Kirksville Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Kirksville averaged 7.11% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 7.06% and one month ago for the week of 2025-04-17, the average rate was 6.98%.

    Kirksville's average rate one year ago was 7.17%.

    For refis of the same type during the week of 2025-05-22, the average rate was 7.06%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Kirksville 30 Year Fixed Rate 2025-05-22 7.11%
    Kirksville 30 Year Fixed Rate Refi 2025-05-22 7.06%
    Kirksville 15 Year Fixed Rate 2025-05-22 5.91%
    Kirksville 15 Year Fixed Rate Refi 2025-05-22 6.01%
    Kirksville 30 Year FHA 2025-05-22 6.81%
    Kirksville 30 Year FHA Refi 2025-05-22 6.51%
    Kirksville 30 Year USDA 2025-05-22 6.33%
    Kirksville 30 Year USDA Refi 2025-05-22 6.63%
    Kirksville 30 Year VA 2025-05-22 6.52%
    Kirksville 30 Year VA Refi 2025-05-22 6.32%
    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 lender, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    FLAT BRANCH MORTGAGE, INC. 20 6.72% $3,092
    QUICKEN LOANS, LLC 17 6.86% $4,921
    U.S. Bank 15 7.06% $2,599
    DAS Acquisition Company, LLC 10 6.60% $5,442
    GENEVA FINANCIAL, LLC 8 6.72% $3,478
    Equity Bank 5 7.10% $2,777
    NBH Bank 3 6.95% $2,099
    USAA Federal Savings Bank 2 7.00% $3,052
    First State Community Bank 2 7.53% $1,598
    AMERISAVE MORTGAGE CORPORATION 2 5.50% $6,578
    LAKEVIEW LOAN SERVICING, LLC 1 7.63% $6,131
    Mid-Continent Funding, Inc. 1 7.63% $5,212
    Midwest Mortgage Associates Corporation 1 6.00% $0
    MISSOURI Credit Union 1 6.00% $2,147
    MISSOURI ELECTRIC COOPERATIVES EMPL 1 5.50% $3,017
    Mortgage Research Center, LLC 1 6.88% $880
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.99% $4,033
    The Central Trust Bank 1 6.63% $3,546
    Think Mutual Bank 1 6.38% $3,829
    UNITED WHOLESALE MORTGAGE, LLC 1 7.50% $2,180
    West Gate Bank 1 6.88% $2,284
    American Bank and Trust Company 1 5.88% $2,910
    WNB Financial, N.A. 1 6.88% $2,747
    American Mortgage & Equity Consultants, Inc. 1 6.38% $2,498
    Arvest Bank 1 6.75% $2,821
    BROKER SOLUTIONS, INC. 1 7.38% $2,549
    CHURCHILL MORTGAGE CORPORATION 1 6.99% $3,720
    Community Mortgage Banc Corporation 1 6.50% $1,839
    Discover Bank 1 7.79% $0
    FCS Financial FLCA 1 7.25% $2,541
    GUARANTEED RATE, INC. 1 6.85% $2,526
    JPMorgan Chase Bank 1 6.49% $500

    Kirksville Average Closing Costs & Other Stats

    Kirksville, MO's 32 lenders originated 352 loans during 2024. The total origination value was $57,130,000, with an average loan value of $162,301.

    Kirksville's average closing costs are $3,700.

    The top Kirksville lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 20 loans originated. Their average total fees are $3,092, which is $1,829 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Kirksville lenders (with over 10 loans originated) are U.S. Bank ($2,599), FLAT BRANCH MORTGAGE, INC. ($3,092), QUICKEN LOANS, LLC ($4,921), DAS Acquisition Company, LLC ($5,442) and .

    The lowest rate Kirksville lenders (with over 10 loans originated) are DAS Acquisition Company, LLC (6.60%), FLAT BRANCH MORTGAGE, INC. (6.72%), QUICKEN LOANS, LLC (6.86%), U.S. Bank (7.06%) and .

    Kirksville, 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
    Alliant Bank $7,750,000 $10,105,000 30.4% 17.7%
    FLAT BRANCH MORTGAGE, INC. $5,005,000 $6,615,000 32.2% 11.6%
    U.S. Bank $2,405,000 $5,320,000 121.2% 9.3%
    QUICKEN LOANS, LLC $2,760,000 $5,025,000 82.1% 8.8%
    Wells Bank $2,825,000 $4,705,000 66.5% 8.2%
    DAS Acquisition Company, LLC $3,325,000 $3,035,000 -8.7% 5.3%
    Equity Bank $3,000,000 n/a 5.3%
    Mortgage Research Center, LLC $1,955,000 $2,465,000 26.1% 4.3%
    GENEVA FINANCIAL, LLC $2,110,000 n/a 3.7%
    UNITED WHOLESALE MORTGAGE, LLC $1,405,000 n/a 2.5%
    NBH Bank $1,025,000 $1,250,000 22.0% 2.2%
    NAVY FEDERAL CREDIT UNION $500,000 n/a 0.9%
    NEW DAY FINANCIAL, LLC $495,000 n/a 0.9%
    Regional Missouri Bank $2,845,000 $485,000 -83.0% 0.8%
    USAA Federal Savings Bank $390,000 $460,000 17.9% 0.8%
    JPMorgan Chase Bank $445,000 n/a 0.8%
    21ST MORTGAGE CORPORATION $130,000 $430,000 230.8% 0.8%
    First Federal Bank $425,000 n/a 0.7%
    GUARANTEED RATE, INC. $210,000 $400,000 90.5% 0.7%
    LAKEVIEW LOAN SERVICING, LLC $185,000 $400,000 116.2% 0.7%
    Arvest Bank $1,175,000 $395,000 -66.4% 0.7%
    AMERISAVE MORTGAGE CORPORATION $385,000 n/a 0.7%
    MUTUAL OF OMAHA MORTGAGE, INC. $380,000 n/a 0.7%
    FCS Financial FLCA $530,000 $370,000 -30.2% 0.6%
    First State Community Bank $125,000 $360,000 188.0% 0.6%
    TRIAD FINANCIAL SERVICES, INC. $55,000 $295,000 436.4% 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $290,000 n/a 0.5%
    Wells Fargo Bank $500,000 $285,000 -43.0% 0.5%
    Midwest Mortgage Associates Corporation $225,000 $280,000 24.4% 0.5%
    PENNYMAC LOAN SERVICES, LLC $200,000 $280,000 40.0% 0.5%
    LEADERONE FINANCIAL CORPORATION $275,000 n/a 0.5%
    MISSOURI ELECTRIC COOPERATIVES EMPL $405,000 $245,000 -39.5% 0.4%
    Midwest Bank $235,000 n/a 0.4%
    Mid-Continent Funding, Inc. $225,000 n/a 0.4%
    The Central Trust Bank $255,000 $220,000 -13.7% 0.4%
    BROKER SOLUTIONS, INC. $400,000 $195,000 -51.3% 0.3%
    HomeBank $705,000 $190,000 -73.0% 0.3%
    American Bank and Trust Company $185,000 n/a 0.3%
    Discover Bank $55,000 $185,000 236.4% 0.3%
    Equity Prime Mortgage LLC $175,000 n/a 0.3%
    Think Mutual Bank $165,000 n/a 0.3%
    American Mortgage & Equity Consultants, Inc. $145,000 $155,000 6.9% 0.3%
    PLAZA HOME MORTGAGE, INC. $155,000 n/a 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $145,000 n/a 0.3%
    GREENSTATE CREDIT UNION $125,000 $145,000 16.0% 0.3%
    WNB Financial, N.A. $145,000 n/a 0.3%
    ROYAL UNITED MORTGAGE LLC $135,000 $135,000 0.0% 0.2%
    Regions Bank $215,000 $125,000 -41.9% 0.2%
    First Bank $115,000 n/a 0.2%
    FREEDOM MORTGAGE CORPORATION $105,000 n/a 0.2%
    West Gate Bank $105,000 n/a 0.2%
    MISSOURI Credit Union $95,000 n/a 0.2%
    TruHome Solutions, LLC $95,000 n/a 0.2%
    AMERICAN PACIFIC MORTGAGE CORPORATION $85,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $75,000 n/a 0.1%
    Community Mortgage Banc Corporation $125,000 $65,000 -48.0% 0.1%
    FCB Banks $165,000 $65,000 -60.6% 0.1%
    Mortgage Investment Services Corporation $235,000 $65,000 -72.3% 0.1%
    Figure Lending LLC $45,000 n/a 0.1%
    QUORUM FEDERAL CREDIT UNION $45,000 n/a 0.1%
    River Region Credit Union $45,000 n/a 0.1%
    SPRING EQ, LLC $35,000 n/a 0.1%
    MRV Banks $25,000 n/a 0.0%

    Kirksville's top lender by overall market share is Alliant Bank, with 17.7% market share. In second place, with 11.6%, is FLAT BRANCH MORTGAGE, INC., having originated $6,615,000 in loans. In third place, with 9.3%, is U.S. Bank, having originated $5,320,000 in loans. In fourth place, with 8.8%, is QUICKEN LOANS, LLC, having originated $5,025,000 in loans. In fifth place, with 8.2%, is Wells Bank, having originated $4,705,000 in loans.

    Kirksville Housing Market Trends (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 $94,950 (5.7%) $155,793 (9.1%) 0.00 109
    2018-02-01 $84,125 (-11.9%) $157,132 (9.0%) 0.00 106
    2018-03-01 $104,900 (-0.8%) $166,116 (9.2%) 0.00 110
    2018-04-01 $114,950 (4.6%) $171,283 (7.5%) 0.00 123
    2018-05-01 $122,150 (11.1%) $175,582 (11.0%) 0.00 131
    2018-06-01 $119,900 (4.3%) $163,158 (1.8%) 0.00 138
    2018-07-01 $124,900 (9.9%) $160,439 (1.4%) 0.00 139
    2018-08-01 $116,650 (3.7%) $159,301 (-1.2%) 0.00 137
    2018-09-01 $99,900 (-7.5%) $147,247 (-5.4%) 0.00 125
    2018-10-01 $95,200 (-2.1%) $145,527 (-5.3%) 0.00 116
    2018-11-01 $99,900 (6.4%) $149,982 (-0.4%) 0.00 116
    2018-12-01 $105,000 (10.5%) $150,372 (-5.7%) 0.00 111
    2019-01-01 $104,500 (10.1%) $154,904 (-0.6%) 0.00 98
    2019-02-01 $104,500 (24.2%) $157,985 (0.5%) 0.00 97
    2019-03-01 $100,886 (-3.8%) $159,860 (-3.8%) 0.00 99
    2019-04-01 $100,886 (-12.2%) $162,759 (-5.0%) 0.00 99
    2019-05-01 $99,900 (-18.2%) $165,816 (-5.6%) 0.00 98
    2019-06-01 $99,900 (-16.7%) $164,507 (0.8%) 0.00 113
    2019-07-01 $107,225 (-14.2%) $168,676 (5.1%) 0.00 121
    2019-08-01 $106,736 (-8.5%) $170,964 (7.3%) 0.00 122
    2019-09-01 $102,666 (2.8%) $164,631 (11.8%) 0.00 122
    2019-10-01 $99,800 (4.8%) $161,750 (11.2%) 0.00 125
    2019-11-01 $99,500 (-0.4%) $170,894 (13.9%) 0.00 109
    2019-12-01 $95,600 (-9.0%) $166,746 (10.9%) 0.00 98
    2020-01-01 $89,675 (-14.2%) $166,928 (7.8%) 0.00 93
    2020-02-01 $88,500 (-15.3%) $163,703 (3.6%) 0.00 95
    2020-03-01 $93,944 (-6.9%) $165,654 (3.6%) 0.00 105
    2020-04-01 $102,300 (1.4%) $169,666 (4.2%) 0.00 111
    2020-05-01 $109,900 (10.0%) $175,829 (6.0%) 0.00 102
    2020-06-01 $126,150 (26.3%) $193,366 (17.5%) 0.00 96
    2020-07-01 $119,000 (11.0%) $192,784 (14.3%) 0.00 85
    2020-08-01 $116,250 (8.9%) $191,274 (11.9%) 0.00 88
    2020-09-01 $114,950 (12.0%) $193,989 (17.8%) 0.00 80
    2020-10-01 $109,500 (9.7%) $185,824 (14.9%) 0.00 81
    2020-11-01 $117,000 (17.6%) $190,458 (11.5%) 0.00 72
    2020-12-01 $99,675 (4.3%) $164,608 (-1.3%) 0.00 77
    2021-01-01 $97,500 (8.7%) $165,866 (-0.6%) 0.00 76
    2021-02-01 $94,475 (6.8%) $171,758 (4.9%) 0.00 80
    2021-03-01 $90,575 (-3.6%) $162,114 (-2.1%) 0.00 75
    2021-04-01 $89,900 (-12.1%) $161,427 (-4.9%) 0.00 67
    2021-05-01 $117,400 (6.8%) $163,718 (-6.9%) 0.00 66
    2021-06-01 $108,650 (-13.9%) $160,698 (-16.9%) 0.00 64
    2021-07-01 $111,950 (-5.9%) $165,042 (-14.4%) 0.00 69
    2021-08-01 $116,600 (0.3%) $156,218 (-18.3%) 0.00 81
    2021-09-01 $119,750 (4.2%) $165,814 (-14.5%) 0.00 82
    2021-10-01 $124,500 (13.7%) $176,204 (-5.2%) 0.00 82
    2021-11-01 $149,900 (28.1%) $302,133 (58.6%) 0.00 86
    2021-12-01 $130,800 (31.2%) $295,003 (79.2%) 0.00 82
    2022-01-01 $138,000 (41.5%) $322,115 (94.2%) 0.00 71
    2022-02-01 $149,900 (58.7%) $334,522 (94.8%) 0.00 64
    2022-03-01 $169,350 (87.0%) $379,026 (133.8%) 0.00 51
    2022-04-01 $159,900 (77.9%) $397,158 (146.0%) 0.00 45
    2022-05-01 $150,875 (28.5%) $382,977 (133.9%) 0.00 51
    2022-06-01 $187,400 (72.5%) $420,577 (161.7%) 0.00 54
    2022-07-01 $193,500 (72.9%) $361,117 (118.8%) 0.00 74
    2022-08-01 $185,950 (59.5%) $346,761 (122.0%) 0.00 81
    2022-09-01 $174,975 (46.1%) $324,107 (95.5%) 0.00 83
    2022-10-01 $179,900 (44.5%) $342,196 (94.2%) 0.00 70
    2022-11-01 $175,000 (16.7%) $344,245 (13.9%) 0.00 65
    2022-12-01 $168,750 (29.0%) $353,113 (19.7%) 0.00 56
    2023-01-01 $179,200 (29.9%) $284,181 (-11.8%) 0.00 56
    2023-02-01 $190,450 (27.1%) $251,554 (-24.8%) 0.00 56
    2023-03-01 $212,950 (25.8%) $249,059 (-34.3%) 0.00 64
    2023-04-01 $213,900 (33.8%) $247,584 (-37.7%) 0.00 63
    2023-05-01 $198,925 (31.9%) $217,291 (-43.3%) 0.00 68
    2023-06-01 $189,950 (1.4%) $211,856 (-49.6%) 0.00 75
    2023-07-01 $187,400 (-3.2%) $224,878 (-37.7%) 0.00 83
    2023-08-01 $190,000 (2.2%) $237,164 (-31.6%) 0.00 78
    2023-09-01 $190,000 (8.6%) $246,300 (-24.0%) 0.00 84
    2023-10-01 $197,250 (9.6%) $253,603 (-25.9%) 0.00 83
    2023-11-01 $191,650 (9.5%) $258,538 (-24.9%) 0.00 86
    2023-12-01 $173,950 (3.1%) $252,751 (-28.4%) 0.00 75
    2024-01-01 $177,475 (-1.0%) $253,739 (-10.7%) 0.00 65
    2024-02-01 $158,750 (-16.6%) $238,738 (-5.1%) 0.00 73
    2024-03-01 $159,900 (-24.9%) $270,281 (8.5%) 0.00 79
    2024-04-01 $191,450 (-10.5%) $284,528 (14.9%) 0.00 81
    2024-05-01 $209,999 (5.6%) $286,570 (31.9%) 0.00 83
    2024-06-01 $199,900 (5.2%) $263,177 (24.2%) 0.00 93
    2024-07-01 $209,249 (11.7%) $254,600 (13.2%) 0.00 99
    2024-08-01 $209,900 (10.5%) $262,592 (10.7%) 0.00 105
    2024-09-01 $199,900 (5.2%) $278,561 (13.1%) 0.00 109
    2024-10-01 $204,900 (3.9%) $287,629 (13.4%) 0.00 108
    2024-11-01 $199,900 (4.3%) $282,759 (9.4%) 0.00 108
    2024-12-01 $199,900 (14.9%) $278,026 (10.0%) 0.00 102
    2025-01-01 $191,175 (7.7%) $257,106 (1.3%) 0.00 96
    2025-02-01 $187,400 (18.1%) $250,827 (5.1%) 0.00 88
    2025-03-01 $173,900 (8.8%) $258,067 (-4.5%) 0.00 97
    2025-04-01 $188,675 (-1.5%) $259,917 (-8.7%) 0.00 104
    Kirksville's median listing price for 2025-04-01 was $188,675, a difference of $-2,775 (-1.5%) versus the prior year and $14,775 versus the prior month.

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

    Kirksville's average listing price for 2025-04-01 was $259,917, a difference of $-24,611 (-8.7%) versus the prior year and $1,850 versus the prior month.

    For the 2025-04-01 period, Kirksville had 104 MLS listings, a difference of 7 listings (7%) versus the prior month and 23 listings (28%) 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 1,414 sqft
    2018-02-01 0 days 1,400 sqft
    2018-03-01 0 days 1,405 sqft
    2018-04-01 0 days 1,475 sqft
    2018-05-01 0 days 1,544 sqft
    2018-06-01 0 days 1,531 sqft
    2018-07-01 0 days 1,536 sqft
    2018-08-01 0 days 1,488 sqft
    2018-09-01 0 days 1,416 sqft
    2018-10-01 0 days 1,401 sqft
    2018-11-01 0 days 1,401 sqft
    2018-12-01 0 days 1,404 sqft
    2019-01-01 0 days 1,400 sqft
    2019-02-01 0 days 1,401 sqft
    2019-03-01 0 days 1,465 sqft
    2019-04-01 0 days 1,538 sqft
    2019-05-01 0 days 1,513 sqft
    2019-06-01 0 days 1,501 sqft
    2019-07-01 0 days 1,475 sqft
    2019-08-01 0 days 1,507 sqft
    2019-09-01 0 days 1,448 sqft
    2019-10-01 0 days 1,437 sqft
    2019-11-01 0 days 1,488 sqft
    2019-12-01 0 days 1,484 sqft
    2020-01-01 0 days 1,416 sqft
    2020-02-01 0 days 1,404 sqft
    2020-03-01 0 days 1,471 sqft
    2020-04-01 0 days 1,550 sqft
    2020-05-01 0 days 1,553 sqft
    2020-06-01 0 days 1,624 sqft
    2020-07-01 0 days 1,623 sqft
    2020-08-01 0 days 1,680 sqft
    2020-09-01 0 days 1,566 sqft
    2020-10-01 0 days 1,510 sqft
    2020-11-01 0 days 1,514 sqft
    2020-12-01 0 days 1,466 sqft
    2021-01-01 0 days 1,463 sqft
    2021-02-01 0 days 1,419 sqft
    2021-03-01 0 days 1,342 sqft
    2021-04-01 0 days 1,407 sqft
    2021-05-01 0 days 1,419 sqft
    2021-06-01 0 days 1,462 sqft
    2021-07-01 0 days 1,474 sqft
    2021-08-01 0 days 1,369 sqft
    2021-09-01 0 days 1,374 sqft
    2021-10-01 0 days 1,314 sqft
    2021-11-01 0 days 1,410 sqft
    2021-12-01 0 days 1,435 sqft
    2022-01-01 0 days 1,465 sqft
    2022-02-01 0 days 1,451 sqft
    2022-03-01 0 days 1,680 sqft
    2022-04-01 0 days 1,658 sqft
    2022-05-01 0 days 1,436 sqft
    2022-06-01 0 days 1,840 sqft
    2022-07-01 0 days 1,957 sqft
    2022-08-01 0 days 1,711 sqft
    2022-09-01 0 days 1,699 sqft
    2022-10-01 0 days 1,752 sqft
    2022-11-01 0 days 1,635 sqft
    2022-12-01 0 days 1,619 sqft
    2023-01-01 0 days 1,619 sqft
    2023-02-01 0 days 1,672 sqft
    2023-03-01 0 days 1,658 sqft
    2023-04-01 0 days 1,598 sqft
    2023-05-01 0 days 1,622 sqft
    2023-06-01 0 days 1,600 sqft
    2023-07-01 0 days 1,656 sqft
    2023-08-01 0 days 1,774 sqft
    2023-09-01 0 days 1,778 sqft
    2023-10-01 0 days 1,802 sqft
    2023-11-01 0 days 1,805 sqft
    2023-12-01 0 days 1,555 sqft
    2024-01-01 0 days 1,550 sqft
    2024-02-01 0 days 1,496 sqft
    2024-03-01 0 days 1,493 sqft
    2024-04-01 0 days 1,623 sqft
    2024-05-01 0 days 1,694 sqft
    2024-06-01 0 days 1,531 sqft
    2024-07-01 0 days 1,655 sqft
    2024-08-01 0 days 1,628 sqft
    2024-09-01 0 days 1,684 sqft
    2024-10-01 0 days 1,664 sqft
    2024-11-01 0 days 1,658 sqft
    2024-12-01 0 days 1,590 sqft
    2025-01-01 0 days 1,540 sqft
    2025-02-01 0 days 1,476 sqft
    2025-03-01 0 days 1,572 sqft
    2025-04-01 0 days 1,646 sqft
    Kirksville's median listing age (time on market) for 2025-04-01 was 0 days.

    Kirksville's median square footage for active listings during the 2025-04-01 period was 1,646 sqft. One year prior, the average listing was 1,623 sqft.

    Kirksville, MO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 240 $40,360,000 $168,167
    Refi 53 $10,375,000 $195,755
    Cash Out Refi 29 $4,545,000 $156,724
    Home Improvement 19 $1,245,000 $65,526
    Other 11 $605,000 $55,000

    Kirksville's most frequently cited loan purpose was Home Purchase, with 240 originations. The 2nd most popular reason was Refi, with 53 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 112 $20,010,000 $178,661
    7-8% 65 $11,625,000 $178,846
    Over 8% 38 $3,020,000 $79,474
    5-6% 31 $6,255,000 $201,774
    4-5% 9 $355,000 $39,444
    <2.5% 3 $15,000 $5,000
    3-4% 1 $175,000 $175,000

    During 2024, Kirksville's most frequently originated rate bucket was 6-7%, with 112 originations.

    Loan Sizing (Kirksville, MO MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 140 $20,150,000 $143,929
    $100,000 or less 116 $6,720,000 $57,931
    $200k-400k 81 $21,215,000 $261,914
    $400k-600k 10 $4,730,000 $473,000
    $600k-1000k 4 $3,190,000 $797,500
    $Over $1MM 1 $1,125,000 $1,125,000

    Kirksville's loan sizing saw the bucket of loans from $100k-200k with 140 originations, totaling $20,150,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 144 $26,110,000 $181,319
    60-80% 47 $7,805,000 $166,064
    40-60% 29 $4,155,000 $143,276
    Under 20% 22 $780,000 $35,455
    20-40% 10 $720,000 $72,000
    Over 100% 3 $1,065,000 $355,000

    Kirksville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 144 originations, totaling $26,110,000 in origination value.