Poplar Bluff Mortgage Rates & Closing Costs

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

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%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Poplar Bluff, MO.

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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Southern Bank 65 7.13% $1,812
DAS Acquisition Company, LLC 22 6.77% $4,671
QUICKEN LOANS, LLC 13 6.96% $5,192
Flanagan State Bank 7 6.70% $5,180
U.S. Bank 6 7.08% $2,806
FLAT BRANCH MORTGAGE, INC. 5 7.02% $2,778
The Bank of Missouri 5 7.14% $6,150
The Central Trust Bank 3 7.00% $3,209
NEWREZ LLC 2 6.49% $4,304
Arvest Bank 2 6.75% $4,852
SCOTT CREDIT UNION 2 6.81% $2,319
First State Community Bank 2 7.05% $988
Mr. Cooper ( Nationstar Mortgage ) 2 7.31% $4,569
UNITED WHOLESALE MORTGAGE, LLC 2 5.78% $5,488
NAVY FEDERAL CREDIT UNION 2 6.63% $4,289
GERSHMAN INVESTMENT CORP. 2 7.00% $2,545
Midwest Mortgage Associates Corporation 1 6.63% $600
MISSOURI ELECTRIC COOPERATIVES EMPL 1 5.88% $2,043
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $5,321
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.99% $3,248
Regions Bank 1 6.88% $2,623
ROYAL UNITED MORTGAGE LLC 1 7.13% $6,842
S1L, Inc. 1 7.00% $3,699
Stifel Bank and Trust 1 6.50% $3,693
TOGETHER CREDIT UNION 1 6.38% $2,424
Truist 1 6.88% $3,328
VANDERBILT MORTGAGE AND FINANCE, INC. 1 8.75% $7,778
AMERISAVE MORTGAGE CORPORATION 1 7.38% $7,641
VERIDIAN CREDIT UNION 1 5.75% $2,288
Bank of America 1 7.25% $2,802
Barrington Bank & Trust Company, N.A. 1 7.00% $4,914
BROKER SOLUTIONS, INC. 1 5.99% $5,496
Charles Schwab Bank, SSB 1 6.50% $3,601
EVERETT FINANCIAL, INC. 1 7.13% $5,142
Farm Credit Mid-America, ACA 1 6.88% $4,088
Farmers Bank & Trust 1 6.13% $2,962
First Federal Bank 1 7.00% $7,841
First State Bank of St. Charles, Missouri 1 7.38% $4,072
Flagstar Bank, FSB 1 6.13% $1,719
FREEDOM MORTGAGE CORPORATION 1 5.88% $6,712
Gateway First Bank 1 7.13% $3,921
GENEVA FINANCIAL, LLC 1 6.63% $6,136
HOMESIDE FINANCIAL, LLC 1 7.50% $3,579
LOANDEPOT.COM, LLC 1 7.38% $5,521

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.