Moberly Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Moberly averaged
6.88%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.71% and
one month ago for the week of 2025-05-15, the
average rate was 7.08%.
Moberly's average rate one year ago was 6.82%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.71%.
Moberly 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 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 Average Closing Costs & Other Stats
Moberly, MO's 28 lenders originated 481
loans during 2024. The total origination value was $87,315,000, with an average loan value of
$181,528.
Moberly's average closing costs are $3,588.
The top Moberly lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
29 loans originated. Their average total fees are
$3,125, which is $233
higher than the next largest lender,
The Central Trust Bank.
The lowest fee Moberly lenders (with over 10 loans originated) are
First State Community Bank ($1,883), Plains Commerce Bank ($2,259), The Central Trust Bank ($2,892), FLAT BRANCH MORTGAGE, INC. ($3,125) and DAS Acquisition Company, LLC ($4,124).
The lowest rate Moberly lenders (with over 10 loans originated) are
Plains Commerce Bank (6.65%), DAS Acquisition Company, LLC (6.69%), FLAT BRANCH MORTGAGE, INC. (6.74%), First State Community Bank (6.87%) and The Central Trust Bank (7.08%).
Moberly, 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 |
|---|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | $8,230,000 | $11,035,000 | 34.1% | 12.6% |
| The Central Trust Bank | $8,950,000 | $9,835,000 | 9.9% | 11.3% |
| Barings Multifamily Capital | $8,005,000 | n/a | 9.2% | |
| First State Community Bank | $3,120,000 | $7,590,000 | 143.3% | 8.7% |
| Regional Missouri Bank | $7,600,000 | $6,960,000 | -8.4% | 8.0% |
| Alliant Bank | $3,695,000 | n/a | 4.2% | |
| PLAZA HOME MORTGAGE, INC. | $2,425,000 | $2,660,000 | 9.7% | 3.0% |
| Mortgage Research Center, LLC | $5,670,000 | $2,550,000 | -55.0% | 2.9% |
| DAS Acquisition Company, LLC | $3,165,000 | $2,530,000 | -20.1% | 2.9% |
| Bank of Springfield | $2,505,000 | n/a | 2.9% | |
| Plains Commerce Bank | $1,655,000 | $2,475,000 | 49.5% | 2.8% |
| QUICKEN LOANS, LLC | $2,515,000 | $2,320,000 | -7.8% | 2.7% |
| Commerce Bank | $2,185,000 | $2,290,000 | 4.8% | 2.6% |
| PENNYMAC LOAN SERVICES, LLC | $400,000 | $1,575,000 | 293.8% | 1.8% |
| Midwest Mortgage Associates Corporation | $2,830,000 | $1,560,000 | -44.9% | 1.8% |
| Exchange Bank of Missouri | $4,470,000 | $1,460,000 | -67.3% | 1.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $320,000 | $895,000 | 179.7% | 1.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $965,000 | $840,000 | -13.0% | 1.0% |
| Carrington Mortgage Services, LLC | $230,000 | $795,000 | 245.7% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $115,000 | $625,000 | 443.5% | 0.7% |
| River Region Credit Union | $2,715,000 | $590,000 | -78.3% | 0.7% |
| MID AMERICA MORTGAGE, INC. | $105,000 | $585,000 | 457.1% | 0.7% |
| GERSHMAN INVESTMENT CORP. | $210,000 | $570,000 | 171.4% | 0.7% |
| The Callaway Bank | $570,000 | n/a | 0.7% | |
| BTC BANK | $155,000 | $545,000 | 251.6% | 0.6% |
| The Missouri Bank | $525,000 | n/a | 0.6% | |
| COMMERCIAL TRUST COMPANY OF FAYETTE | $155,000 | $490,000 | 216.1% | 0.6% |
| LOANDEPOT.COM, LLC | $415,000 | $490,000 | 18.1% | 0.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $475,000 | n/a | 0.5% | |
| EVERETT FINANCIAL, INC. | $465,000 | n/a | 0.5% | |
| NAVY FEDERAL CREDIT UNION | $455,000 | n/a | 0.5% | |
| MISSOURI Credit Union | $525,000 | $415,000 | -21.0% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $815,000 | $395,000 | -51.5% | 0.5% |
| The Peoples State Bank of Newton, Illinois | $185,000 | $355,000 | 91.9% | 0.4% |
| Equity Prime Mortgage LLC | $350,000 | n/a | 0.4% | |
| U.S. Bank | $710,000 | $325,000 | -54.2% | 0.4% |
| GUILD MORTGAGE COMPANY | $400,000 | $310,000 | -22.5% | 0.4% |
| PLANET HOME LENDING, LLC | $285,000 | n/a | 0.3% | |
| The Bank of Missouri | $195,000 | $285,000 | 46.2% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $275,000 | n/a | 0.3% | |
| Legacy Bank & Trust Company | $275,000 | n/a | 0.3% | |
| BROKER SOLUTIONS, INC. | $65,000 | $260,000 | 300.0% | 0.3% |
| TOGETHER CREDIT UNION | $255,000 | n/a | 0.3% | |
| NBH Bank | $245,000 | n/a | 0.3% | |
| Bell Bank | $160,000 | $235,000 | 46.9% | 0.3% |
| GENEVA FINANCIAL, LLC | $235,000 | n/a | 0.3% | |
| Paramount Residential Mortgage Group, Inc. | $235,000 | n/a | 0.3% | |
| JONESBURG STATE BANK | $230,000 | n/a | 0.3% | |
| TOP FLITE FINANCIAL, INC. | $230,000 | n/a | 0.3% | |
| CONSERVATION EMP. CREDIT UNION | $225,000 | n/a | 0.3% | |
| CITIZENS EQUITY FIRST | $215,000 | n/a | 0.2% | |
| Discover Bank | $265,000 | $215,000 | -18.9% | 0.2% |
| NEWREZ LLC | $205,000 | n/a | 0.2% | |
| OPEN MORTGAGE, LLC | $205,000 | n/a | 0.2% | |
| Wells Bank | $205,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $320,000 | $195,000 | -39.1% | 0.2% |
| ZILLOW HOME LOANS, LLC | $195,000 | n/a | 0.2% | |
| 21ST MORTGAGE CORPORATION | $235,000 | $160,000 | -31.9% | 0.2% |
| CMG MORTGAGE, INC. | $35,000 | $155,000 | 342.9% | 0.2% |
| TruHome Solutions, LLC | $275,000 | $155,000 | -43.6% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $145,000 | n/a | 0.2% | |
| NEW DAY FINANCIAL, LLC | $145,000 | n/a | 0.2% | |
| NFM, INC. | $140,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $140,000 | n/a | 0.2% | |
| Community Mortgage Banc Corporation | $75,000 | $135,000 | 80.0% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $135,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $295,000 | $115,000 | -61.0% | 0.1% |
| Armed Forces Bank | $115,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $345,000 | $105,000 | -69.6% | 0.1% |
| HomeBank | $95,000 | n/a | 0.1% | |
| United Credit Union | $355,000 | $90,000 | -74.6% | 0.1% |
| First Mid Bank & Trust | $85,000 | n/a | 0.1% | |
| Bank of America | $75,000 | n/a | 0.1% | |
| LOANPAL, LLC | $55,000 | n/a | 0.1% | |
| Figure Lending LLC | $35,000 | n/a | 0.0% | |
| Southern Bank | $35,000 | n/a | 0.0% |
Moberly's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 12.6% market share. In second place, with 11.3%, is The Central Trust Bank, having originated $9,835,000 in loans. In third place, with 9.2%, is Barings Multifamily Capital, having originated $8,005,000 in loans. In fourth place, with 8.7%, is First State Community Bank, having originated $7,590,000 in loans. In fifth place, with 8.0%, is Regional Missouri Bank, having originated $6,960,000 in loans.
Moberly, MO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 301 | $57,475,000 | $190,947 |
| Refi | 79 | $19,555,000 | $247,532 |
| Cash Out Refi | 40 | $6,290,000 | $157,250 |
| Home Improvement | 36 | $1,990,000 | $55,278 |
| Other | 25 | $2,005,000 | $80,200 |
Moberly's most frequently cited loan purpose was Home Purchase, with 301 originations. The 2nd most popular reason was Refi, with 79 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 194 | $31,770,000 | $163,763 |
| 7-8% | 81 | $17,915,000 | $221,173 |
| Over 8% | 59 | $7,285,000 | $123,475 |
| 5-6% | 38 | $13,630,000 | $358,684 |
| 2.5-3% | 5 | $335,000 | $67,000 |
| 4-5% | 3 | $285,000 | $95,000 |
| <2.5% | 2 | $10,000 | $5,000 |
During 2024, Moberly's most frequently originated rate bucket was 6-7%, with 194 originations.
Loan Sizing (Moberly, MO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 197 | $28,985,000 | $147,132 |
| $100,000 or less | 167 | $9,395,000 | $56,257 |
| $200k-400k | 98 | $25,260,000 | $257,755 |
| $400k-600k | 10 | $4,720,000 | $472,000 |
| $600k-1000k | 5 | $3,955,000 | $791,000 |
| $Over $1MM | 4 | $15,000,000 | $3,750,000 |
Moberly's loan sizing saw the bucket of loans from $100k-200k with 197 originations, totaling $28,985,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 203 | $37,805,000 | $186,232 |
| 60-80% | 71 | $19,605,000 | $276,127 |
| 40-60% | 35 | $3,635,000 | $103,857 |
| Under 20% | 33 | $3,785,000 | $114,697 |
| 20-40% | 29 | $2,215,000 | $76,379 |
| Over 100% | 4 | $3,120,000 | $780,000 |
Moberly's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 203 originations, totaling $37,805,000 in origination value.