JEFFERSON CITY Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Rent Data
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Jefferson City averaged 7.21% for the week of 2023-09-14, compared to the national average of 7.18% for the same period.

    The average rate for the prior week (2023-09-07) was 7.05% and one month ago for the week of 2023-08-10, the average rate was 6.99%.

    Jefferson City's average rate one year ago was 6.02%.

    For refis of the same type during the week of 2023-09-14, the average rate was 6.6%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-09-14 7.18%
    Jefferson City 30 Year Fixed Rate 2023-09-14 7.21%
    Jefferson City 30 Year Fixed Rate Refi 2023-09-14 6.6%
    Jefferson City 15 Year Fixed Rate 2023-09-14 6.02%
    Jefferson City 15 Year Fixed Rate Refi 2023-09-14 5.64%
    Jefferson City 30 Year FHA 2023-09-14 6.89%
    Jefferson City 30 Year FHA Refi 2023-09-14 7.19%
    Jefferson City 30 Year USDA 2023-09-14 6.64%
    Jefferson City 30 Year USDA Refi 2023-09-14 7.18%
    Jefferson City 30 Year VA 2023-09-14 6.77%
    Jefferson City 30 Year VA Refi 2023-09-14 6.81%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within JEFFERSON CITY, MO.

    JEFFERSON CITY 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 JEFFERSON CITY, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    The Central Trust Bank 336 5.04% $2,778
    FLAT BRANCH MORTGAGE, INC. 257 5.19% $3,155
    HOME POINT FINANCIAL CORPORATION 75 4.77% $5,022
    Hawthorn Bank 54 4.74% $2,344
    MISSOURI Credit Union 47 4.92% $2,354
    The Callaway Bank 46 5.01% $1,917
    UNITED WHOLESALE MORTGAGE, LLC 37 5.75% $5,459
    DAS Acquisition Company, LLC 36 5.40% $3,813
    QUICKEN LOANS, LLC 35 5.08% $5,279
    GERSHMAN INVESTMENT CORP. 21 5.40% $2,514
    Midwest Mortgage Associates Corporation 12 5.56% $4,478
    LOANDEPOT.COM, LLC 10 4.51% $4,837
    Commerce Bank 10 4.90% $2,601
    Wells Fargo Bank 9 5.33% $2,976
    U.S. Bank 8 5.30% $3,232
    Mortgage Research Center, LLC 8 5.50% $1,838
    Flagstar Bank, FSB 6 5.13% $3,606
    Regions Bank 6 4.23% $2,628
    COMMUNITY MORTGAGE, LLC 6 5.83% $2,867
    First State Community Bank 6 5.23% $2,181
    Arvest Bank 5 4.18% $3,287
    Bell Bank 5 5.93% $2,459
    NAVY FEDERAL CREDIT UNION 5 5.03% $2,484
    NEWREZ LLC 5 5.70% $2,650
    Carrington Mortgage Services, LLC 5 4.68% $4,926
    AMERISAVE MORTGAGE CORPORATION 5 5.03% $5,848
    JPMorgan Chase Bank 4 5.59% $2,980
    Simmons Bank 4 5.56% $3,441
    AMERICAN FINANCING CORPORATION 4 4.75% $3,715
    WEST COMMUNITY 3 4.83% $4,288
    COMMUNITYAMERICA 3 4.29% $5,231
    CALIBER HOME LOANS, INC. 3 4.88% $3,761
    ENDEAVOR CAPITAL, LLC. 3 5.79% $6,253
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 4.75% $10,659
    LAKEVIEW LOAN SERVICING, LLC 3 4.88% $4,475
    The Bank of Missouri 3 5.00% $2,271
    BROKER SOLUTIONS, INC. 3 5.21% $5,252
    CRESCENT MORTGAGE COMPANY 3 4.21% $3,050
    ON Q FINANCIAL, INC. 3 5.42% $5,603
    Bank of America 2 5.06% $3,420
    Great Southern Bank 2 5.50% $2,880
    GUARANTEED RATE, INC. 2 4.78% $2,160
    GUILD MORTGAGE COMPANY 2 4.56% $4,112
    CARDINAL FINANCIAL 2 4.69% $5,328
    HNB National Bank 2 4.56% $1,584
    HomeBank 2 5.23% $2,106
    MOVEMENT MORTGAGE, LLC 2 4.81% $3,945
    CMG MORTGAGE, INC. 2 5.06% $8,338
    Stifel Bank and Trust 2 4.00% $1,874
    FIRST COMMUNITY 2 5.75% $0
    ROYAL UNITED MORTGAGE LLC 2 6.81% $6,999
    UMB Bank 2 4.50% $2,883
    First State Bank of St. Charles, Missouri 2 6.06% $2,941
    Midwest BankCentre 2 4.06% $3,312
    PNC Bank 2 3.50% $2,828
    CHERRY CREEK MORTGAGE, LLC 2 4.44% $738
    FREEDOM MORTGAGE CORPORATION 2 5.44% $6,543
    GENEVA FINANCIAL, LLC 2 6.63% $4,388
    Mid-America Bank 1 4.38% $2,736
    American National Bank 1 5.63% $4,340
    Armed Forces Bank 1 5.75% $2,627
    Banterra Bank 1 4.13% $2,633
    BEST CAPITAL FUNDING 1 4.75% $7,078
    Capitol Federal Savings Bank 1 5.75% $4,206
    Carrollton Bank 1 5.13% $1,993
    CHARTER WEST BANK 1 5.63% $2,460
    Citizens Bank 1 3.50% $3,261
    Community Mortgage Banc Corporation 1 5.13% $11,606
    Deere Employees Credit Union 1 2.75% $2,884
    DELMAR FINANCIAL COMPANY 1 4.00% $3,272
    EMBRACE HOME LOANS, INC. 1 3.38% $3,628
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.99% $1,970
    FCS Financial FLCA 1 7.90% $3,072
    First Bank 1 5.88% $2,677
    First Bankers Trust Company 1 4.88% $2,485
    First-Citizens Bank & Trust Company 1 5.73% $3,225
    FIRST COMMUNITY MORTGAGE, INC. 1 5.63% $3,994
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 5.38% $2,805
    First Mid Bank & Trust 1 5.75% $1,428
    Flanagan State Bank 1 3.88% $2,346
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 4.25% $3,132
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.88% $7,238
    Ixonia Bank 1 4.25% $7,682
    LEADERONE FINANCIAL CORPORATION 1 5.99% $2,879
    Leaders Credit Union 1 6.00% $0
    Ally Bank 1 5.38% $1,389
    Morgan Stanley Private Bank 1 2.50% $2,585
    Mortgage Investment Services Corporation 1 5.50% $3,853
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.50% $4,104
    North American Savings Bank, F.S.B. 1 7.13% $4,434
    Northpointe Bank 1 4.25% $2,426
    Oakstar Bank 1 5.50% $2,225
    Paramount Residential Mortgage Group, Inc. 1 4.63% $6,769
    RUOFF MORTGAGE COMPANY, INC. 1 4.88% $495
    Southern Bank 1 6.25% $1,353
    Sunflower Bank 1 4.25% $10,482
    TOGETHER CREDIT UNION 1 4.90% $3,101
    United Bank of Union 1 4.00% $840
    U S WIDE FINANCIAL LLC 1 5.00% $1,552
    Valley First Credit Union 1 5.50% $2,412
    Wyndham Capital Mortgage, Inc. 1 3.38% $3,958

    JEFFERSON CITY Average Closing Costs & Other Stats

    JEFFERSON CITY, MO's 101 lenders originated 3,826 loans during 2022. The total origination value was $672,140,000, with an average loan value of $175,677.

    JEFFERSON CITY's average closing costs are $3,464.

    The top JEFFERSON CITY lender as defined by loan originations is The Central Trust Bank, with 336 loans originated. Their average total fees are $2,778, which is $377 lower than the next largest lender, FLAT BRANCH MORTGAGE, INC..

    The lowest fee JEFFERSON CITY lenders (with over 10 loans originated) are The Callaway Bank ($1,917), Hawthorn Bank ($2,344), MISSOURI Credit Union ($2,354), GERSHMAN INVESTMENT CORP. ($2,514) and Commerce Bank ($2,601).

    The lowest rate JEFFERSON CITY lenders (with over 10 loans originated) are LOANDEPOT.COM, LLC (4.51%), Hawthorn Bank (4.74%), HOME POINT FINANCIAL CORPORATION (4.77%), Commerce Bank (4.90%) and MISSOURI Credit Union (4.92%).

    JEFFERSON CITY, 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 $260,950,000 $149,355,000 -42.8% 22.2%
    FLAT BRANCH MORTGAGE, INC. $78,030,000 $92,300,000 18.3% 13.7%
    Hawthorn Bank $53,205,000 $40,525,000 -23.8% 6.0%
    Mid America Bank $49,240,000 $38,380,000 -22.1% 5.7%
    River Region Credit Union $42,020,000 $35,965,000 -14.4% 5.4%
    HOME POINT FINANCIAL CORPORATION $64,585,000 $26,545,000 -58.9% 3.9%
    LEGENDS BANK $15,475,000 $25,335,000 63.7% 3.8%
    Mortgage Research Center, LLC $24,685,000 $18,260,000 -26.0% 2.7%
    QUICKEN LOANS, LLC $36,255,000 $17,695,000 -51.2% 2.6%
    DAS Acquisition Company, LLC $25,290,000 $15,520,000 -38.6% 2.3%
    The Callaway Bank $21,500,000 $13,450,000 -37.4% 2.0%
    UNITED WHOLESALE MORTGAGE, LLC $5,445,000 $12,880,000 136.5% 1.9%
    MISSOURI Credit Union $25,015,000 $10,215,000 -59.2% 1.5%
    Midwest Mortgage Associates Corporation $9,015,000 $9,060,000 0.5% 1.3%
    GERSHMAN INVESTMENT CORP. $14,635,000 $8,315,000 -43.2% 1.2%
    Commerce Bank $7,420,000 $7,035,000 -5.2% 1.0%
    People's Savings Bank of Rhineland $1,975,000 $6,735,000 241.0% 1.0%
    Bank of St. Elizabeth $8,350,000 $6,380,000 -23.6% 0.9%
    CMG MORTGAGE, INC. $4,900,000 $6,170,000 25.9% 0.9%
    LOANDEPOT.COM, LLC $7,895,000 $4,955,000 -37.2% 0.7%
    U.S. Bank $7,530,000 $4,885,000 -35.1% 0.7%
    First State Community Bank $26,925,000 $4,785,000 -82.2% 0.7%
    PENNYMAC LOAN SERVICES, LLC $11,260,000 $4,620,000 -59.0% 0.7%
    FREEDOM MORTGAGE CORPORATION $14,435,000 $4,265,000 -70.5% 0.6%
    Exchange Bank of Missouri $6,340,000 $4,110,000 -35.2% 0.6%
    Regions Bank $6,710,000 $3,860,000 -42.5% 0.6%
    NAVY FEDERAL CREDIT UNION $2,535,000 $3,465,000 36.7% 0.5%
    Flagstar Bank, FSB $2,570,000 $3,375,000 31.3% 0.5%
    Arbor Realty Trust, Inc. $3,285,000 n/a 0.5%
    The Maries County Bank $670,000 $3,190,000 376.1% 0.5%
    Wells Fargo Bank $5,365,000 $2,995,000 -44.2% 0.4%
    LAKEVIEW LOAN SERVICING, LLC $3,550,000 $2,500,000 -29.6% 0.4%
    AMERISAVE MORTGAGE CORPORATION $2,590,000 $2,185,000 -15.6% 0.3%
    Stifel Bank and Trust $920,000 $2,050,000 122.8% 0.3%
    Carrington Mortgage Services, LLC $1,645,000 $1,945,000 18.2% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $3,265,000 $1,760,000 -46.1% 0.3%
    COMMUNITY MORTGAGE, LLC $6,190,000 $1,735,000 -72.0% 0.3%
    NEW DAY FINANCIAL, LLC $2,105,000 $1,730,000 -17.8% 0.3%
    United Credit Union $1,450,000 $1,690,000 16.6% 0.3%
    Midwest BankCentre $1,670,000 n/a 0.2%
    Bell Bank $1,415,000 $1,665,000 17.7% 0.2%
    Arvest Bank $1,305,000 $1,455,000 11.5% 0.2%
    ENDEAVOR CAPITAL, LLC. $745,000 $1,430,000 91.9% 0.2%
    BROKER SOLUTIONS, INC. $2,345,000 $1,415,000 -39.7% 0.2%
    First Mid Bank & Trust $2,020,000 $1,405,000 -30.4% 0.2%
    USAA Federal Savings Bank $4,060,000 $1,400,000 -65.5% 0.2%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,115,000 $1,370,000 -35.2% 0.2%
    ON Q FINANCIAL, INC. $1,665,000 $1,295,000 -22.2% 0.2%
    MOVEMENT MORTGAGE, LLC $465,000 $1,155,000 148.4% 0.2%
    First State Bank of St. Charles, Missouri $740,000 $1,140,000 54.1% 0.2%
    GUILD MORTGAGE COMPANY $1,445,000 $1,130,000 -21.8% 0.2%
    Simmons Bank $1,585,000 $1,125,000 -29.0% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $380,000 $1,095,000 188.2% 0.2%
    NEWREZ LLC $2,500,000 $1,080,000 -56.8% 0.2%
    COMMUNITYAMERICA $105,000 $1,040,000 890.5% 0.2%
    CRESCENT MORTGAGE COMPANY $2,635,000 $1,040,000 -60.5% 0.2%
    Bank of Franklin County $1,010,000 n/a 0.2%
    CALIBER HOME LOANS, INC. $2,310,000 $995,000 -56.9% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,510,000 $980,000 -35.1% 0.1%
    JPMorgan Chase Bank $910,000 $970,000 6.6% 0.1%
    PNC Bank $405,000 $905,000 123.5% 0.1%
    Capitol Federal Savings Bank $790,000 $890,000 12.7% 0.1%
    Equity Prime Mortgage LLC $1,060,000 $845,000 -20.3% 0.1%
    AMERICAN FINANCING CORPORATION $815,000 $815,000 0.0% 0.1%
    WEST COMMUNITY $1,195,000 $780,000 -34.7% 0.1%
    Wyndham Capital Mortgage, Inc. $530,000 $770,000 45.3% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $3,020,000 $735,000 -75.7% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,215,000 $715,000 -67.7% 0.1%
    21ST MORTGAGE CORPORATION $360,000 $705,000 95.8% 0.1%
    Bank of America $250,000 $705,000 182.0% 0.1%
    Great Southern Bank $605,000 $705,000 16.5% 0.1%
    The Bank of Missouri $1,820,000 $680,000 -62.6% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $830,000 $665,000 -19.9% 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $490,000 $645,000 31.6% 0.1%
    Ixonia Bank $395,000 $645,000 63.3% 0.1%
    TOGETHER CREDIT UNION $635,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $1,740,000 $630,000 -63.8% 0.1%
    DELMAR FINANCIAL COMPANY $175,000 $625,000 257.1% 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $115,000 $625,000 443.5% 0.1%
    UMB Bank $1,845,000 $615,000 -66.7% 0.1%
    GUARANTEED RATE, INC. $300,000 $600,000 100.0% 0.1%
    Community Mortgage Banc Corporation $280,000 $585,000 108.9% 0.1%
    Mid-Continent Funding, Inc. $945,000 $570,000 -39.7% 0.1%
    BancorpSouth Bank $145,000 $565,000 289.7% 0.1%
    JLB CORPORATION $565,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $775,000 $565,000 -27.1% 0.1%
    Deere Employees Credit Union $545,000 n/a 0.1%
    Equity Bank $430,000 $545,000 26.7% 0.1%
    EMBRACE HOME LOANS, INC. $530,000 n/a 0.1%
    Citizens Bank $2,110,000 $515,000 -75.6% 0.1%
    Mortgage Investment Services Corporation $515,000 n/a 0.1%
    Regional Missouri Bank $510,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $95,000 $475,000 400.0% 0.1%
    Oakstar Bank $470,000 n/a 0.1%
    HomeBank $25,000 $460,000 1,740.0% 0.1%
    GENEVA FINANCIAL, LLC $380,000 $455,000 19.7% 0.1%
    MISSOURI ELECTRIC COOPERATIVES EMPL $2,755,000 $450,000 -83.7% 0.1%
    Toyota Financial Savings Bank $445,000 n/a 0.1%
    Armed Forces Bank $440,000 n/a 0.1%
    Plains Commerce Bank $210,000 $435,000 107.1% 0.1%
    HNB National Bank $415,000 n/a 0.1%
    Mid-America Bank $415,000 n/a 0.1%
    Sullivan Bank $165,000 $410,000 148.5% 0.1%
    Wood & Huston Bank $5,610,000 $390,000 -93.0% 0.1%
    CHARTER WEST BANK $385,000 n/a 0.1%
    CHERRY CREEK MORTGAGE, LLC $380,000 n/a 0.1%
    GSF Mortgage Corporation $220,000 $375,000 70.5% 0.1%
    Montgomery Bank $340,000 $375,000 10.3% 0.1%
    M&T Bank $165,000 $375,000 127.3% 0.1%
    TOP FLITE FINANCIAL, INC. $630,000 $370,000 -41.3% 0.1%
    Morgan Stanley Private Bank $365,000 n/a 0.1%
    Heritage Community Bank $160,000 $350,000 118.8% 0.1%
    American National Bank $345,000 n/a 0.1%
    FIRST COMMUNITY $525,000 $340,000 -35.2% 0.1%
    The Missouri Bank $4,910,000 $335,000 -93.2% 0.0%
    First-Citizens Bank & Trust Company $325,000 n/a 0.0%
    Prosperity Home Mortgage, LLC $325,000 n/a 0.0%
    SKYONE Federal Credit Union $325,000 n/a 0.0%
    The Federal Savings Bank $1,115,000 $325,000 -70.9% 0.0%
    ROYAL UNITED MORTGAGE LLC $320,000 $315,000 -1.6% 0.0%
    Sunflower Bank $315,000 n/a 0.0%
    U S WIDE FINANCIAL LLC $315,000 $305,000 -3.2% 0.0%
    LIMA ONE CAPITAL, LLC $295,000 n/a 0.0%
    CROSSCOUNTRY MORTGAGE, LLC $720,000 $270,000 -62.5% 0.0%
    Flanagan State Bank $265,000 n/a 0.0%
    Paramount Residential Mortgage Group, Inc. $265,000 $265,000 0.0% 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $1,195,000 $260,000 -78.2% 0.0%
    Ally Bank $900,000 $255,000 -71.7% 0.0%
    FCS Financial FLCA $965,000 $255,000 -73.6% 0.0%
    AMERICAN ADVISORS GROUP $340,000 $245,000 -27.9% 0.0%
    UNION HOME MORTGAGE CORP. $2,075,000 $245,000 -88.2% 0.0%
    Gateway First Bank $210,000 $230,000 9.5% 0.0%
    Community National Bank & Trust $115,000 $225,000 95.7% 0.0%
    EVERETT FINANCIAL, INC. $225,000 n/a 0.0%
    Leaders Credit Union $225,000 n/a 0.0%
    United Fidelity Funding Corp. $345,000 $225,000 -34.8% 0.0%
    Figure Lending LLC $15,000 $220,000 1,366.7% 0.0%
    Community First National Bank $710,000 $215,000 -69.7% 0.0%
    Fifth Third Bank $215,000 n/a 0.0%
    First Bankers Trust Company $215,000 n/a 0.0%
    NBKC BANK $215,000 n/a 0.0%
    Servion, Inc. $370,000 $215,000 -41.9% 0.0%
    FINANCE OF AMERICA MORTGAGE LLC $205,000 n/a 0.0%
    FIRST INTEGRITY MORTGAGE SERVICES, INC. $260,000 $195,000 -25.0% 0.0%
    LOANPAL, LLC $355,000 $195,000 -45.1% 0.0%
    PLANET HOME LENDING, LLC $350,000 $195,000 -44.3% 0.0%
    First Bank $1,155,000 $185,000 -84.0% 0.0%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $185,000 n/a 0.0%
    Magnolia Bank $950,000 $185,000 -80.5% 0.0%
    North American Savings Bank, F.S.B. $480,000 $185,000 -61.5% 0.0%
    United Bank of Union $95,000 $185,000 94.7% 0.0%
    BEST CAPITAL FUNDING $175,000 n/a 0.0%
    BTH Bank $175,000 n/a 0.0%
    First Guaranty Mortgage Corporation $495,000 $175,000 -64.6% 0.0%
    RUOFF MORTGAGE COMPANY, INC. $275,000 $175,000 -36.4% 0.0%
    Alliant Bank $550,000 $165,000 -70.0% 0.0%
    Citizens Bank $2,110,000 $165,000 -92.2% 0.0%
    Texana Bank $165,000 n/a 0.0%
    CHURCHILL MORTGAGE CORPORATION $895,000 $155,000 -82.7% 0.0%
    COMMERCIAL TRUST COMPANY OF FAYETTE $325,000 $155,000 -52.3% 0.0%
    Southern Bank $155,000 n/a 0.0%
    Valley First Credit Union $155,000 n/a 0.0%
    Carrollton Bank $125,000 $145,000 16.0% 0.0%
    Hometown Lenders, Inc. $105,000 $145,000 38.1% 0.0%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $135,000 n/a 0.0%
    Banterra Bank $125,000 n/a 0.0%
    The Home Loan Expert LLC $120,000 n/a 0.0%
    KeyBank $115,000 n/a 0.0%
    The Bank of Old Monroe $105,000 n/a 0.0%
    Discover Bank $90,000 $90,000 0.0% 0.0%
    CITIZENS EQUITY FIRST $115,000 $85,000 -26.1% 0.0%
    First Midwest Bank of Dexter $85,000 n/a 0.0%
    LEADERONE FINANCIAL CORPORATION $255,000 $85,000 -66.7% 0.0%
    Peoples Bank $75,000 n/a 0.0%
    STAR USA FEDERAL CREDIT UNION $75,000 n/a 0.0%
    Transportation Federal Credit Union $65,000 n/a 0.0%
    VANTAGE Credit Union $55,000 n/a 0.0%
    Northpointe Bank $820,000 $45,000 -94.5% 0.0%
    BTC BANK $35,000 n/a 0.0%
    TRIAD FINANCIAL SERVICES, INC. $150,000 $35,000 -76.7% 0.0%
    BOKF $125,000 $25,000 -80.0% 0.0%

    JEFFERSON CITY's top lender by overall market share is The Central Trust Bank, with 22.2% market share. In second place, with 13.7%, is FLAT BRANCH MORTGAGE, INC., having originated $92,300,000 in loans. In third place, with 6.0%, is Hawthorn Bank, having originated $40,525,000 in loans. In fourth place, with 5.7%, is Mid America Bank, having originated $38,380,000 in loans. In fifth place, with 5.4%, is River Region Credit Union, having originated $35,965,000 in loans.

    JEFFERSON CITY Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - JEFFERSON CITY (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 $146,700 (14.2%) $187,716 (11.8%) 0.54 387
    2018-02-01 $151,950 (17.0%) $195,670 (17.1%) 0.55 379
    2018-03-01 $149,900 (15.4%) $199,251 (17.9%) 0.53 394
    2018-04-01 $170,700 (22.0%) $211,671 (15.4%) 0.58 407
    2018-05-01 $174,900 (20.7%) $216,452 (14.6%) 0.58 413
    2018-06-01 $179,900 (24.2%) $224,786 (19.3%) 0.60 415
    2018-07-01 $179,450 (23.8%) $216,911 (14.3%) 0.60 434
    2018-08-01 $177,475 (22.5%) $206,792 (10.2%) 0.59 476
    2018-09-01 $175,000 (20.7%) $204,027 (7.3%) 0.59 481
    2018-10-01 $166,175 (15.8%) $197,231 (6.5%) 0.56 480
    2018-11-01 $168,200 (16.0%) $196,723 (6.7%) 0.57 460
    2018-12-01 $164,950 (12.8%) $195,750 (3.7%) 0.57 446
    2019-01-01 $166,200 (13.3%) $195,113 (3.9%) 0.57 406
    2019-02-01 $154,425 (1.6%) $188,022 (-3.9%) 0.52 412
    2019-03-01 $160,079 (6.8%) $192,838 (-3.2%) 0.52 389
    2019-04-01 $168,875 (-1.1%) $197,758 (-6.6%) 0.54 384
    2019-05-01 $169,450 (-3.1%) $207,046 (-4.4%) 0.53 402
    2019-06-01 $177,000 (-1.6%) $214,867 (-4.4%) 0.55 423
    2019-07-01 $177,350 (-1.2%) $218,750 (0.9%) 0.56 408
    2019-08-01 $175,965 (-0.9%) $217,556 (5.2%) 0.56 407
    2019-09-01 $177,414 (1.4%) $216,403 (6.1%) 0.57 407
    2019-10-01 $176,559 (6.3%) $212,795 (7.9%) 0.57 406
    2019-11-01 $179,900 (7.0%) $213,777 (8.7%) 0.59 393
    2019-12-01 $179,950 (9.1%) $214,696 (9.7%) 0.60 361
    2020-01-01 $173,250 (4.2%) $216,034 (10.7%) 0.58 345
    2020-02-01 $177,000 (14.6%) $227,371 (20.9%) 0.58 331
    2020-03-01 $185,500 (15.9%) $236,500 (22.6%) 0.58 301
    2020-04-01 $196,970 (16.6%) $234,636 (18.7%) 0.62 285
    2020-05-01 $210,000 (23.9%) $245,667 (18.7%) 0.64 250
    2020-06-01 $213,700 (20.7%) $248,132 (15.5%) 0.63 249
    2020-07-01 $207,400 (16.9%) $247,150 (13.0%) 0.60 213
    2020-08-01 $204,900 (16.4%) $245,885 (13.0%) 0.59 189
    2020-09-01 $199,800 (12.6%) $238,638 (10.3%) 0.57 183
    2020-10-01 $179,700 (1.8%) $231,733 (8.9%) 0.51 169
    2020-11-01 $185,000 (2.8%) $240,469 (12.5%) 0.54 167
    2020-12-01 $179,325 (-0.4%) $235,649 (9.8%) 0.53 174
    2021-01-01 $179,900 (3.8%) $233,154 (7.9%) 0.54 143
    2021-02-01 $181,767 (2.7%) $235,079 (3.4%) 0.53 106
    2021-03-01 $198,225 (6.9%) $248,496 (5.1%) 0.56 86
    2021-04-01 $214,950 (9.1%) $262,832 (12.0%) 0.58 97
    2021-05-01 $182,400 (-13.1%) $251,898 (2.5%) 0.49 97
    2021-06-01 $199,900 (-6.5%) $263,888 (6.4%) 0.53 111
    2021-07-01 $193,900 (-6.5%) $253,255 (2.5%) 0.51 130
    2021-08-01 $199,050 (-2.9%) $264,330 (7.5%) 0.53 143
    2021-09-01 $218,575 (9.4%) $271,787 (13.9%) 0.58 154
    2021-10-01 $199,900 (11.2%) $259,303 (11.9%) 0.53 152
    2021-11-01 $186,750 (1.0%) $279,879 (16.4%) 0.50 147
    2021-12-01 $195,000 (8.7%) $272,252 (15.5%) 0.53 143
    2022-01-01 $189,950 (5.6%) $279,702 (20.0%) 0.51 118
    2022-02-01 $209,450 (15.2%) $300,082 (27.7%) 0.54 111
    2022-03-01 $201,725 (1.8%) $298,079 (20.0%) 0.51 101
    2022-04-01 $199,750 (-7.1%) $290,259 (10.4%) 0.48 115
    2022-05-01 $229,950 (26.1%) $304,427 (20.9%) 0.53 132
    2022-06-01 $238,725 (19.4%) $296,505 (12.4%) 0.53 161
    2022-07-01 $221,125 (14.0%) $285,367 (12.7%) 0.50 178
    2022-08-01 $217,175 (9.1%) $297,006 (12.4%) 0.50 187
    2022-09-01 $226,125 (3.5%) $312,689 (15.1%) 0.53 179
    2022-10-01 $199,900 (0.0%) $280,900 (8.3%) 0.47 199
    2022-11-01 $240,000 (28.5%) $296,953 (6.1%) 0.58 165
    2022-12-01 $250,000 (28.2%) $322,851 (18.6%) 0.62 152
    2023-01-01 $251,700 (32.5%) $311,834 (11.5%) 0.62 127
    2023-02-01 $254,975 (21.7%) $317,677 (5.9%) 0.62 123
    2023-03-01 $250,000 (23.9%) $310,688 (4.2%) 0.59 122
    2023-04-01 $276,900 (38.6%) $331,508 (14.2%) 0.64 129
    2023-05-01 $287,400 (25.0%) $338,218 (11.1%) 0.65 132
    2023-06-01 $267,400 (12.0%) $341,998 (15.3%) 0.60 142
    2023-07-01 $279,900 (26.6%) $343,852 (20.5%) 0.64 150
    2023-08-01 $319,900 (47.3%) $379,804 (27.9%) 0.73 149
    JEFFERSON CITY's median listing price for 2023-08-01 was $319,900, a difference of $102,725 (47.3%) versus the prior year and $40,000 versus the prior month.

    JEFFERSON CITY's median listing price comes in at 73% of the national average.

    JEFFERSON CITY's average listing price for 2023-08-01 was $379,804, a difference of $82,798 (27.9%) versus the prior year and $35,952 versus the prior month.

    For the 2023-08-01 period, JEFFERSON CITY had 149 MLS listings, a difference of -1 listings (-1%) versus the prior month and -38 listings (-20%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - JEFFERSON CITY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 79 days 1,944 sqft
    2018-02-01 71 days 1,977 sqft
    2018-03-01 56 days 1,978 sqft
    2018-04-01 50 days 2,028 sqft
    2018-05-01 52 days 2,122 sqft
    2018-06-01 53 days 2,122 sqft
    2018-07-01 54 days 2,124 sqft
    2018-08-01 58 days 2,100 sqft
    2018-09-01 60 days 2,010 sqft
    2018-10-01 65 days 1,983 sqft
    2018-11-01 70 days 1,962 sqft
    2018-12-01 78 days 1,880 sqft
    2019-01-01 82 days 1,874 sqft
    2019-02-01 82 days 1,812 sqft
    2019-03-01 67 days 1,832 sqft
    2019-04-01 51 days 1,881 sqft
    2019-05-01 42 days 1,945 sqft
    2019-06-01 44 days 2,025 sqft
    2019-07-01 58 days 2,000 sqft
    2019-08-01 57 days 1,987 sqft
    2019-09-01 54 days 1,980 sqft
    2019-10-01 55 days 1,958 sqft
    2019-11-01 63 days 1,938 sqft
    2019-12-01 74 days 1,970 sqft
    2020-01-01 78 days 1,972 sqft
    2020-02-01 68 days 2,002 sqft
    2020-03-01 53 days 2,060 sqft
    2020-04-01 64 days 2,020 sqft
    2020-05-01 59 days 2,135 sqft
    2020-06-01 47 days 2,027 sqft
    2020-07-01 52 days 2,105 sqft
    2020-08-01 40 days 2,100 sqft
    2020-09-01 35 days 2,040 sqft
    2020-10-01 34 days 1,874 sqft
    2020-11-01 36 days 1,942 sqft
    2020-12-01 36 days 1,812 sqft
    2021-01-01 48 days 1,786 sqft
    2021-02-01 39 days 1,774 sqft
    2021-03-01 27 days 1,884 sqft
    2021-04-01 16 days 2,016 sqft
    2021-05-01 16 days 1,836 sqft
    2021-06-01 16 days 1,919 sqft
    2021-07-01 18 days 1,875 sqft
    2021-08-01 19 days 1,977 sqft
    2021-09-01 23 days 1,845 sqft
    2021-10-01 29 days 1,748 sqft
    2021-11-01 35 days 1,684 sqft
    2021-12-01 45 days 1,838 sqft
    2022-01-01 52 days 1,847 sqft
    2022-02-01 38 days 1,810 sqft
    2022-03-01 28 days 1,878 sqft
    2022-04-01 20 days 1,873 sqft
    2022-05-01 25 days 1,991 sqft
    2022-06-01 23 days 1,770 sqft
    2022-07-01 39 days 1,742 sqft
    2022-08-01 35 days 1,816 sqft
    2022-09-01 44 days 1,898 sqft
    2022-10-01 41 days 1,728 sqft
    2022-11-01 51 days 1,769 sqft
    2022-12-01 64 days 1,842 sqft
    2023-01-01 66 days 1,796 sqft
    2023-02-01 49 days 1,831 sqft
    2023-03-01 38 days 1,856 sqft
    2023-04-01 29 days 1,878 sqft
    2023-05-01 28 days 1,878 sqft
    2023-06-01 36 days 1,859 sqft
    2023-07-01 30 days 1,949 sqft
    2023-08-01 37 days 2,061 sqft
    JEFFERSON CITY's median listing age (time on market) for 2023-08-01 was 37 days. This is 7% longer than the same period one year ago.

    JEFFERSON CITY's median square footage for active listings during the 2023-08-01 period was 2,061 sqft. One year prior, the average listing was 1,816 sqft.

    JEFFERSON CITY, MO Average Rent (2023)

    Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

    For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
    Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
    65001 Jefferson City, MO $510 $560 $690 $970 $980
    65013 Jefferson City, MO $510 $560 $690 $970 $980
    65014 Jefferson City, MO $510 $560 $690 $970 $980
    65016 Jefferson City, MO $510 $560 $690 $980 $990
    65018 Jefferson City, MO $530 $550 $720 $910 $1,090
    65023 Jefferson City, MO $510 $550 $690 $950 $990
    65024 Jefferson City, MO $510 $560 $690 $970 $980
    65032 Jefferson City, MO $520 $570 $700 $990 $1,000
    65035 Jefferson City, MO $510 $560 $690 $970 $980
    65040 Jefferson City, MO $520 $570 $700 $980 $990
    65046 Jefferson City, MO $610 $620 $820 $1,030 $1,240
    65048 Jefferson City, MO $510 $560 $690 $970 $980
    65051 Jefferson City, MO $510 $560 $690 $970 $980
    65053 Jefferson City, MO $530 $580 $710 $1,010 $1,020
    65054 Jefferson City, MO $510 $560 $690 $980 $990
    65058 Jefferson City, MO $510 $560 $690 $970 $980
    65061 Jefferson City, MO $620 $680 $840 $1,190 $1,200
    65062 Jefferson City, MO $540 $590 $730 $1,010 $1,050
    65074 Jefferson City, MO $520 $560 $700 $960 $1,020
    65076 Jefferson City, MO $510 $560 $690 $980 $990
    65085 Jefferson City, MO $510 $560 $690 $970 $980
    65101 Jefferson City, MO $520 $570 $700 $990 $1,080
    65102 Jefferson City, MO $520 $570 $700 $990 $1,000
    65103 Jefferson City, MO $520 $570 $700 $990 $1,000
    65104 Jefferson City, MO $520 $570 $700 $990 $1,000
    65105 Jefferson City, MO $520 $570 $700 $990 $1,000
    65109 Jefferson City, MO $510 $560 $690 $980 $990
    65110 Jefferson City, MO $520 $570 $700 $990 $1,000
    65582 Jefferson City, MO $510 $560 $690 $970 $980

    2022 Average & Median Rent Data Statistics
    JEFFERSON CITY, MO average 1BR rent: $570, median: $560
    JEFFERSON CITY, MO average 2BR rent: $706, median: $690
    JEFFERSON CITY, MO average 3BR rent: $986, median: $980

    JEFFERSON CITY, MO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 2,027 $425,495,000 $209,914
    Cash Out Refi 612 $97,490,000 $159,297
    Other 505 $34,235,000 $67,792
    Refi 486 $97,110,000 $199,815
    Home Improvement 196 $17,810,000 $90,867

    Jefferson City's most frequently cited loan purpose was Home Purchase, with 2,027 originations. The 2nd most popular reason was Cash Out Refi, with 612 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 842 $153,030,000 $181,746
    4-5% 702 $128,270,000 $182,721
    3-4% 661 $129,485,000 $195,893
    6-7% 392 $66,390,000 $169,362
    2.5-3% 321 $38,085,000 $118,645
    7-8% 119 $16,425,000 $138,025
    <2.5% 51 $12,895,000 $252,843
    Over 8% 30 $1,650,000 $55,000

    During 2022, Jefferson City's most frequently originated rate bucket was 5-6%, with 842 originations.

    Loan Sizing (JEFFERSON CITY, MO MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 1,526 $223,350,000 $146,363
    $100,000 or less 1,158 $65,530,000 $56,589
    $200k-400k 950 $257,500,000 $271,053
    $400k-600k 144 $67,260,000 $467,083
    $600k-1000k 31 $21,725,000 $700,806
    $Over $1MM 17 $36,775,000 $2,163,235

    JEFFERSON CITY's loan sizing saw the bucket of loans from $100k-200k with 1,526 originations, totaling $223,350,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 1,307 $278,915,000 $213,401
    60-80% 773 $159,505,000 $206,345
    Under 20% 346 $15,330,000 $44,306
    20-40% 325 $29,505,000 $90,785
    40-60% 304 $47,460,000 $156,118
    Over 100% 47 $12,095,000 $257,340

    JEFFERSON CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,307 originations, totaling $278,915,000 in origination value.