporation 10 3.27% $1,900
The Huntington National Bank 9 2.80% $2,153
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 9 2.93% $4,431
NEWREZ LLC 9 3.24% $2,925
GERSHMAN INVESTMENT CORP. 9 3.10% $2,120
Arvest Bank 8 2.86% $2,481
CALIBER HOME LOANS, INC. 8 3.17% $3,547
ZILLOW HOME LOANS, LLC 8 2.98% $2,273
PENNYMAC LOAN SERVICES, LLC 7 3.45% $3,466
AMERICAN FINANCING CORPORATION 7 3.20% $3,660
DELMAR FINANCIAL COMPANY 7 2.96% $2,268
First State Bank of St. Charles, Missouri 7 2.93% $2,545
MISSOURI ELECTRIC COOPERATIVES EMPL 6 3.15% $1,652
North American Savings Bank, F.S.B. 6 2.88% $1,257
MOVEMENT MORTGAGE, LLC 5 3.04% $2,075
NBKC BANK 5 2.94% $1,741
PNC Bank 5 3.08% $3,608
ENDEAVOR CAPITAL, LLC. 5 3.05% $4,504
FREEDOM MORTGAGE CORPORATION 5 3.20% $2,844
UNION HOME MORTGAGE CORP. 5 3.23% $2,225
Discover Bank 4 4.50% $0
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 3.75% $2,587
Providence Bank 4 2.72% $2,006
Great Southern Bank 4 2.89% $1,924
GUARANTEED RATE, INC. 4 3.09% $3,261
Carrington Mortgage Services, LLC 4 3.22% $3,923
First Guaranty Mortgage Corporation 4 3.09% $1,892
Wyndham Capital Mortgage, Inc. 4 2.84% $2,035
DUPACO COMMUNITY 4 2.69% $2,807
InterContinental Capital Group, Inc 3 3.29% $3,487
PENTAGON FEDERAL CREDIT UNION 3 2.92% $803
PHH Mortgage Corporation 3 3.58% $4,713
JLB CORPORATION 3 3.13% $3,207
HNB National Bank 3 2.92% $1,167
Victorian Finance, LLC 3 3.17% $1,525
PROPER RATE, LLC 3 3.00% $1,965
Ally Bank 3 3.04% $2,059
Charles Schwab Bank, SSB 3 2.22% $2,526
CMG MORTGAGE, INC. 3 3.08% $4,173
CROSSCOUNTRY MORTGAGE, LLC 3 3.12% $3,436
Bank of Springfield 3 3.18% $1,810
ROYAL UNITED MORTGAGE LLC 3 3.33% $5,403
Central National Bank 3 3.00% $1,595
FIRST COMMUNITY MORTGAGE, INC. 3 3.00% $2,576
Associated Bank 3 3.08% $2,145
The Home Loan Expert LLC 3 3.04% $5,574
Truist Bank 3 2.95% $2,801
Wood & Huston Bank 3 4.38% $1,660
FirstBank 3 2.46% $2,006
HOMESIDE FINANCIAL, LLC 3 2.83% $3,607
ADVANCIAL 3 3.25% $2,862
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.75% $5,746
Sullivan Bank 2 2.75% $1,952
SUMMIT FUNDING, INC. 2 3.31% $2,209
Sunflower Bank 2 3.24% $5,581
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.25% $2,224
Paramount Bank 2 3.13% $2,395
FIRST STATE MORTGAGE SERVICES, LLC 2 3.00% $1,732
ACCESS CAPITAL FUNDING, L.L.C. 2 2.93% $175
Carrollton Bank 2 2.88% $1,978
BOKF 2 3.06% $2,379
COMMUNITYAMERICA 2 2.94% $1,829
Northpointe Bank 2 3.06% $2,654
First Federal Bank of Kansas City 2 2.88% $2,142
HANCOCK MORTGAGE PARTNERS, LLC 2 3.13% $3,466
MICHIGAN MUTUAL, INC. 2 4.13% $2,110
Prosperity Home Mortgage, LLC 2 3.69% $2,157
Oakstar Bank 2 1.57% $1,261
UIF CORPORATION 2 3.38% $2,425
MID AMERICA MORTGAGE, INC. 2 3.06% $2,264
First Bank 2 2.69% $2,712
BNC National Bank 2 3.13% $2,962
United Fidelity Funding Corp. 2 3.44% $3,676
AMERICAN FINANCIAL NETWORK, INC. 2 3.75% $7,587
GENEVA FINANCIAL, LLC 2 3.44% $4,934
HomeBank 2 3.13% $1,482
Citizens Bank 2 2.94% $2,967
GUIDANCE RESIDENTIAL, LLC 2 3.13% $5,083
TIB The Independent Bankersbank 1 3.38% $2,355
Equity Bank 1 2.75% $1,750
F&B Acquisition Group LLC 1 3.50% $1,993
FCS Financial FLCA 1 3.50% $10,246
Fidelity Bank 1 3.00% $1,863
FINANCE OF AMERICA MORTGAGE LLC 1 3.25% $2,241
FIRST COMMUNITY 1 3.00% $6,351
First Community Bank 1 2.50% $3,915
First Midwest Bank 1 2.50% $1,942
First Mortgage Solutions, LLC 1 2.63% $952
CORNERSTONE HOME LENDING, INC. 1 3.25% $1,824
Gateway First Bank 1 3.25% $2,426
Grand Bank for Savings, FSB 1 7.75% $2,751
GSF Mortgage Corporation 1 3.25% $7,192
CIBC Bank USA 1 2.38% $3,145
CHURCHILL MORTGAGE CORPORATION 1 2.88% $4,044
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.25% $2,509
Choice Financial Group 1 3.00% $4,065
Hometown Lenders, Inc. 1 2.75% $4,670
INB 1 3.25% $1,464
IOWA BANKERS MORTGAGE CORPORATION 1 3.00% $1,362
Ixonia Bank 1 3.50% $2,753
KELLER MORTGAGE, LLC 1 3.25% $1,617
KeyBank 1 3.00% $5,389
Landmark National Bank 1 2.88% $1,750
LEADERONE FINANCIAL CORPORATION 1 2.99% $1,564
LOANPAL, LLC 1 3.99% $6,383
Luana Savings Bank 1 2.63% $695
Manufacturers and Traders Trust Company 1 3.50% $3,929
Marine Bank 1 3.00% $1,707
Merchants Bank of Indiana 1 2.88% $2,008
Midland States Bank 1 3.88% $3,020
Midwest BankCentre 1 2.75% $1,674
CANOPY MORTGAGE, LLC 1 2.88% $3,104
MORTGAGE SOLUTIONS LLC 1 3.00% $2,819
BMO Harris Bank 1 3.25% $1,579
Mutual Federal Bank 1 2.99% $4,195
Baxter Credit Union 1 3.00% $2,217
NBH Bank 1 2.63% $528
NEW DAY FINANCIAL, LLC 1 2.50% $5,590
Bank of Whittier 1 2.98% $1,292
Northwest Bank 1 2.88% $8,118
OAKTREE FUNDING CORP. 1 5.38% $3,578
Bank of Washington 1 3.13% $1,534
Paramount Residential Mortgage Group, Inc. 1 3.50% $2,561
PLANET HOME LENDING, LLC 1 3.38% $1,387
PLAZA HOME MORTGAGE, INC. 1 2.99% $2,186
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.75% $2,014
Bank of the West 1 4.13% $4,904
RCB Bank 1 3.13% $5,166
RED DIAMOND HOME LOANS, LLC 1 2.75% $2,616
S1L, Inc. 1 3.13% $3,611
Servion, Inc. 1 3.25% $2,851
Bank of England 1 3.13% $3,493
Bankers Trust Company 1 2.25% $1,530
ASSEMBLIES OF GOD Credit Union 1 2.87% $1,780
Ameris Bank 1 3.00% $2,192
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 3.25% $2,067
EMBRACE HOME LOANS, INC. 1 2.75% $6,743
Triumph Bank 1 2.75% $2,318
AMERICAN PACIFIC MORTGAGE CORPORATION 1 2.99% $2,643
American Airlines Federal Credit Union 1 3.13% $0
U S WIDE FINANCIAL LLC 1 2.38% $1,725
ALLIANCE CREDIT UNION 1 2.50% $2,947
West Gate Bank 1 3.25% $1,875

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.

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.