JOPLIN Mortgage Rates

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

30 Year Fixed Rate mortgages in Joplin averaged 5.7% 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 5.67% and one month ago for the week of 2022-04-07, the average rate was 4.92%.

Joplin's average rate one year ago was 3.22%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.46%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Joplin 30 Year Fixed Rate 2022-05-12 5.7%
Joplin 30 Year Fixed Rate Refi 2022-05-12 5.46%
Joplin 15 Year Fixed Rate 2022-05-12 4.94%
Joplin 15 Year Fixed Rate Refi 2022-05-12 4.83%
Joplin 30 Year FHA 2022-05-12 5.19%
Joplin 30 Year FHA Refi 2022-05-12 5.48%
Joplin 30 Year USDA 2022-05-12 5.55%
Joplin 30 Year USDA Refi 2022-05-12 5.4%
Joplin 30 Year VA 2022-05-12 5.63%
Joplin 30 Year VA Refi 2022-05-12 4.97%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within JOPLIN, MO.

JOPLIN 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 JOPLIN, 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
FLAT BRANCH MORTGAGE, INC. 796 3.19% $2,601
Southwest Missouri Bank 282 3.41% $2,060
Arvest Bank 243 3.17% $2,585
QUICKEN LOANS, LLC 181 3.18% $4,493
U.S. Bank 115 3.12% $2,271
Gateway First Bank 83 3.26% $2,142
Guaranty Bank 79 2.98% $2,637
FirstTrust Home Loans, Inc. 72 3.26% $2,878
First Community Bank 58 3.16% $4,747
DAS Acquisition Company, LLC 38 3.15% $3,021
Pinnacle Bank 32 2.87% $2,439
Wells Fargo Bank 30 3.30% $2,441
LOANDEPOT.COM, LLC 30 3.27% $4,270
Great Southern Bank 25 3.27% $2,431
FREEDOM MORTGAGE CORPORATION 21 3.07% $3,258
TOWNE MORTGAGE COMPANY 20 3.40% $3,471
Northpointe Bank 19 3.04% $2,823
Mr. Cooper ( Nationstar Mortgage ) 17 3.61% $3,707
GERSHMAN INVESTMENT CORP. 17 3.40% $2,439
Oakstar Bank 16 2.82% $2,544
BETTER MORTGAGE CORPORATION 14 2.99% $2,773
Commerce Bank 14 3.29% $2,399
PENNYMAC LOAN SERVICES, LLC 13 3.07% $2,968
Simmons Bank 11 3.11% $2,458
CALIBER HOME LOANS, INC. 11 3.31% $3,001
Flagstar Bank, FSB 10 3.08% $3,228
Servion, Inc. 10 3.06% $2,715
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 3.30% $3,294
Citizens Bank 9 3.18% $1,918
NAVY FEDERAL CREDIT UNION 8 3.50% $3,016
UNITED WHOLESALE MORTGAGE, LLC 8 2.96% $3,249
Community National Bank & Trust 7 3.45% $2,884
Midwest Mortgage Associates Corporation 7 3.16% $4,440
AMERISAVE MORTGAGE CORPORATION 7 2.82% $4,731
ASSEMBLIES OF GOD Credit Union 6 3.21% $2,260
HOMESIDE FINANCIAL, LLC 6 3.17% $3,873
LOANPAL, LLC 6 3.31% $4,453
CHURCHILL MORTGAGE CORPORATION 6 3.46% $2,963
NEWREZ LLC 6 3.44% $3,027
Mortgage Research Center, LLC 6 3.21% $3,455
Prosperity Home Mortgage, LLC 5 2.98% $2,543
First Guaranty Mortgage Corporation 5 3.05% $2,715
NBKC BANK 5 2.90% $2,838
AMERICAN FINANCING CORPORATION 5 3.17% $4,254
BROKER SOLUTIONS, INC. 5 3.45% $3,763
JPMorgan Chase Bank 5 3.15% $2,357
Bank of America 5 3.20% $2,801
Mortgage Investment Services Corporation 5 3.35% $1,790
UMB Bank 4 3.08% $2,191
ROYAL UNITED MORTGAGE LLC 4 3.38% $5,420
COMMUNITYAMERICA 4 3.25% $2,331
Carrington Mortgage Services, LLC 4 3.44% $4,914
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 3.13% $3,152
ENDEAVOR CAPITAL, LLC. 4 3.19% $4,460
Springfield First Community Bank 3 2.79% $2,707
North American Savings Bank, F.S.B. 3 3.46% $1,670
LAND HOME FINANCIAL SERVICES, INC. 3 3.21% $2,768
BancorpSouth Bank 3 3.46% $1,835
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3 3.29% $2,957
GUILD MORTGAGE COMPANY 3 3.25% $3,039
Flanagan State Bank 3 3.38% $3,184
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.67% $4,194
Stifel Bank and Trust 3 2.88% $1,768
The Central Trust Bank 2 2.93% $3,116
BOKF 2 3.63% $3,167
Capitol Federal Savings Bank 2 3.00% $2,516
CORNERSTONE HOME LENDING, INC. 2 3.00% $3,744
DELMAR FINANCIAL COMPANY 2 3.56% $907
Equity Bank 2 2.88% $2,802
FCS Financial FLCA 2 3.53% $5,523
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 3.44% $2,895
HOME POINT FINANCIAL CORPORATION 2 2.81% $3,704
MID AMERICA MORTGAGE, INC. 2 3.13% $4,985
Renasant Bank 2 2.69% $2,384
RUOFF MORTGAGE COMPANY, INC. 2 2.94% $1,592
SIRVA MORTGAGE, INC. 2 2.88% $652
TIB The Independent Bankersbank 2 2.81% $3,201
UNIFY FINANCIAL Credit Union 2 3.46% $1,510
UNITED 2 3.06% $2,337
USAA Federal Savings Bank 2 3.25% $2,843
MOVEMENT MORTGAGE, LLC 1 2.69% $3,038
GSF Mortgage Corporation 1 3.88% $3,161
F & M Bank 1 2.88% $3,616
First Western Trust Bank 1 2.88% $2,743
First State Bank of St. Charles, Missouri 1 2.63% $3,390
First Savings Bank 1 2.88% $6,078
First National Bank of America 1 7.38% $17,824
First Mid Bank & Trust 1 2.75% $2,225
First Internet Bank of Indiana 1 2.99% $1,896
OPEN MORTGAGE, LLC 1 3.38% $5,084
First Home Bank 1 3.38% $8,645
PENTAGON FEDERAL CREDIT UNION 1 2.63% $3,932
PHH Mortgage Corporation 1 4.88% $4,803
First Bank 1 3.25% $3,351
PNC Bank 1 3.00% $3,244
PREMIA MORTGAGE, LLC 1 2.88% $55
Fidelity Bank 1 3.25% $5,850
EVERETT FINANCIAL, INC. 1 3.38% $1,661
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.75% $2,640
Discover Bank 1 5.75% $0
RBC Bank, (Georgia) 1 3.38% $1,899
Barrington Bank & Trust Company, N.A. 1 5.13% $2,388
Deere Employees Credit Union 1 2.88% $2,993
Wyndham Capital Mortgage, Inc. 1 3.13% $620
S1L, Inc. 1 2.75% $2,973
COMMUNITY MORTGAGE, LLC 1 2.88% $1,902
Sierra Pacific Mortgage Company, Inc. 1 2.88% $2,833
Colonial Savings, F.A. 1 3.38% $2,624
AmeriHome Mortgage Company, LLC 1 3.25% $3,374
SKYONE Federal Credit Union 1 3.25% $2,290
Citibank 1 3.63% $2,582
Charles Schwab Bank, SSB 1 2.13% $2,626
BNC National Bank 1 2.63% $2,702
TCF National Bank 1 2.75% $3,365
The Bank of Missouri 1 3.25% $2,203
Ally Bank 1 3.13% $3,276
The Union Bank Company 1 2.88% $3,923
U S WIDE FINANCIAL LLC 1 3.00% $1,499
BLACK HILLS FEDERAL CREDIT UNION 1 2.75% $5,753
Triumph Bank 1 2.75% $2,790
Truist Bank 1 2.90% $3,153
Truity Federal Credit Union 1 2.88% $1,947
Bell Bank 1 2.99% $2,482
American Bank of Oklahoma 1 2.88% $2,785
LEADERONE FINANCIAL CORPORATION 1 3.37% $3,312
KELLER MORTGAGE, LLC 1 3.13% $1,291
JLB CORPORATION 1 2.75% $7,162
Magnolia Bank 1 3.13% $2,845
West Gate Bank 1 3.63% $2,201
HOMESTAR FINANCIAL CORPORATION 1 2.75% $3,860
Hawthorn Bank 1 2.75% $2,675
GUARANTEED RATE, INC. 1 3.25% $4,343

JOPLIN, MO's 132 lenders originated 6,781 loans during 2021. The total origination value was $1,117,875,000, with an average loan value of $164,854.

The top JOPLIN lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 796 loans originated. Their average total fees are $2,601, which is $541 higher than the next largest lender, Southwest Missouri Bank.

The lowest fee JOPLIN lenders (with over 10 loans originated) are Southwest Missouri Bank ($2,060), Gateway First Bank ($2,142), U.S. Bank ($2,271), Commerce Bank ($2,399) and Great Southern Bank ($2,431).

The lowest rate JOPLIN lenders (with over 10 loans originated) are Oakstar Bank (2.82%), Pinnacle Bank (2.87%), Guaranty Bank (2.98%), BETTER MORTGAGE CORPORATION (2.99%) and Northpointe Bank (3.04%).

JOPLIN, 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
FLAT BRANCH MORTGAGE, INC. $229,950,000 $260,315,000 13.2% 23.3%
Southwest Missouri Bank $93,205,000 $85,465,000 -8.3% 7.6%
Arvest Bank $95,855,000 $84,935,000 -11.4% 7.6%
QUICKEN LOANS, LLC $48,945,000 $69,635,000 42.3% 6.2%
People's Bank of Seneca $40,600,000 $52,115,000 28.4% 4.7%
Guaranty Bank $40,165,000 $46,100,000 14.8% 4.1%
U.S. Bank $41,230,000 $38,940,000 -5.6% 3.5%
First Community Bank $26,805,000 $33,745,000 25.9% 3.0%
Community Bank and Trust $37,935,000 $31,455,000 -17.1% 2.8%
Gateway First Bank $21,420,000 $24,585,000 14.8% 2.2%
FREEDOM MORTGAGE CORPORATION $24,035,000 $22,635,000 -5.8% 2.0%
FirstTrust Home Loans, Inc. $10,525,000 $22,480,000 113.6% 2.0%
Pinnacle Bank $16,920,000 $18,420,000 8.9% 1.6%
Simmons Bank $7,945,000 $16,585,000 108.7% 1.5%
Oakstar Bank $22,465,000 $15,965,000 -28.9% 1.4%
Commerce Bank $9,385,000 $14,560,000 55.1% 1.3%
DAS Acquisition Company, LLC $8,180,000 $14,095,000 72.3% 1.3%
Springfield First Community Bank $850,000 $14,050,000 1,552.9% 1.3%
Mortgage Research Center, LLC $8,890,000 $13,780,000 55.0% 1.2%
Wells Fargo Bank $8,625,000 $11,730,000 36.0% 1.0%
LOANDEPOT.COM, LLC $6,690,000 $10,690,000 59.8% 1.0%
PENNYMAC LOAN SERVICES, LLC $4,885,000 $10,175,000 108.3% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $3,945,000 $7,080,000 79.5% 0.6%
TOWNE MORTGAGE COMPANY $2,855,000 $6,585,000 130.6% 0.6%
Great Southern Bank $5,655,000 $6,575,000 16.3% 0.6%
Mid-Missouri Bank $12,475,000 $6,190,000 -50.4% 0.6%
GERSHMAN INVESTMENT CORP. $630,000 $5,485,000 770.6% 0.5%
Community National Bank & Trust $5,065,000 $5,455,000 7.7% 0.5%
Northpointe Bank $2,285,000 $5,080,000 122.3% 0.5%
AMERISAVE MORTGAGE CORPORATION $3,295,000 $4,905,000 48.9% 0.4%
BETTER MORTGAGE CORPORATION $425,000 $4,810,000 1,031.8% 0.4%
CALIBER HOME LOANS, INC. $3,630,000 $4,680,000 28.9% 0.4%
NEW DAY FINANCIAL, LLC $4,250,000 $4,590,000 8.0% 0.4%
BROKER SOLUTIONS, INC. $2,710,000 $4,330,000 59.8% 0.4%
USAA Federal Savings Bank $2,565,000 $4,145,000 61.6% 0.4%
Servion, Inc. $1,015,000 $3,945,000 288.7% 0.4%
NAVY FEDERAL CREDIT UNION $2,415,000 $3,795,000 57.1% 0.3%
The Central Trust Bank $3,550,000 n/a 0.3%
Flagstar Bank, FSB $5,835,000 $3,435,000 -41.1% 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,860,000 $3,395,000 82.5% 0.3%
Old Missouri Bank $2,700,000 $3,210,000 18.9% 0.3%
UNITED WHOLESALE MORTGAGE, LLC $1,690,000 $3,045,000 80.2% 0.3%
Midwest Mortgage Associates Corporation $145,000 $2,955,000 1,937.9% 0.3%
FirstBank $2,860,000 n/a 0.3%
NEWREZ LLC $1,635,000 $2,535,000 55.0% 0.2%
First Guaranty Mortgage Corporation $1,715,000 $2,380,000 38.8% 0.2%
Citizens Bank $135,000 $2,330,000 1,625.9% 0.2%
KS StateBank $2,305,000 n/a 0.2%
LAKEVIEW LOAN SERVICING, LLC $3,005,000 $2,305,000 -23.3% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $1,675,000 $2,260,000 34.9% 0.2%
CHURCHILL MORTGAGE CORPORATION $500,000 $2,250,000 350.0% 0.2%
ORIX REAL ESTATE CAPITAL, LLC $2,175,000 n/a 0.2%
Carrington Mortgage Services, LLC $1,140,000 $2,105,000 84.6% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,770,000 $2,005,000 -27.6% 0.2%
UMB Bank $3,355,000 $2,000,000 -40.4% 0.2%
NBKC BANK $405,000 $1,860,000 359.3% 0.2%
Stifel Bank and Trust $1,805,000 n/a 0.2%
HOME POINT FINANCIAL CORPORATION $760,000 $1,785,000 134.9% 0.2%
Bank of America $1,225,000 $1,765,000 44.1% 0.2%
Barrington Bank & Trust Company, N.A. $1,155,000 $1,745,000 51.1% 0.2%
Mortgage Investment Services Corporation $520,000 $1,715,000 229.8% 0.2%
HOMESIDE FINANCIAL, LLC $355,000 $1,660,000 367.6% 0.1%
COMMUNITYAMERICA $825,000 $1,650,000 100.0% 0.1%
AMERICAN FINANCING CORPORATION $410,000 $1,565,000 281.7% 0.1%
MID AMERICA MORTGAGE, INC. $745,000 $1,495,000 100.7% 0.1%
GUILD MORTGAGE COMPANY $2,005,000 $1,425,000 -28.9% 0.1%
JPMorgan Chase Bank $2,290,000 $1,390,000 -39.3% 0.1%
LOANPAL, LLC $490,000 $1,385,000 182.7% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $465,000 $1,360,000 192.5% 0.1%
Southern Bank $2,255,000 $1,360,000 -39.7% 0.1%
FCS Financial FLCA $1,315,000 n/a 0.1%
ASSEMBLIES OF GOD Credit Union $2,380,000 $1,275,000 -46.4% 0.1%
Truist Bank $860,000 $1,240,000 44.2% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $410,000 $1,235,000 201.2% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,055,000 $1,195,000 13.3% 0.1%
OPEN MORTGAGE, LLC $85,000 $1,115,000 1,211.8% 0.1%
21ST MORTGAGE CORPORATION $660,000 $1,075,000 62.9% 0.1%
CITY-COUNTY CREDIT UNION $1,075,000 n/a 0.1%
Flanagan State Bank $4,775,000 $1,065,000 -77.7% 0.1%
Prosperity Home Mortgage, LLC $1,345,000 $1,020,000 -24.2% 0.1%
ENDEAVOR CAPITAL, LLC. $1,335,000 $1,010,000 -24.3% 0.1%
U S WIDE FINANCIAL LLC $785,000 $960,000 22.3% 0.1%
Freedom Bank of Southern Missouri $1,355,000 $875,000 -35.4% 0.1%
CORNERSTONE HOME LENDING, INC. $4,635,000 $855,000 -81.6% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $505,000 $855,000 69.3% 0.1%
BancorpSouth Bank $955,000 $795,000 -16.8% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $450,000 $770,000 71.1% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $920,000 $740,000 -19.6% 0.1%
KELLER MORTGAGE, LLC $1,250,000 $735,000 -41.2% 0.1%
Low VA Rates, LLC $1,125,000 $690,000 -38.7% 0.1%
SIRVA MORTGAGE, INC. $360,000 $685,000 90.3% 0.1%
First Home Bank $715,000 $680,000 -4.9% 0.1%
LENDINGHOME FUNDING CORPORATION $675,000 n/a 0.1%
TCF National Bank $655,000 $655,000 0.0% 0.1%
Plains Commerce Bank $650,000 n/a 0.1%
North American Savings Bank, F.S.B. $560,000 $640,000 14.3% 0.1%
The Federal Savings Bank $1,135,000 $630,000 -44.5% 0.1%
LIMA ONE CAPITAL, LLC $305,000 $615,000 101.6% 0.1%
Equity Bank $595,000 n/a 0.1%
Fidelity Bank $595,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $290,000 $590,000 103.4% 0.1%
GSF Mortgage Corporation $405,000 $585,000 44.4% 0.1%
PLAZA HOME MORTGAGE, INC. $185,000 $575,000 210.8% 0.1%
United Bank $335,000 $575,000 71.6% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,450,000 $565,000 -61.0% 0.1%
TIB The Independent Bankersbank $530,000 $550,000 3.8% 0.0%
DELMAR FINANCIAL COMPANY $545,000 n/a 0.0%
PREMIA MORTGAGE, LLC $460,000 $540,000 17.4% 0.0%
First Federal Bank of Kansas City $530,000 n/a 0.0%
UNION HOME MORTGAGE CORP. $155,000 $530,000 241.9% 0.0%
Mid-Continent Funding, Inc. $145,000 $520,000 258.6% 0.0%
Colonial Savings, F.A. $510,000 n/a 0.0%
First State Bank of St. Charles, Missouri $525,000 $510,000 -2.9% 0.0%
Regions Bank $1,505,000 $500,000 -66.8% 0.0%
RUOFF MORTGAGE COMPANY, INC. $495,000 n/a 0.0%
First National Bank of America $155,000 $485,000 212.9% 0.0%
ZILLOW HOME LOANS, LLC $1,250,000 $485,000 -61.2% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $175,000 $480,000 174.3% 0.0%
Renasant Bank $480,000 n/a 0.0%
Bell Bank $475,000 n/a 0.0%
Devon Bank $470,000 n/a 0.0%
Deere Employees Credit Union $820,000 $445,000 -45.7% 0.0%
LEADERONE FINANCIAL CORPORATION $510,000 $445,000 -12.7% 0.0%
AMERICAN ADVISORS GROUP $30,000 $440,000 1,366.7% 0.0%
MISSOURI ELECTRIC COOPERATIVES EMPL $625,000 $440,000 -29.6% 0.0%
ROYAL UNITED MORTGAGE LLC $1,130,000 $420,000 -62.8% 0.0%
GUARANTEED RATE, INC. $505,000 $410,000 -18.8% 0.0%
Triumph Bank $410,000 n/a 0.0%
F & M Bank $405,000 n/a 0.0%
PNC Bank $720,000 $390,000 -45.8% 0.0%
AmeriHome Mortgage Company, LLC $370,000 n/a 0.0%
First Horizon Bank $370,000 n/a 0.0%
PLANET HOME LENDING, LLC $150,000 $370,000 146.7% 0.0%
Midwest Heritage Bank FSB $225,000 $365,000 62.2% 0.0%
The Bank of Missouri $365,000 n/a 0.0%
BNC National Bank $630,000 $360,000 -42.9% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $300,000 $360,000 20.0% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $145,000 $355,000 144.8% 0.0%
Magnolia Bank $490,000 $330,000 -32.7% 0.0%
UNIFY FINANCIAL Credit Union $330,000 n/a 0.0%
Citibank $65,000 $320,000 392.3% 0.0%
Members Mortgage Services, L.L.C. $195,000 $315,000 61.5% 0.0%
First Bank $105,000 $305,000 190.5% 0.0%
Capitol Federal Savings Bank $175,000 $295,000 68.6% 0.0%
MOVEMENT MORTGAGE, LLC $515,000 $285,000 -44.7% 0.0%
BLUCURRENT $610,000 $280,000 -54.1% 0.0%
GNBank $280,000 n/a 0.0%
COMMUNITY MORTGAGE, LLC $440,000 $275,000 -37.5% 0.0%
Sierra Pacific Mortgage Company, Inc. $275,000 n/a 0.0%
Wyndham Capital Mortgage, Inc. $275,000 n/a 0.0%
The Home Loan Expert LLC $250,000 n/a 0.0%
HOMESTAR FINANCIAL CORPORATION $245,000 n/a 0.0%
BLACK HILLS FEDERAL CREDIT UNION $235,000 n/a 0.0%
Legence Bank $235,000 n/a 0.0%
UNITED $25,000 $235,000 840.0% 0.0%
Manufacturers and Traders Trust Company $85,000 $230,000 170.6% 0.0%
First Savings Bank $95,000 $225,000 136.8% 0.0%
Labette Bank $500,000 $215,000 -57.0% 0.0%
Peoples Bank $215,000 n/a 0.0%
Ally Bank $105,000 $210,000 100.0% 0.0%
BOKF $1,900,000 $210,000 -88.9% 0.0%
Charles Schwab Bank, SSB $205,000 n/a 0.0%
JLB CORPORATION $205,000 n/a 0.0%
T2 FINANCIAL LLC $205,000 n/a 0.0%
PHH Mortgage Corporation $210,000 $200,000 -4.8% 0.0%
CHERRY CREEK MORTGAGE, LLC $195,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $195,000 n/a 0.0%
Discover Bank $180,000 $190,000 5.6% 0.0%
ARC HOME LLC $185,000 n/a 0.0%
Hawthorn Bank $250,000 $185,000 -26.0% 0.0%
Bank of England $470,000 $180,000 -61.7% 0.0%
Baxter Credit Union $175,000 n/a 0.0%
First Western Trust Bank $175,000 n/a 0.0%
Citizens Bank of Kansas $105,000 $165,000 57.1% 0.0%
Community First National Bank $165,000 n/a 0.0%
First Mid Bank & Trust $165,000 n/a 0.0%
RCB Bank $165,000 n/a 0.0%
FIRST WESTERN MORTGAGE, INC. $155,000 n/a 0.0%
InterContinental Capital Group, Inc $155,000 n/a 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $705,000 $155,000 -78.0% 0.0%
The Union Bank Company $155,000 n/a 0.0%
Montgomery Bank $145,000 n/a 0.0%
West Gate Bank $145,000 n/a 0.0%
EVERETT FINANCIAL, INC. $665,000 $135,000 -79.7% 0.0%
First Internet Bank of Indiana $350,000 $135,000 -61.4% 0.0%
S1L, Inc. $135,000 n/a 0.0%
THRIVE MORTGAGE, LLC $515,000 $125,000 -75.7% 0.0%
UIF CORPORATION $570,000 $125,000 -78.1% 0.0%
Sullivan Bank $120,000 n/a 0.0%
American Bank of Oklahoma $115,000 n/a 0.0%
SKYONE Federal Credit Union $115,000 n/a 0.0%
Truity Federal Credit Union $115,000 n/a 0.0%
Central National Bank $405,000 $105,000 -74.1% 0.0%
Landmark National Bank $460,000 $105,000 -77.2% 0.0%
MISSOURI Credit Union $105,000 n/a 0.0%
RBC Bank, (Georgia) $105,000 n/a 0.0%
The First National Bank of Middle Tennessee $105,000 n/a 0.0%
Think Mutual Bank $105,000 n/a 0.0%
TOGETHER CREDIT UNION $105,000 n/a 0.0%
ENCORE BANK $55,000 $95,000 72.7% 0.0%
Nations Lending Corporation $95,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $160,000 $95,000 -40.6% 0.0%
MORTGAGE SOLUTIONS LLC $125,000 $85,000 -32.0% 0.0%
Sunflower Bank $1,025,000 $85,000 -91.7% 0.0%
Third Federal Savings and Loan Association of Cleveland $80,000 n/a 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $75,000 n/a 0.0%
VALOR BANK $65,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $355,000 $55,000 -84.5% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $55,000 n/a 0.0%
Peoples Community Bank $55,000 n/a 0.0%
Transportation Federal Credit Union $45,000 n/a 0.0%

JOPLIN's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 23.3% market share. In second place, with 7.6%, is Southwest Missouri Bank, having originated $85,465,000 in loans. In third place, with 7.6%, is Arvest Bank, having originated $84,935,000 in loans. In third place, with 6.2%, is QUICKEN LOANS, LLC, having originated $69,635,000 in loans. In third place, with 4.7%, is People's Bank of Seneca, having originated $52,115,000 in loans.


JOPLIN, MO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,443 $585,575,000 $170,077
Refi 2,225 $373,035,000 $167,656
Cash Out Refi 837 $130,475,000 $155,884
Home Improvement 145 $17,505,000 $120,724
Other 131 $11,285,000 $86,145

Joplin's most frequently cited loan purpose was Home Purchase, with 3,443 originations. The 2nd most popular reason was Refi, with 2,225 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 2,535 $433,065,000 $170,834
2.5-3% 2,209 $369,175,000 $167,123
<2.5% 780 $135,330,000 $173,500
4-5% 497 $66,385,000 $133,571
5-6% 111 $8,285,000 $74,640
6-7% 49 $6,345,000 $129,490
Over 8% 23 $1,815,000 $78,913
7-8% 18 $1,890,000 $105,000

During 2021, Joplin's most frequently originated rate bucket was 3-4%, with 2,535 originations.

Loan Sizing (JOPLIN, MO MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 3,314 $473,270,000 $142,809
$100,000 or less 1,962 $132,630,000 $67,599
$200k-400k 1,320 $341,820,000 $258,955
$400k-600k 122 $57,580,000 $471,967
$Over $1MM 32 $89,620,000 $2,800,625
$600k-1000k 31 $22,955,000 $740,484

JOPLIN's loan sizing saw the bucket of loans from $100k-200k with 3,314 originations, totaling $473,270,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,969 $508,915,000 $171,410
60-80% 1,933 $347,665,000 $179,858
40-60% 674 $88,680,000 $131,573
20-40% 263 $23,405,000 $88,992
Under 20% 123 $6,595,000 $53,618
Over 100% 75 $19,815,000 $264,200

JOPLIN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,969 originations, totaling $508,915,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - JOPLIN (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 $139,849 (19.1%) $183,874 (5.0%) 0.52 1,158
2018-02-01 $139,900 (13.1%) $183,824 (1.5%) 0.50 1,140
2018-03-01 $142,500 (14.1%) $186,511 (2.1%) 0.49 1,167
2018-04-01 $149,900 (17.2%) $190,398 (1.9%) 0.50 1,198
2018-05-01 $153,000 (13.4%) $192,496 (-0.9%) 0.51 1,103
2018-06-01 $153,000 (12.0%) $198,984 (1.2%) 0.51 1,074
2018-07-01 $154,612 (7.0%) $196,083 (-1.6%) 0.52 1,004
2018-08-01 $149,900 (7.2%) $189,037 (-3.3%) 0.50 1,168
2018-09-01 $149,900 (7.2%) $188,960 (-2.2%) 0.50 1,182
2018-10-01 $154,500 (10.4%) $194,596 (0.7%) 0.52 1,105
2018-11-01 $149,948 (6.4%) $190,357 (-1.7%) 0.50 1,125
2018-12-01 $149,900 (7.2%) $190,633 (2.9%) 0.51 1,070
2019-01-01 $149,950 (7.2%) $188,336 (2.4%) 0.52 968
2019-02-01 $158,374 (13.2%) $191,111 (4.0%) 0.53 923
2019-03-01 $159,501 (11.9%) $193,756 (3.9%) 0.52 898
2019-04-01 $159,503 (6.4%) $197,157 (3.6%) 0.50 881
2019-05-01 $159,367 (4.2%) $200,600 (4.2%) 0.49 866
2019-06-01 $154,900 (1.2%) $198,626 (-0.2%) 0.48 877
2019-07-01 $159,250 (3.0%) $196,237 (0.1%) 0.49 939
2019-08-01 $154,406 (3.0%) $193,532 (2.4%) 0.49 901
2019-09-01 $149,975 (0.1%) $191,505 (1.4%) 0.48 850
2019-10-01 $159,000 (2.9%) $193,190 (-0.7%) 0.51 899
2019-11-01 $157,000 (4.7%) $193,803 (1.8%) 0.51 883
2019-12-01 $158,250 (5.6%) $194,486 (2.0%) 0.53 847
2020-01-01 $154,300 (2.9%) $193,888 (3.0%) 0.51 721
2020-02-01 $149,900 (-5.4%) $196,161 (2.6%) 0.48 685
2020-03-01 $159,862 (0.2%) $201,749 (4.1%) 0.50 652
2020-04-01 $149,950 (-6.0%) $201,038 (2.0%) 0.47 698
2020-05-01 $159,000 (-0.2%) $208,140 (3.8%) 0.48 626
2020-06-01 $159,999 (3.3%) $211,340 (6.4%) 0.47 603
2020-07-01 $162,450 (2.0%) $219,236 (11.7%) 0.47 554
2020-08-01 $174,900 (13.3%) $235,801 (21.8%) 0.50 464
2020-09-01 $182,400 (21.6%) $261,433 (36.5%) 0.52 456
2020-10-01 $169,500 (6.6%) $238,602 (23.5%) 0.48 492
2020-11-01 $159,900 (1.9%) $238,470 (23.1%) 0.46 488
2020-12-01 $159,900 (1.0%) $250,491 (28.8%) 0.47 473
2021-01-01 $168,950 (9.5%) $265,690 (37.0%) 0.50 415
2021-02-01 $191,400 (27.7%) $299,037 (52.4%) 0.55 337
2021-03-01 $197,700 (23.7%) $292,683 (45.1%) 0.55 336
2021-04-01 $197,950 (32.0%) $286,602 (42.6%) 0.53 347
2021-05-01 $184,900 (16.3%) $296,972 (42.7%) 0.49 310
2021-06-01 $174,500 (9.1%) $296,381 (40.2%) 0.45 326
2021-07-01 $175,000 (7.7%) $270,670 (23.5%) 0.45 378
2021-08-01 $189,450 (8.3%) $276,515 (17.3%) 0.50 401
2021-09-01 $193,250 (6.0%) $264,122 (1.0%) 0.51 427
2021-10-01 $194,500 (14.8%) $262,986 (10.2%) 0.51 444
2021-11-01 $205,902 (28.8%) $283,233 (18.8%) 0.54 429
2021-12-01 $214,900 (34.4%) $313,138 (25.0%) 0.57 363
2022-01-01 $217,500 (28.7%) $308,179 (16.0%) 0.58 279
2022-02-01 $227,450 (18.8%) $315,560 (5.5%) 0.58 245
2022-03-01 $249,900 (26.4%) $352,580 (20.5%) 0.62 232
2022-04-01 $235,000 (18.7%) $338,177 (18.0%) 0.55 291
JOPLIN's median listing price for 2022-04-01 was $235,000, a difference of $37,050 (18.7%) versus the prior year and $-14,900 versus the prior month.

JOPLIN's median listing price comes in at 55% of the national average.

JOPLIN's average listing price for 2022-04-01 was $338,177, a difference of $51,575 (18.0%) versus the prior year and $-14,403 versus the prior month.

For the 2022-04-01 period, JOPLIN had 291 MLS listings, a difference of 59 listings (25%) versus the prior month and -56 listings (-16%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - JOPLIN (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 76 days 1,780 sqft
2018-02-01 77 days 1,763 sqft
2018-03-01 57 days 1,763 sqft
2018-04-01 56 days 1,807 sqft
2018-05-01 60 days 1,845 sqft
2018-06-01 66 days 1,892 sqft
2018-07-01 67 days 1,900 sqft
2018-08-01 59 days 1,843 sqft
2018-09-01 61 days 1,820 sqft
2018-10-01 70 days 1,870 sqft
2018-11-01 71 days 1,864 sqft
2018-12-01 68 days 1,860 sqft
2019-01-01 75 days 1,826 sqft
2019-02-01 80 days 1,849 sqft
2019-03-01 62 days 1,813 sqft
2019-04-01 55 days 1,791 sqft
2019-05-01 52 days 1,849 sqft
2019-06-01 53 days 1,813 sqft
2019-07-01 53 days 1,824 sqft
2019-08-01 63 days 1,820 sqft
2019-09-01 65 days 1,809 sqft
2019-10-01 56 days 1,793 sqft
2019-11-01 56 days 1,800 sqft
2019-12-01 72 days 1,797 sqft
2020-01-01 72 days 1,811 sqft
2020-02-01 67 days 1,804 sqft
2020-03-01 58 days 1,824 sqft
2020-04-01 50 days 1,800 sqft
2020-05-01 56 days 1,800 sqft
2020-06-01 58 days 1,876 sqft
2020-07-01 45 days 1,877 sqft
2020-08-01 43 days 1,950 sqft
2020-09-01 47 days 2,008 sqft
2020-10-01 35 days 1,868 sqft
2020-11-01 44 days 1,806 sqft
2020-12-01 57 days 1,869 sqft
2021-01-01 65 days 1,950 sqft
2021-02-01 69 days 2,013 sqft
2021-03-01 49 days 1,987 sqft
2021-04-01 38 days 1,932 sqft
2021-05-01 32 days 1,900 sqft
2021-06-01 31 days 1,900 sqft
2021-07-01 28 days 1,804 sqft
2021-08-01 30 days 1,826 sqft
2021-09-01 35 days 1,778 sqft
2021-10-01 42 days 1,792 sqft
2021-11-01 44 days 1,850 sqft
2021-12-01 50 days 1,841 sqft
2022-01-01 57 days 1,950 sqft
2022-02-01 35 days 1,999 sqft
2022-03-01 25 days 1,872 sqft
2022-04-01 21 days 1,830 sqft
JOPLIN's median listing age (time on market) for 2022-04-01 was 21 days. This is -45% shorter than the same period one year ago.

JOPLIN's median square footage for active listings during the 2022-04-01 period was 1,830 sqft. One year prior, the average listing was 1,932 sqft.