Moberly Mortgage Rates
30 Year Fixed Rate mortgages in Moberly averaged
6.01%
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
6.22% and
one month ago for the week of 2022-05-26, the
average rate was 5.41%.
Moberly'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 5.99%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
Moberly 30 Year Fixed Rate | 2022-06-30 | 6.01% |
Moberly 30 Year Fixed Rate Refi | 2022-06-30 | 5.99% |
Moberly 15 Year Fixed Rate | 2022-06-30 | 5.21% |
Moberly 15 Year Fixed Rate Refi | 2022-06-30 | 5.14% |
Moberly 30 Year FHA | 2022-06-30 | 6.03% |
Moberly 30 Year FHA Refi | 2022-06-30 | 5.96% |
Moberly 30 Year USDA | 2022-06-30 | 5.86% |
Moberly 30 Year USDA Refi | 2022-06-30 | 5.22% |
Moberly 30 Year VA | 2022-06-30 | 5.9% |
Moberly 30 Year VA Refi | 2022-06-30 | 5.73% |
Moberly 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 Moberly, 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.).
Moberly, MO's 40 lenders originated 701
loans during 2021. The total origination value was $104,615,000, with an average loan value of
$149,237.
The top Moberly lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
34 loans originated. Their average total fees are
$2,568, which is $13
higher than the next largest lender,
DAS Acquisition Company, LLC.
The lowest fee Moberly lenders (with over 10 loans originated) are
First State Community Bank ($1,502), PLAZA HOME MORTGAGE, INC. ($1,950), First Guaranty Mortgage Corporation ($2,167), DAS Acquisition Company, LLC ($2,555) and FLAT BRANCH MORTGAGE, INC. ($2,568).
The lowest rate Moberly lenders (with over 10 loans originated) are
First Guaranty Mortgage Corporation (2.91%), First State Community Bank (3.06%), QUICKEN LOANS, LLC (3.22%), FLAT BRANCH MORTGAGE, INC. (3.23%) and PLAZA HOME MORTGAGE, INC. (3.31%).
Moberly, 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 |
---|---|---|---|---|
Regional Missouri Bank | $16,460,000 | $15,900,000 | -3.4% | 15.2% |
FLAT BRANCH MORTGAGE, INC. | $7,865,000 | $11,105,000 | 41.2% | 10.6% |
DAS Acquisition Company, LLC | $7,380,000 | $9,215,000 | 24.9% | 8.8% |
First State Community Bank | $4,435,000 | $7,135,000 | 60.9% | 6.8% |
Mortgage Research Center, LLC | $4,960,000 | $6,120,000 | 23.4% | 5.9% |
QUICKEN LOANS, LLC | $4,420,000 | $5,850,000 | 32.4% | 5.6% |
PLAZA HOME MORTGAGE, INC. | $4,155,000 | $5,655,000 | 36.1% | 5.4% |
First Guaranty Mortgage Corporation | $320,000 | $4,120,000 | 1,187.5% | 3.9% |
The Central Trust Bank | $165,000 | $2,920,000 | 1,669.7% | 2.8% |
U.S. Bank | $1,310,000 | $2,880,000 | 119.8% | 2.8% |
Midwest Mortgage Associates Corporation | $705,000 | $2,610,000 | 270.2% | 2.5% |
Commerce Bank | $4,415,000 | $2,220,000 | -49.7% | 2.1% |
MISSOURI Credit Union | $1,145,000 | $1,710,000 | 49.3% | 1.6% |
FREEDOM MORTGAGE CORPORATION | $1,325,000 | $1,675,000 | 26.4% | 1.6% |
COMMERCIAL TRUST COMPANY OF FAYETTE | $570,000 | $1,660,000 | 191.2% | 1.6% |
Alliant Bank | $1,525,000 | $1,420,000 | -6.9% | 1.4% |
Mr. Cooper ( Nationstar Mortgage ) | $1,180,000 | $1,420,000 | 20.3% | 1.4% |
Wells Fargo Bank | $250,000 | $1,340,000 | 436.0% | 1.3% |
CMG MORTGAGE, INC. | $4,725,000 | $1,165,000 | -75.3% | 1.1% |
GUILD MORTGAGE COMPANY | $4,540,000 | $1,100,000 | -75.8% | 1.1% |
HOME POINT FINANCIAL CORPORATION | $685,000 | $1,080,000 | 57.7% | 1.0% |
United Credit Union | $665,000 | $1,060,000 | 59.4% | 1.0% |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $310,000 | $855,000 | 175.8% | 0.8% |
PENNYMAC LOAN SERVICES, LLC | $175,000 | $735,000 | 320.0% | 0.7% |
LOANDEPOT.COM, LLC | $105,000 | $725,000 | 590.5% | 0.7% |
COMMUNITY MORTGAGE, LLC | $315,000 | $715,000 | 127.0% | 0.7% |
LAKEVIEW LOAN SERVICING, LLC | $320,000 | $670,000 | 109.4% | 0.6% |
USAA Federal Savings Bank | $105,000 | $615,000 | 485.7% | 0.6% |
UNITED WHOLESALE MORTGAGE, LLC | $155,000 | $570,000 | 267.7% | 0.5% |
WEST COMMUNITY | $215,000 | $505,000 | 134.9% | 0.5% |
Central National Bank | $910,000 | $455,000 | -50.0% | 0.4% |
Flagstar Bank, FSB | $665,000 | $455,000 | -31.6% | 0.4% |
NAVY FEDERAL CREDIT UNION | $425,000 | n/a | 0.4% | |
VILLAGE CAPITAL & INVESTMENT LLC | $350,000 | n/a | 0.3% | |
NEW DAY FINANCIAL, LLC | $660,000 | $335,000 | -49.2% | 0.3% |
NP, Inc. | $325,000 | n/a | 0.3% | |
Prosperity Home Mortgage, LLC | $315,000 | n/a | 0.3% | |
Magnolia Bank | $310,000 | n/a | 0.3% | |
PLANET HOME LENDING, LLC | $310,000 | n/a | 0.3% | |
River Region Credit Union | $210,000 | $305,000 | 45.2% | 0.3% |
MISSOURI ELECTRIC COOPERATIVES EMPL | $910,000 | $300,000 | -67.0% | 0.3% |
FAMILY FINANCE MORTGAGE, LLC | $295,000 | n/a | 0.3% | |
HOMESIDE FINANCIAL, LLC | $275,000 | n/a | 0.3% | |
MUTUAL OF OMAHA MORTGAGE, INC. | $270,000 | n/a | 0.3% | |
Capitol Federal Savings Bank | $255,000 | n/a | 0.2% | |
21ST MORTGAGE CORPORATION | $235,000 | $240,000 | 2.1% | 0.2% |
Exchange Bank of Missouri | $800,000 | $240,000 | -70.0% | 0.2% |
BETTER MORTGAGE CORPORATION | $235,000 | n/a | 0.2% | |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $105,000 | $215,000 | 104.8% | 0.2% |
CALIBER HOME LOANS, INC. | $135,000 | $205,000 | 51.9% | 0.2% |
GUARANTEED RATE, INC. | $205,000 | n/a | 0.2% | |
NEIGHBORS | $195,000 | n/a | 0.2% | |
Colonial Savings, F.A. | $185,000 | n/a | 0.2% | |
BNC National Bank | $175,000 | n/a | 0.2% | |
Great Southern Bank | $165,000 | n/a | 0.2% | |
JPMorgan Chase Bank | $165,000 | n/a | 0.2% | |
CHURCHILL MORTGAGE CORPORATION | $235,000 | $160,000 | -31.9% | 0.2% |
The Callaway Bank | $580,000 | $160,000 | -72.4% | 0.2% |
Citizens Bank | $155,000 | n/a | 0.1% | |
Discover Bank | $150,000 | n/a | 0.1% | |
RED DIAMOND HOME LOANS, LLC | $75,000 | $145,000 | 93.3% | 0.1% |
Service Federal Credit Union | $145,000 | n/a | 0.1% | |
Colten Mortgage, LLC | $135,000 | n/a | 0.1% | |
First Mortgage Solutions, LLC | $135,000 | n/a | 0.1% | |
TOGETHER CREDIT UNION | $135,000 | n/a | 0.1% | |
AMERICAN FINANCIAL RESOURCES, INC. | $135,000 | $125,000 | -7.4% | 0.1% |
RBC Bank, (Georgia) | $125,000 | n/a | 0.1% | |
TRIAD FINANCIAL SERVICES, INC. | $125,000 | n/a | 0.1% | |
HomeBank | $15,000 | $120,000 | 700.0% | 0.1% |
First Mid Bank & Trust | $115,000 | n/a | 0.1% | |
Carrington Mortgage Services, LLC | $265,000 | $110,000 | -58.5% | 0.1% |
Bank of America | $45,000 | $105,000 | 133.3% | 0.1% |
ACADEMY MORTGAGE CORPORATION | $95,000 | n/a | 0.1% | |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $95,000 | n/a | 0.1% | |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $85,000 | n/a | 0.1% | |
ROYAL UNITED MORTGAGE LLC | $115,000 | $85,000 | -26.1% | 0.1% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $55,000 | $80,000 | 45.5% | 0.1% |
Academy Bank | $75,000 | n/a | 0.1% |
Moberly's top lender by overall market share is Regional Missouri Bank, with 15.2% market share. In second place, with 10.6%, is FLAT BRANCH MORTGAGE, INC., having originated $11,105,000 in loans. In third place, with 8.8%, is DAS Acquisition Company, LLC, having originated $9,215,000 in loans. In third place, with 6.8%, is First State Community Bank, having originated $7,135,000 in loans. In third place, with 5.9%, is Mortgage Research Center, LLC, having originated $6,120,000 in loans.
Moberly, MO Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 351 | $56,575,000 | $161,182 |
Refi | 219 | $31,195,000 | $142,443 |
Cash Out Refi | 97 | $14,245,000 | $146,856 |
Home Improvement | 23 | $1,695,000 | $73,696 |
Other | 11 | $905,000 | $82,273 |
Moberly's most frequently cited loan purpose was Home Purchase, with 351 originations. The 2nd most popular reason was Refi, with 219 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
3-4% | 227 | $36,085,000 | $158,965 |
2.5-3% | 188 | $29,070,000 | $154,628 |
<2.5% | 79 | $13,505,000 | $170,949 |
4-5% | 43 | $4,695,000 | $109,186 |
5-6% | 4 | $280,000 | $70,000 |
6-7% | 3 | $225,000 | $75,000 |
Over 8% | 3 | $115,000 | $38,333 |
7-8% | 1 | $35,000 | $35,000 |
During 2021, Moberly's most frequently originated rate bucket was 3-4%, with 227 originations.
Loan Sizing (Moberly, MO MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100k-200k | 314 | $45,620,000 | $145,287 |
$100,000 or less | 243 | $15,855,000 | $65,247 |
$200k-400k | 131 | $33,755,000 | $257,672 |
$400k-600k | 11 | $4,845,000 | $440,455 |
$600k-1000k | 1 | $785,000 | $785,000 |
$Over $1MM | 1 | $3,755,000 | $3,755,000 |
Moberly's loan sizing saw the bucket of loans from $100k-200k with 314 originations, totaling $45,620,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 288 | $45,130,000 | $156,701 |
60-80% | 144 | $24,950,000 | $173,264 |
40-60% | 53 | $5,965,000 | $112,547 |
20-40% | 22 | $1,620,000 | $73,636 |
Over 100% | 7 | $1,475,000 | $210,714 |
Under 20% | 7 | $165,000 | $23,571 |
Moberly's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 288 originations, totaling $45,130,000 in origination value.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Moberly (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $99,900 (17.7%) | $144,879 (22.3%) | 0.00 | 76 |
2018-02-01 | $93,850 (4.6%) | $137,472 (13.8%) | 0.00 | 76 |
2018-03-01 | $129,000 (13.2%) | $151,073 (15.5%) | 0.00 | 74 |
2018-04-01 | $134,900 (40.5%) | $151,690 (9.7%) | 0.00 | 62 |
2018-05-01 | $142,200 (59.8%) | $156,553 (15.1%) | 0.00 | 66 |
2018-06-01 | $129,900 (36.7%) | $158,408 (14.1%) | 0.00 | 70 |
2018-07-01 | $109,700 (-5.4%) | $145,944 (-5.9%) | 0.00 | 91 |
2018-08-01 | $117,400 (-1.8%) | $143,590 (-7.4%) | 0.00 | 92 |
2018-09-01 | $109,900 (0.4%) | $150,020 (0.9%) | 0.00 | 100 |
2018-10-01 | $137,400 (44.6%) | $162,065 (16.9%) | 0.00 | 79 |
2018-11-01 | $139,950 (47.3%) | $174,728 (21.6%) | 0.00 | 73 |
2018-12-01 | $144,900 (52.5%) | $185,371 (27.1%) | 0.00 | 71 |
2019-01-01 | $144,900 (45.1%) | $195,649 (35.0%) | 0.00 | 58 |
2019-02-01 | $155,750 (66.0%) | $211,891 (54.1%) | 0.00 | 62 |
2019-03-01 | $159,214 (23.4%) | $207,078 (37.1%) | 0.00 | 67 |
2019-04-01 | $151,464 (12.3%) | $197,343 (30.1%) | 0.00 | 73 |
2019-05-01 | $154,000 (8.3%) | $195,043 (24.6%) | 0.00 | 79 |
2019-06-01 | $156,900 (20.8%) | $192,999 (21.8%) | 0.00 | 102 |
2019-07-01 | $145,200 (32.4%) | $187,532 (28.5%) | 0.00 | 104 |
2019-08-01 | $134,900 (14.9%) | $167,500 (16.7%) | 0.00 | 105 |
2019-09-01 | $134,900 (22.8%) | $164,886 (9.9%) | 0.00 | 110 |
2019-10-01 | $131,450 (-4.3%) | $160,576 (-0.9%) | 0.00 | 116 |
2019-11-01 | $124,500 (-11.0%) | $152,340 (-12.8%) | 0.00 | 111 |
2019-12-01 | $124,500 (-14.1%) | $155,215 (-16.3%) | 0.00 | 103 |
2020-01-01 | $124,900 (-13.8%) | $147,765 (-24.5%) | 0.00 | 101 |
2020-02-01 | $120,000 (-23.0%) | $148,184 (-30.1%) | 0.00 | 103 |
2020-03-01 | $134,950 (-15.2%) | $156,264 (-24.5%) | 0.00 | 101 |
2020-04-01 | $135,250 (-10.7%) | $155,422 (-21.2%) | 0.00 | 97 |
2020-05-01 | $139,000 (-9.7%) | $181,974 (-6.7%) | 0.00 | 100 |
2020-06-01 | $137,450 (-12.4%) | $179,126 (-7.2%) | 0.00 | 93 |
2020-07-01 | $137,500 (-5.3%) | $186,614 (-0.5%) | 0.00 | 90 |
2020-08-01 | $134,000 (-0.7%) | $174,994 (4.5%) | 0.00 | 85 |
2020-09-01 | $139,700 (3.6%) | $187,115 (13.5%) | 0.00 | 85 |
2020-10-01 | $134,900 (2.6%) | $174,396 (8.6%) | 0.00 | 82 |
2020-11-01 | $122,475 (-1.6%) | $164,138 (7.7%) | 0.00 | 91 |
2020-12-01 | $119,500 (-4.0%) | $169,820 (9.4%) | 0.00 | 81 |
2021-01-01 | $119,500 (-4.3%) | $164,782 (11.5%) | 0.00 | 67 |
2021-02-01 | $99,999 (-16.7%) | $157,135 (6.0%) | 0.00 | 45 |
2021-03-01 | $166,000 (23.0%) | $214,210 (37.1%) | 0.00 | 45 |
2021-04-01 | $154,950 (14.6%) | $206,707 (33.0%) | 0.00 | 40 |
2021-05-01 | $120,000 (-13.7%) | $193,041 (6.1%) | 0.00 | 40 |
2021-06-01 | $148,000 (7.7%) | $192,191 (7.3%) | 0.00 | 51 |
2021-07-01 | $139,900 (1.8%) | $198,709 (6.5%) | 0.00 | 53 |
2021-08-01 | $162,400 (21.2%) | $224,473 (28.3%) | 0.00 | 49 |
2021-09-01 | $159,450 (14.1%) | $201,038 (7.4%) | 0.00 | 51 |
2021-10-01 | $140,000 (3.8%) | $174,921 (0.3%) | 0.00 | 57 |
2021-11-01 | $144,700 (18.2%) | $177,238 (8.0%) | 0.00 | 53 |
2021-12-01 | $136,200 (14.0%) | $163,251 (-3.9%) | 0.00 | 48 |
2022-01-01 | $137,500 (15.1%) | $168,046 (2.0%) | 0.00 | 46 |
2022-02-01 | $143,500 (43.5%) | $164,465 (4.7%) | 0.00 | 29 |
2022-03-01 | $152,250 (-8.3%) | $180,354 (-15.8%) | 0.00 | 24 |
2022-04-01 | $159,900 (3.2%) | $188,904 (-8.6%) | 0.00 | 29 |
2022-05-01 | $170,400 (42.0%) | $186,999 (-3.1%) | 0.00 | 33 |
2022-06-01 | $190,750 (28.9%) | $616,093 (220.6%) | 0.00 | 38 |
Moberly's median listing price comes in at 0% of the national average.
Moberly's average listing price for 2022-06-01 was $616,093, a difference of $423,902 (220.6%) versus the prior year and $429,094 versus the prior month.
For the 2022-06-01 period, Moberly had 38 MLS listings, a difference of 5 listings (15%) versus the prior month and -13 listings (-25%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Moberly (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,623 sqft |
2018-02-01 | 0 days | 1,587 sqft |
2018-03-01 | 0 days | 1,688 sqft |
2018-04-01 | 0 days | 1,658 sqft |
2018-05-01 | 0 days | 1,754 sqft |
2018-06-01 | 0 days | 1,800 sqft |
2018-07-01 | 0 days | 1,632 sqft |
2018-08-01 | 0 days | 1,512 sqft |
2018-09-01 | 0 days | 1,632 sqft |
2018-10-01 | 0 days | 1,597 sqft |
2018-11-01 | 0 days | 1,594 sqft |
2018-12-01 | 0 days | 1,608 sqft |
2019-01-01 | 0 days | 1,641 sqft |
2019-02-01 | 0 days | 1,641 sqft |
2019-03-01 | 0 days | 1,701 sqft |
2019-04-01 | 0 days | 1,717 sqft |
2019-05-01 | 0 days | 1,868 sqft |
2019-06-01 | 0 days | 1,868 sqft |
2019-07-01 | 0 days | 1,784 sqft |
2019-08-01 | 0 days | 1,671 sqft |
2019-09-01 | 0 days | 1,665 sqft |
2019-10-01 | 0 days | 1,632 sqft |
2019-11-01 | 0 days | 1,544 sqft |
2019-12-01 | 0 days | 1,544 sqft |
2020-01-01 | 0 days | 1,580 sqft |
2020-02-01 | 0 days | 1,632 sqft |
2020-03-01 | 0 days | 1,705 sqft |
2020-04-01 | 0 days | 1,682 sqft |
2020-05-01 | 0 days | 1,687 sqft |
2020-06-01 | 0 days | 1,742 sqft |
2020-07-01 | 0 days | 1,771 sqft |
2020-08-01 | 0 days | 1,763 sqft |
2020-09-01 | 0 days | 1,813 sqft |
2020-10-01 | 0 days | 1,763 sqft |
2020-11-01 | 0 days | 1,680 sqft |
2020-12-01 | 0 days | 1,597 sqft |
2021-01-01 | 0 days | 1,597 sqft |
2021-02-01 | 0 days | 1,782 sqft |
2021-03-01 | 0 days | 1,700 sqft |
2021-04-01 | 0 days | 1,732 sqft |
2021-05-01 | 0 days | 1,440 sqft |
2021-06-01 | 0 days | 1,677 sqft |
2021-07-01 | 0 days | 1,656 sqft |
2021-08-01 | 0 days | 1,817 sqft |
2021-09-01 | 0 days | 1,428 sqft |
2021-10-01 | 0 days | 1,491 sqft |
2021-11-01 | 0 days | 1,529 sqft |
2021-12-01 | 0 days | 1,542 sqft |
2022-01-01 | 0 days | 1,533 sqft |
2022-02-01 | 0 days | 1,377 sqft |
2022-03-01 | 0 days | 1,614 sqft |
2022-04-01 | 0 days | 1,354 sqft |
2022-05-01 | 0 days | 1,456 sqft |
2022-06-01 | 0 days | 1,655 sqft |
Moberly's median square footage for active listings during the 2022-06-01 period was 1,655 sqft. One year prior, the average listing was 1,677 sqft.