JEFFERSON CITY Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Jefferson City averaged
7%
for the week of 2025-07-17, compared to the national average of
6.75% for the same period.
The average rate for the prior week (2025-07-10) was
6.57% and
one month ago for the week of 2025-06-12, the
average rate was 7.09%.
Jefferson City's average rate one year ago was 6.94%.
For refis of the same type during the week of 2025-07-17, the average rate
was 6.75%.
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.).
JEFFERSON CITY Average Closing Costs & Other Stats
JEFFERSON CITY, MO's 83 lenders originated 3,247
loans during 2024. The total origination value was $630,625,000, with an average loan value of
$194,218.
JEFFERSON CITY's average closing costs are $3,823.
The top JEFFERSON CITY lender as defined by loan originations is The Central Trust Bank, with
239 loans originated. Their average total fees are
$3,229, which is $299
lower than the next largest lender,
FLAT BRANCH MORTGAGE, INC..
The lowest fee JEFFERSON CITY lenders (with over 10 loans originated) are
First Mid Bank & Trust ($2,387), MISSOURI Credit Union ($2,411), Hawthorn Bank ($2,734), GERSHMAN INVESTMENT CORP. ($3,095) and The Central Trust Bank ($3,229).
The lowest rate JEFFERSON CITY lenders (with over 10 loans originated) are
DAS Acquisition Company, LLC (6.43%), Midwest Mortgage Associates Corporation (6.58%), U.S. Bank (6.60%), MISSOURI Credit Union (6.64%) and FLAT BRANCH MORTGAGE, INC. (6.69%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| The Central Trust Bank | $114,515,000 | $122,100,000 | 6.6% | 19.4% |
| FLAT BRANCH MORTGAGE, INC. | $76,255,000 | $102,430,000 | 34.3% | 16.2% |
| River Region Credit Union | $34,145,000 | $44,900,000 | 31.5% | 7.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $29,975,000 | $41,555,000 | 38.6% | 6.6% |
| Mid America Bank | $33,605,000 | $30,085,000 | -10.5% | 4.8% |
| Mortgage Research Center, LLC | $21,465,000 | $29,605,000 | 37.9% | 4.7% |
| QUICKEN LOANS, LLC | $14,755,000 | $20,470,000 | 38.7% | 3.2% |
| LEGENDS BANK | $17,425,000 | $17,025,000 | -2.3% | 2.7% |
| Hawthorn Bank | $26,940,000 | $10,970,000 | -59.3% | 1.7% |
| The Callaway Bank | $8,635,000 | $10,330,000 | 19.6% | 1.6% |
| TOWNE MORTGAGE COMPANY | $3,775,000 | $8,795,000 | 133.0% | 1.4% |
| MISSOURI Credit Union | $8,910,000 | $8,550,000 | -4.0% | 1.4% |
| Community Point Bank | $4,815,000 | $8,165,000 | 69.6% | 1.3% |
| DAS Acquisition Company, LLC | $10,820,000 | $7,560,000 | -30.1% | 1.2% |
| UNITED SECURITY BANK | $6,475,000 | $7,255,000 | 12.0% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $1,835,000 | $6,660,000 | 262.9% | 1.1% |
| GENEVA FINANCIAL, LLC | $530,000 | $6,070,000 | 1,045.3% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $2,900,000 | $5,980,000 | 106.2% | 0.9% |
| First State Community Bank | $6,935,000 | $5,385,000 | -22.4% | 0.9% |
| GERSHMAN INVESTMENT CORP. | $4,915,000 | $5,335,000 | 8.5% | 0.8% |
| Midwest Mortgage Associates Corporation | $5,740,000 | $5,105,000 | -11.1% | 0.8% |
| Alliant Bank | $4,650,000 | n/a | 0.7% | |
| U.S. Bank | $5,735,000 | $4,480,000 | -21.9% | 0.7% |
| Commerce Bank | $3,575,000 | $4,110,000 | 15.0% | 0.7% |
| First Mid Bank & Trust | $3,565,000 | $3,655,000 | 2.5% | 0.6% |
| Peoples Bank of Moniteau County | $2,810,000 | $3,590,000 | 27.8% | 0.6% |
| Sullivan Bank | $3,535,000 | n/a | 0.6% | |
| NAVY FEDERAL CREDIT UNION | $3,155,000 | $3,475,000 | 10.1% | 0.6% |
| The Maries County Bank | $780,000 | $2,935,000 | 276.3% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $265,000 | $2,880,000 | 986.8% | 0.5% |
| The Tipton Latham Bank | $3,875,000 | $2,870,000 | -25.9% | 0.5% |
| Regions Bank | $3,090,000 | $2,600,000 | -15.9% | 0.4% |
| Bell Bank | $2,035,000 | $2,535,000 | 24.6% | 0.4% |
| Community National Bank & Trust | $2,375,000 | n/a | 0.4% | |
| ENDEAVOR CAPITAL, LLC. | $1,095,000 | $2,335,000 | 113.2% | 0.4% |
| NEWREZ LLC | $650,000 | $2,285,000 | 251.5% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $350,000 | $2,245,000 | 541.4% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $90,000 | $2,110,000 | 2,244.4% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $950,000 | $1,955,000 | 105.8% | 0.3% |
| Wood & Huston Bank | $320,000 | $1,765,000 | 451.6% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $165,000 | $1,735,000 | 951.5% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $515,000 | $1,700,000 | 230.1% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,295,000 | $1,615,000 | 24.7% | 0.3% |
| Heritage Community Bank | $765,000 | $1,555,000 | 103.3% | 0.2% |
| PLANET HOME LENDING, LLC | $880,000 | $1,460,000 | 65.9% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $1,450,000 | n/a | 0.2% | |
| Great Southern Bank | $800,000 | $1,440,000 | 80.0% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $495,000 | $1,370,000 | 176.8% | 0.2% |
| NEW DAY FINANCIAL, LLC | $640,000 | $1,340,000 | 109.4% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,440,000 | $1,330,000 | -45.5% | 0.2% |
| LOANDEPOT.COM, LLC | $3,000,000 | $1,265,000 | -57.8% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,050,000 | $1,230,000 | 17.1% | 0.2% |
| BTC BANK | $190,000 | $1,125,000 | 492.1% | 0.2% |
| GUARANTEED RATE, INC. | $1,295,000 | $1,090,000 | -15.8% | 0.2% |
| GUILD MORTGAGE COMPANY | $1,390,000 | $1,055,000 | -24.1% | 0.2% |
| Arvest Bank | $130,000 | $1,050,000 | 707.7% | 0.2% |
| People's Savings Bank of Rhineland | $525,000 | $1,030,000 | 96.2% | 0.2% |
| CONSERVATION EMP. CREDIT UNION | $430,000 | $995,000 | 131.4% | 0.2% |
| Ixonia Bank | $980,000 | n/a | 0.2% | |
| The Federal Savings Bank | $705,000 | $950,000 | 34.8% | 0.2% |
| Mid-Continent Funding, Inc. | $760,000 | $920,000 | 21.1% | 0.1% |
| Carrington Mortgage Services, LLC | $2,530,000 | $900,000 | -64.4% | 0.1% |
| Equity Prime Mortgage LLC | $900,000 | n/a | 0.1% | |
| Exchange Bank of Missouri | $3,110,000 | $900,000 | -71.1% | 0.1% |
| The Bank of Missouri | $1,100,000 | $820,000 | -25.5% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $175,000 | $800,000 | 357.1% | 0.1% |
| Discover Bank | $475,000 | $755,000 | 58.9% | 0.1% |
| Wells Fargo Bank | $1,545,000 | $730,000 | -52.8% | 0.1% |
| COMMERCIAL TRUST COMPANY OF FAYETTE | $125,000 | $720,000 | 476.0% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $715,000 | n/a | 0.1% | |
| THOMPSON KANE & COMPANY, LLC | $715,000 | n/a | 0.1% | |
| Truist | $420,000 | $700,000 | 66.7% | 0.1% |
| Farm Credit Mid-America, ACA | $690,000 | n/a | 0.1% | |
| CMG MORTGAGE, INC. | $2,425,000 | $680,000 | -72.0% | 0.1% |
| ZILLOW HOME LOANS, LLC | $665,000 | n/a | 0.1% | |
| FIRST COMMUNITY | $650,000 | n/a | 0.1% | |
| WEST COMMUNITY | $350,000 | $640,000 | 82.9% | 0.1% |
| PEOPLES BANK & TRUST CO. | $255,000 | $635,000 | 149.0% | 0.1% |
| Simmons Bank | $440,000 | $630,000 | 43.2% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,305,000 | $625,000 | -52.1% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $135,000 | $620,000 | 359.3% | 0.1% |
| Cornerstone First Mortgage, Inc | $610,000 | n/a | 0.1% | |
| Figure Lending LLC | $130,000 | $605,000 | 365.4% | 0.1% |
| MISSOURI ELECTRIC COOPERATIVES EMPL | $1,095,000 | $605,000 | -44.7% | 0.1% |
| First Bank | $135,000 | $590,000 | 337.0% | 0.1% |
| The Bank of Old Monroe | $245,000 | $590,000 | 140.8% | 0.1% |
| USAA Federal Savings Bank | $680,000 | $570,000 | -16.2% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $545,000 | $535,000 | -1.8% | 0.1% |
| Servion, Inc. | $135,000 | $535,000 | 296.3% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $390,000 | $530,000 | 35.9% | 0.1% |
| LOANPAL, LLC | $175,000 | $505,000 | 188.6% | 0.1% |
| PREMIA MORTGAGE, LLC | $500,000 | n/a | 0.1% | |
| Bank of America | $560,000 | $490,000 | -12.5% | 0.1% |
| IOWA BANKERS MORTGAGE CORPORATION | $485,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $175,000 | $480,000 | 174.3% | 0.1% |
| First Federal Bank | $475,000 | n/a | 0.1% | |
| JPMorgan Chase Bank | $1,085,000 | $470,000 | -56.7% | 0.1% |
| Charles Schwab Bank, SSB | $465,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $1,575,000 | $465,000 | -70.5% | 0.1% |
| AMERICAN FINANCING CORPORATION | $290,000 | $455,000 | 56.9% | 0.1% |
| BankPlus | $425,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $625,000 | $425,000 | -32.0% | 0.1% |
| HNB National Bank | $260,000 | $415,000 | 59.6% | 0.1% |
| CARDINAL FINANCIAL | $225,000 | $410,000 | 82.2% | 0.1% |
| PNC Bank | $1,310,000 | $395,000 | -69.8% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $390,000 | n/a | 0.1% | |
| United Credit Union | $565,000 | $380,000 | -32.7% | 0.1% |
| Mortgage Investment Services Corporation | $385,000 | $375,000 | -2.6% | 0.1% |
| Texana Bank | $375,000 | n/a | 0.1% | |
| Citibank | $355,000 | n/a | 0.1% | |
| United Community Bank | $350,000 | n/a | 0.1% | |
| TruHome Solutions, LLC | $345,000 | n/a | 0.1% | |
| Mazuma Credit Union | $340,000 | n/a | 0.1% | |
| Stride Bank | $335,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $330,000 | n/a | 0.1% | |
| Ally Bank | $325,000 | n/a | 0.1% | |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | $325,000 | n/a | 0.1% | |
| JONESBURG STATE BANK | $615,000 | $325,000 | -47.2% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $315,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $305,000 | n/a | 0.0% | |
| Iroquois Federal Savings and Loan Association | $305,000 | n/a | 0.0% | |
| NBKC BANK | $990,000 | $295,000 | -70.2% | 0.0% |
| Wells Bank | $620,000 | $295,000 | -52.4% | 0.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $290,000 | n/a | 0.0% | |
| Members Mortgage Services, L.L.C. | $305,000 | $285,000 | -6.6% | 0.0% |
| MORTGAGE SOLUTIONS LLC | $275,000 | n/a | 0.0% | |
| Oakstar Bank | $275,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $270,000 | n/a | 0.0% | |
| First Bankers Trust Company | $265,000 | n/a | 0.0% | |
| Old Missouri Bank | $265,000 | n/a | 0.0% | |
| FIRST INTEGRITY MORTGAGE SERVICES, INC. | $235,000 | $255,000 | 8.5% | 0.0% |
| Morgan Stanley Private Bank | $125,000 | $255,000 | 104.0% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $75,000 | $255,000 | 240.0% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $245,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $245,000 | n/a | 0.0% | |
| ON Q FINANCIAL, INC. | $840,000 | $245,000 | -70.8% | 0.0% |
| SIRVA MORTGAGE, INC. | $245,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $245,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $675,000 | $240,000 | -64.4% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $185,000 | $235,000 | 27.0% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $225,000 | n/a | 0.0% | |
| Bank of Springfield | $225,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $215,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $480,000 | $215,000 | -55.2% | 0.0% |
| Midwest Regional Bank | $210,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $205,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $200,000 | $200,000 | 0.0% | 0.0% |
| OPEN MORTGAGE, LLC | $200,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL NETWORK, INC. | $175,000 | $195,000 | 11.4% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $125,000 | $190,000 | 52.0% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $185,000 | n/a | 0.0% | |
| Magnolia Bank | $185,000 | n/a | 0.0% | |
| The Missouri Bank | $205,000 | $185,000 | -9.8% | 0.0% |
| Presidential Bank, FSB | $165,000 | n/a | 0.0% | |
| HomeBank | $150,000 | n/a | 0.0% | |
| 1ST MIDAMERICA | $145,000 | n/a | 0.0% | |
| Montgomery Bank | $75,000 | $145,000 | 93.3% | 0.0% |
| RESIDENTIAL BANCORP | $140,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $260,000 | $135,000 | -48.1% | 0.0% |
| Carrollton Bank | $135,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $130,000 | $135,000 | 3.8% | 0.0% |
| AmeriHome Mortgage Company, LLC | $325,000 | $125,000 | -61.5% | 0.0% |
| UMB Bank | $450,000 | $125,000 | -72.2% | 0.0% |
| M&T Bank | $430,000 | $115,000 | -73.3% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $70,000 | $115,000 | 64.3% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $75,000 | $95,000 | 26.7% | 0.0% |
| Fidelity Bank | $75,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $65,000 | n/a | 0.0% | |
| Southern Bank | $115,000 | $65,000 | -43.5% | 0.0% |
| TOGETHER CREDIT UNION | $45,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $25,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $25,000 | n/a | 0.0% |
JEFFERSON CITY's top lender by overall market share is The Central Trust Bank, with 19.4% market share. In second place, with 16.2%, is FLAT BRANCH MORTGAGE, INC., having originated $102,430,000 in loans. In third place, with 7.1%, is River Region Credit Union, having originated $44,900,000 in loans. In fourth place, with 6.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $41,555,000 in loans. In fifth place, with 4.8%, is Mid America Bank, having originated $30,085,000 in loans.
JEFFERSON CITY, MO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,831 | $432,165,000 | $236,027 |
| Cash Out Refi | 419 | $62,315,000 | $148,723 |
| Refi | 410 | $91,110,000 | $222,220 |
| Other | 358 | $27,170,000 | $75,894 |
| Home Improvement | 229 | $17,865,000 | $78,013 |
Jefferson City's most frequently cited loan purpose was Home Purchase, with 1,831 originations. The 2nd most popular reason was Cash Out Refi, with 419 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,054 | $245,560,000 | $232,979 |
| 5-6% | 526 | $84,760,000 | $161,141 |
| 7-8% | 506 | $112,100,000 | $221,542 |
| Over 8% | 343 | $38,885,000 | $113,367 |
| 4-5% | 18 | $5,100,000 | $283,333 |
| <2.5% | 18 | $90,000 | $5,000 |
| 2.5-3% | 11 | $1,455,000 | $132,273 |
During 2024, Jefferson City's most frequently originated rate bucket was 6-7%, with 1,054 originations.
Loan Sizing (JEFFERSON CITY, MO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,062 | $286,910,000 | $270,160 |
| $100k-200k | 1,049 | $157,875,000 | $150,500 |
| $100,000 or less | 900 | $50,260,000 | $55,844 |
| $400k-600k | 185 | $87,215,000 | $471,432 |
| $600k-1000k | 41 | $28,405,000 | $692,805 |
| $Over $1MM | 10 | $19,960,000 | $1,996,000 |
JEFFERSON CITY's loan sizing saw the bucket of loans from $200k-400k with 1,062 originations, totaling $286,910,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,047 | $255,405,000 | $243,940 |
| 60-80% | 482 | $113,400,000 | $235,270 |
| Under 20% | 325 | $17,305,000 | $53,246 |
| 20-40% | 306 | $30,020,000 | $98,105 |
| 40-60% | 219 | $42,435,000 | $193,767 |
| Over 100% | 44 | $15,380,000 | $349,545 |
JEFFERSON CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,047 originations, totaling $255,405,000 in origination value.