Poplar Bluff Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Poplar Bluff averaged
7.16%
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
7.19% and
one month ago for the week of 2025-05-15, the
average rate was 6.86%.
Poplar Bluff's average rate one year ago was 7%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Poplar Bluff 30 Year Fixed Rate | 2025-06-18 | 7.16% |
| Poplar Bluff 30 Year Fixed Rate Refi | 2025-06-18 | 6.91% |
| Poplar Bluff 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Poplar Bluff 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Poplar Bluff 30 Year FHA | 2025-06-18 | 0.17% |
| Poplar Bluff 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Poplar Bluff 30 Year USDA | 2025-06-18 | 0.23% |
| Poplar Bluff 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Poplar Bluff 30 Year VA | 2025-06-18 | 0.14% |
| Poplar Bluff 30 Year VA Refi | 2025-06-18 | -0.1% |
Poplar Bluff 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 Poplar Bluff, 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.).
Poplar Bluff Average Closing Costs & Other Stats
Poplar Bluff, MO's 44 lenders originated 992
loans during 2024. The total origination value was $145,850,000, with an average loan value of
$147,026.
Poplar Bluff's average closing costs are $4,255.
The top Poplar Bluff lender as defined by loan originations is Southern Bank, with
65 loans originated. Their average total fees are
$1,812, which is $2,859
lower than the next largest lender,
DAS Acquisition Company, LLC.
The lowest fee Poplar Bluff lenders (with over 10 loans originated) are
Southern Bank ($1,812), DAS Acquisition Company, LLC ($4,671), QUICKEN LOANS, LLC ($5,192), .
The lowest rate Poplar Bluff lenders (with over 10 loans originated) are
DAS Acquisition Company, LLC (6.77%), QUICKEN LOANS, LLC (6.96%), Southern Bank (7.13%), .
Poplar Bluff, 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 |
|---|---|---|---|---|
| Southern Bank | $23,245,000 | $29,285,000 | 26.0% | 20.1% |
| DAS Acquisition Company, LLC | $16,100,000 | $22,200,000 | 37.9% | 15.2% |
| First Midwest Bank of Poplar Bluff | $20,155,000 | $14,525,000 | -27.9% | 10.0% |
| Peoples Community Bank | $8,530,000 | $12,390,000 | 45.3% | 8.5% |
| Flanagan State Bank | $9,125,000 | $10,725,000 | 17.5% | 7.4% |
| Mortgage Research Center, LLC | $5,120,000 | $6,205,000 | 21.2% | 4.3% |
| QUICKEN LOANS, LLC | $4,325,000 | $5,620,000 | 29.9% | 3.9% |
| FLAT BRANCH MORTGAGE, INC. | $3,595,000 | $3,380,000 | -6.0% | 2.3% |
| Sterling Bank | $3,400,000 | $3,365,000 | -1.0% | 2.3% |
| The Bank of Missouri | $2,260,000 | $2,870,000 | 27.0% | 2.0% |
| U.S. Bank | $1,555,000 | $1,910,000 | 22.8% | 1.3% |
| VILLAGE CAPITAL MORTGAGE | $500,000 | $1,765,000 | 253.0% | 1.2% |
| FREEDOM MORTGAGE CORPORATION | $1,695,000 | n/a | 1.2% | |
| UNITED WHOLESALE MORTGAGE, LLC | $1,535,000 | n/a | 1.1% | |
| BROKER SOLUTIONS, INC. | $730,000 | $1,475,000 | 102.1% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $655,000 | $1,330,000 | 103.1% | 0.9% |
| GERSHMAN INVESTMENT CORP. | $280,000 | $1,240,000 | 342.9% | 0.9% |
| NEWREZ LLC | $510,000 | $1,200,000 | 135.3% | 0.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $980,000 | n/a | 0.7% | |
| Commerce Bank | $660,000 | $955,000 | 44.7% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $1,075,000 | $950,000 | -11.6% | 0.7% |
| Charles Schwab Bank, SSB | $895,000 | n/a | 0.6% | |
| USAA Federal Savings Bank | $825,000 | $845,000 | 2.4% | 0.6% |
| First State Community Bank | $160,000 | $825,000 | 415.6% | 0.6% |
| Stifel Bank and Trust | $595,000 | $665,000 | 11.8% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $190,000 | $650,000 | 242.1% | 0.4% |
| LOANDEPOT.COM, LLC | $220,000 | $640,000 | 190.9% | 0.4% |
| Barrington Bank & Trust Company, N.A. | $155,000 | $635,000 | 309.7% | 0.4% |
| Arvest Bank | $175,000 | $610,000 | 248.6% | 0.4% |
| Gateway First Bank | $610,000 | n/a | 0.4% | |
| AMERICAN FINANCING CORPORATION | $595,000 | n/a | 0.4% | |
| AmeriHome Mortgage Company, LLC | $590,000 | n/a | 0.4% | |
| The Central Trust Bank | $1,255,000 | $575,000 | -54.2% | 0.4% |
| GUARANTEED RATE, INC. | $280,000 | $555,000 | 98.2% | 0.4% |
| CARDINAL FINANCIAL | $515,000 | n/a | 0.4% | |
| Regions Bank | $460,000 | n/a | 0.3% | |
| VERIDIAN CREDIT UNION | $380,000 | n/a | 0.3% | |
| GENEVA FINANCIAL, LLC | $370,000 | n/a | 0.3% | |
| LAKEVIEW LOAN SERVICING, LLC | $345,000 | $345,000 | 0.0% | 0.2% |
| NEW DAY FINANCIAL, LLC | $320,000 | $340,000 | 6.3% | 0.2% |
| LOANPAL, LLC | $440,000 | $335,000 | -23.9% | 0.2% |
| Carrington Mortgage Services, LLC | $255,000 | $325,000 | 27.5% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $315,000 | n/a | 0.2% | |
| First State Bank of St. Charles, Missouri | $315,000 | n/a | 0.2% | |
| Academy Bank | $305,000 | n/a | 0.2% | |
| First Federal Bank | $295,000 | n/a | 0.2% | |
| Mr. Cooper ( Nationstar Mortgage ) | $210,000 | $295,000 | 40.5% | 0.2% |
| Midwest Mortgage Associates Corporation | $290,000 | n/a | 0.2% | |
| PNC Bank | $285,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $530,000 | $280,000 | -47.2% | 0.2% |
| Equity Prime Mortgage LLC | $270,000 | n/a | 0.2% | |
| FIRST COMMUNITY MORTGAGE, INC. | $255,000 | n/a | 0.2% | |
| MISSOURI ELECTRIC COOPERATIVES EMPL | $255,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $630,000 | $255,000 | -59.5% | 0.2% |
| GUILD MORTGAGE COMPANY | $95,000 | $250,000 | 163.2% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $235,000 | n/a | 0.2% | |
| Farmers Bank & Trust | $225,000 | n/a | 0.2% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $85,000 | $225,000 | 164.7% | 0.2% |
| Members Mortgage Services, L.L.C. | $885,000 | $215,000 | -75.7% | 0.1% |
| MY MOVE MORTGAGE, LLC | $215,000 | n/a | 0.1% | |
| Figure Lending LLC | $205,000 | n/a | 0.1% | |
| Centennial Bank | $195,000 | n/a | 0.1% | |
| JPMorgan Chase Bank | $55,000 | $195,000 | 254.5% | 0.1% |
| Magnolia Bank | $380,000 | $185,000 | -51.3% | 0.1% |
| OPEN MORTGAGE, LLC | $185,000 | n/a | 0.1% | |
| Alliance Bank Central Texas | $175,000 | n/a | 0.1% | |
| Bank of America | $115,000 | $175,000 | 52.2% | 0.1% |
| Bloomsdale Bank | $115,000 | $175,000 | 52.2% | 0.1% |
| SCOTT CREDIT UNION | $170,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $160,000 | n/a | 0.1% | |
| Farm Credit Mid-America, ACA | $235,000 | $155,000 | -34.0% | 0.1% |
| Great Southern Bank | $155,000 | n/a | 0.1% | |
| FNBC Bank | $145,000 | n/a | 0.1% | |
| S1L, Inc. | $145,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $135,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $250,000 | $115,000 | -54.0% | 0.1% |
| JLB CORPORATION | $115,000 | n/a | 0.1% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $105,000 | n/a | 0.1% | |
| American Southwest Credit Union | $95,000 | n/a | 0.1% | |
| TOGETHER CREDIT UNION | $95,000 | n/a | 0.1% | |
| Truist | $155,000 | $95,000 | -38.7% | 0.1% |
| Renasant Bank | $90,000 | n/a | 0.1% | |
| CROSSCOUNTRY MORTGAGE, LLC | $255,000 | $75,000 | -70.6% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $55,000 | $75,000 | 36.4% | 0.1% |
| 21ST MORTGAGE CORPORATION | $265,000 | $65,000 | -75.5% | 0.0% |
| BancorpSouth | $45,000 | n/a | 0.0% | |
| Discover Bank | $35,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $25,000 | n/a | 0.0% |
Poplar Bluff's top lender by overall market share is Southern Bank, with 20.1% market share. In second place, with 15.2%, is DAS Acquisition Company, LLC, having originated $22,200,000 in loans. In third place, with 10.0%, is First Midwest Bank of Poplar Bluff, having originated $14,525,000 in loans. In fourth place, with 8.5%, is Peoples Community Bank, having originated $12,390,000 in loans. In fifth place, with 7.4%, is Flanagan State Bank, having originated $10,725,000 in loans.
Poplar Bluff, MO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 630 | $103,450,000 | $164,206 |
| Refi | 119 | $18,145,000 | $152,479 |
| Cash Out Refi | 97 | $14,015,000 | $144,485 |
| Home Improvement | 73 | $4,575,000 | $62,671 |
| Other | 73 | $5,665,000 | $77,603 |
Poplar Bluff's most frequently cited loan purpose was Home Purchase, with 630 originations. The 2nd most popular reason was Refi, with 119 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 326 | $56,660,000 | $173,804 |
| 7-8% | 176 | $26,470,000 | $150,398 |
| Over 8% | 150 | $15,070,000 | $100,467 |
| 5-6% | 79 | $15,615,000 | $197,658 |
| 4-5% | 4 | $630,000 | $157,500 |
| 2.5-3% | 4 | $530,000 | $132,500 |
| <2.5% | 1 | $5,000 | $5,000 |
| 3-4% | 1 | $45,000 | $45,000 |
During 2024, Poplar Bluff's most frequently originated rate bucket was 6-7%, with 326 originations.
Loan Sizing (Poplar Bluff, MO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 396 | $22,520,000 | $56,869 |
| $100k-200k | 378 | $55,490,000 | $146,799 |
| $200k-400k | 188 | $49,520,000 | $263,404 |
| $400k-600k | 20 | $9,460,000 | $473,000 |
| $600k-1000k | 8 | $6,170,000 | $771,250 |
| $Over $1MM | 2 | $2,690,000 | $1,345,000 |
Poplar Bluff's loan sizing saw the bucket of loans from $100,000 or less with 396 originations, totaling $22,520,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 404 | $71,500,000 | $176,980 |
| 60-80% | 133 | $21,995,000 | $165,376 |
| 20-40% | 64 | $5,270,000 | $82,344 |
| Under 20% | 60 | $2,660,000 | $44,333 |
| 40-60% | 52 | $8,070,000 | $155,192 |
| Over 100% | 5 | $1,045,000 | $209,000 |
Poplar Bluff's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 404 originations, totaling $71,500,000 in origination value.