JEFFERSON CITY Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Jefferson City averaged 6.82% for the week of 2024-06-20, compared to the national average of 6.87% for the same period.

The average rate for the prior week (2024-06-13) was 7.2% and one month ago for the week of 2024-05-16, the average rate was 6.97%.

Jefferson City's average rate one year ago was 6.94%.

For refis of the same type during the week of 2024-06-20, the average rate was 6.96%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-20 6.87%
Jefferson City 30 Year Fixed Rate 2024-06-20 6.82%
Jefferson City 30 Year Fixed Rate Refi 2024-06-20 6.96%
Jefferson City 15 Year Fixed Rate 2024-06-20 6.03%
Jefferson City 15 Year Fixed Rate Refi 2024-06-20 6.23%
Jefferson City 30 Year FHA 2024-06-20 0.09%
Jefferson City 30 Year FHA Refi 2024-06-20 0%
Jefferson City 30 Year USDA 2024-06-20 0%
Jefferson City 30 Year USDA Refi 2024-06-20 -0.1%
Jefferson City 30 Year VA 2024-06-20 0.42%
Jefferson City 30 Year VA Refi 2024-06-20 0.2%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
The Central Trust Bank 235 6.92% $2,824
FLAT BRANCH MORTGAGE, INC. 212 6.90% $3,295
UNITED WHOLESALE MORTGAGE, LLC 83 7.15% $6,701
MISSOURI Credit Union 42 6.62% $2,278
Hawthorn Bank 42 6.74% $2,788
DAS Acquisition Company, LLC 27 6.70% $3,652
QUICKEN LOANS, LLC 23 6.96% $5,308
Midwest Mortgage Associates Corporation 13 6.59% $3,570
GERSHMAN INVESTMENT CORP. 13 6.80% $2,763
U.S. Bank 13 6.50% $4,197
Mortgage Research Center, LLC 12 6.27% $2,488
First Mid Bank & Trust 8 6.42% $2,231
LOANDEPOT.COM, LLC 7 7.16% $5,858
CRESCENT MORTGAGE COMPANY 6 7.00% $2,881
NAVY FEDERAL CREDIT UNION 6 5.75% $4,119
Commerce Bank 5 6.58% $2,884
Wells Fargo Bank 5 7.10% $4,693
First State Community Bank 5 6.77% $2,692
CMG MORTGAGE, INC. 4 6.97% $5,250
JPMorgan Chase Bank 4 6.72% $3,835
TOWNE MORTGAGE COMPANY 4 7.44% $6,406
BROKER SOLUTIONS, INC. 3 6.71% $3,294
GUILD MORTGAGE COMPANY 3 6.54% $3,952
NBKC BANK 3 6.58% $3,015
MISSOURI ELECTRIC COOPERATIVES EMPL 3 6.00% $2,002
Bell Bank 3 7.37% $4,335
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 7.08% $4,407
The Bank of Missouri 2 6.25% $2,961
ON Q FINANCIAL, INC. 2 7.38% $6,510
LAKEVIEW LOAN SERVICING, LLC 2 6.81% $5,813
Flagstar Bank, FSB 2 7.68% $4,845
EVERETT FINANCIAL, INC. 2 7.00% $7,700
GENEVA FINANCIAL, LLC 2 6.63% $6,033
Regions Bank 2 6.50% $2,957
FREEDOM MORTGAGE CORPORATION 2 7.63% $6,508
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.56% $3,562
GUARANTEED RATE, INC. 2 6.04% $6,218
The Federal Savings Bank 1 7.00% $4,032
WEST COMMUNITY 1 6.25% $2,965
ACCESS CAPITAL FUNDING, L.L.C. 1 6.13% $4,018
West Gate Bank 1 7.63% $2,450
AMERICAN FINANCING CORPORATION 1 5.99% $5,204
Armed Forces Bank 1 6.50% $1,292
Bank of America 1 6.25% $2,288
Bank of England 1 6.88% $3,316
CHURCHILL MORTGAGE CORPORATION 1 7.75% $4,364
Citizens Bank 1 6.38% $2,634
CITIZENS EQUITY FIRST 1 5.88% $2,405
Community Mortgage Banc Corporation 1 6.38% $2,635
CONTOUR MORTGAGE CORPORATION 1 7.00% $7,944
CREDIT UNION OF AMERICA 1 7.63% $2,404
DELMAR FINANCIAL COMPANY 1 6.99% $3,424
ENDEAVOR CAPITAL, LLC. 1 5.99% $3,291
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 6.38% $2,470
First Community Bank 1 8.00% $6,637
First Horizon Bank 1 6.75% $2,565
First State Bank of St. Charles, Missouri 1 7.00% $3,140
Flanagan State Bank 1 6.50% $3,836
FRONTIER FINANCIAL, INC. 1 7.25% $3,783
Gateway First Bank 1 6.75% $2,672
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.99% $3,212
HALLMARK HOME MORTGAGE, LLC 1 7.63% $7,233
HOMESITE MORTGAGE, LLC 1 6.13% $2,715
LOANPAL, LLC 1 6.50% $9,318
Midwest BankCentre 1 6.88% $2,466
Morgan Stanley Private Bank 1 5.85% $2,012
Mortgage Investment Services Corporation 1 7.13% $3,657
NEWREZ LLC 1 6.50% $2,193
NexBank 1 6.00% $3,423
Northpointe Bank 1 6.88% $2,702
Paramount Residential Mortgage Group, Inc. 1 6.25% $10,638
PENNYMAC LOAN SERVICES, LLC 1 7.50% $8,028
PNC Bank 1 7.25% $3,782
RED DIAMOND HOME LOANS, LLC 1 6.13% $2,970
R-G Federal Credit Union 1 6.30% $3,115
Sierra Pacific Mortgage Company, Inc. 1 6.88% $5,333
Springfield First Community Bank 1 6.63% $2,534

JEFFERSON CITY Average Closing Costs & Other Stats

JEFFERSON CITY, MO's 77 lenders originated 2,972 loans during 2023. The total origination value was $533,110,000, with an average loan value of $179,378.

JEFFERSON CITY's average closing costs are $3,639.

The top JEFFERSON CITY lender as defined by loan originations is The Central Trust Bank, with 235 loans originated. Their average total fees are $2,824, which is $471 lower than the next largest lender, FLAT BRANCH MORTGAGE, INC..

The lowest fee JEFFERSON CITY lenders (with over 10 loans originated) are MISSOURI Credit Union ($2,278), Mortgage Research Center, LLC ($2,488), GERSHMAN INVESTMENT CORP. ($2,763), Hawthorn Bank ($2,788) and The Central Trust Bank ($2,824).

The lowest rate JEFFERSON CITY lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.27%), U.S. Bank (6.50%), Midwest Mortgage Associates Corporation (6.59%), MISSOURI Credit Union (6.62%) and DAS Acquisition Company, LLC (6.70%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
The Central Trust Bank $149,355,000 $114,515,000 -23.3% 21.5%
FLAT BRANCH MORTGAGE, INC. $92,300,000 $76,255,000 -17.4% 14.3%
River Region Credit Union $35,965,000 $34,145,000 -5.1% 6.4%
Mid America Bank $38,380,000 $33,605,000 -12.4% 6.3%
UNITED WHOLESALE MORTGAGE, LLC $12,880,000 $29,975,000 132.7% 5.6%
Hawthorn Bank $40,525,000 $26,940,000 -33.5% 5.1%
Mortgage Research Center, LLC $18,260,000 $21,465,000 17.6% 4.0%
LEGENDS BANK $25,335,000 $17,425,000 -31.2% 3.3%
QUICKEN LOANS, LLC $17,695,000 $14,755,000 -16.6% 2.8%
DAS Acquisition Company, LLC $15,520,000 $10,820,000 -30.3% 2.0%
MISSOURI Credit Union $10,215,000 $8,910,000 -12.8% 1.7%
The Callaway Bank $13,450,000 $8,635,000 -35.8% 1.6%
First State Community Bank $4,785,000 $6,935,000 44.9% 1.3%
UNITED SECURITY BANK $6,475,000 n/a 1.2%
Midwest Mortgage Associates Corporation $9,060,000 $5,740,000 -36.6% 1.1%
U.S. Bank $4,885,000 $5,735,000 17.4% 1.1%
GERSHMAN INVESTMENT CORP. $8,315,000 $4,915,000 -40.9% 0.9%
Community Point Bank $4,815,000 n/a 0.9%
The Tipton Latham Bank $3,875,000 n/a 0.7%
TOWNE MORTGAGE COMPANY $3,775,000 n/a 0.7%
Commerce Bank $7,035,000 $3,575,000 -49.2% 0.7%
First Mid Bank & Trust $1,405,000 $3,565,000 153.7% 0.7%
NAVY FEDERAL CREDIT UNION $3,465,000 $3,155,000 -8.9% 0.6%
Exchange Bank of Missouri $4,110,000 $3,110,000 -24.3% 0.6%
Regions Bank $3,860,000 $3,090,000 -19.9% 0.6%
LOANDEPOT.COM, LLC $4,955,000 $3,000,000 -39.5% 0.6%
FREEDOM MORTGAGE CORPORATION $4,265,000 $2,900,000 -32.0% 0.5%
Peoples Bank of Moniteau County $2,810,000 n/a 0.5%
Carrington Mortgage Services, LLC $1,945,000 $2,530,000 30.1% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $980,000 $2,440,000 149.0% 0.5%
CMG MORTGAGE, INC. $6,170,000 $2,425,000 -60.7% 0.5%
Bell Bank $1,665,000 $2,035,000 22.2% 0.4%
PENNYMAC LOAN SERVICES, LLC $4,620,000 $1,835,000 -60.3% 0.3%
Flagstar Bank, FSB $3,375,000 $1,575,000 -53.3% 0.3%
Wells Fargo Bank $2,995,000 $1,545,000 -48.4% 0.3%
CRESCENT MORTGAGE COMPANY $1,040,000 $1,410,000 35.6% 0.3%
GUILD MORTGAGE COMPANY $1,130,000 $1,390,000 23.0% 0.3%
PNC Bank $905,000 $1,310,000 44.8% 0.2%
AMERISAVE MORTGAGE CORPORATION $2,185,000 $1,305,000 -40.3% 0.2%
BROKER SOLUTIONS, INC. $1,415,000 $1,295,000 -8.5% 0.2%
GUARANTEED RATE, INC. $600,000 $1,295,000 115.8% 0.2%
The Bank of Missouri $680,000 $1,100,000 61.8% 0.2%
ENDEAVOR CAPITAL, LLC. $1,430,000 $1,095,000 -23.4% 0.2%
MISSOURI ELECTRIC COOPERATIVES EMPL $450,000 $1,095,000 143.3% 0.2%
JPMorgan Chase Bank $970,000 $1,085,000 11.9% 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $1,050,000 n/a 0.2%
NBKC BANK $215,000 $990,000 360.5% 0.2%
Mr. Cooper ( Nationstar Mortgage ) $1,760,000 $950,000 -46.0% 0.2%
PLANET HOME LENDING, LLC $195,000 $880,000 351.3% 0.2%
ON Q FINANCIAL, INC. $1,295,000 $840,000 -35.1% 0.2%
COMMUNITY MORTGAGE, LLC $1,735,000 $810,000 -53.3% 0.2%
Great Southern Bank $705,000 $800,000 13.5% 0.2%
The Maries County Bank $3,190,000 $780,000 -75.5% 0.1%
Heritage Community Bank $350,000 $765,000 118.6% 0.1%
Mid-Continent Funding, Inc. $570,000 $760,000 33.3% 0.1%
The Federal Savings Bank $325,000 $705,000 116.9% 0.1%
BNC National Bank $685,000 n/a 0.1%
USAA Federal Savings Bank $1,400,000 $680,000 -51.4% 0.1%
First State Bank of St. Charles, Missouri $1,140,000 $675,000 -40.8% 0.1%
NEWREZ LLC $1,080,000 $650,000 -39.8% 0.1%
NEW DAY FINANCIAL, LLC $1,730,000 $640,000 -63.0% 0.1%
Bank of England $630,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,095,000 $625,000 -42.9% 0.1%
Wells Bank $620,000 n/a 0.1%
JONESBURG STATE BANK $615,000 n/a 0.1%
United Credit Union $1,690,000 $565,000 -66.6% 0.1%
Bank of America $705,000 $560,000 -20.6% 0.1%
Barrington Bank & Trust Company, N.A. $545,000 n/a 0.1%
GENEVA FINANCIAL, LLC $455,000 $530,000 16.5% 0.1%
People's Savings Bank of Rhineland $6,735,000 $525,000 -92.2% 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $715,000 $515,000 -28.0% 0.1%
NexBank $515,000 n/a 0.1%
LAKEVIEW LOAN SERVICING, LLC $2,500,000 $495,000 -80.2% 0.1%
RED DIAMOND HOME LOANS, LLC $490,000 n/a 0.1%
EVERETT FINANCIAL, INC. $225,000 $480,000 113.3% 0.1%
Discover Bank $90,000 $475,000 427.8% 0.1%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $455,000 n/a 0.1%
Ameris Bank $450,000 n/a 0.1%
UMB Bank $615,000 $450,000 -26.8% 0.1%
Simmons Bank $1,125,000 $440,000 -60.9% 0.1%
CONSERVATION EMP. CREDIT UNION $430,000 n/a 0.1%
M&T Bank $375,000 $430,000 14.7% 0.1%
Truist $420,000 n/a 0.1%
Citizens Bank $165,000 $395,000 139.4% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $735,000 $390,000 -46.9% 0.1%
Mortgage Investment Services Corporation $515,000 $385,000 -25.2% 0.1%
Sierra Pacific Mortgage Company, Inc. $375,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $665,000 $350,000 -47.4% 0.1%
WEST COMMUNITY $780,000 $350,000 -55.1% 0.1%
First Midwest Bank of Poplar Bluff $335,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $325,000 n/a 0.1%
Wood & Huston Bank $390,000 $320,000 -17.9% 0.1%
HALLMARK HOME MORTGAGE, LLC $315,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $265,000 $315,000 18.9% 0.1%
HOMESITE MORTGAGE, LLC $305,000 n/a 0.1%
Members Mortgage Services, L.L.C. $305,000 n/a 0.1%
First Horizon Bank $295,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $815,000 $290,000 -64.4% 0.1%
Ardent Federal Credit Union $285,000 n/a 0.1%
Farmers Bank & Trust $285,000 n/a 0.1%
Service Federal Credit Union $285,000 n/a 0.1%
Gateway First Bank $230,000 $270,000 17.4% 0.1%
ANDREWS FEDERAL CREDIT UNION $265,000 n/a 0.0%
VILLAGE CAPITAL MORTGAGE $630,000 $265,000 -57.9% 0.0%
21ST MORTGAGE CORPORATION $705,000 $260,000 -63.1% 0.0%
HNB National Bank $415,000 $260,000 -37.3% 0.0%
PEOPLES BANK & TRUST CO. $255,000 n/a 0.0%
Bank & Trust Company $245,000 n/a 0.0%
The Bank of Old Monroe $105,000 $245,000 133.3% 0.0%
DELMAR FINANCIAL COMPANY $625,000 $235,000 -62.4% 0.0%
FIRST INTEGRITY MORTGAGE SERVICES, INC. $195,000 $235,000 20.5% 0.0%
Peoples Bank $75,000 $235,000 213.3% 0.0%
CARDINAL FINANCIAL $1,370,000 $225,000 -83.6% 0.0%
CITIZENS EQUITY FIRST $85,000 $225,000 164.7% 0.0%
Armed Forces Bank $440,000 $215,000 -51.1% 0.0%
FRONTIER FINANCIAL, INC. $215,000 n/a 0.0%
Northpointe Bank $45,000 $215,000 377.8% 0.0%
VANTAGE Credit Union $55,000 $215,000 290.9% 0.0%
The Missouri Bank $335,000 $205,000 -38.8% 0.0%
West Gate Bank $205,000 n/a 0.0%
AMWEST FUNDING CORP. $200,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $200,000 n/a 0.0%
First Community Bank $195,000 n/a 0.0%
Sterling Bank $195,000 n/a 0.0%
United Fidelity Funding Corp. $225,000 $195,000 -13.3% 0.0%
BTC BANK $35,000 $190,000 442.9% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $625,000 $185,000 -70.4% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $175,000 n/a 0.0%
CIS Financial Services, Inc. $175,000 n/a 0.0%
Community Mortgage Banc Corporation $585,000 $175,000 -70.1% 0.0%
Flanagan State Bank $265,000 $175,000 -34.0% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $175,000 n/a 0.0%
LOANPAL, LLC $195,000 $175,000 -10.3% 0.0%
Springfield First Community Bank $175,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $370,000 $175,000 -52.7% 0.0%
Toyota Financial Savings Bank $445,000 $175,000 -60.7% 0.0%
Citizens Bank $165,000 $165,000 0.0% 0.0%
First Federal Community Bank of Bucyrus $165,000 n/a 0.0%
GSF Mortgage Corporation $375,000 $165,000 -56.0% 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. $260,000 $165,000 -36.5% 0.0%
ACCESS CAPITAL FUNDING, L.L.C. $155,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $645,000 $155,000 -76.0% 0.0%
Boeing Employees Credit Union $135,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $155,000 $135,000 -12.9% 0.0%
CREDIT UNION OF AMERICA $135,000 n/a 0.0%
First Bank $185,000 $135,000 -27.0% 0.0%
Lindell Bank & Trust Company $135,000 n/a 0.0%
Servion, Inc. $215,000 $135,000 -37.2% 0.0%
Arvest Bank $1,455,000 $130,000 -91.1% 0.0%
Figure Lending LLC $220,000 $130,000 -40.9% 0.0%
TRIAD FINANCIAL SERVICES, INC. $35,000 $130,000 271.4% 0.0%
COMMERCIAL TRUST COMPANY OF FAYETTE $155,000 $125,000 -19.4% 0.0%
CONTOUR MORTGAGE CORPORATION $125,000 n/a 0.0%
GUARANTEED RATE AFFINITY, LLC $125,000 n/a 0.0%
Morgan Stanley Private Bank $365,000 $125,000 -65.8% 0.0%
Third Federal Savings and Loan Association of Cleveland $125,000 n/a 0.0%
BETTER MORTGAGE CORPORATION $115,000 n/a 0.0%
Southern Bank $155,000 $115,000 -25.8% 0.0%
Midwest BankCentre $1,670,000 $105,000 -93.7% 0.0%
R-G Federal Credit Union $105,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $475,000 $90,000 -81.1% 0.0%
FINANCE OF AMERICA REVERSE LLC $75,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $75,000 n/a 0.0%
Montgomery Bank $375,000 $75,000 -80.0% 0.0%
ROYAL UNITED MORTGAGE LLC $315,000 $75,000 -76.2% 0.0%
PENTAGON FEDERAL CREDIT UNION $565,000 $70,000 -87.6% 0.0%
Community State Bank of Missouri $65,000 n/a 0.0%
Bank of Odessa $55,000 n/a 0.0%
STAR USA FEDERAL CREDIT UNION $75,000 $55,000 -26.7% 0.0%
ALLIANT CREDIT UNION $35,000 n/a 0.0%

JEFFERSON CITY's top lender by overall market share is The Central Trust Bank, with 21.5% market share. In second place, with 14.3%, is FLAT BRANCH MORTGAGE, INC., having originated $76,255,000 in loans. In third place, with 6.4%, is River Region Credit Union, having originated $34,145,000 in loans. In fourth place, with 6.3%, is Mid America Bank, having originated $33,605,000 in loans. In fifth place, with 5.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $29,975,000 in loans.

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 HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65013 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65014 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65016 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65018 Jefferson City, MO HUD Metro FMR Area $580 $580 $770 $980 $1,120
65023 Jefferson City, MO HUD Metro FMR Area $600 $600 $750 $1,040 $1,060
65024 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65032 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65035 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65040 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65046 Jefferson City, MO HUD Metro FMR Area $560 $570 $750 $950 $1,120
65048 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65051 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65053 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65054 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65058 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65061 Jefferson City, MO HUD Metro FMR Area $810 $820 $1,000 $1,420 $1,420
65062 Jefferson City, MO HUD Metro FMR Area $640 $650 $800 $1,120 $1,160
65074 Jefferson City, MO HUD Metro FMR Area $600 $600 $750 $1,030 $1,070
65076 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65085 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060
65101 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,080
65102 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
65103 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
65104 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
65105 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
65109 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
65110 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,070 $1,070
65582 Jefferson City, MO HUD Metro FMR Area $610 $610 $750 $1,060 $1,060

2022 Average & Median Rent Data Statistics
JEFFERSON CITY, MO average 1BR rent: $616, median: $610
JEFFERSON CITY, MO average 2BR rent: $761, median: $750
JEFFERSON CITY, MO average 3BR rent: $1,068, median: $1,060

JEFFERSON CITY, MO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,742 $382,970,000 $219,845
Other 419 $27,725,000 $66,169
Cash Out Refi 386 $55,260,000 $143,161
Refi 223 $52,215,000 $234,148
Home Improvement 202 $14,940,000 $73,960

Jefferson City's most frequently cited loan purpose was Home Purchase, with 1,742 originations. The 2nd most popular reason was Other, with 419 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 936 $183,080,000 $195,598
7-8% 622 $134,210,000 $215,772
Over 8% 347 $38,225,000 $110,159
5-6% 313 $50,875,000 $162,540
4-5% 10 $1,950,000 $195,000
2.5-3% 9 $965,000 $107,222
3-4% 4 $1,470,000 $367,500
<2.5% 1 $5,000 $5,000

During 2023, Jefferson City's most frequently originated rate bucket was 6-7%, with 936 originations.

Loan Sizing (JEFFERSON CITY, MO MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,059 $158,665,000 $149,825
$100,000 or less 953 $52,565,000 $55,157
$200k-400k 805 $217,115,000 $269,708
$400k-600k 105 $49,255,000 $469,095
$600k-1000k 37 $26,255,000 $709,595
$Over $1MM 13 $29,255,000 $2,250,385

JEFFERSON CITY's loan sizing saw the bucket of loans from $100k-200k with 1,059 originations, totaling $158,665,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 980 $222,530,000 $227,071
60-80% 438 $90,400,000 $206,393
Under 20% 297 $16,695,000 $56,212
20-40% 294 $32,700,000 $111,224
40-60% 189 $36,445,000 $192,831
Over 100% 40 $11,170,000 $279,250

JEFFERSON CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 980 originations, totaling $222,530,000 in origination value.