JEFFERSON CITY Mortgage Rates

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

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%
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 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
The Central Trust Bank 609 3.24% $2,419
FLAT BRANCH MORTGAGE, INC. 202 3.23% $2,572
HOME POINT FINANCIAL CORPORATION 191 3.01% $3,803
Hawthorn Bank 115 2.97% $2,054
MISSOURI Credit Union 72 3.01% $1,905
DAS Acquisition Company, LLC 66 3.30% $3,050
QUICKEN LOANS, LLC 66 3.21% $4,574
The Callaway Bank 57 3.23% $1,683
GERSHMAN INVESTMENT CORP. 57 3.19% $2,022
Midwest Mortgage Associates Corporation 25 3.21% $4,289
U.S. Bank 21 3.18% $2,539
Regions Bank 19 3.30% $2,492
COMMUNITY MORTGAGE, LLC 17 3.09% $2,433
Commerce Bank 16 3.45% $2,391
UNITED WHOLESALE MORTGAGE, LLC 14 2.94% $2,599
CMG MORTGAGE, INC. 14 3.41% $4,867
Mortgage Research Center, LLC 12 2.90% $1,762
LOANDEPOT.COM, LLC 12 3.02% $4,902
Wells Fargo Bank 9 3.13% $2,799
PENNYMAC LOAN SERVICES, LLC 9 3.28% $4,334
AMERISAVE MORTGAGE CORPORATION 7 3.27% $4,769
CRESCENT MORTGAGE COMPANY 7 2.96% $2,310
CALIBER HOME LOANS, INC. 6 3.19% $3,107
First Mid Bank & Trust 6 3.15% $1,862
BETTER MORTGAGE CORPORATION 6 2.90% $3,452
Providence Bank 6 2.56% $2,119
NAVY FEDERAL CREDIT UNION 5 3.40% $2,803
BROKER SOLUTIONS, INC. 5 3.35% $3,489
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 3.10% $2,764
Bell Bank 5 3.25% $2,344
GUILD MORTGAGE COMPANY 5 3.30% $2,417
Flagstar Bank, FSB 5 3.02% $3,646
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 3.34% $2,765
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 4 3.12% $2,716
The Bank of Missouri 4 3.28% $2,085
Simmons Bank 4 3.28% $2,228
UNION HOME MORTGAGE CORP. 4 3.44% $2,974
WEST COMMUNITY 4 3.00% $2,351
Mr. Cooper ( Nationstar Mortgage ) 4 3.09% $5,265
MISSOURI ELECTRIC COOPERATIVES EMPL 4 3.25% $1,829
UMB Bank 3 3.17% $2,188
MORTGAGE SOLUTIONS LLC 3 3.08% $3,751
FREEDOM MORTGAGE CORPORATION 3 3.42% $2,048
Carrington Mortgage Services, LLC 3 3.54% $3,147
Wood & Huston Bank 3 3.33% $1,887
ENDEAVOR CAPITAL, LLC. 3 3.29% $4,417
First State Community Bank 3 3.38% $2,395
Arvest Bank 3 3.17% $3,656
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.25% $4,126
Capitol Federal Savings Bank 2 2.94% $1,786
AMERICAN FINANCING CORPORATION 2 3.06% $3,360
AMERICAN PACIFIC MORTGAGE CORPORATION 2 3.31% $3,396
CHURCHILL MORTGAGE CORPORATION 2 3.38% $2,820
Community Mortgage Banc Corporation 2 3.49% $2,143
First Bank 2 3.00% $3,165
FIRST COMMUNITY 2 3.50% $1,396
First State Bank of St. Charles, Missouri 2 2.94% $6,009
InterContinental Capital Group, Inc 2 3.13% $3,786
MOVEMENT MORTGAGE, LLC 2 3.18% $2,422
ON Q FINANCIAL, INC. 2 3.37% $4,970
Servion, Inc. 2 3.19% $2,630
Stifel Bank and Trust 2 2.81% $1,618
HOMESIDE FINANCIAL, LLC 1 2.75% $5,308
I. H. MISSISSIPPI VALLEY CREDIT UNION 1 2.25% $1,942
Bank of Washington 1 3.13% $1,889
IOWA BANKERS MORTGAGE CORPORATION 1 3.00% $2,464
Ixonia Bank 1 3.63% $5,879
JPMorgan Chase Bank 1 2.88% $2,649
KELLER MORTGAGE, LLC 1 3.00% $1,235
LEADERONE FINANCIAL CORPORATION 1 3.13% $5,708
GENEVA FINANCIAL, LLC 1 3.50% $3,153
Manufacturers and Traders Trust Company 1 3.88% $3,135
Mid-Continent Funding, Inc. 1 3.13% $2,560
Gateway First Bank 1 3.50% $4,014
FRONTIER FINANCIAL, INC. 1 2.88% $2,802
First Midwest Bank 1 2.88% $2,870
FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 2.50% $2,747
First Home Bank 1 3.12% $6,989
Bank of England 1 3.00% $3,417
First Guaranty Mortgage Corporation 1 3.00% $2,900
First Federal Bank 1 4.00% $5,592
FIRST COMMUNITY MORTGAGE, INC. 1 2.88% $1,831
NEWREZ LLC 1 3.88% $2,293
Northpointe Bank 1 2.88% $3,462
Ally Bank 1 3.25% $1,225
Ozarks Federal Savings and Loan Association 1 3.00% $1,593
Paramount Residential Mortgage Group, Inc. 1 3.50% $4,507
EVANSVILLE TEACHERS 1 3.88% $1,956
Peoples National Bank , N.A. 1 3.75% $2,654
Plains Commerce Bank 1 3.75% $2,560
PLAZA HOME MORTGAGE, INC. 1 3.63% $3,274
Equity Bank 1 2.75% $2,743
CONSUMERS COOPERATIVE CREDIT UNION 1 3.25% $1,793
Community National Bank & Trust 1 3.13% $1,985
Citizens Bank 1 3.13% $2,679
Renasant Bank 1 2.63% $2,676
RUOFF MORTGAGE COMPANY, INC. 1 3.25% $1,593
Wyndham Capital Mortgage, Inc. 1 3.63% $2,352
Citibank 1 2.63% $3,082
Springfield First Community Bank 1 2.50% $1,715
ZILLOW HOME LOANS, LLC 1 3.63% $3,080
Sullivan Bank 1 3.00% $1,650
Central National Bank 1 3.38% $1,819
CELEBRITY HOME LOANS, LLC 1 3.50% $2,946
Carrollton Bank 1 2.88% $1,960
The Huntington National Bank 1 2.88% $3,809
THOMPSON KANE & COMPANY, LLC 1 2.88% $1,999
TIAA, FSB 1 2.50% $483
TOP FLITE FINANCIAL, INC. 1 2.88% $6,246
Triumph Bank 1 2.75% $1,916
TruHome Solutions, LLC 1 3.38% $2,677
1ST MIDAMERICA 1 3.50% $4,678
UNIFY FINANCIAL Credit Union 1 3.20% $1,267
CapGrow Home Mortgage, LLC 1 3.13% $2,280
BOKF 1 2.88% $1,916
USAA Federal Savings Bank 1 3.38% $2,216
Baxter Credit Union 1 2.88% $1,914
GUIDANCE RESIDENTIAL, LLC 1 3.25% $2,175
GUARANTY HOME MORTGAGE CORPORATION 1 2.88% $6,013
Guaranty Bank 1 3.00% $3,174
Hickory Point Bank and Trust 1 2.75% $2,423
Great Southern Bank 1 2.88% $1,946

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 for 2022-04-01 was $195,000, a difference of $-5,000 (-2.5%) versus the prior year and $-6,450 versus the prior month.

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 listing age (time on market) for 2022-04-01 was 28 days. This is 30% longer than the same period one year ago.

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.