Kirksville Mortgage Rates & Closing Costs

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  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
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  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Kirksville averaged 6.9% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2023-03-09) was 7.23% and one month ago for the week of 2023-02-09, the average rate was 6.62%.

    Kirksville's average rate one year ago was 4.25%.

    For refis of the same type during the week of 2023-03-16, the average rate was 6.58%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Kirksville 30 Year Fixed Rate 2023-03-16 6.9%
    Kirksville 30 Year Fixed Rate Refi 2023-03-16 6.58%
    Kirksville 15 Year Fixed Rate 2023-03-16 6.44%
    Kirksville 15 Year Fixed Rate Refi 2023-03-16 5.91%
    Kirksville 30 Year FHA 2023-03-16 6.7%
    Kirksville 30 Year FHA Refi 2023-03-16 6.33%
    Kirksville 30 Year USDA 2023-03-16 6.66%
    Kirksville 30 Year VA 2023-03-16 6.42%
    Kirksville 30 Year VA Refi 2023-03-16 6.06%
    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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
    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 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 Average Closing Costs & Other Stats

    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.

    Kirksville's average closing costs are $3,321.

    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 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 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 fourth place, with 8.0%, is FLAT BRANCH MORTGAGE, INC., having originated $6,945,000 in loans. In fifth place, with 5.3%, is NBH Bank, having originated $4,625,000 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
    Kirksville's median listing price for 2023-02-01 was $190,450, a difference of $40,550 (27.1%) versus the prior year and $11,250 versus the prior month.

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

    Kirksville's average listing price for 2023-02-01 was $251,554, a difference of $-82,968 (-24.8%) versus the prior year and $-32,627 versus the prior month.

    For the 2023-02-01 period, Kirksville had 56 MLS listings, a difference of 0 listings (0%) versus the prior month and -8 listings (-13%) 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 1,530 sqft
    2018-06-01 0 days 1,501 sqft
    2018-07-01 0 days 1,526 sqft
    2018-08-01 0 days 1,466 sqft
    2018-09-01 0 days 1,413 sqft
    2018-10-01 0 days 1,400 sqft
    2018-11-01 0 days 1,401 sqft
    2018-12-01 0 days 1,405 sqft
    2019-01-01 0 days 1,401 sqft
    2019-02-01 0 days 1,402 sqft
    2019-03-01 0 days 1,476 sqft
    2019-04-01 0 days 1,549 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 1,449 sqft
    2019-10-01 0 days 1,440 sqft
    2019-11-01 0 days 1,500 sqft
    2019-12-01 0 days 1,497 sqft
    2020-01-01 0 days 1,438 sqft
    2020-02-01 0 days 1,405 sqft
    2020-03-01 0 days 1,488 sqft
    2020-04-01 0 days 1,561 sqft
    2020-05-01 0 days 1,575 sqft
    2020-06-01 0 days 1,635 sqft
    2020-07-01 0 days 1,646 sqft
    2020-08-01 0 days 1,680 sqft
    2020-09-01 0 days 1,578 sqft
    2020-10-01 0 days 1,518 sqft
    2020-11-01 0 days 1,534 sqft
    2020-12-01 0 days 1,474 sqft
    2021-01-01 0 days 1,468 sqft
    2021-02-01 0 days 1,433 sqft
    2021-03-01 0 days 1,348 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
    Kirksville's median listing age (time on market) for 2023-02-01 was 0 days.

    Kirksville's median square footage for active listings during the 2023-02-01 period was 1,672 sqft. One year prior, the average listing was 1,451 sqft.

    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.