Marshall Mortgage Rates

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

30 Year Fixed Rate mortgages in Marshall averaged 5.71% 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 6.12% and one month ago for the week of 2022-05-26, the average rate was 5.31%.

Marshall's average rate one year ago was 3.16%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.56%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Marshall 30 Year Fixed Rate 2022-06-30 5.71%
Marshall 30 Year Fixed Rate Refi 2022-06-30 5.56%
Marshall 15 Year Fixed Rate 2022-06-30 4.93%
Marshall 15 Year Fixed Rate Refi 2022-06-30 4.98%
Marshall 30 Year FHA 2022-06-30 5.9%
Marshall 30 Year FHA Refi 2022-06-30 5.47%
Marshall 30 Year USDA 2022-06-30 5.91%
Marshall 30 Year USDA Refi 2022-06-30 5.27%
Marshall 30 Year VA 2022-06-30 5.71%
Marshall 30 Year VA Refi 2022-06-30 5.36%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
FLAT BRANCH MORTGAGE, INC. 34 3.25% $2,426
Wood & Huston Bank 32 3.33% $1,785
First State Community Bank 7 3.22% $1,927
QUICKEN LOANS, LLC 6 3.23% $3,953
Flagstar Bank, FSB 5 3.10% $2,098
U.S. Bank 3 3.21% $2,083
CROSSCOUNTRY MORTGAGE, LLC 2 3.25% $3,164
Bank of America 2 3.19% $2,124
PLANET HOME LENDING, LLC 2 3.25% $1,780
The Central Trust Bank 2 3.44% $2,085
Ally Bank 2 3.31% $2,539
HOME POINT FINANCIAL CORPORATION 1 2.63% $3,139
JLB CORPORATION 1 3.13% $3,774
ALLIANCE CREDIT UNION 1 3.00% $4,321
LOANPAL, LLC 1 2.88% $5,209
Mortgage Research Center, LLC 1 2.25% $747
Mr. Cooper ( Nationstar Mortgage ) 1 3.38% $5,286
NEWREZ LLC 1 3.38% $3,122
North American Savings Bank, F.S.B. 1 2.75% $1,826
PREMIA MORTGAGE, LLC 1 2.75% $0
Prosperity Home Mortgage, LLC 1 3.13% $2,983
RED DIAMOND HOME LOANS, LLC 1 3.00% $2,912
RUOFF MORTGAGE COMPANY, INC. 1 2.88% $1,129
UNITED WHOLESALE MORTGAGE, LLC 1 3.50% $3,091
VERIDIAN CREDIT UNION 1 4.00% $1,654
Wells Fargo Bank 1 3.25% $850
WEST COMMUNITY 1 3.38% $2,274
LOANDEPOT.COM, LLC 1 2.38% $2,260
Bank of England 1 5.00% $1,483
BROKER SOLUTIONS, INC. 1 3.49% $4,292
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.88% $5,754
CENTRAL MISSOURI COMMUNITY CREDIT UNION 1 3.00% $2,337
COMMUNITY 1ST CREDIT UNION 1 3.50% $1,748
DAS Acquisition Company, LLC 1 3.38% $3,450
FCS Financial FLCA 1 3.95% $3,467
FINANCE OF AMERICA MORTGAGE LLC 1 2.99% $2,569
First State Bank of St. Charles, Missouri 1 3.00% $3,023
FREEDOM MORTGAGE CORPORATION 1 3.25% $2,659

Marshall, MO's 38 lenders originated 637 loans during 2021. The total origination value was $74,925,000, with an average loan value of $117,622.

The top Marshall lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 34 loans originated. Their average total fees are $2,426, which is $641 higher than the next largest lender, Wood & Huston Bank.

The lowest fee Marshall lenders (with over 10 loans originated) are Wood & Huston Bank ($1,785), FLAT BRANCH MORTGAGE, INC. ($2,426), .

The lowest rate Marshall lenders (with over 10 loans originated) are FLAT BRANCH MORTGAGE, INC. (3.25%), Wood & Huston Bank (3.33%), .

Marshall, 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. $17,695,000 $18,940,000 7.0% 25.3%
Wood & Huston Bank $18,480,000 $11,915,000 -35.5% 15.9%
Exchange Bank of Missouri $7,540,000 $7,675,000 1.8% 10.2%
Community Bank of Marshall $5,950,000 n/a 7.9%
QUICKEN LOANS, LLC $4,285,000 $3,985,000 -7.0% 5.3%
Flagstar Bank, FSB $935,000 $2,020,000 116.0% 2.7%
Mortgage Research Center, LLC $1,995,000 $1,560,000 -21.8% 2.1%
DAS Acquisition Company, LLC $435,000 $1,265,000 190.8% 1.7%
First State Community Bank $910,000 $1,165,000 28.0% 1.6%
PENNYMAC LOAN SERVICES, LLC $280,000 $1,140,000 307.1% 1.5%
UNITED WHOLESALE MORTGAGE, LLC $290,000 $915,000 215.5% 1.2%
MOVEMENT MORTGAGE, LLC $265,000 $860,000 224.5% 1.1%
Wells Fargo Bank $275,000 $800,000 190.9% 1.1%
U.S. Bank $520,000 $795,000 52.9% 1.1%
BROKER SOLUTIONS, INC. $415,000 $665,000 60.2% 0.9%
CROSSCOUNTRY MORTGAGE, LLC $660,000 n/a 0.9%
Carrington Mortgage Services, LLC $465,000 $655,000 40.9% 0.9%
Regional Missouri Bank $55,000 $560,000 918.2% 0.7%
Gateway First Bank $75,000 $555,000 640.0% 0.7%
FINANCE OF AMERICA MORTGAGE LLC $545,000 n/a 0.7%
First State Bank of St. Charles, Missouri $175,000 $505,000 188.6% 0.7%
Servion, Inc. $490,000 n/a 0.7%
Mr. Cooper ( Nationstar Mortgage ) $260,000 $460,000 76.9% 0.6%
FREEDOM MORTGAGE CORPORATION $1,705,000 $455,000 -73.3% 0.6%
GENEVA FINANCIAL, LLC $170,000 $435,000 155.9% 0.6%
FCS Financial FLCA $430,000 n/a 0.6%
MUTUAL OF OMAHA MORTGAGE, INC. $430,000 n/a 0.6%
UNION HOME MORTGAGE CORP. $270,000 $415,000 53.7% 0.6%
HOME POINT FINANCIAL CORPORATION $205,000 $360,000 75.6% 0.5%
North American Savings Bank, F.S.B. $345,000 n/a 0.5%
PLANET HOME LENDING, LLC $845,000 $345,000 -59.2% 0.5%
VILLAGE CAPITAL & INVESTMENT LLC $345,000 n/a 0.5%
LAKEVIEW LOAN SERVICING, LLC $335,000 n/a 0.4%
LOANDEPOT.COM, LLC $495,000 $330,000 -33.3% 0.4%
NEW DAY FINANCIAL, LLC $495,000 $315,000 -36.4% 0.4%
NEWREZ LLC $310,000 n/a 0.4%
WEST COMMUNITY $295,000 n/a 0.4%
HOMESIDE FINANCIAL, LLC $290,000 n/a 0.4%
The Central Trust Bank $290,000 n/a 0.4%
Ally Bank $280,000 n/a 0.4%
First Guaranty Mortgage Corporation $265,000 n/a 0.4%
JLB CORPORATION $260,000 n/a 0.3%
NAVY FEDERAL CREDIT UNION $145,000 $215,000 48.3% 0.3%
Bank of America $210,000 $210,000 0.0% 0.3%
BTC BANK $230,000 $210,000 -8.7% 0.3%
USAA Federal Savings Bank $145,000 $210,000 44.8% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $195,000 n/a 0.3%
PREMIA MORTGAGE, LLC $195,000 n/a 0.3%
Willamette Valley Bank $185,000 n/a 0.2%
RUOFF MORTGAGE COMPANY, INC. $165,000 n/a 0.2%
AMERISAVE MORTGAGE CORPORATION $145,000 n/a 0.2%
COMMUNITY 1ST CREDIT UNION $135,000 n/a 0.2%
FIRST INTEGRITY MORTGAGE SERVICES, INC. $135,000 n/a 0.2%
RED DIAMOND HOME LOANS, LLC $135,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $125,000 $125,000 0.0% 0.2%
COMMUNITY MORTGAGE, LLC $745,000 $125,000 -83.2% 0.2%
LOANPAL, LLC $230,000 $125,000 -45.7% 0.2%
CENTRAL MISSOURI COMMUNITY CREDIT UNION $25,000 $120,000 380.0% 0.2%
Bank of England $115,000 n/a 0.2%
ENDEAVOR CAPITAL, LLC. $115,000 n/a 0.2%
TRIAD FINANCIAL SERVICES, INC. $120,000 $115,000 -4.2% 0.2%
ALLIANCE CREDIT UNION $105,000 n/a 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $545,000 $105,000 -80.7% 0.1%
JPMorgan Chase Bank $75,000 $105,000 40.0% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $105,000 n/a 0.1%
CALIBER HOME LOANS, INC. $385,000 $95,000 -75.3% 0.1%
Prosperity Home Mortgage, LLC $95,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $85,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $75,000 n/a 0.1%
BMO Harris Bank $75,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $435,000 $75,000 -82.8% 0.1%
GERSHMAN INVESTMENT CORP. $165,000 $75,000 -54.5% 0.1%
ROYAL UNITED MORTGAGE LLC $105,000 $75,000 -28.6% 0.1%
VERIDIAN CREDIT UNION $75,000 n/a 0.1%
ACADEMY MORTGAGE CORPORATION $55,000 n/a 0.1%
COMMUNITYAMERICA $45,000 n/a 0.1%
Discover Bank $35,000 n/a 0.0%
River Region Credit Union $85,000 $35,000 -58.8% 0.0%
COMMERCIAL TRUST COMPANY OF FAYETTE $25,000 n/a 0.0%

Marshall's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 25.3% market share. In second place, with 15.9%, is Wood & Huston Bank, having originated $11,915,000 in loans. In third place, with 10.2%, is Exchange Bank of Missouri, having originated $7,675,000 in loans. In third place, with 7.9%, is Community Bank of Marshall, having originated $5,950,000 in loans. In third place, with 5.3%, is QUICKEN LOANS, LLC, having originated $3,985,000 in loans.


Marshall, MO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 343 $41,235,000 $120,219
Refi 163 $19,345,000 $118,681
Cash Out Refi 113 $12,985,000 $114,912
Home Improvement 14 $920,000 $65,714
Other 4 $440,000 $110,000

Marshall's most frequently cited loan purpose was Home Purchase, with 343 originations. The 2nd most popular reason was Refi, with 163 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 209 $25,875,000 $123,804
2.5-3% 154 $20,660,000 $134,156
<2.5% 56 $8,420,000 $150,357
4-5% 40 $3,520,000 $88,000
5-6% 23 $1,375,000 $59,783
6-7% 9 $585,000 $65,000
Over 8% 1 $35,000 $35,000

During 2021, Marshall's most frequently originated rate bucket was 3-4%, with 209 originations.

Loan Sizing (Marshall, MO MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 303 $19,325,000 $63,779
$100k-200k 264 $36,650,000 $138,826
$200k-400k 64 $16,140,000 $252,188
$400k-600k 6 $2,810,000 $468,333

Marshall's loan sizing saw the bucket of loans from $100,000 or less with 303 originations, totaling $19,325,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 285 $36,105,000 $126,684
60-80% 121 $15,305,000 $126,488
40-60% 45 $4,845,000 $107,667
Over 100% 13 $1,605,000 $123,462
20-40% 11 $725,000 $65,909
Under 20% 9 $295,000 $32,778

Marshall's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 285 originations, totaling $36,105,000 in origination value.


Market Conditions (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 $84,900 (-9.0%) $108,121 (-5.3%) 0.00 109
2018-02-01 $84,900 (-16.4%) $110,149 (-8.0%) 0.00 116
2018-03-01 $97,000 (-9.7%) $115,577 (-7.5%) 0.00 109
2018-04-01 $103,700 (-4.7%) $120,098 (-5.9%) 0.00 109
2018-05-01 $118,500 (14.5%) $126,394 (1.5%) 0.00 113
2018-06-01 $124,900 (13.7%) $130,967 (7.2%) 0.00 116
2018-07-01 $129,500 (20.5%) $133,390 (8.9%) 0.00 103
2018-08-01 $122,500 (14.6%) $130,069 (6.1%) 0.00 110
2018-09-01 $129,500 (21.1%) $137,040 (11.3%) 0.00 117
2018-10-01 $134,900 (42.1%) $136,370 (19.7%) 0.00 120
2018-11-01 $122,500 (36.6%) $130,422 (20.7%) 0.00 109
2018-12-01 $124,000 (40.9%) $128,105 (19.8%) 0.00 105
2019-01-01 $111,950 (31.9%) $124,410 (15.1%) 0.00 106
2019-02-01 $99,900 (17.7%) $125,336 (13.8%) 0.00 104
2019-03-01 $110,814 (14.2%) $131,038 (13.4%) 0.00 101
2019-04-01 $134,400 (29.6%) $140,928 (17.3%) 0.00 97
2019-05-01 $139,000 (17.3%) $150,341 (19.0%) 0.00 94
2019-06-01 $137,900 (10.4%) $154,616 (18.1%) 0.00 99
2019-07-01 $124,750 (-3.7%) $148,904 (11.6%) 0.00 94
2019-08-01 $123,800 (1.1%) $149,293 (14.8%) 0.00 94
2019-09-01 $128,350 (-0.9%) $154,770 (12.9%) 0.00 92
2019-10-01 $122,000 (-9.6%) $156,900 (15.1%) 0.00 88
2019-11-01 $125,000 (2.0%) $154,655 (18.6%) 0.00 89
2019-12-01 $125,000 (0.8%) $145,872 (13.9%) 0.00 93
2020-01-01 $128,900 (15.1%) $145,210 (16.7%) 0.00 96
2020-02-01 $135,000 (35.1%) $152,091 (21.4%) 0.00 91
2020-03-01 $139,700 (26.1%) $150,294 (14.7%) 0.00 84
2020-04-01 $144,250 (7.3%) $155,307 (10.2%) 0.00 84
2020-05-01 $142,000 (2.2%) $160,180 (6.5%) 0.00 77
2020-06-01 $131,200 (-4.9%) $155,453 (0.5%) 0.00 69
2020-07-01 $125,000 (0.2%) $160,967 (8.1%) 0.00 67
2020-08-01 $129,500 (4.6%) $167,357 (12.1%) 0.00 60
2020-09-01 $138,450 (7.9%) $172,216 (11.3%) 0.00 57
2020-10-01 $119,500 (-2.1%) $141,978 (-9.5%) 0.00 59
2020-11-01 $110,450 (-11.6%) $137,315 (-11.2%) 0.00 62
2020-12-01 $99,500 (-20.4%) $134,417 (-7.9%) 0.00 55
2021-01-01 $89,000 (-31.0%) $128,783 (-11.3%) 0.00 49
2021-02-01 $102,000 (-24.4%) $149,751 (-1.5%) 0.00 43
2021-03-01 $115,950 (-17.0%) $158,469 (5.4%) 0.00 33
2021-04-01 $129,900 (-10.0%) $164,190 (5.7%) 0.00 31
2021-05-01 $120,000 (-15.5%) $149,317 (-6.8%) 0.00 33
2021-06-01 $136,450 (4.0%) $164,887 (6.1%) 0.00 28
2021-07-01 $127,000 (1.6%) $155,005 (-3.7%) 0.00 25
2021-08-01 $137,000 (5.8%) $169,232 (1.1%) 0.00 36
2021-09-01 $155,150 (12.1%) $190,223 (10.5%) 0.00 38
2021-10-01 $139,000 (16.3%) $172,217 (21.3%) 0.00 43
2021-11-01 $143,500 (29.9%) $193,513 (40.9%) 0.00 37
2021-12-01 $138,500 (39.2%) $196,518 (46.2%) 0.00 34
2022-01-01 $136,000 (52.8%) $196,881 (52.9%) 0.00 31
2022-02-01 $129,950 (27.4%) $196,407 (31.2%) 0.00 31
2022-03-01 $120,000 (3.5%) $192,623 (21.6%) 0.00 34
2022-04-01 $170,000 (30.9%) $193,276 (17.7%) 0.00 35
2022-05-01 $181,450 (51.2%) $196,370 (31.5%) 0.00 37
2022-06-01 $157,500 (15.4%) $185,200 (12.3%) 0.00 43
Marshall's median listing price for 2022-06-01 was $157,500, a difference of $21,050 (15.4%) versus the prior year and $-23,950 versus the prior month.

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

Marshall's average listing price for 2022-06-01 was $185,200, a difference of $20,313 (12.3%) versus the prior year and $-11,170 versus the prior month.

For the 2022-06-01 period, Marshall had 43 MLS listings, a difference of 6 listings (16%) versus the prior month and 15 listings (54%) 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 1,404 sqft
2018-02-01 0 days 1,404 sqft
2018-03-01 0 days 1,412 sqft
2018-04-01 0 days 1,450 sqft
2018-05-01 0 days 1,604 sqft
2018-06-01 0 days 1,604 sqft
2018-07-01 0 days 1,604 sqft
2018-08-01 0 days 1,722 sqft
2018-09-01 0 days 1,748 sqft
2018-10-01 0 days 1,883 sqft
2018-11-01 0 days 1,720 sqft
2018-12-01 0 days 1,638 sqft
2019-01-01 0 days 1,621 sqft
2019-02-01 0 days 1,678 sqft
2019-03-01 0 days 1,747 sqft
2019-04-01 0 days 1,865 sqft
2019-05-01 0 days 1,988 sqft
2019-06-01 0 days 1,944 sqft
2019-07-01 0 days 1,938 sqft
2019-08-01 0 days 1,924 sqft
2019-09-01 0 days 1,908 sqft
2019-10-01 0 days 1,885 sqft
2019-11-01 0 days 1,836 sqft
2019-12-01 0 days 1,740 sqft
2020-01-01 0 days 1,747 sqft
2020-02-01 0 days 1,826 sqft
2020-03-01 0 days 1,824 sqft
2020-04-01 0 days 1,761 sqft
2020-05-01 0 days 1,704 sqft
2020-06-01 0 days 1,686 sqft
2020-07-01 0 days 1,719 sqft
2020-08-01 0 days 1,719 sqft
2020-09-01 0 days 1,644 sqft
2020-10-01 0 days 1,600 sqft
2020-11-01 0 days 1,428 sqft
2020-12-01 0 days 1,495 sqft
2021-01-01 0 days 1,582 sqft
2021-02-01 0 days 1,601 sqft
2021-03-01 0 days 1,680 sqft
2021-04-01 0 days 1,800 sqft
2021-05-01 0 days 1,568 sqft
2021-06-01 0 days 1,416 sqft
2021-07-01 0 days 1,271 sqft
2021-08-01 0 days 1,435 sqft
2021-09-01 0 days 1,565 sqft
2021-10-01 0 days 1,525 sqft
2021-11-01 0 days 1,395 sqft
2021-12-01 0 days 1,440 sqft
2022-01-01 0 days 1,264 sqft
2022-02-01 0 days 1,440 sqft
2022-03-01 0 days 1,415 sqft
2022-04-01 0 days 1,622 sqft
2022-05-01 0 days 1,640 sqft
2022-06-01 0 days 1,534 sqft
Marshall's median listing age (time on market) for 2022-06-01 was 0 days.

Marshall's median square footage for active listings during the 2022-06-01 period was 1,534 sqft. One year prior, the average listing was 1,416 sqft.