Moberly Mortgage Rates

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

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%
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 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
FLAT BRANCH MORTGAGE, INC. 34 3.23% $2,568
DAS Acquisition Company, LLC 22 3.45% $2,555
PLAZA HOME MORTGAGE, INC. 18 3.31% $1,950
QUICKEN LOANS, LLC 13 3.22% $3,598
First Guaranty Mortgage Corporation 12 2.91% $2,167
First State Community Bank 12 3.06% $1,502
MISSOURI Credit Union 7 3.07% $1,847
Commerce Bank 6 3.54% $2,437
Midwest Mortgage Associates Corporation 6 3.00% $4,677
GUILD MORTGAGE COMPANY 5 3.07% $2,087
Wells Fargo Bank 4 3.19% $2,269
U.S. Bank 4 3.34% $2,131
WEST COMMUNITY 3 3.04% $2,026
CMG MORTGAGE, INC. 3 2.87% $3,222
The Central Trust Bank 2 3.69% $3,009
The Callaway Bank 2 3.25% $1,545
UNITED WHOLESALE MORTGAGE, LLC 2 3.04% $3,296
LOANDEPOT.COM, LLC 2 3.25% $4,517
HOME POINT FINANCIAL CORPORATION 2 3.18% $2,613
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 3.13% $2,436
HomeBank 1 2.75% $1,243
ACADEMY MORTGAGE CORPORATION 1 3.50% $2,045
BETTER MORTGAGE CORPORATION 1 2.75% $5,492
Capitol Federal Savings Bank 1 2.75% $2,258
Central National Bank 1 3.38% $2,055
CHURCHILL MORTGAGE CORPORATION 1 3.50% $2,488
Citizens Bank 1 3.25% $1,784
Colonial Savings, F.A. 1 3.25% $2,721
COMMUNITY MORTGAGE, LLC 1 2.88% $2,030
First Mid Bank & Trust 1 2.88% $1,765
First Mortgage Solutions, LLC 1 3.50% $1,488
GUARANTEED RATE, INC. 1 3.13% $2,471
Academy Bank 1 2.99% $2,509
Mortgage Research Center, LLC 1 2.99% $1,248
NAVY FEDERAL CREDIT UNION 1 4.25% $3,907
NP, Inc. 1 4.99% $7,950
PLANET HOME LENDING, LLC 1 2.88% $1,243
RBC Bank, (Georgia) 1 2.88% $617
RED DIAMOND HOME LOANS, LLC 1 3.00% $2,772
TOGETHER CREDIT UNION 1 3.01% $1,801

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. Louis
Date 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 for 2022-06-01 was $190,750, a difference of $42,750 (28.9%) versus the prior year and $20,350 versus the prior month.

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. Louis
Date 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 listing age (time on market) for 2022-06-01 was 0 days.

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.