Moberly Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Moberly averaged 6.59% for the week of 2025-03-20, compared to the national average of 6.67% for the same period.

    The average rate for the prior week (2025-03-13) was 6.67% and one month ago for the week of 2025-02-13, the average rate was 6.99%.

    Moberly's average rate one year ago was 6.96%.

    For refis of the same type during the week of 2025-03-20, the average rate was 7.07%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-03-20 6.67%
    Moberly 30 Year Fixed Rate 2025-03-20 6.59%
    Moberly 30 Year Fixed Rate Refi 2025-03-20 7.07%
    Moberly 15 Year Fixed Rate 2025-03-20 5.93%
    Moberly 15 Year Fixed Rate Refi 2025-03-20 5.73%
    Moberly 30 Year FHA 2025-03-20 6.14%
    Moberly 30 Year FHA Refi 2025-03-20 6.44%
    Moberly 30 Year USDA 2025-03-20 6.38%
    Moberly 30 Year USDA Refi 2025-03-20 6.18%
    Moberly 30 Year VA 2025-03-20 6.08%
    Moberly 30 Year VA Refi 2025-03-20 6.08%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Moberly, MO.

    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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    The Central Trust Bank 24 7.09% $2,664
    FLAT BRANCH MORTGAGE, INC. 23 6.65% $3,613
    First State Community Bank 10 7.77% $1,436
    Plains Commerce Bank 10 6.80% $2,006
    Midwest Mortgage Associates Corporation 7 6.50% $3,016
    DAS Acquisition Company, LLC 6 7.14% $3,084
    Mortgage Research Center, LLC 6 6.96% $3,773
    Gateway First Bank 6 6.40% $2,153
    Commerce Bank 5 7.05% $2,376
    QUICKEN LOANS, LLC 3 6.99% $7,318
    UNITED WHOLESALE MORTGAGE, LLC 3 7.17% $4,764
    PLAZA HOME MORTGAGE, INC. 2 6.44% $2,464
    MISSOURI Credit Union 2 6.44% $1,523
    U.S. Bank 2 6.50% $2,425
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.31% $4,800
    WEST COMMUNITY 1 7.13% $2,403
    AMERISAVE MORTGAGE CORPORATION 1 7.38% $8,166
    Bell Bank 1 7.50% $2,840
    BROKER SOLUTIONS, INC. 1 7.63% $3,983
    CALIBER HOME LOANS, INC. 1 7.38% $1,792
    Community Mortgage Banc Corporation 1 6.00% $1,623
    ENDEAVOR CAPITAL, LLC. 1 7.38% $6,225
    GERSHMAN INVESTMENT CORP. 1 7.13% $2,471
    GUILD MORTGAGE COMPANY 1 7.25% $1,826
    Hawthorn Bank 1 6.25% $2,784
    JPMorgan Chase Bank 1 8.13% $1,504
    LOANDEPOT.COM, LLC 1 7.99% $4,014
    MISSOURI ELECTRIC COOPERATIVES EMPL 1 6.50% $1,535
    UMB Bank 1 5.89% $2,209
    Ally Bank 1 6.13% $3,067

    Moberly Average Closing Costs & Other Stats

    Moberly, MO's 30 lenders originated 458 loans during 2023. The total origination value was $71,110,000, with an average loan value of $155,262.

    Moberly's average closing costs are $3,450.

    The top Moberly lender as defined by loan originations is The Central Trust Bank, with 24 loans originated. Their average total fees are $2,664, which is $949 lower than the next largest lender, FLAT BRANCH MORTGAGE, INC..

    The lowest fee Moberly lenders (with over 10 loans originated) are First State Community Bank ($1,436), Plains Commerce Bank ($2,006), The Central Trust Bank ($2,664), FLAT BRANCH MORTGAGE, INC. ($3,613) and .

    The lowest rate Moberly lenders (with over 10 loans originated) are FLAT BRANCH MORTGAGE, INC. (6.65%), Plains Commerce Bank (6.80%), The Central Trust Bank (7.09%), First State Community Bank (7.77%) and .

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    The Central Trust Bank $11,005,000 $8,950,000 -18.7% 12.6%
    FLAT BRANCH MORTGAGE, INC. $8,895,000 $8,230,000 -7.5% 11.6%
    Regional Missouri Bank $9,055,000 $7,600,000 -16.1% 10.7%
    Mortgage Research Center, LLC $3,965,000 $5,670,000 43.0% 8.0%
    Exchange Bank of Missouri $1,180,000 $4,470,000 278.8% 6.3%
    DAS Acquisition Company, LLC $6,370,000 $3,165,000 -50.3% 4.5%
    First State Community Bank $3,690,000 $3,120,000 -15.4% 4.4%
    Midwest Mortgage Associates Corporation $2,025,000 $2,830,000 39.8% 4.0%
    River Region Credit Union $475,000 $2,715,000 471.6% 3.8%
    QUICKEN LOANS, LLC $3,645,000 $2,515,000 -31.0% 3.5%
    PLAZA HOME MORTGAGE, INC. $3,705,000 $2,425,000 -34.5% 3.4%
    Commerce Bank $3,210,000 $2,185,000 -31.9% 3.1%
    Plains Commerce Bank $1,655,000 n/a 2.3%
    Heritage Community Bank $1,335,000 n/a 1.9%
    Gateway First Bank $615,000 $1,275,000 107.3% 1.8%
    UNITED WHOLESALE MORTGAGE, LLC $355,000 $965,000 171.8% 1.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $815,000 n/a 1.1%
    U.S. Bank $450,000 $710,000 57.8% 1.0%
    UMB Bank $565,000 n/a 0.8%
    MISSOURI Credit Union $495,000 $525,000 6.1% 0.7%
    LOANDEPOT.COM, LLC $345,000 $415,000 20.3% 0.6%
    GUILD MORTGAGE COMPANY $180,000 $400,000 122.2% 0.6%
    PENNYMAC LOAN SERVICES, LLC $725,000 $400,000 -44.8% 0.6%
    Hawthorn Bank $355,000 n/a 0.5%
    United Credit Union $485,000 $355,000 -26.8% 0.5%
    CHURCHILL MORTGAGE CORPORATION $345,000 n/a 0.5%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $320,000 n/a 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $870,000 $320,000 -63.2% 0.5%
    Wells Fargo Bank $385,000 $320,000 -16.9% 0.5%
    AMERISAVE MORTGAGE CORPORATION $655,000 $295,000 -55.0% 0.4%
    AmeriHome Mortgage Company, LLC $155,000 $275,000 77.4% 0.4%
    TruHome Solutions, LLC $275,000 n/a 0.4%
    Discover Bank $265,000 n/a 0.4%
    21ST MORTGAGE CORPORATION $140,000 $235,000 67.9% 0.3%
    NBKC BANK $235,000 n/a 0.3%
    Carrington Mortgage Services, LLC $260,000 $230,000 -11.5% 0.3%
    NP, Inc. $225,000 n/a 0.3%
    GERSHMAN INVESTMENT CORP. $225,000 $210,000 -6.7% 0.3%
    The Bank of Missouri $650,000 $195,000 -70.0% 0.3%
    The Peoples State Bank of Newton, Illinois $185,000 n/a 0.3%
    ENDEAVOR CAPITAL, LLC. $155,000 $175,000 12.9% 0.2%
    GUARANTEED RATE, INC. $210,000 $170,000 -19.0% 0.2%
    LEADERONE FINANCIAL CORPORATION $165,000 n/a 0.2%
    Bell Bank $160,000 n/a 0.2%
    BTC BANK $155,000 n/a 0.2%
    COMMERCIAL TRUST COMPANY OF FAYETTE $2,700,000 $155,000 -94.3% 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $310,000 $155,000 -50.0% 0.2%
    PHH Mortgage Corporation $155,000 n/a 0.2%
    Ally Bank $145,000 n/a 0.2%
    FIRST INTEGRITY MORTGAGE SERVICES, INC. $135,000 n/a 0.2%
    Mid-Continent Funding, Inc. $470,000 $125,000 -73.4% 0.2%
    FREEDOM MORTGAGE CORPORATION $1,095,000 $115,000 -89.5% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $440,000 $115,000 -73.9% 0.2%
    Members Mortgage Services, L.L.C. $115,000 n/a 0.2%
    MID AMERICA MORTGAGE, INC. $105,000 n/a 0.1%
    MISSOURI ELECTRIC COOPERATIVES EMPL $105,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $35,000 $105,000 200.0% 0.1%
    Academy Bank $120,000 $85,000 -29.2% 0.1%
    WEST COMMUNITY $85,000 n/a 0.1%
    Community Mortgage Banc Corporation $75,000 n/a 0.1%
    Service Federal Credit Union $75,000 n/a 0.1%
    Simmons Bank $130,000 $70,000 -46.2% 0.1%
    BROKER SOLUTIONS, INC. $1,225,000 $65,000 -94.7% 0.1%
    JPMorgan Chase Bank $230,000 $65,000 -71.7% 0.1%
    Baxter Credit Union $55,000 n/a 0.1%
    PNC Bank $700,000 $55,000 -92.1% 0.1%
    UNITED SECURITY BANK $55,000 n/a 0.1%
    CALIBER HOME LOANS, INC. $45,000 n/a 0.1%
    CMG MORTGAGE, INC. $35,000 n/a 0.0%
    Flagstar Bank, FSB $355,000 $25,000 -93.0% 0.0%

    Moberly's top lender by overall market share is The Central Trust Bank, with 12.6% market share. In second place, with 11.6%, is FLAT BRANCH MORTGAGE, INC., having originated $8,230,000 in loans. In third place, with 10.7%, is Regional Missouri Bank, having originated $7,600,000 in loans. In fourth place, with 8.0%, is Mortgage Research Center, LLC, having originated $5,670,000 in loans. In fifth place, with 6.3%, is Exchange Bank of Missouri, having originated $4,470,000 in loans.

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

    Realtor.com - Moberly (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 $94,775 (10.4%) $137,610 (18.9%) 0.00 73
    2018-02-01 $89,900 (0.1%) $131,964 (11.5%) 0.00 72
    2018-03-01 $111,270 (-2.4%) $147,347 (15.8%) 0.00 69
    2018-04-01 $119,900 (29.0%) $148,803 (13.3%) 0.00 60
    2018-05-01 $127,400 (43.6%) $149,121 (13.1%) 0.00 63
    2018-06-01 $124,950 (31.9%) $146,187 (7.9%) 0.00 67
    2018-07-01 $93,975 (-14.6%) $138,341 (-7.5%) 0.00 88
    2018-08-01 $98,175 (-12.7%) $139,619 (-6.7%) 0.00 88
    2018-09-01 $89,900 (-14.0%) $149,000 (4.7%) 0.00 95
    2018-10-01 $122,400 (30.7%) $158,049 (16.5%) 0.00 74
    2018-11-01 $129,800 (37.7%) $169,596 (21.6%) 0.00 65
    2018-12-01 $139,950 (53.4%) $182,775 (30.7%) 0.00 64
    2019-01-01 $136,700 (44.2%) $187,231 (36.1%) 0.00 53
    2019-02-01 $142,450 (58.5%) $197,933 (50.0%) 0.00 55
    2019-03-01 $150,757 (35.5%) $196,248 (33.2%) 0.00 59
    2019-04-01 $147,107 (22.7%) $190,040 (27.7%) 0.00 65
    2019-05-01 $143,875 (12.9%) $191,559 (28.5%) 0.00 73
    2019-06-01 $154,900 (24.0%) $189,011 (29.3%) 0.00 91
    2019-07-01 $142,500 (51.6%) $181,795 (31.4%) 0.00 94
    2019-08-01 $132,991 (35.5%) $162,225 (16.2%) 0.00 102
    2019-09-01 $130,127 (44.8%) $157,450 (5.7%) 0.00 109
    2019-10-01 $128,218 (4.8%) $154,266 (-2.4%) 0.00 111
    2019-11-01 $124,700 (-3.9%) $147,923 (-12.8%) 0.00 102
    2019-12-01 $124,900 (-10.8%) $152,500 (-16.6%) 0.00 99
    2020-01-01 $125,175 (-8.4%) $144,556 (-22.8%) 0.00 97
    2020-02-01 $122,450 (-14.0%) $143,594 (-27.5%) 0.00 94
    2020-03-01 $132,150 (-12.3%) $152,489 (-22.3%) 0.00 88
    2020-04-01 $133,425 (-9.3%) $154,325 (-18.8%) 0.00 85
    2020-05-01 $134,400 (-6.6%) $163,694 (-14.6%) 0.00 80
    2020-06-01 $138,075 (-10.9%) $171,004 (-9.5%) 0.00 69
    2020-07-01 $129,950 (-8.8%) $171,518 (-5.7%) 0.00 66
    2020-08-01 $125,000 (-6.0%) $144,742 (-10.8%) 0.00 60
    2020-09-01 $132,100 (1.5%) $152,153 (-3.4%) 0.00 63
    2020-10-01 $129,900 (1.3%) $156,821 (1.7%) 0.00 61
    2020-11-01 $119,000 (-4.6%) $137,951 (-6.7%) 0.00 68
    2020-12-01 $106,750 (-14.5%) $133,930 (-12.2%) 0.00 54
    2021-01-01 $104,500 (-16.5%) $135,597 (-6.2%) 0.00 45
    2021-02-01 $98,749 (-19.4%) $134,053 (-6.6%) 0.00 31
    2021-03-01 $152,500 (15.4%) $189,430 (24.2%) 0.00 31
    2021-04-01 $149,925 (12.4%) $179,094 (16.1%) 0.00 29
    2021-05-01 $124,950 (-7.0%) $172,239 (5.2%) 0.00 30
    2021-06-01 $166,875 (20.9%) $196,322 (14.8%) 0.00 45
    2021-07-01 $140,000 (7.7%) $188,902 (10.1%) 0.00 49
    2021-08-01 $156,175 (24.9%) $210,812 (45.7%) 0.00 43
    2021-09-01 $157,000 (18.9%) $191,455 (25.8%) 0.00 46
    2021-10-01 $144,750 (11.4%) $170,024 (8.4%) 0.00 48
    2021-11-01 $149,500 (25.6%) $164,442 (19.2%) 0.00 45
    2021-12-01 $129,900 (21.7%) $154,233 (15.2%) 0.00 45
    2022-01-01 $133,700 (27.9%) $155,262 (14.5%) 0.00 42
    2022-02-01 $131,250 (32.9%) $153,854 (14.8%) 0.00 26
    2022-03-01 $152,250 (-0.2%) $172,941 (-8.7%) 0.00 22
    2022-04-01 $149,450 (-0.3%) $182,528 (1.9%) 0.00 27
    2022-05-01 $169,975 (36.0%) $189,221 (9.9%) 0.00 29
    2022-06-01 $189,250 (13.4%) $649,743 (231.0%) 0.00 35
    2022-07-01 $182,450 (30.3%) $607,973 (221.9%) 0.00 34
    2022-08-01 $179,675 (15.1%) $594,099 (181.8%) 0.00 43
    2022-09-01 $172,725 (10.0%) $519,906 (171.6%) 0.00 62
    2022-10-01 $169,250 (16.9%) $498,616 (193.3%) 0.00 60
    2022-11-01 $161,175 (7.8%) $491,212 (198.7%) 0.00 60
    2022-12-01 $159,900 (23.1%) $569,270 (269.1%) 0.00 47
    2023-01-01 $168,450 (26.0%) $227,591 (46.6%) 0.00 42
    2023-02-01 $159,900 (21.8%) $197,542 (28.4%) 0.00 42
    2023-03-01 $156,075 (2.5%) $206,152 (19.2%) 0.00 38
    2023-04-01 $149,200 (-0.2%) $514,963 (182.1%) 0.00 40
    2023-05-01 $171,250 (0.8%) $426,879 (125.6%) 0.00 46
    2023-06-01 $169,125 (-10.6%) $447,715 (-31.1%) 0.00 37
    2023-07-01 $179,000 (-1.9%) $414,746 (-31.8%) 0.00 50
    2023-08-01 $179,500 (-0.1%) $412,159 (-30.6%) 0.00 53
    2023-09-01 $180,000 (4.2%) $239,890 (-53.9%) 0.00 49
    2023-10-01 $169,900 (0.4%) $217,091 (-56.5%) 0.00 61
    2023-11-01 $186,425 (15.7%) $237,290 (-51.7%) 0.00 64
    2023-12-01 $189,000 (18.2%) $238,118 (-58.2%) 0.00 64
    2024-01-01 $175,725 (4.3%) $215,328 (-5.4%) 0.00 69
    2024-02-01 $126,250 (-21.0%) $175,972 (-10.9%) 0.00 79
    2024-03-01 $124,700 (-20.1%) $178,693 (-13.3%) 0.00 73
    2024-04-01 $150,100 (0.6%) $182,216 (-64.6%) 0.00 84
    2024-05-01 $139,625 (-18.5%) $184,775 (-56.7%) 0.00 89
    2024-06-01 $169,900 (0.5%) $206,945 (-53.8%) 0.00 94
    2024-07-01 $184,300 (3.0%) $223,519 (-46.1%) 0.00 89
    2024-08-01 $244,950 (36.5%) $253,167 (-38.6%) 0.00 77
    2024-09-01 $243,250 (35.1%) $249,949 (4.2%) 0.00 80
    2024-10-01 $236,125 (39.0%) $250,142 (15.2%) 0.00 91
    2024-11-01 $250,000 (34.1%) $261,887 (10.4%) 0.00 84
    2024-12-01 $236,225 (25.0%) $253,263 (6.4%) 0.00 82
    2025-01-01 $212,500 (20.9%) $240,398 (11.6%) 0.00 81
    2025-02-01 $207,500 (64.4%) $232,166 (31.9%) 0.00 79
    Moberly's median listing price for 2025-02-01 was $207,500, a difference of $81,250 (64.4%) versus the prior year and $-5,000 versus the prior month.

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

    Moberly's average listing price for 2025-02-01 was $232,166, a difference of $56,194 (31.9%) versus the prior year and $-8,232 versus the prior month.

    For the 2025-02-01 period, Moberly had 79 MLS listings, a difference of -2 listings (-2%) versus the prior month and 0 listings (0%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Moberly (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,563 sqft
    2018-02-01 0 days 1,540 sqft
    2018-03-01 0 days 1,650 sqft
    2018-04-01 0 days 1,629 sqft
    2018-05-01 0 days 1,636 sqft
    2018-06-01 0 days 1,715 sqft
    2018-07-01 0 days 1,472 sqft
    2018-08-01 0 days 1,487 sqft
    2018-09-01 0 days 1,610 sqft
    2018-10-01 0 days 1,584 sqft
    2018-11-01 0 days 1,598 sqft
    2018-12-01 0 days 1,632 sqft
    2019-01-01 0 days 1,626 sqft
    2019-02-01 0 days 1,599 sqft
    2019-03-01 0 days 1,601 sqft
    2019-04-01 0 days 1,636 sqft
    2019-05-01 0 days 1,850 sqft
    2019-06-01 0 days 1,868 sqft
    2019-07-01 0 days 1,739 sqft
    2019-08-01 0 days 1,609 sqft
    2019-09-01 0 days 1,565 sqft
    2019-10-01 0 days 1,550 sqft
    2019-11-01 0 days 1,536 sqft
    2019-12-01 0 days 1,536 sqft
    2020-01-01 0 days 1,533 sqft
    2020-02-01 0 days 1,624 sqft
    2020-03-01 0 days 1,684 sqft
    2020-04-01 0 days 1,685 sqft
    2020-05-01 0 days 1,688 sqft
    2020-06-01 0 days 1,684 sqft
    2020-07-01 0 days 1,724 sqft
    2020-08-01 0 days 1,680 sqft
    2020-09-01 0 days 1,665 sqft
    2020-10-01 0 days 1,680 sqft
    2020-11-01 0 days 1,608 sqft
    2020-12-01 0 days 1,586 sqft
    2021-01-01 0 days 1,592 sqft
    2021-02-01 0 days 1,764 sqft
    2021-03-01 0 days 1,475 sqft
    2021-04-01 0 days 1,555 sqft
    2021-05-01 0 days 1,422 sqft
    2021-06-01 0 days 1,650 sqft
    2021-07-01 0 days 1,656 sqft
    2021-08-01 0 days 1,638 sqft
    2021-09-01 0 days 1,456 sqft
    2021-10-01 0 days 1,527 sqft
    2021-11-01 0 days 1,531 sqft
    2021-12-01 0 days 1,533 sqft
    2022-01-01 0 days 1,491 sqft
    2022-02-01 0 days 1,364 sqft
    2022-03-01 0 days 1,589 sqft
    2022-04-01 0 days 1,354 sqft
    2022-05-01 0 days 1,473 sqft
    2022-06-01 0 days 1,611 sqft
    2022-07-01 0 days 1,598 sqft
    2022-08-01 0 days 1,619 sqft
    2022-09-01 0 days 1,602 sqft
    2022-10-01 0 days 1,488 sqft
    2022-11-01 0 days 1,602 sqft
    2022-12-01 0 days 1,598 sqft
    2023-01-01 0 days 1,598 sqft
    2023-02-01 0 days 1,619 sqft
    2023-03-01 0 days 1,656 sqft
    2023-04-01 0 days 1,651 sqft
    2023-05-01 0 days 1,607 sqft
    2023-06-01 0 days 1,769 sqft
    2023-07-01 0 days 1,792 sqft
    2023-08-01 0 days 1,687 sqft
    2023-09-01 0 days 1,727 sqft
    2023-10-01 0 days 1,531 sqft
    2023-11-01 0 days 1,592 sqft
    2023-12-01 0 days 1,642 sqft
    2024-01-01 0 days 1,618 sqft
    2024-02-01 0 days 1,344 sqft
    2024-03-01 0 days 1,271 sqft
    2024-04-01 0 days 1,333 sqft
    2024-05-01 0 days 1,386 sqft
    2024-06-01 0 days 1,452 sqft
    2024-07-01 0 days 1,538 sqft
    2024-08-01 0 days 1,762 sqft
    2024-09-01 0 days 1,642 sqft
    2024-10-01 0 days 1,578 sqft
    2024-11-01 0 days 1,632 sqft
    2024-12-01 0 days 1,609 sqft
    2025-01-01 0 days 1,578 sqft
    2025-02-01 0 days 1,583 sqft
    Moberly's median listing age (time on market) for 2025-02-01 was 0 days.

    Moberly's median square footage for active listings during the 2025-02-01 period was 1,583 sqft. One year prior, the average listing was 1,344 sqft.

    Moberly, MO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 290 $52,640,000 $181,517
    Refi 64 $8,620,000 $134,688
    Cash Out Refi 48 $4,900,000 $102,083
    Other 31 $3,555,000 $114,677
    Home Improvement 25 $1,395,000 $55,800

    Moberly's most frequently cited loan purpose was Home Purchase, with 290 originations. The 2nd most popular reason was Refi, with 64 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 153 $24,085,000 $157,418
    7-8% 117 $17,645,000 $150,812
    Over 8% 55 $4,985,000 $90,636
    5-6% 37 $6,485,000 $175,270
    2.5-3% 5 $565,000 $113,000
    4-5% 3 $315,000 $105,000
    <2.5% 1 $5,000 $5,000

    During 2023, Moberly's most frequently originated rate bucket was 6-7%, with 153 originations.

    Loan Sizing (Moberly, MO MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 187 $26,855,000 $143,610
    $100,000 or less 170 $10,290,000 $60,529
    $200k-400k 84 $22,260,000 $265,000
    $400k-600k 10 $4,890,000 $489,000
    $600k-1000k 5 $4,025,000 $805,000
    $Over $1MM 2 $2,790,000 $1,395,000

    Moberly's loan sizing saw the bucket of loans from $100k-200k with 187 originations, totaling $26,855,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 192 $34,340,000 $178,854
    60-80% 70 $10,700,000 $152,857
    40-60% 37 $4,255,000 $115,000
    20-40% 36 $2,390,000 $66,389
    Under 20% 25 $1,015,000 $40,600
    Over 100% 7 $1,155,000 $165,000

    Moberly's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 192 originations, totaling $34,340,000 in origination value.