Kirksville Mortgage Rates

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

30 Year Fixed Rate mortgages in Kirksville averaged 6.3% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.11% and one month ago for the week of 2022-05-26, the average rate was 5.6%.

Kirksville's average rate one year ago was 3.08%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.68%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Kirksville 30 Year Fixed Rate 2022-06-30 6.3%
Kirksville 30 Year Fixed Rate Refi 2022-06-30 5.68%
Kirksville 15 Year Fixed Rate 2022-06-30 5.27%
Kirksville 15 Year Fixed Rate Refi 2022-06-30 5.04%
Kirksville 30 Year FHA 2022-06-30 5.62%
Kirksville 30 Year FHA Refi 2022-06-30 5.45%
Kirksville 30 Year USDA 2022-06-30 6.06%
Kirksville 30 Year VA 2022-06-30 5.8%
Kirksville 30 Year VA Refi 2022-06-30 5.34%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Kirksville, MO.

Kirksville 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 Kirksville, 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. 29 3.19% $2,092
QUICKEN LOANS, LLC 22 3.17% $3,883
U.S. Bank 20 3.22% $1,962
DAS Acquisition Company, LLC 15 3.18% $2,479
Plains Commerce Bank 8 3.09% $2,945
NBH Bank 7 3.14% $1,492
LOANDEPOT.COM, LLC 5 3.35% $4,102
COMMUNITY MORTGAGE, LLC 5 3.08% $2,238
Wells Fargo Bank 3 3.42% $1,759
Mortgage Research Center, LLC 3 3.04% $2,402
COMMUNITY 1ST CREDIT UNION 2 3.25% $1,411
BROKER SOLUTIONS, INC. 2 3.63% $3,032
Farm Credit Mid-America, ACA 2 3.93% $6,126
GUILD MORTGAGE COMPANY 2 3.44% $1,904
MISSOURI Credit Union 2 3.25% $1,351
MISSOURI ELECTRIC COOPERATIVES EMPL 2 3.31% $1,269
The Central Trust Bank 2 3.25% $2,036
United Fidelity Funding Corp. 2 3.69% $2,857
VERIDIAN CREDIT UNION 1 3.25% $1,254
First Guaranty Mortgage Corporation 1 3.50% $2,212
FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 3.50% $2,607
First State Bank of St. Charles, Missouri 1 3.25% $1,940
Carrington Mortgage Services, LLC 1 3.00% $4,785
GERSHMAN INVESTMENT CORP. 1 3.63% $4,659
Truist Bank 1 3.13% $1,736
HOMESIDE FINANCIAL, LLC 1 3.63% $6,122
I. H. MISSISSIPPI VALLEY CREDIT UNION 1 2.25% $676
JPMorgan Chase Bank 1 3.25% $1,275
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 2.74% $2,330
Arvest Bank 1 2.50% $2,131
Bank of America 1 3.38% $3,437
CALIBER HOME LOANS, INC. 1 3.10% $2,398
Mr. Cooper ( Nationstar Mortgage ) 1 3.50% $4,799
NAVY FEDERAL CREDIT UNION 1 4.25% $6,811
BMO Harris Bank 1 3.50% $2,575
NEWREZ LLC 1 4.75% $1,753
PENNYMAC LOAN SERVICES, LLC 1 2.87% $1,570
BETTER MORTGAGE CORPORATION 1 2.88% $1,317
PLAZA HOME MORTGAGE, INC. 1 3.49% $1,881
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.38% $3,573
Baxter Credit Union 1 3.00% $2,201
ROYAL UNITED MORTGAGE LLC 1 3.50% $3,396
Sierra Pacific Mortgage Company, Inc. 1 3.13% $3,557
STEARNS LENDING, LLC 1 3.25% $2,373
AmeriHome Mortgage Company, LLC 1 2.88% $5,007
Community Mortgage Banc Corporation 1 3.33% $2,131
Commerce Bank 1 3.50% $2,111
CROSSCOUNTRY MORTGAGE, LLC 1 3.13% $2,321
CMG MORTGAGE, INC. 1 2.75% $4,988
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.25% $3,486

Kirksville, MO's 50 lenders originated 588 loans during 2021. The total origination value was $86,790,000, with an average loan value of $147,602.

The top Kirksville lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 29 loans originated. Their average total fees are $2,092, which is $1,791 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Kirksville lenders (with over 10 loans originated) are U.S. Bank ($1,962), FLAT BRANCH MORTGAGE, INC. ($2,092), DAS Acquisition Company, LLC ($2,479), QUICKEN LOANS, LLC ($3,883) and .

The lowest rate Kirksville lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (3.17%), DAS Acquisition Company, LLC (3.18%), FLAT BRANCH MORTGAGE, INC. (3.19%), U.S. Bank (3.22%) and .

Kirksville, 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
Alliant Bank $36,370,000 $19,090,000 -47.5% 22.0%
QUICKEN LOANS, LLC $6,745,000 $10,100,000 49.7% 11.6%
U.S. Bank $9,615,000 $7,905,000 -17.8% 9.1%
FLAT BRANCH MORTGAGE, INC. $1,355,000 $6,945,000 412.5% 8.0%
NBH Bank $5,170,000 $4,625,000 -10.5% 5.3%
DAS Acquisition Company, LLC $2,550,000 $4,170,000 63.5% 4.8%
Mortgage Research Center, LLC $2,310,000 $3,210,000 39.0% 3.7%
COMMUNITY MORTGAGE, LLC $1,520,000 $1,845,000 21.4% 2.1%
Plains Commerce Bank $260,000 $1,560,000 500.0% 1.8%
FREEDOM MORTGAGE CORPORATION $1,855,000 $1,525,000 -17.8% 1.8%
LOANDEPOT.COM, LLC $290,000 $1,470,000 406.9% 1.7%
Farm Credit Mid-America, ACA $1,300,000 n/a 1.5%
The Central Trust Bank $550,000 $1,205,000 119.1% 1.4%
Wells Fargo Bank $1,235,000 $1,140,000 -7.7% 1.3%
PENNYMAC LOAN SERVICES, LLC $260,000 $1,125,000 332.7% 1.3%
NAVY FEDERAL CREDIT UNION $220,000 $950,000 331.8% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $515,000 $855,000 66.0% 1.0%
USAA Federal Savings Bank $840,000 n/a 1.0%
GREENSTATE CREDIT UNION $810,000 n/a 0.9%
HOMESIDE FINANCIAL, LLC $610,000 n/a 0.7%
Arvest Bank $530,000 n/a 0.6%
First Guaranty Mortgage Corporation $145,000 $520,000 258.6% 0.6%
MISSOURI Credit Union $185,000 $490,000 164.9% 0.6%
Simmons Bank $485,000 n/a 0.6%
MISSOURI ELECTRIC COOPERATIVES EMPL $505,000 $465,000 -7.9% 0.5%
CMG MORTGAGE, INC. $2,055,000 $460,000 -77.6% 0.5%
UNITED WHOLESALE MORTGAGE, LLC $460,000 n/a 0.5%
United Fidelity Funding Corp. $455,000 n/a 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $420,000 $415,000 -1.2% 0.5%
CHURCHILL MORTGAGE CORPORATION $410,000 n/a 0.5%
First State Community Bank $205,000 $410,000 100.0% 0.5%
Sierra Pacific Mortgage Company, Inc. $385,000 n/a 0.4%
Wells Bank $365,000 $385,000 5.5% 0.4%
The Huntington National Bank $780,000 $375,000 -51.9% 0.4%
Bank of America $365,000 n/a 0.4%
COMMUNITY 1ST CREDIT UNION $600,000 $350,000 -41.7% 0.4%
GUILD MORTGAGE COMPANY $450,000 $345,000 -23.3% 0.4%
CORNERSTONE HOME LENDING, INC. $285,000 $325,000 14.0% 0.4%
First State Bank of St. Charles, Missouri $310,000 n/a 0.4%
JPMorgan Chase Bank $45,000 $310,000 588.9% 0.4%
FIRST INTEGRITY MORTGAGE SERVICES, INC. $175,000 $305,000 74.3% 0.4%
Truist Bank $305,000 n/a 0.4%
BETTER MORTGAGE CORPORATION $285,000 n/a 0.3%
AMERICAN FINANCING CORPORATION $380,000 $265,000 -30.3% 0.3%
NEW DAY FINANCIAL, LLC $115,000 $255,000 121.7% 0.3%
CALIBER HOME LOANS, INC. $240,000 n/a 0.3%
GUARANTEED RATE AFFINITY, LLC $235,000 n/a 0.3%
AMERISAVE MORTGAGE CORPORATION $210,000 n/a 0.2%
Austin Capital Bank SSB $205,000 n/a 0.2%
Community Mortgage Banc Corporation $4,000,000 $200,000 -95.0% 0.2%
Baxter Credit Union $55,000 $185,000 236.4% 0.2%
T2 FINANCIAL LLC $185,000 n/a 0.2%
ROYAL UNITED MORTGAGE LLC $225,000 $180,000 -20.0% 0.2%
Servion, Inc. $210,000 $180,000 -14.3% 0.2%
I. H. MISSISSIPPI VALLEY CREDIT UNION $175,000 n/a 0.2%
STEARNS LENDING, LLC $175,000 n/a 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $165,000 n/a 0.2%
FCS Financial FLCA $165,000 n/a 0.2%
Carrington Mortgage Services, LLC $155,000 n/a 0.2%
Low VA Rates, LLC $145,000 n/a 0.2%
The Bank of Missouri $145,000 n/a 0.2%
CapGrow Home Mortgage, LLC $135,000 n/a 0.2%
LAKEVIEW LOAN SERVICING, LLC $145,000 $135,000 -6.9% 0.2%
LOANPAL, LLC $135,000 n/a 0.2%
Midwest Heritage Bank FSB $265,000 $135,000 -49.1% 0.2%
NORTHERN MORTGAGE SERVICES, LLC $135,000 n/a 0.2%
BMO Harris Bank $125,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $125,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $125,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $135,000 $125,000 -7.4% 0.1%
VERIDIAN CREDIT UNION $125,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $115,000 n/a 0.1%
COMMUNITYAMERICA $95,000 $115,000 21.1% 0.1%
Financial Funding Solutions, Inc. $115,000 n/a 0.1%
GERSHMAN INVESTMENT CORP. $285,000 $115,000 -59.6% 0.1%
BROKER SOLUTIONS, INC. $260,000 $110,000 -57.7% 0.1%
Lincoln Savings Bank $320,000 $105,000 -67.2% 0.1%
Exchange Bank of Missouri $100,000 n/a 0.1%
Bank of England $95,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $95,000 n/a 0.1%
21ST MORTGAGE CORPORATION $155,000 $85,000 -45.2% 0.1%
Commerce Bank $545,000 $85,000 -84.4% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $125,000 $85,000 -32.0% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $75,000 n/a 0.1%
Midwest Mortgage Associates Corporation $560,000 $75,000 -86.6% 0.1%
Flagstar Bank, FSB $485,000 $65,000 -86.6% 0.1%
Hometown Lenders, Inc. $65,000 n/a 0.1%
NEWREZ LLC $65,000 n/a 0.1%
Deere Employees Credit Union $35,000 n/a 0.0%

Kirksville's top lender by overall market share is Alliant Bank, with 22.0% market share. In second place, with 11.6%, is QUICKEN LOANS, LLC, having originated $10,100,000 in loans. In third place, with 9.1%, is U.S. Bank, having originated $7,905,000 in loans. In third place, with 8.0%, is FLAT BRANCH MORTGAGE, INC., having originated $6,945,000 in loans. In third place, with 5.3%, is NBH Bank, having originated $4,625,000 in loans.


Kirksville, MO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 289 $43,165,000 $149,360
Refi 185 $28,445,000 $153,757
Cash Out Refi 93 $13,565,000 $145,860
Home Improvement 14 $790,000 $56,429
Other 7 $825,000 $117,857

Kirksville's most frequently cited loan purpose was Home Purchase, with 289 originations. The 2nd most popular reason was Refi, with 185 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 196 $27,060,000 $138,061
2.5-3% 160 $24,890,000 $155,563
<2.5% 74 $12,730,000 $172,027
4-5% 20 $2,160,000 $108,000
5-6% 3 $195,000 $65,000
6-7% 1 $95,000 $95,000
7-8% 1 $85,000 $85,000

During 2021, Kirksville's most frequently originated rate bucket was 3-4%, with 196 originations.

Loan Sizing (Kirksville, MO MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 268 $38,490,000 $143,619
$100,000 or less 210 $14,300,000 $68,095
$200k-400k 100 $26,610,000 $266,100
$400k-600k 7 $3,385,000 $483,571
$Over $1MM 3 $4,005,000 $1,335,000

Kirksville's loan sizing saw the bucket of loans from $100k-200k with 268 originations, totaling $38,490,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 216 $34,450,000 $159,491
60-80% 128 $19,690,000 $153,828
40-60% 58 $7,080,000 $122,069
20-40% 22 $1,450,000 $65,909
Under 20% 10 $280,000 $28,000
Over 100% 5 $1,435,000 $287,000

Kirksville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 216 originations, totaling $34,450,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Kirksville (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 $93,700 (4.5%) $159,542 (9.7%) 0.00 110
2018-02-01 $84,950 (-11.1%) $161,001 (6.8%) 0.00 107
2018-03-01 $104,800 (-1.1%) $171,334 (8.7%) 0.00 112
2018-04-01 $114,950 (4.6%) $176,117 (6.3%) 0.00 123
2018-05-01 $121,900 (10.8%) $180,804 (8.5%) 0.00 132
2018-06-01 $119,900 (4.4%) $166,962 (0.1%) 0.00 136
2018-07-01 $119,900 (4.4%) $158,246 (-4.0%) 0.00 137
2018-08-01 $109,900 (-2.3%) $155,968 (-10.0%) 0.00 134
2018-09-01 $95,000 (-12.8%) $143,480 (-14.9%) 0.00 123
2018-10-01 $94,700 (-0.3%) $145,632 (-7.3%) 0.00 116
2018-11-01 $99,900 (7.5%) $151,393 (-2.3%) 0.00 115
2018-12-01 $105,000 (10.5%) $151,804 (-6.5%) 0.00 110
2019-01-01 $104,750 (11.8%) $159,530 (0.0%) 0.00 99
2019-02-01 $107,250 (26.3%) $164,102 (1.9%) 0.00 98
2019-03-01 $111,100 (6.0%) $166,855 (-2.6%) 0.00 99
2019-04-01 $118,800 (3.4%) $170,328 (-3.3%) 0.00 101
2019-05-01 $114,900 (-5.7%) $172,302 (-4.7%) 0.00 102
2019-06-01 $105,000 (-12.4%) $170,252 (2.0%) 0.00 117
2019-07-01 $116,950 (-2.5%) $174,233 (10.1%) 0.00 126
2019-08-01 $112,000 (1.9%) $180,658 (15.8%) 0.00 127
2019-09-01 $100,950 (6.3%) $172,563 (20.3%) 0.00 130
2019-10-01 $99,900 (5.5%) $169,293 (16.3%) 0.00 129
2019-11-01 $99,900 (0.0%) $181,725 (20.0%) 0.00 110
2019-12-01 $97,450 (-7.2%) $178,161 (17.4%) 0.00 99
2020-01-01 $94,188 (-10.1%) $182,176 (14.2%) 0.00 95
2020-02-01 $93,475 (-12.8%) $181,612 (10.7%) 0.00 98
2020-03-01 $97,450 (-12.3%) $168,447 (1.0%) 0.00 106
2020-04-01 $109,700 (-7.7%) $168,597 (-1.0%) 0.00 113
2020-05-01 $119,900 (4.4%) $175,205 (1.7%) 0.00 105
2020-06-01 $131,200 (25.0%) $200,750 (17.9%) 0.00 98
2020-07-01 $129,900 (11.1%) $203,758 (17.0%) 0.00 87
2020-08-01 $119,000 (6.3%) $200,554 (11.0%) 0.00 90
2020-09-01 $119,900 (18.8%) $210,465 (22.0%) 0.00 84
2020-10-01 $119,000 (19.1%) $205,096 (21.2%) 0.00 85
2020-11-01 $122,450 (22.6%) $205,923 (13.3%) 0.00 75
2020-12-01 $104,900 (7.6%) $178,579 (0.2%) 0.00 80
2021-01-01 $99,900 (6.1%) $180,694 (-0.8%) 0.00 80
2021-02-01 $101,500 (8.6%) $194,156 (6.9%) 0.00 85
2021-03-01 $93,500 (-4.1%) $172,663 (2.5%) 0.00 77
2021-04-01 $95,000 (-13.4%) $174,473 (3.5%) 0.00 69
2021-05-01 $124,900 (4.2%) $174,590 (-0.4%) 0.00 69
2021-06-01 $114,900 (-12.4%) $162,168 (-19.2%) 0.00 66
2021-07-01 $118,700 (-8.6%) $166,667 (-18.2%) 0.00 69
2021-08-01 $117,750 (-1.1%) $159,721 (-20.4%) 0.00 83
2021-09-01 $121,500 (1.3%) $167,438 (-20.4%) 0.00 83
2021-10-01 $124,500 (4.6%) $176,355 (-14.0%) 0.00 82
2021-11-01 $153,500 (25.4%) $314,210 (52.6%) 0.00 89
2021-12-01 $148,050 (41.1%) $309,503 (73.3%) 0.00 86
2022-01-01 $149,900 (50.1%) $329,554 (82.4%) 0.00 75
2022-02-01 $150,000 (47.8%) $413,686 (113.1%) 0.00 67
2022-03-01 $179,900 (92.4%) $466,338 (170.1%) 0.00 53
2022-04-01 $178,900 (88.3%) $487,281 (179.3%) 0.00 47
2022-05-01 $175,000 (40.1%) $471,299 (170.0%) 0.00 54
2022-06-01 $211,200 (83.8%) $494,049 (204.7%) 0.00 59
Kirksville's median listing price for 2022-06-01 was $211,200, a difference of $96,300 (83.8%) versus the prior year and $36,200 versus the prior month.

Kirksville's median listing price comes in at 0% of the national average.

Kirksville's average listing price for 2022-06-01 was $494,049, a difference of $331,881 (204.7%) versus the prior year and $22,750 versus the prior month.

For the 2022-06-01 period, Kirksville had 59 MLS listings, a difference of 5 listings (9%) versus the prior month and -7 listings (-11%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Kirksville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,426 sqft
2018-02-01 0 days 1,400 sqft
2018-03-01 0 days 1,418 sqft
2018-04-01 0 days 1,475 sqft
2018-05-01 0 days 1,547 sqft
2018-06-01 0 days 1,475 sqft
2018-07-01 0 days 1,501 sqft
2018-08-01 0 days 1,448 sqft
2018-09-01 0 days 1,412 sqft
2018-10-01 0 days 1,400 sqft
2018-11-01 0 days 1,409 sqft
2018-12-01 0 days 1,413 sqft
2019-01-01 0 days 1,409 sqft
2019-02-01 0 days 1,413 sqft
2019-03-01 0 days 1,500 sqft
2019-04-01 0 days 1,608 sqft
2019-05-01 0 days 1,546 sqft
2019-06-01 0 days 1,550 sqft
2019-07-01 0 days 1,557 sqft
2019-08-01 0 days 1,540 sqft
2019-09-01 0 days 1,449 sqft
2019-10-01 0 days 1,464 sqft
2019-11-01 0 days 1,536 sqft
2019-12-01 0 days 1,519 sqft
2020-01-01 0 days 1,475 sqft
2020-02-01 0 days 1,475 sqft
2020-03-01 0 days 1,559 sqft
2020-04-01 0 days 1,635 sqft
2020-05-01 0 days 1,664 sqft
2020-06-01 0 days 1,700 sqft
2020-07-01 0 days 1,746 sqft
2020-08-01 0 days 1,700 sqft
2020-09-01 0 days 1,648 sqft
2020-10-01 0 days 1,595 sqft
2020-11-01 0 days 1,595 sqft
2020-12-01 0 days 1,534 sqft
2021-01-01 0 days 1,535 sqft
2021-02-01 0 days 1,525 sqft
2021-03-01 0 days 1,407 sqft
2021-04-01 0 days 1,434 sqft
2021-05-01 0 days 1,459 sqft
2021-06-01 0 days 1,467 sqft
2021-07-01 0 days 1,474 sqft
2021-08-01 0 days 1,373 sqft
2021-09-01 0 days 1,376 sqft
2021-10-01 0 days 1,314 sqft
2021-11-01 0 days 1,425 sqft
2021-12-01 0 days 1,454 sqft
2022-01-01 0 days 1,502 sqft
2022-02-01 0 days 1,560 sqft
2022-03-01 0 days 1,700 sqft
2022-04-01 0 days 1,673 sqft
2022-05-01 0 days 1,493 sqft
2022-06-01 0 days 1,940 sqft
Kirksville's median listing age (time on market) for 2022-06-01 was 0 days.

Kirksville's median square footage for active listings during the 2022-06-01 period was 1,940 sqft. One year prior, the average listing was 1,467 sqft.