JEFFERSON CITY Mortgage Rates
30 Year Fixed Rate mortgages in Jefferson City averaged
5.41%
for the week of 2022-05-12, compared to the national average of
5.3% for the same period.
The average rate for the prior week (2022-05-05) was
5.38% and
one month ago for the week of 2022-04-07, the
average rate was 4.63%.
Jefferson City's average rate one year ago was 3.21%.
For refis of the same type during the week of 2022-05-12, the average rate
was 5.37%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-12 | 5.3% |
| Jefferson City 30 Year Fixed Rate | 2022-05-12 | 5.41% |
| Jefferson City 30 Year Fixed Rate Refi | 2022-05-12 | 5.37% |
| Jefferson City 15 Year Fixed Rate | 2022-05-12 | 5% |
| Jefferson City 15 Year Fixed Rate Refi | 2022-05-12 | 4.74% |
| Jefferson City 30 Year FHA | 2022-05-12 | 5.57% |
| Jefferson City 30 Year FHA Refi | 2022-05-12 | 5.26% |
| Jefferson City 30 Year USDA | 2022-05-12 | 5.32% |
| Jefferson City 30 Year USDA Refi | 2022-05-12 | 5.14% |
| Jefferson City 30 Year VA | 2022-05-12 | 5.23% |
| Jefferson City 30 Year VA Refi | 2022-05-12 | 4.96% |
JEFFERSON CITY 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 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.).
JEFFERSON CITY, MO's 122 lenders originated 5,336
loans during 2021. The total origination value was $973,070,000, with an average loan value of
$182,359.
The top JEFFERSON CITY lender as defined by loan originations is The Central Trust Bank, with
609 loans originated. Their average total fees are
$2,419, which is $153
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 ($1,683), Mortgage Research Center, LLC ($1,762), MISSOURI Credit Union ($1,905), GERSHMAN INVESTMENT CORP. ($2,022) and Hawthorn Bank ($2,054).
The lowest rate JEFFERSON CITY lenders (with over 10 loans originated) are
Mortgage Research Center, LLC (2.90%), UNITED WHOLESALE MORTGAGE, LLC (2.94%), Hawthorn Bank (2.97%), HOME POINT FINANCIAL CORPORATION (3.01%) and MISSOURI Credit Union (3.01%).
JEFFERSON CITY, 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 | $220,805,000 | $260,950,000 | 18.2% | 26.8% |
| FLAT BRANCH MORTGAGE, INC. | $56,275,000 | $78,030,000 | 38.7% | 8.0% |
| HOME POINT FINANCIAL CORPORATION | $54,575,000 | $64,585,000 | 18.3% | 6.6% |
| Hawthorn Bank | $53,825,000 | $53,205,000 | -1.2% | 5.5% |
| Mid America Bank | $73,590,000 | $49,240,000 | -33.1% | 5.1% |
| River Region Credit Union | $45,790,000 | $42,020,000 | -8.2% | 4.3% |
| QUICKEN LOANS, LLC | $26,725,000 | $36,255,000 | 35.7% | 3.7% |
| First State Community Bank | $2,415,000 | $26,925,000 | 1,014.9% | 2.8% |
| DAS Acquisition Company, LLC | $16,235,000 | $25,290,000 | 55.8% | 2.6% |
| MISSOURI Credit Union | $26,285,000 | $25,015,000 | -4.8% | 2.6% |
| Mortgage Research Center, LLC | $25,395,000 | $24,685,000 | -2.8% | 2.5% |
| The Callaway Bank | $40,670,000 | $21,500,000 | -47.1% | 2.2% |
| LEGENDS BANK | $12,750,000 | $15,475,000 | 21.4% | 1.6% |
| GERSHMAN INVESTMENT CORP. | $17,395,000 | $14,635,000 | -15.9% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $16,365,000 | $14,435,000 | -11.8% | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | $5,405,000 | $11,260,000 | 108.3% | 1.2% |
| Midwest Mortgage Associates Corporation | $6,380,000 | $9,015,000 | 41.3% | 0.9% |
| Bank of St. Elizabeth | $5,030,000 | $8,350,000 | 66.0% | 0.9% |
| LOANDEPOT.COM, LLC | $5,080,000 | $7,895,000 | 55.4% | 0.8% |
| U.S. Bank | $8,860,000 | $7,530,000 | -15.0% | 0.8% |
| Commerce Bank | $8,330,000 | $7,420,000 | -10.9% | 0.8% |
| Regions Bank | $6,665,000 | $6,710,000 | 0.7% | 0.7% |
| Exchange Bank of Missouri | $9,825,000 | $6,340,000 | -35.5% | 0.7% |
| COMMUNITY MORTGAGE, LLC | $5,720,000 | $6,190,000 | 8.2% | 0.6% |
| Wood & Huston Bank | $320,000 | $5,610,000 | 1,653.1% | 0.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,510,000 | $5,445,000 | 20.7% | 0.6% |
| Wells Fargo Bank | $5,620,000 | $5,365,000 | -4.5% | 0.6% |
| The Missouri Bank | $45,000 | $4,910,000 | 10,811.1% | 0.5% |
| CMG MORTGAGE, INC. | $12,495,000 | $4,900,000 | -60.8% | 0.5% |
| USAA Federal Savings Bank | $4,130,000 | $4,060,000 | -1.7% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $1,330,000 | $3,550,000 | 166.9% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $4,485,000 | $3,265,000 | -27.2% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,550,000 | $3,020,000 | 94.8% | 0.3% |
| MISSOURI ELECTRIC COOPERATIVES EMPL | $5,495,000 | $2,755,000 | -49.9% | 0.3% |
| CRESCENT MORTGAGE COMPANY | $4,745,000 | $2,635,000 | -44.5% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $1,410,000 | $2,590,000 | 83.7% | 0.3% |
| Flagstar Bank, FSB | $2,540,000 | $2,570,000 | 1.2% | 0.3% |
| BETTER MORTGAGE CORPORATION | $335,000 | $2,550,000 | 661.2% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $1,820,000 | $2,535,000 | 39.3% | 0.3% |
| NEWREZ LLC | $995,000 | $2,500,000 | 151.3% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,240,000 | $2,345,000 | 89.1% | 0.2% |
| CALIBER HOME LOANS, INC. | $725,000 | $2,310,000 | 218.6% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,870,000 | $2,215,000 | 18.4% | 0.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $250,000 | $2,115,000 | 746.0% | 0.2% |
| Citizens Bank | $165,000 | $2,110,000 | 1,178.8% | 0.2% |
| NEW DAY FINANCIAL, LLC | $2,845,000 | $2,105,000 | -26.0% | 0.2% |
| UNION HOME MORTGAGE CORP. | $900,000 | $2,075,000 | 130.6% | 0.2% |
| First Mid Bank & Trust | $2,020,000 | n/a | 0.2% | |
| People's Savings Bank of Rhineland | $475,000 | $1,975,000 | 315.8% | 0.2% |
| UMB Bank | $1,415,000 | $1,845,000 | 30.4% | 0.2% |
| The Bank of Missouri | $1,875,000 | $1,820,000 | -2.9% | 0.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | $830,000 | $1,740,000 | 109.6% | 0.2% |
| ON Q FINANCIAL, INC. | $955,000 | $1,665,000 | 74.3% | 0.2% |
| Carrington Mortgage Services, LLC | $1,240,000 | $1,645,000 | 32.7% | 0.2% |
| Simmons Bank | $3,090,000 | $1,585,000 | -48.7% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $145,000 | $1,510,000 | 941.4% | 0.2% |
| United Credit Union | $1,260,000 | $1,450,000 | 15.1% | 0.1% |
| GUILD MORTGAGE COMPANY | $1,705,000 | $1,445,000 | -15.2% | 0.1% |
| Bell Bank | $195,000 | $1,415,000 | 625.6% | 0.1% |
| Arvest Bank | $720,000 | $1,305,000 | 81.3% | 0.1% |
| Guaranty Bank | $1,290,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,195,000 | n/a | 0.1% | |
| WEST COMMUNITY | $840,000 | $1,195,000 | 42.3% | 0.1% |
| First Bank | $120,000 | $1,155,000 | 862.5% | 0.1% |
| The Federal Savings Bank | $225,000 | $1,115,000 | 395.6% | 0.1% |
| Providence Bank | $9,455,000 | $1,085,000 | -88.5% | 0.1% |
| Equity Prime Mortgage LLC | $1,205,000 | $1,060,000 | -12.0% | 0.1% |
| FCS Financial FLCA | $965,000 | n/a | 0.1% | |
| Magnolia Bank | $820,000 | $950,000 | 15.9% | 0.1% |
| Mid-Continent Funding, Inc. | $595,000 | $945,000 | 58.8% | 0.1% |
| Stifel Bank and Trust | $135,000 | $920,000 | 581.5% | 0.1% |
| JPMorgan Chase Bank | $695,000 | $910,000 | 30.9% | 0.1% |
| Bank of Hillsboro | $905,000 | n/a | 0.1% | |
| Ally Bank | $205,000 | $900,000 | 339.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,030,000 | $895,000 | -13.1% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $435,000 | $860,000 | 97.7% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $775,000 | $830,000 | 7.1% | 0.1% |
| Northpointe Bank | $105,000 | $820,000 | 681.0% | 0.1% |
| AMERICAN FINANCING CORPORATION | $1,255,000 | $815,000 | -35.1% | 0.1% |
| InterContinental Capital Group, Inc | $810,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS LLC | $125,000 | $810,000 | 548.0% | 0.1% |
| Capitol Federal Savings Bank | $350,000 | $790,000 | 125.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $775,000 | n/a | 0.1% | |
| ENDEAVOR CAPITAL, LLC. | $1,460,000 | $745,000 | -49.0% | 0.1% |
| First State Bank of St. Charles, Missouri | $970,000 | $740,000 | -23.7% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $405,000 | $720,000 | 77.8% | 0.1% |
| Community First National Bank | $710,000 | n/a | 0.1% | |
| The Maries County Bank | $550,000 | $670,000 | 21.8% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $145,000 | $630,000 | 334.5% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $295,000 | $615,000 | 108.5% | 0.1% |
| Great Southern Bank | $1,020,000 | $605,000 | -40.7% | 0.1% |
| Alliant Bank | $465,000 | $550,000 | 18.3% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $335,000 | $530,000 | 58.2% | 0.1% |
| FIRST COMMUNITY | $595,000 | $525,000 | -11.8% | 0.1% |
| UBS Bank USA | $505,000 | n/a | 0.1% | |
| First Guaranty Mortgage Corporation | $1,015,000 | $495,000 | -51.2% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $490,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $1,345,000 | $480,000 | -64.3% | 0.0% |
| Farmers State Bank | $470,000 | n/a | 0.0% | |
| MOVEMENT MORTGAGE, LLC | $735,000 | $465,000 | -36.7% | 0.0% |
| THOMPSON KANE & COMPANY, LLC | $85,000 | $450,000 | 429.4% | 0.0% |
| First Federal Bank of Kansas City | $520,000 | $445,000 | -14.4% | 0.0% |
| Equity Bank | $430,000 | n/a | 0.0% | |
| Bank of England | $420,000 | n/a | 0.0% | |
| First Federal Bank | $420,000 | n/a | 0.0% | |
| West Gate Bank | $195,000 | $420,000 | 115.4% | 0.0% |
| Peoples National Bank , N.A. | $325,000 | $410,000 | 26.2% | 0.0% |
| PNC Bank | $720,000 | $405,000 | -43.8% | 0.0% |
| Ixonia Bank | $395,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $530,000 | $380,000 | -28.3% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $545,000 | $380,000 | -30.3% | 0.0% |
| Servion, Inc. | $985,000 | $370,000 | -62.4% | 0.0% |
| CELEBRITY HOME LOANS, LLC | $105,000 | $365,000 | 247.6% | 0.0% |
| 21ST MORTGAGE CORPORATION | $240,000 | $360,000 | 50.0% | 0.0% |
| LOANPAL, LLC | $515,000 | $355,000 | -31.1% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $660,000 | $350,000 | -47.0% | 0.0% |
| PLANET HOME LENDING, LLC | $795,000 | $350,000 | -56.0% | 0.0% |
| United Fidelity Funding Corp. | $345,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $100,000 | $340,000 | 240.0% | 0.0% |
| Montgomery Bank | $55,000 | $340,000 | 518.2% | 0.0% |
| Mazuma Credit Union | $335,000 | n/a | 0.0% | |
| COMMERCIAL TRUST COMPANY OF FAYETTE | $1,110,000 | $325,000 | -70.7% | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | $325,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $410,000 | $320,000 | -22.0% | 0.0% |
| U S WIDE FINANCIAL LLC | $145,000 | $315,000 | 117.2% | 0.0% |
| Truist Bank | $310,000 | n/a | 0.0% | |
| TIAA, FSB | $530,000 | $305,000 | -42.5% | 0.0% |
| GUARANTEED RATE, INC. | $300,000 | n/a | 0.0% | |
| STEARNS LENDING, LLC | $240,000 | $295,000 | 22.9% | 0.0% |
| Community Mortgage Banc Corporation | $670,000 | $280,000 | -58.2% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $75,000 | $275,000 | 266.7% | 0.0% |
| Bloomsdale Bank | $175,000 | $270,000 | 54.3% | 0.0% |
| Community State Bank of Missouri | $180,000 | $265,000 | 47.2% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $555,000 | $265,000 | -52.3% | 0.0% |
| FIRST INTEGRITY MORTGAGE SERVICES, INC. | $260,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $690,000 | $255,000 | -63.0% | 0.0% |
| Bank of America | $1,640,000 | $250,000 | -84.8% | 0.0% |
| Baxter Credit Union | $245,000 | n/a | 0.0% | |
| First Home Bank | $215,000 | $245,000 | 14.0% | 0.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | $245,000 | n/a | 0.0% | |
| IOWA BANKERS MORTGAGE CORPORATION | $245,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $240,000 | n/a | 0.0% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $235,000 | n/a | 0.0% | |
| Low VA Rates, LLC | $395,000 | $230,000 | -41.8% | 0.0% |
| Nations Lending Corporation | $230,000 | n/a | 0.0% | |
| Citibank | $85,000 | $225,000 | 164.7% | 0.0% |
| FRONTIER FINANCIAL, INC. | $225,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $135,000 | $220,000 | 63.0% | 0.0% |
| First Midwest Bank | $215,000 | n/a | 0.0% | |
| GUARANTY HOME MORTGAGE CORPORATION | $215,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $225,000 | $215,000 | -4.4% | 0.0% |
| Gateway First Bank | $105,000 | $210,000 | 100.0% | 0.0% |
| Plains Commerce Bank | $250,000 | $210,000 | -16.0% | 0.0% |
| Atlantic Union Bank | $205,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $205,000 | n/a | 0.0% | |
| Triumph Bank | $205,000 | n/a | 0.0% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $195,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $195,000 | n/a | 0.0% | |
| CapGrow Home Mortgage, LLC | $185,000 | n/a | 0.0% | |
| Dundee Bank | $185,000 | n/a | 0.0% | |
| FOUR POINTS | $185,000 | n/a | 0.0% | |
| Central National Bank | $165,000 | $180,000 | 9.1% | 0.0% |
| Springfield First Community Bank | $180,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $2,470,000 | $175,000 | -92.9% | 0.0% |
| KELLER MORTGAGE, LLC | $370,000 | $175,000 | -52.7% | 0.0% |
| Lindell Bank & Trust Company | $175,000 | n/a | 0.0% | |
| Associated Bank | $165,000 | n/a | 0.0% | |
| Manufacturers and Traders Trust Company | $260,000 | $165,000 | -36.5% | 0.0% |
| Renasant Bank | $165,000 | $165,000 | 0.0% | 0.0% |
| Sullivan Bank | $95,000 | $165,000 | 73.7% | 0.0% |
| The Nodaway Valley Bank | $165,000 | n/a | 0.0% | |
| Heritage Community Bank | $640,000 | $160,000 | -75.0% | 0.0% |
| ASSEMBLIES OF GOD Credit Union | $155,000 | n/a | 0.0% | |
| First Midwest Bank of Poplar Bluff | $485,000 | $155,000 | -68.0% | 0.0% |
| Ozarks Federal Savings and Loan Association | $155,000 | n/a | 0.0% | |
| TruHome Solutions, LLC | $155,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $155,000 | $150,000 | -3.2% | 0.0% |
| BancorpSouth Bank | $145,000 | n/a | 0.0% | |
| 1ST MIDAMERICA | $135,000 | $135,000 | 0.0% | 0.0% |
| Hickory Point Bank and Trust | $135,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $195,000 | $135,000 | -30.8% | 0.0% |
| BOKF | $125,000 | n/a | 0.0% | |
| Carrollton Bank | $65,000 | $125,000 | 92.3% | 0.0% |
| Bank of Washington | $95,000 | $115,000 | 21.1% | 0.0% |
| CITIZENS EQUITY FIRST | $115,000 | n/a | 0.0% | |
| Community National Bank & Trust | $145,000 | $115,000 | -20.7% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $335,000 | $115,000 | -65.7% | 0.0% |
| ZILLOW HOME LOANS, LLC | $135,000 | $115,000 | -14.8% | 0.0% |
| Alliance Bank | $105,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $105,000 | n/a | 0.0% | |
| Hometown Lenders, Inc. | $330,000 | $105,000 | -68.2% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $95,000 | n/a | 0.0% | |
| Southwest Missouri Bank | $95,000 | n/a | 0.0% | |
| UNIFY FINANCIAL Credit Union | $95,000 | n/a | 0.0% | |
| United Bank of Union | $95,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $45,000 | $95,000 | 111.1% | 0.0% |
| Discover Bank | $55,000 | $90,000 | 63.6% | 0.0% |
| The Huntington National Bank | $85,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $75,000 | n/a | 0.0% | |
| First State Bank of Campbell Hill | $75,000 | n/a | 0.0% | |
| NUMARK CREDIT UNION | $70,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $55,000 | n/a | 0.0% | |
| Centier Bank | $35,000 | n/a | 0.0% | |
| HomeBank | $665,000 | $25,000 | -96.2% | 0.0% |
| Figure Lending LLC | $15,000 | n/a | 0.0% |
JEFFERSON CITY's top lender by overall market share is The Central Trust Bank, with 26.8% market share. In second place, with 8.0%, is FLAT BRANCH MORTGAGE, INC., having originated $78,030,000 in loans. In third place, with 6.6%, is HOME POINT FINANCIAL CORPORATION, having originated $64,585,000 in loans. In third place, with 5.5%, is Hawthorn Bank, having originated $53,205,000 in loans. In third place, with 5.1%, is Mid America Bank, having originated $49,240,000 in loans.
JEFFERSON CITY, MO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,310 | $434,620,000 | $188,147 |
| Refi | 1,912 | $359,490,000 | $188,018 |
| Cash Out Refi | 959 | $162,635,000 | $169,588 |
| Home Improvement | 91 | $9,835,000 | $108,077 |
| Other | 63 | $6,435,000 | $102,143 |
| NA | 1 | $55,000 | $55,000 |
Jefferson City's most frequently cited loan purpose was Home Purchase, with 2,310 originations. The 2nd most popular reason was Refi, with 1,912 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,761 | $316,575,000 | $179,770 |
| 3-4% | 1,727 | $324,975,000 | $188,173 |
| <2.5% | 806 | $153,100,000 | $189,950 |
| 4-5% | 285 | $42,955,000 | $150,719 |
| 5-6% | 14 | $1,180,000 | $84,286 |
| 6-7% | 10 | $380,000 | $38,000 |
| Over 8% | 4 | $210,000 | $52,500 |
| 7-8% | 2 | $90,000 | $45,000 |
During 2021, Jefferson City's most frequently originated rate bucket was 2.5-3%, with 1,761 originations.
Loan Sizing (JEFFERSON CITY, MO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 2,698 | $390,890,000 | $144,881 |
| $200k-400k | 1,389 | $368,085,000 | $265,000 |
| $100,000 or less | 1,068 | $77,650,000 | $72,706 |
| $400k-600k | 150 | $70,560,000 | $470,400 |
| $Over $1MM | 18 | $56,400,000 | $3,133,333 |
| $600k-1000k | 13 | $9,485,000 | $729,615 |
JEFFERSON CITY's loan sizing saw the bucket of loans from $100k-200k with 2,698 originations, totaling $390,890,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,980 | $374,480,000 | $189,131 |
| 60-80% | 1,633 | $325,335,000 | $199,225 |
| 40-60% | 550 | $79,210,000 | $144,018 |
| 20-40% | 201 | $20,975,000 | $104,353 |
| Under 20% | 60 | $3,070,000 | $51,167 |
| Over 100% | 44 | $12,140,000 | $275,909 |
JEFFERSON CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,980 originations, totaling $374,480,000 in origination value.
Market Conditions (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 | $149,950 (15.8%) | $193,359 (14.5%) | 0.55 | 472 |
| 2018-02-01 | $161,200 (24.1%) | $201,302 (18.6%) | 0.58 | 447 |
| 2018-03-01 | $159,900 (21.2%) | $206,509 (19.6%) | 0.55 | 470 |
| 2018-04-01 | $174,900 (20.6%) | $219,651 (16.3%) | 0.59 | 500 |
| 2018-05-01 | $179,450 (19.7%) | $222,820 (14.7%) | 0.60 | 519 |
| 2018-06-01 | $186,900 (24.7%) | $230,948 (16.8%) | 0.62 | 537 |
| 2018-07-01 | $182,000 (22.2%) | $222,157 (12.5%) | 0.61 | 565 |
| 2018-08-01 | $177,450 (22.4%) | $208,583 (6.7%) | 0.59 | 618 |
| 2018-09-01 | $169,900 (13.3%) | $202,348 (2.2%) | 0.57 | 634 |
| 2018-10-01 | $164,900 (11.4%) | $194,505 (0.9%) | 0.55 | 642 |
| 2018-11-01 | $169,900 (14.8%) | $194,750 (2.7%) | 0.57 | 600 |
| 2018-12-01 | $169,900 (10.3%) | $197,888 (1.8%) | 0.58 | 569 |
| 2019-01-01 | $168,700 (12.5%) | $199,206 (3.0%) | 0.58 | 518 |
| 2019-02-01 | $159,450 (-1.1%) | $190,261 (-5.5%) | 0.53 | 521 |
| 2019-03-01 | $164,186 (2.7%) | $193,999 (-6.1%) | 0.54 | 494 |
| 2019-04-01 | $169,900 (-2.9%) | $198,564 (-9.6%) | 0.54 | 491 |
| 2019-05-01 | $173,200 (-3.5%) | $209,279 (-6.1%) | 0.53 | 511 |
| 2019-06-01 | $178,900 (-4.3%) | $216,899 (-6.1%) | 0.55 | 562 |
| 2019-07-01 | $182,400 (0.2%) | $219,500 (-1.2%) | 0.57 | 555 |
| 2019-08-01 | $177,800 (0.2%) | $218,887 (4.9%) | 0.56 | 531 |
| 2019-09-01 | $177,250 (4.3%) | $217,872 (7.7%) | 0.56 | 504 |
| 2019-10-01 | $177,400 (7.6%) | $210,829 (8.4%) | 0.57 | 557 |
| 2019-11-01 | $179,900 (5.9%) | $214,074 (9.9%) | 0.58 | 530 |
| 2019-12-01 | $184,900 (8.8%) | $212,907 (7.6%) | 0.62 | 479 |
| 2020-01-01 | $174,450 (3.4%) | $213,718 (7.3%) | 0.58 | 463 |
| 2020-02-01 | $174,900 (9.7%) | $217,749 (14.5%) | 0.56 | 444 |
| 2020-03-01 | $182,450 (11.1%) | $224,864 (15.9%) | 0.57 | 400 |
| 2020-04-01 | $196,450 (15.6%) | $228,769 (15.2%) | 0.61 | 385 |
| 2020-05-01 | $208,000 (20.1%) | $236,217 (12.9%) | 0.63 | 329 |
| 2020-06-01 | $202,425 (13.2%) | $239,836 (10.6%) | 0.59 | 325 |
| 2020-07-01 | $199,900 (9.6%) | $237,803 (8.3%) | 0.57 | 286 |
| 2020-08-01 | $199,900 (12.4%) | $240,138 (9.7%) | 0.57 | 258 |
| 2020-09-01 | $192,500 (8.6%) | $235,110 (7.9%) | 0.55 | 257 |
| 2020-10-01 | $174,900 (-1.4%) | $225,776 (7.1%) | 0.50 | 242 |
| 2020-11-01 | $189,900 (5.6%) | $234,529 (9.6%) | 0.54 | 239 |
| 2020-12-01 | $182,450 (-1.3%) | $233,079 (9.5%) | 0.54 | 247 |
| 2021-01-01 | $185,900 (6.6%) | $237,956 (11.3%) | 0.55 | 209 |
| 2021-02-01 | $175,000 (0.1%) | $227,972 (4.7%) | 0.50 | 146 |
| 2021-03-01 | $210,000 (15.1%) | $250,940 (11.6%) | 0.59 | 122 |
| 2021-04-01 | $200,000 (1.8%) | $254,007 (11.0%) | 0.54 | 138 |
| 2021-05-01 | $184,900 (-11.1%) | $238,777 (1.1%) | 0.49 | 132 |
| 2021-06-01 | $195,000 (-3.7%) | $259,865 (8.4%) | 0.51 | 147 |
| 2021-07-01 | $185,000 (-7.5%) | $249,691 (5.0%) | 0.48 | 171 |
| 2021-08-01 | $195,950 (-2.0%) | $262,699 (9.4%) | 0.52 | 184 |
| 2021-09-01 | $199,500 (3.6%) | $264,229 (12.4%) | 0.53 | 208 |
| 2021-10-01 | $179,900 (2.9%) | $256,746 (13.7%) | 0.47 | 200 |
| 2021-11-01 | $181,950 (-4.2%) | $290,189 (23.7%) | 0.48 | 197 |
| 2021-12-01 | $195,000 (6.9%) | $288,464 (23.8%) | 0.52 | 196 |
| 2022-01-01 | $181,900 (-2.2%) | $295,823 (24.3%) | 0.49 | 158 |
| 2022-02-01 | $203,700 (16.4%) | $310,773 (36.3%) | 0.52 | 154 |
| 2022-03-01 | $201,450 (-4.1%) | $309,216 (23.2%) | 0.50 | 149 |
| 2022-04-01 | $195,000 (-2.5%) | $310,908 (22.4%) | 0.46 | 166 |
JEFFERSON CITY's median listing price comes in at 46% of the national average.
JEFFERSON CITY's average listing price for 2022-04-01 was $310,908, a difference of $56,901 (22.4%) versus the prior year and $1,692 versus the prior month.
For the 2022-04-01 period, JEFFERSON CITY had 166 MLS listings, a difference of 17 listings (11%) versus the prior month and 28 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 | 86 days | 1,979 sqft |
| 2018-02-01 | 78 days | 2,004 sqft |
| 2018-03-01 | 58 days | 1,988 sqft |
| 2018-04-01 | 51 days | 2,055 sqft |
| 2018-05-01 | 53 days | 2,110 sqft |
| 2018-06-01 | 53 days | 2,100 sqft |
| 2018-07-01 | 56 days | 2,093 sqft |
| 2018-08-01 | 59 days | 2,019 sqft |
| 2018-09-01 | 60 days | 1,966 sqft |
| 2018-10-01 | 66 days | 1,946 sqft |
| 2018-11-01 | 72 days | 1,920 sqft |
| 2018-12-01 | 80 days | 1,872 sqft |
| 2019-01-01 | 88 days | 1,859 sqft |
| 2019-02-01 | 87 days | 1,805 sqft |
| 2019-03-01 | 64 days | 1,802 sqft |
| 2019-04-01 | 56 days | 1,836 sqft |
| 2019-05-01 | 45 days | 1,950 sqft |
| 2019-06-01 | 44 days | 2,038 sqft |
| 2019-07-01 | 58 days | 2,033 sqft |
| 2019-08-01 | 63 days | 1,989 sqft |
| 2019-09-01 | 59 days | 1,967 sqft |
| 2019-10-01 | 57 days | 1,980 sqft |
| 2019-11-01 | 65 days | 1,966 sqft |
| 2019-12-01 | 79 days | 1,973 sqft |
| 2020-01-01 | 85 days | 1,962 sqft |
| 2020-02-01 | 80 days | 1,986 sqft |
| 2020-03-01 | 62 days | 2,019 sqft |
| 2020-04-01 | 63 days | 2,082 sqft |
| 2020-05-01 | 64 days | 2,129 sqft |
| 2020-06-01 | 59 days | 2,007 sqft |
| 2020-07-01 | 58 days | 2,062 sqft |
| 2020-08-01 | 56 days | 2,037 sqft |
| 2020-09-01 | 39 days | 2,000 sqft |
| 2020-10-01 | 38 days | 1,830 sqft |
| 2020-11-01 | 40 days | 1,942 sqft |
| 2020-12-01 | 43 days | 1,842 sqft |
| 2021-01-01 | 56 days | 1,852 sqft |
| 2021-02-01 | 56 days | 1,770 sqft |
| 2021-03-01 | 34 days | 1,806 sqft |
| 2021-04-01 | 22 days | 1,960 sqft |
| 2021-05-01 | 22 days | 1,770 sqft |
| 2021-06-01 | 17 days | 1,878 sqft |
| 2021-07-01 | 20 days | 1,874 sqft |
| 2021-08-01 | 22 days | 1,907 sqft |
| 2021-09-01 | 24 days | 1,825 sqft |
| 2021-10-01 | 31 days | 1,669 sqft |
| 2021-11-01 | 34 days | 1,688 sqft |
| 2021-12-01 | 47 days | 1,830 sqft |
| 2022-01-01 | 59 days | 1,824 sqft |
| 2022-02-01 | 44 days | 1,803 sqft |
| 2022-03-01 | 36 days | 1,892 sqft |
| 2022-04-01 | 28 days | 1,850 sqft |
JEFFERSON CITY's median square footage for active listings during the 2022-04-01 period was 1,850 sqft. One year prior, the average listing was 1,960 sqft.
