Marshall Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Marshall averaged 6.84% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.75% and one month ago for the week of 2025-02-27, the average rate was 6.96%.

Marshall's average rate one year ago was 6.79%.

For refis of the same type during the week of 2025-04-03, the average rate was 6.84%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Marshall 30 Year Fixed Rate 2025-04-03 6.84%
Marshall 30 Year Fixed Rate Refi 2025-04-03 6.84%
Marshall 15 Year Fixed Rate 2025-04-03 5.82%
Marshall 15 Year Fixed Rate Refi 2025-04-03 6.22%
Marshall 30 Year FHA 2025-04-03 6.06%
Marshall 30 Year FHA Refi 2025-04-03 6.06%
Marshall 30 Year USDA 2025-04-03 6.52%
Marshall 30 Year USDA Refi 2025-04-03 6.12%
Marshall 30 Year VA 2025-04-03 6.16%
Marshall 30 Year VA Refi 2025-04-03 6.16%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Marshall, MO.

Marshall 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 Marshall, 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. 18 6.63% $2,911
Flagstar Bank, FSB 7 6.85% $2,533
Midwest Mortgage Associates Corporation 7 6.73% $2,118
QUICKEN LOANS, LLC 3 6.92% $3,728
The Central Trust Bank 2 6.88% $2,684
UNITED WHOLESALE MORTGAGE, LLC 2 7.00% $4,311
LOANDEPOT.COM, LLC 2 7.06% $6,280
SUMMIT FUNDING, INC. 1 6.99% $5,331
The Federal Savings Bank 1 6.88% $6,143
UNION HOME MORTGAGE CORP. 1 7.88% $6,440
Wells Fargo Bank 1 7.75% $9,825
COMMUNITYAMERICA 1 6.25% $2,267
Wichita Federal Credit Union 1 8.00% $2,666
DAS Acquisition Company, LLC 1 7.13% $2,719
GENEVA FINANCIAL, LLC 1 5.63% $0
HALLMARK HOME MORTGAGE, LLC 1 6.99% $3,169
Mr. Cooper ( Nationstar Mortgage ) 1 7.49% $9,169
PREMIA MORTGAGE, LLC 1 6.78% $0
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.63% $3,905

Marshall Average Closing Costs & Other Stats

Marshall, MO's 19 lenders originated 388 loans during 2024. The total origination value was $54,360,000, with an average loan value of $140,103.

Marshall's average closing costs are $3,716.

The top Marshall lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 18 loans originated. Their average total fees are $2,911, which is $378 higher than the next largest lender, Flagstar Bank, FSB.

The lowest fee Marshall lenders (with over 10 loans originated) are FLAT BRANCH MORTGAGE, INC. ($2,911), .

The lowest rate Marshall lenders (with over 10 loans originated) are FLAT BRANCH MORTGAGE, INC. (6.63%), .

Marshall, 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
Wood & Huston Bank $7,455,000 $12,190,000 63.5% 22.4%
FLAT BRANCH MORTGAGE, INC. $8,320,000 $9,855,000 18.4% 18.1%
Midwest Mortgage Associates Corporation $2,085,000 $3,580,000 71.7% 6.6%
Exchange Bank of Missouri $3,085,000 $2,960,000 -4.1% 5.4%
Flagstar Bank, FSB $805,000 $2,855,000 254.7% 5.3%
Community Bank of Marshall $2,665,000 $2,595,000 -2.6% 4.8%
Mortgage Research Center, LLC $1,915,000 $2,045,000 6.8% 3.8%
QUICKEN LOANS, LLC $2,110,000 $1,740,000 -17.5% 3.2%
Regional Missouri Bank $375,000 $1,450,000 286.7% 2.7%
UNITED WHOLESALE MORTGAGE, LLC $435,000 $750,000 72.4% 1.4%
LOANDEPOT.COM, LLC $605,000 $590,000 -2.5% 1.1%
Cornerstone Bank $555,000 n/a 1.0%
COMMUNITYAMERICA $515,000 n/a 0.9%
NEW DAY FINANCIAL, LLC $185,000 $440,000 137.8% 0.8%
The Central Trust Bank $745,000 $440,000 -40.9% 0.8%
STATE BANK OF MISOSURI $35,000 $410,000 1,071.4% 0.8%
NEWREZ LLC $185,000 $395,000 113.5% 0.7%
CHURCHILL MORTGAGE CORPORATION $360,000 n/a 0.7%
ENDEAVOR CAPITAL, LLC. $225,000 $350,000 55.6% 0.6%
GENEVA FINANCIAL, LLC $360,000 $350,000 -2.8% 0.6%
Wells Fargo Bank $340,000 n/a 0.6%
PENNYMAC LOAN SERVICES, LLC $280,000 $330,000 17.9% 0.6%
PRIMELENDING, A PLAINSCAPITAL COMPANY $310,000 $330,000 6.5% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $170,000 $310,000 82.4% 0.6%
City Lending Inc. $305,000 n/a 0.6%
SUMMIT FUNDING, INC. $300,000 n/a 0.6%
USAA Federal Savings Bank $295,000 n/a 0.5%
Gateway First Bank $370,000 $290,000 -21.6% 0.5%
COMMUNITY MORTGAGE, LLC $410,000 $260,000 -36.6% 0.5%
GERSHMAN INVESTMENT CORP. $55,000 $245,000 345.5% 0.5%
HOMESIDE FINANCIAL, LLC $225,000 n/a 0.4%
First State Community Bank $1,420,000 $215,000 -84.9% 0.4%
Texana Bank $215,000 n/a 0.4%
DAS Acquisition Company, LLC $340,000 $205,000 -39.7% 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $195,000 n/a 0.4%
Bank of America $65,000 $185,000 184.6% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $215,000 $185,000 -14.0% 0.3%
Wells Bank $185,000 n/a 0.3%
PREMIA MORTGAGE, LLC $335,000 $175,000 -47.8% 0.3%
UNION HOME MORTGAGE CORP. $175,000 n/a 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $165,000 n/a 0.3%
PREMIER MORTGAGE RESOURCES, L.L.C. $165,000 n/a 0.3%
Southwest Airlines Federal Credit Union $165,000 n/a 0.3%
VILLAGE CAPITAL MORTGAGE $165,000 n/a 0.3%
Mid-Continent Funding, Inc. $160,000 n/a 0.3%
JLB CORPORATION $155,000 n/a 0.3%
The Federal Savings Bank $155,000 n/a 0.3%
Wichita Federal Credit Union $155,000 n/a 0.3%
Bank of Odessa $150,000 n/a 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $435,000 $145,000 -66.7% 0.3%
COMMERCIAL TRUST COMPANY OF FAYETTE $135,000 n/a 0.2%
Prosperity Home Mortgage, LLC $135,000 n/a 0.2%
CENTRAL MISSOURI COMMUNITY CREDIT UNION $605,000 $125,000 -79.3% 0.2%
Equity Bank $320,000 $115,000 -64.1% 0.2%
FINANCE OF AMERICA REVERSE LLC $115,000 n/a 0.2%
HOMEXPRESS MORTGAGE CORP. $105,000 n/a 0.2%
BTC BANK $580,000 $100,000 -82.8% 0.2%
AMWEST FUNDING CORP. $95,000 n/a 0.2%
HALLMARK HOME MORTGAGE, LLC $175,000 $95,000 -45.7% 0.2%
NBH Bank $380,000 $95,000 -75.0% 0.2%
FREEDOM MORTGAGE CORPORATION $135,000 $85,000 -37.0% 0.2%
ROYAL UNITED MORTGAGE LLC $115,000 $85,000 -26.1% 0.2%
The Tipton Latham Bank $75,000 n/a 0.1%
Figure Lending LLC $55,000 n/a 0.1%
NAVY FEDERAL CREDIT UNION $45,000 n/a 0.1%
River Region Credit Union $45,000 n/a 0.1%
Community National Bank & Trust $35,000 n/a 0.1%
Discover Bank $35,000 $35,000 0.0% 0.1%

Marshall's top lender by overall market share is Wood & Huston Bank, with 22.4% market share. In second place, with 18.1%, is FLAT BRANCH MORTGAGE, INC., having originated $9,855,000 in loans. In third place, with 6.6%, is Midwest Mortgage Associates Corporation, having originated $3,580,000 in loans. In fourth place, with 5.4%, is Exchange Bank of Missouri, having originated $2,960,000 in loans. In fifth place, with 5.3%, is Flagstar Bank, FSB, having originated $2,855,000 in loans.


Marshall Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Marshall (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 $83,900 (-9.9%) $108,483 (-3.6%) 0.00 109
2018-02-01 $86,050 (-12.6%) $110,833 (-4.7%) 0.00 117
2018-03-01 $96,000 (-5.1%) $115,446 (-4.9%) 0.00 109
2018-04-01 $105,575 (-1.8%) $120,340 (-4.0%) 0.00 110
2018-05-01 $118,375 (15.8%) $126,803 (3.7%) 0.00 113
2018-06-01 $123,200 (13.3%) $130,967 (8.2%) 0.00 115
2018-07-01 $129,125 (20.8%) $133,785 (9.2%) 0.00 103
2018-08-01 $121,950 (13.3%) $130,069 (5.7%) 0.00 111
2018-09-01 $129,500 (21.1%) $136,501 (12.3%) 0.00 116
2018-10-01 $130,000 (38.8%) $134,911 (19.2%) 0.00 120
2018-11-01 $123,750 (38.1%) $130,697 (20.8%) 0.00 110
2018-12-01 $124,000 (40.9%) $128,629 (19.5%) 0.00 105
2019-01-01 $113,725 (35.6%) $123,448 (13.8%) 0.00 106
2019-02-01 $104,800 (21.8%) $123,041 (11.0%) 0.00 102
2019-03-01 $112,743 (17.4%) $129,168 (11.9%) 0.00 97
2019-04-01 $135,900 (28.7%) $139,279 (15.7%) 0.00 93
2019-05-01 $138,750 (17.2%) $148,115 (16.8%) 0.00 92
2019-06-01 $136,500 (10.8%) $150,178 (14.7%) 0.00 96
2019-07-01 $120,975 (-6.3%) $144,572 (8.1%) 0.00 93
2019-08-01 $118,782 (-2.6%) $147,121 (13.1%) 0.00 92
2019-09-01 $117,780 (-9.1%) $151,235 (10.8%) 0.00 90
2019-10-01 $117,111 (-9.9%) $156,371 (15.9%) 0.00 86
2019-11-01 $124,900 (0.9%) $151,829 (16.2%) 0.00 88
2019-12-01 $124,225 (0.2%) $142,738 (11.0%) 0.00 92
2020-01-01 $127,600 (12.2%) $140,203 (13.6%) 0.00 95
2020-02-01 $129,950 (24.0%) $145,347 (18.1%) 0.00 92
2020-03-01 $134,725 (19.5%) $145,584 (12.7%) 0.00 82
2020-04-01 $132,325 (-2.6%) $146,638 (5.3%) 0.00 80
2020-05-01 $139,700 (0.7%) $150,981 (1.9%) 0.00 72
2020-06-01 $118,750 (-13.0%) $143,587 (-4.4%) 0.00 65
2020-07-01 $116,875 (-3.4%) $150,385 (4.0%) 0.00 63
2020-08-01 $119,500 (0.6%) $159,362 (8.3%) 0.00 56
2020-09-01 $134,975 (14.6%) $164,837 (9.0%) 0.00 56
2020-10-01 $119,500 (2.0%) $141,813 (-9.3%) 0.00 59
2020-11-01 $109,475 (-12.4%) $138,233 (-9.0%) 0.00 61
2020-12-01 $99,500 (-19.9%) $135,588 (-5.0%) 0.00 55
2021-01-01 $89,000 (-30.3%) $127,694 (-8.9%) 0.00 48
2021-02-01 $99,750 (-23.2%) $145,926 (0.4%) 0.00 42
2021-03-01 $106,550 (-20.9%) $154,166 (5.9%) 0.00 33
2021-04-01 $117,450 (-11.2%) $158,912 (8.4%) 0.00 35
2021-05-01 $114,950 (-17.7%) $141,889 (-6.0%) 0.00 34
2021-06-01 $135,725 (14.3%) $165,181 (15.0%) 0.00 29
2021-07-01 $125,000 (7.0%) $153,181 (1.9%) 0.00 27
2021-08-01 $139,500 (16.7%) $168,731 (5.9%) 0.00 38
2021-09-01 $156,400 (15.9%) $190,038 (15.3%) 0.00 39
2021-10-01 $139,000 (16.3%) $169,277 (19.4%) 0.00 47
2021-11-01 $134,100 (22.5%) $187,713 (35.8%) 0.00 39
2021-12-01 $136,875 (37.6%) $194,670 (43.6%) 0.00 35
2022-01-01 $136,750 (53.7%) $197,923 (55.0%) 0.00 31
2022-02-01 $127,000 (27.3%) $195,668 (34.1%) 0.00 31
2022-03-01 $120,000 (12.6%) $193,898 (25.8%) 0.00 34
2022-04-01 $172,450 (46.8%) $189,528 (19.3%) 0.00 33
2022-05-01 $181,725 (58.1%) $194,463 (37.1%) 0.00 37
2022-06-01 $157,000 (15.7%) $180,785 (9.5%) 0.00 42
2022-07-01 $159,000 (27.2%) $181,013 (18.2%) 0.00 44
2022-08-01 $147,000 (5.4%) $167,219 (-0.9%) 0.00 58
2022-09-01 $149,450 (-4.4%) $179,480 (-5.6%) 0.00 64
2022-10-01 $149,900 (7.8%) $184,892 (9.2%) 0.00 61
2022-11-01 $148,750 (10.9%) $180,441 (-3.9%) 0.00 64
2022-12-01 $159,900 (16.8%) $177,848 (-8.6%) 0.00 58
2023-01-01 $148,500 (8.6%) $161,539 (-18.4%) 0.00 59
2023-02-01 $147,500 (16.1%) $164,197 (-16.1%) 0.00 59
2023-03-01 $147,250 (22.7%) $165,635 (-14.6%) 0.00 54
2023-04-01 $149,900 (-13.1%) $168,342 (-11.2%) 0.00 47
2023-05-01 $152,450 (-16.1%) $181,456 (-6.7%) 0.00 46
2023-06-01 $166,450 (6.0%) $203,660 (12.7%) 0.00 45
2023-07-01 $175,000 (10.1%) $205,776 (13.7%) 0.00 53
2023-08-01 $183,750 (25.0%) $204,451 (22.3%) 0.00 65
2023-09-01 $199,950 (33.8%) $217,998 (21.5%) 0.00 63
2023-10-01 $183,625 (22.5%) $210,524 (13.9%) 0.00 63
2023-11-01 $184,725 (24.2%) $224,050 (24.2%) 0.00 62
2023-12-01 $192,500 (20.4%) $238,238 (34.0%) 0.00 53
2024-01-01 $187,250 (26.1%) $226,677 (40.3%) 0.00 48
2024-02-01 $192,500 (30.5%) $238,035 (45.0%) 0.00 47
2024-03-01 $195,000 (32.4%) $239,287 (44.5%) 0.00 46
2024-04-01 $195,000 (30.1%) $225,365 (33.9%) 0.00 38
2024-05-01 $199,450 (30.8%) $233,822 (28.9%) 0.00 43
2024-06-01 $199,900 (20.1%) $221,011 (8.5%) 0.00 45
2024-07-01 $163,200 (-6.7%) $215,537 (4.7%) 0.00 48
2024-08-01 $175,000 (-4.8%) $230,376 (12.7%) 0.00 49
2024-09-01 $187,200 (-6.4%) $235,710 (8.1%) 0.00 44
2024-10-01 $189,900 (3.4%) $246,346 (17.0%) 0.00 45
2024-11-01 $200,000 (8.3%) $271,384 (21.1%) 0.00 53
2024-12-01 $180,999 (-6.0%) $249,575 (4.8%) 0.00 54
2025-01-01 $181,246 (-3.2%) $229,769 (1.4%) 0.00 48
2025-02-01 $177,498 (-7.8%) $219,102 (-8.0%) 0.00 53
2025-03-01 $180,000 (-7.7%) $213,247 (-10.9%) 0.00 51
Marshall's median listing price for 2025-03-01 was $180,000, a difference of $-15,000 (-7.7%) versus the prior year and $2,502 versus the prior month.

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

Marshall's average listing price for 2025-03-01 was $213,247, a difference of $-26,040 (-10.9%) versus the prior year and $-5,855 versus the prior month.

For the 2025-03-01 period, Marshall had 51 MLS listings, a difference of -2 listings (-4%) versus the prior month and 5 listings (11%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Marshall (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,375 sqft
2018-02-01 0 days 1,403 sqft
2018-03-01 0 days 1,412 sqft
2018-04-01 0 days 1,450 sqft
2018-05-01 0 days 1,595 sqft
2018-06-01 0 days 1,621 sqft
2018-07-01 0 days 1,604 sqft
2018-08-01 0 days 1,696 sqft
2018-09-01 0 days 1,748 sqft
2018-10-01 0 days 1,855 sqft
2018-11-01 0 days 1,700 sqft
2018-12-01 0 days 1,638 sqft
2019-01-01 0 days 1,621 sqft
2019-02-01 0 days 1,655 sqft
2019-03-01 0 days 1,726 sqft
2019-04-01 0 days 1,853 sqft
2019-05-01 0 days 1,955 sqft
2019-06-01 0 days 1,938 sqft
2019-07-01 0 days 1,902 sqft
2019-08-01 0 days 1,880 sqft
2019-09-01 0 days 1,864 sqft
2019-10-01 0 days 1,868 sqft
2019-11-01 0 days 1,863 sqft
2019-12-01 0 days 1,734 sqft
2020-01-01 0 days 1,740 sqft
2020-02-01 0 days 1,793 sqft
2020-03-01 0 days 1,818 sqft
2020-04-01 0 days 1,757 sqft
2020-05-01 0 days 1,686 sqft
2020-06-01 0 days 1,592 sqft
2020-07-01 0 days 1,617 sqft
2020-08-01 0 days 1,668 sqft
2020-09-01 0 days 1,643 sqft
2020-10-01 0 days 1,600 sqft
2020-11-01 0 days 1,427 sqft
2020-12-01 0 days 1,495 sqft
2021-01-01 0 days 1,428 sqft
2021-02-01 0 days 1,601 sqft
2021-03-01 0 days 1,652 sqft
2021-04-01 0 days 1,744 sqft
2021-05-01 0 days 1,498 sqft
2021-06-01 0 days 1,432 sqft
2021-07-01 0 days 1,272 sqft
2021-08-01 0 days 1,422 sqft
2021-09-01 0 days 1,543 sqft
2021-10-01 0 days 1,460 sqft
2021-11-01 0 days 1,354 sqft
2021-12-01 0 days 1,438 sqft
2022-01-01 0 days 1,370 sqft
2022-02-01 0 days 1,309 sqft
2022-03-01 0 days 1,358 sqft
2022-04-01 0 days 1,600 sqft
2022-05-01 0 days 1,599 sqft
2022-06-01 0 days 1,511 sqft
2022-07-01 0 days 1,580 sqft
2022-08-01 0 days 1,392 sqft
2022-09-01 0 days 1,373 sqft
2022-10-01 0 days 1,519 sqft
2022-11-01 0 days 1,550 sqft
2022-12-01 0 days 1,671 sqft
2023-01-01 0 days 1,532 sqft
2023-02-01 0 days 1,551 sqft
2023-03-01 0 days 1,549 sqft
2023-04-01 0 days 1,638 sqft
2023-05-01 0 days 1,753 sqft
2023-06-01 0 days 1,681 sqft
2023-07-01 0 days 1,728 sqft
2023-08-01 0 days 1,694 sqft
2023-09-01 0 days 1,731 sqft
2023-10-01 0 days 1,729 sqft
2023-11-01 0 days 1,734 sqft
2023-12-01 0 days 1,707 sqft
2024-01-01 0 days 1,725 sqft
2024-02-01 0 days 1,666 sqft
2024-03-01 0 days 1,680 sqft
2024-04-01 0 days 1,768 sqft
2024-05-01 0 days 1,793 sqft
2024-06-01 0 days 1,763 sqft
2024-07-01 0 days 1,468 sqft
2024-08-01 0 days 1,396 sqft
2024-09-01 0 days 1,568 sqft
2024-10-01 0 days 1,460 sqft
2024-11-01 0 days 1,606 sqft
2024-12-01 0 days 1,554 sqft
2025-01-01 0 days 1,658 sqft
2025-02-01 0 days 1,665 sqft
2025-03-01 0 days 1,618 sqft
Marshall's median listing age (time on market) for 2025-03-01 was 0 days.

Marshall's median square footage for active listings during the 2025-03-01 period was 1,618 sqft. One year prior, the average listing was 1,680 sqft.

Marshall, MO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 233 $34,355,000 $147,446
Refi 67 $10,845,000 $161,866
Cash Out Refi 64 $7,980,000 $124,688
Other 14 $810,000 $57,857
Home Improvement 10 $370,000 $37,000

Marshall's most frequently cited loan purpose was Home Purchase, with 233 originations. The 2nd most popular reason was Refi, with 67 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 136 $19,770,000 $145,368
7-8% 50 $8,890,000 $177,800
5-6% 23 $3,815,000 $165,870
Over 8% 10 $540,000 $54,000
4-5% 4 $490,000 $122,500
<2.5% 1 $5,000 $5,000

During 2024, Marshall's most frequently originated rate bucket was 6-7%, with 136 originations.

Loan Sizing (Marshall, MO MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 175 $25,475,000 $145,571
$100,000 or less 158 $9,290,000 $58,797
$200k-400k 48 $12,520,000 $260,833
$400k-600k 3 $1,565,000 $521,667
$Over $1MM 3 $4,735,000 $1,578,333
$600k-1000k 1 $775,000 $775,000

Marshall's loan sizing saw the bucket of loans from $100k-200k with 175 originations, totaling $25,475,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 143 $22,995,000 $160,804
60-80% 39 $4,905,000 $125,769
40-60% 15 $1,435,000 $95,667
20-40% 10 $540,000 $54,000
Under 20% 8 $250,000 $31,250
Over 100% 4 $2,590,000 $647,500

Marshall's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 143 originations, totaling $22,995,000 in origination value.