Sedalia Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Sedalia averaged 6.83% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 7.05% and one month ago for the week of 2025-03-06, the average rate was 6.94%.

    Sedalia's average rate one year ago was 7.13%.

    For refis of the same type during the week of 2025-04-10, the average rate was 6.62%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Sedalia 30 Year Fixed Rate 2025-04-10 6.83%
    Sedalia 30 Year Fixed Rate Refi 2025-04-10 6.62%
    Sedalia 15 Year Fixed Rate 2025-04-10 5.92%
    Sedalia 15 Year Fixed Rate Refi 2025-04-10 5.82%
    Sedalia 30 Year FHA 2025-04-10 6.74%
    Sedalia 30 Year FHA Refi 2025-04-10 6.63%
    Sedalia 30 Year USDA 2025-04-10 6.45%
    Sedalia 30 Year USDA Refi 2025-04-10 6.45%
    Sedalia 30 Year VA 2025-04-10 6.64%
    Sedalia 30 Year VA Refi 2025-04-10 6.09%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sedalia, MO.

    Sedalia 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 Sedalia, 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
    The Central Trust Bank 43 7.33% $2,856
    FLAT BRANCH MORTGAGE, INC. 32 6.78% $2,837
    QUICKEN LOANS, LLC 16 6.83% $4,765
    Gateway First Bank 15 7.04% $2,184
    GERSHMAN INVESTMENT CORP. 15 6.63% $2,695
    COMMUNITY MORTGAGE, LLC 8 6.72% $2,211
    Simmons Bank 6 7.00% $2,450
    Community National Bank & Trust 5 7.60% $1,731
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 7.05% $2,823
    Midwest Mortgage Associates Corporation 5 6.67% $1,568
    CENTRAL MISSOURI COMMUNITY CREDIT UNION 5 6.58% $3,016
    U.S. Bank 5 6.97% $2,203
    Flagstar Bank, FSB 4 7.31% $2,979
    MOVEMENT MORTGAGE, LLC 4 6.75% $5,145
    Mortgage Research Center, LLC 3 7.00% $971
    Wells Fargo Bank 3 6.33% $3,631
    USAA Federal Savings Bank 2 7.06% $1,681
    KeyBank 2 6.94% $2,937
    CROSSCOUNTRY MORTGAGE, LLC 2 6.98% $7,579
    Arvest Bank 2 6.94% $2,925
    BROKER SOLUTIONS, INC. 2 6.75% $4,049
    Old National Bank 1 6.63% $2,108
    PHH Mortgage Corporation 1 6.13% $5,703
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.99% $3,055
    Prosperity Home Mortgage, LLC 1 6.63% $3,455
    ROYAL UNITED MORTGAGE LLC 1 6.50% $8,720
    SIRVA MORTGAGE, INC. 1 6.63% $0
    WEST COMMUNITY 1 6.63% $2,325
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.50% $2,544
    ZILLOW HOME LOANS, LLC 1 7.00% $2,857
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 8.13% $2,843
    Armed Forces Bank 1 5.88% $2,656
    CARDINAL FINANCIAL 1 7.99% $6,659
    Commerce Bank 1 7.13% $1,563
    COMMUNITYAMERICA 1 7.00% $2,203
    ENDEAVOR CAPITAL, LLC. 1 6.38% $4,334
    Equity Bank 1 6.13% $2,628
    FCS Financial FLCA 1 7.20% $3,168
    First State Community Bank 1 7.05% $1,464
    GUARANTEED RATE, INC. 1 7.13% $16,435
    HOMESIDE FINANCIAL, LLC 1 7.38% $2,608
    JPMorgan Chase Bank 1 7.25% $2,526
    LEADERONE FINANCIAL CORPORATION 1 6.00% $4,032
    LOANDEPOT.COM, LLC 1 6.88% $6,172
    MID AMERICAN 1 6.88% $2,699
    MORTGAGE SOLUTIONS LLC 1 6.38% $2,750
    NAVY FEDERAL CREDIT UNION 1 7.25% $8,964
    NBKC BANK 1 5.99% $2,072
    NFM, INC. 1 6.63% $8,830
    Oakstar Bank 1 6.63% $2,197

    Sedalia Average Closing Costs & Other Stats

    Sedalia, MO's 50 lenders originated 816 loans during 2024. The total origination value was $150,150,000, with an average loan value of $184,007.

    Sedalia's average closing costs are $3,802.

    The top Sedalia lender as defined by loan originations is The Central Trust Bank, with 43 loans originated. Their average total fees are $2,856, which is $19 higher than the next largest lender, FLAT BRANCH MORTGAGE, INC..

    The lowest fee Sedalia lenders (with over 10 loans originated) are Gateway First Bank ($2,184), GERSHMAN INVESTMENT CORP. ($2,695), FLAT BRANCH MORTGAGE, INC. ($2,837), The Central Trust Bank ($2,856) and QUICKEN LOANS, LLC ($4,765).

    The lowest rate Sedalia lenders (with over 10 loans originated) are GERSHMAN INVESTMENT CORP. (6.63%), FLAT BRANCH MORTGAGE, INC. (6.78%), QUICKEN LOANS, LLC (6.83%), Gateway First Bank (7.04%) and The Central Trust Bank (7.33%).

    Sedalia, 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. $12,460,000 $19,245,000 54.5% 12.8%
    The Central Trust Bank $13,530,000 $16,025,000 18.4% 10.7%
    Gateway First Bank $11,330,000 $11,240,000 -0.8% 7.5%
    Mortgage Research Center, LLC $5,580,000 $7,940,000 42.3% 5.3%
    QUICKEN LOANS, LLC $4,510,000 $7,440,000 65.0% 5.0%
    COMMUNITY MORTGAGE, LLC $4,850,000 $5,520,000 13.8% 3.7%
    BTC BANK $3,895,000 $4,700,000 20.7% 3.1%
    American Bank of Missouri $3,605,000 $4,680,000 29.8% 3.1%
    Midwest Mortgage Associates Corporation $2,815,000 $4,660,000 65.5% 3.1%
    GERSHMAN INVESTMENT CORP. $4,525,000 $3,655,000 -19.2% 2.4%
    Simmons Bank $4,705,000 $3,375,000 -28.3% 2.2%
    Wood & Huston Bank $4,260,000 $3,280,000 -23.0% 2.2%
    FREEDOM MORTGAGE CORPORATION $445,000 $2,660,000 497.8% 1.8%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,950,000 $2,525,000 29.5% 1.7%
    UNITED WHOLESALE MORTGAGE, LLC $1,360,000 $2,480,000 82.4% 1.7%
    U.S. Bank $2,835,000 $2,390,000 -15.7% 1.6%
    PEOPLES BANK & TRUST CO. $2,305,000 n/a 1.5%
    NEWREZ LLC $1,550,000 $2,240,000 44.5% 1.5%
    MOVEMENT MORTGAGE, LLC $6,300,000 $2,160,000 -65.7% 1.4%
    Equity Bank $1,505,000 $1,995,000 32.6% 1.3%
    NAVY FEDERAL CREDIT UNION $275,000 $1,660,000 503.6% 1.1%
    PENNYMAC LOAN SERVICES, LLC $440,000 $1,655,000 276.1% 1.1%
    Flagstar Bank, FSB $640,000 $1,425,000 122.7% 0.9%
    Bank of Odessa $2,855,000 $1,310,000 -54.1% 0.9%
    Community National Bank & Trust $1,800,000 $1,235,000 -31.4% 0.8%
    PLANET HOME LENDING, LLC $1,170,000 n/a 0.8%
    Arvest Bank $650,000 $1,115,000 71.5% 0.7%
    CENTRAL MISSOURI COMMUNITY CREDIT UNION $390,000 $1,055,000 170.5% 0.7%
    FCS Financial FLCA $205,000 $1,030,000 402.4% 0.7%
    USAA Federal Savings Bank $340,000 $1,005,000 195.6% 0.7%
    The Missouri Bank $2,230,000 $990,000 -55.6% 0.7%
    NBKC BANK $420,000 $895,000 113.1% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $520,000 $810,000 55.8% 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $830,000 $800,000 -3.6% 0.5%
    LOANDEPOT.COM, LLC $655,000 $775,000 18.3% 0.5%
    VILLAGE CAPITAL MORTGAGE $775,000 n/a 0.5%
    NFM, INC. $760,000 n/a 0.5%
    NEW DAY FINANCIAL, LLC $380,000 $740,000 94.7% 0.5%
    Magnolia Bank $325,000 $680,000 109.2% 0.5%
    LEADERONE FINANCIAL CORPORATION $350,000 $670,000 91.4% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $195,000 $630,000 223.1% 0.4%
    Midwest Regional Bank $180,000 $620,000 244.4% 0.4%
    Armed Forces Bank $245,000 $600,000 144.9% 0.4%
    BROKER SOLUTIONS, INC. $435,000 $575,000 32.2% 0.4%
    GUARANTEED RATE, INC. $940,000 $555,000 -41.0% 0.4%
    Alliant Bank $565,000 $505,000 -10.6% 0.3%
    WEST COMMUNITY $505,000 n/a 0.3%
    CARDINAL FINANCIAL $515,000 $410,000 -20.4% 0.3%
    Community Bank of Marshall $950,000 $400,000 -57.9% 0.3%
    Wells Fargo Bank $735,000 $395,000 -46.3% 0.3%
    American Mortgage & Equity Consultants, Inc. $390,000 n/a 0.3%
    Prosperity Home Mortgage, LLC $135,000 $390,000 188.9% 0.3%
    Texana Bank $385,000 n/a 0.3%
    Exchange Bank of Missouri $120,000 $370,000 208.3% 0.2%
    North American Savings Bank, F.S.B. $365,000 n/a 0.2%
    ACCESS CAPITAL FUNDING, L.L.C. $355,000 n/a 0.2%
    PREMIER MORTGAGE RESOURCES, L.L.C. $345,000 n/a 0.2%
    The Tipton Latham Bank $430,000 $335,000 -22.1% 0.2%
    KeyBank $310,000 n/a 0.2%
    Bell Bank $295,000 $305,000 3.4% 0.2%
    Carrington Mortgage Services, LLC $305,000 $295,000 -3.3% 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $370,000 $290,000 -21.6% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $285,000 $275,000 -3.5% 0.2%
    MID AMERICAN $65,000 $265,000 307.7% 0.2%
    Oakstar Bank $265,000 n/a 0.2%
    PHH Mortgage Corporation $265,000 n/a 0.2%
    GUILD MORTGAGE COMPANY $300,000 $260,000 -13.3% 0.2%
    Commerce Bank $255,000 n/a 0.2%
    DAS Acquisition Company, LLC $1,150,000 $245,000 -78.7% 0.2%
    FIRST COMMUNITY MORTGAGE, INC. $235,000 n/a 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $235,000 n/a 0.2%
    JPMorgan Chase Bank $260,000 $230,000 -11.5% 0.2%
    AMERISAVE MORTGAGE CORPORATION $155,000 $220,000 41.9% 0.1%
    F & C Bank $595,000 $210,000 -64.7% 0.1%
    Old Missouri Bank $635,000 $205,000 -67.7% 0.1%
    HOMESIDE FINANCIAL, LLC $380,000 $195,000 -48.7% 0.1%
    TOWNE MORTGAGE COMPANY $195,000 n/a 0.1%
    R-G Federal Credit Union $195,000 $185,000 -5.1% 0.1%
    UNION HOME MORTGAGE CORP. $185,000 n/a 0.1%
    SIRVA MORTGAGE, INC. $175,000 n/a 0.1%
    River Region Credit Union $55,000 $170,000 209.1% 0.1%
    Figure Lending LLC $25,000 $160,000 540.0% 0.1%
    Community Mortgage Banc Corporation $295,000 $155,000 -47.5% 0.1%
    ENDEAVOR CAPITAL, LLC. $215,000 $155,000 -27.9% 0.1%
    Old National Bank $155,000 n/a 0.1%
    CALCON MUTUAL MORTGAGE LLC $145,000 n/a 0.1%
    MID AMERICA MORTGAGE, INC. $145,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $315,000 $145,000 -54.0% 0.1%
    21ST MORTGAGE CORPORATION $135,000 n/a 0.1%
    First State Community Bank $135,000 n/a 0.1%
    Mortgage Investment Services Corporation $405,000 $135,000 -66.7% 0.1%
    Secured Investment Corp. $125,000 n/a 0.1%
    Discover Bank $175,000 $120,000 -31.4% 0.1%
    LOANPAL, LLC $290,000 $115,000 -60.3% 0.1%
    TOP FLITE FINANCIAL, INC. $115,000 n/a 0.1%
    NBH Bank $110,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $105,000 n/a 0.1%
    AMERICAN PORTFOLIO MORTGAGE CORPORATION $105,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $105,000 $105,000 0.0% 0.1%
    MORTGAGE SOLUTIONS LLC $105,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $105,000 n/a 0.1%
    The Bank of Missouri $100,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $65,000 $85,000 30.8% 0.1%
    COMMUNITYAMERICA $360,000 $75,000 -79.2% 0.0%
    PNC Bank $265,000 $45,000 -83.0% 0.0%
    Hawthorn Bank $210,000 $35,000 -83.3% 0.0%
    Regions Bank $25,000 n/a 0.0%

    Sedalia's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 12.8% market share. In second place, with 10.7%, is The Central Trust Bank, having originated $16,025,000 in loans. In third place, with 7.5%, is Gateway First Bank, having originated $11,240,000 in loans. In fourth place, with 5.3%, is Mortgage Research Center, LLC, having originated $7,940,000 in loans. In fifth place, with 5.0%, is QUICKEN LOANS, LLC, having originated $7,440,000 in loans.

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

    Realtor.com - Sedalia (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 $97,750 (2.7%) $146,346 (14.6%) 0.00 162
    2018-02-01 $97,100 (-1.7%) $146,184 (12.8%) 0.00 143
    2018-03-01 $99,250 (0.1%) $149,666 (11.9%) 0.00 131
    2018-04-01 $104,750 (2.7%) $143,084 (4.9%) 0.00 139
    2018-05-01 $101,875 (-3.7%) $138,655 (-4.4%) 0.00 146
    2018-06-01 $106,450 (-9.0%) $157,494 (2.8%) 0.00 165
    2018-07-01 $111,250 (-7.3%) $158,387 (-1.0%) 0.00 174
    2018-08-01 $110,000 (-3.1%) $159,877 (1.6%) 0.00 175
    2018-09-01 $110,000 (-9.0%) $166,914 (2.5%) 0.00 177
    2018-10-01 $109,925 (11.6%) $168,722 (8.5%) 0.00 175
    2018-11-01 $112,750 (21.1%) $172,858 (13.1%) 0.00 173
    2018-12-01 $119,000 (18.7%) $175,938 (12.7%) 0.00 154
    2019-01-01 $112,750 (15.4%) $164,542 (12.4%) 0.00 163
    2019-02-01 $125,650 (29.4%) $164,952 (12.8%) 0.00 165
    2019-03-01 $131,121 (32.1%) $174,131 (16.4%) 0.00 153
    2019-04-01 $139,721 (33.4%) $184,249 (28.8%) 0.00 138
    2019-05-01 $141,675 (39.1%) $187,830 (35.5%) 0.00 128
    2019-06-01 $155,000 (45.6%) $193,888 (23.1%) 0.00 142
    2019-07-01 $137,225 (23.4%) $187,577 (18.4%) 0.00 146
    2019-08-01 $135,986 (23.6%) $187,122 (17.0%) 0.00 169
    2019-09-01 $132,591 (20.5%) $181,953 (9.0%) 0.00 205
    2019-10-01 $129,950 (18.2%) $177,708 (5.3%) 0.00 233
    2019-11-01 $136,200 (20.8%) $177,135 (2.5%) 0.00 158
    2019-12-01 $141,850 (19.2%) $177,489 (0.9%) 0.00 142
    2020-01-01 $129,750 (15.1%) $171,771 (4.4%) 0.00 143
    2020-02-01 $127,250 (1.3%) $169,314 (2.6%) 0.00 138
    2020-03-01 $125,000 (-4.7%) $163,904 (-5.9%) 0.00 138
    2020-04-01 $123,425 (-11.7%) $165,598 (-10.1%) 0.00 139
    2020-05-01 $148,950 (5.1%) $174,203 (-7.3%) 0.00 120
    2020-06-01 $176,725 (14.0%) $194,231 (0.2%) 0.00 105
    2020-07-01 $182,100 (32.7%) $205,687 (9.7%) 0.00 101
    2020-08-01 $169,450 (24.6%) $197,511 (5.6%) 0.00 102
    2020-09-01 $144,425 (8.9%) $180,297 (-0.9%) 0.00 101
    2020-10-01 $127,950 (-1.5%) $164,888 (-7.2%) 0.00 104
    2020-11-01 $126,000 (-7.5%) $160,800 (-9.2%) 0.00 102
    2020-12-01 $121,500 (-14.4%) $155,980 (-12.1%) 0.00 89
    2021-01-01 $125,000 (-3.7%) $175,953 (2.4%) 0.00 63
    2021-02-01 $139,000 (9.2%) $187,342 (10.7%) 0.00 49
    2021-03-01 $146,175 (16.9%) $225,558 (37.6%) 0.00 47
    2021-04-01 $145,975 (18.3%) $214,602 (29.6%) 0.00 43
    2021-05-01 $140,000 (-6.0%) $207,392 (19.1%) 0.00 50
    2021-06-01 $144,075 (-18.5%) $201,897 (4.0%) 0.00 55
    2021-07-01 $147,900 (-18.8%) $189,160 (-8.0%) 0.00 73
    2021-08-01 $137,875 (-18.6%) $172,180 (-12.8%) 0.00 77
    2021-09-01 $149,900 (3.8%) $216,495 (20.1%) 0.00 74
    2021-10-01 $161,450 (26.2%) $236,859 (43.7%) 0.00 73
    2021-11-01 $172,450 (36.9%) $265,960 (65.4%) 0.00 65
    2021-12-01 $199,950 (64.6%) $290,176 (86.0%) 0.00 57
    2022-01-01 $145,000 (16.0%) $253,205 (43.9%) 0.00 52
    2022-02-01 $118,700 (-14.6%) $210,848 (12.6%) 0.00 49
    2022-03-01 $129,950 (-11.1%) $206,181 (-8.6%) 0.00 50
    2022-04-01 $145,000 (-0.7%) $253,268 (18.0%) 0.00 44
    2022-05-01 $150,675 (7.6%) $250,089 (20.6%) 0.00 59
    2022-06-01 $158,750 (10.2%) $253,712 (25.7%) 0.00 67
    2022-07-01 $169,150 (14.4%) $265,097 (40.1%) 0.00 75
    2022-08-01 $169,575 (23.0%) $262,698 (52.6%) 0.00 85
    2022-09-01 $174,325 (16.3%) $266,478 (23.1%) 0.00 81
    2022-10-01 $159,900 (-1.0%) $218,668 (-7.7%) 0.00 79
    2022-11-01 $179,950 (4.4%) $235,939 (-11.3%) 0.00 95
    2022-12-01 $179,900 (-10.0%) $234,810 (-19.1%) 0.00 95
    2023-01-01 $190,000 (31.0%) $243,946 (-3.7%) 0.00 87
    2023-02-01 $217,450 (83.2%) $254,092 (20.5%) 0.00 76
    2023-03-01 $228,675 (76.0%) $261,797 (27.0%) 0.00 66
    2023-04-01 $250,000 (72.4%) $266,677 (5.3%) 0.00 60
    2023-05-01 $257,425 (70.9%) $272,146 (8.8%) 0.00 55
    2023-06-01 $246,225 (55.1%) $280,473 (10.6%) 0.00 60
    2023-07-01 $257,450 (52.2%) $289,845 (9.3%) 0.00 62
    2023-08-01 $230,688 (36.0%) $273,113 (4.0%) 0.00 73
    2023-09-01 $215,000 (23.3%) $244,273 (-8.3%) 0.00 74
    2023-10-01 $210,000 (31.3%) $271,443 (24.1%) 0.00 80
    2023-11-01 $216,250 (20.2%) $274,142 (16.2%) 0.00 94
    2023-12-01 $206,000 (14.5%) $270,196 (15.1%) 0.00 99
    2024-01-01 $200,394 (5.5%) $269,097 (10.3%) 0.00 95
    2024-02-01 $209,900 (-3.5%) $273,081 (7.5%) 0.00 96
    2024-03-01 $209,900 (-8.2%) $274,678 (4.9%) 0.00 100
    2024-04-01 $218,475 (-12.6%) $282,111 (5.8%) 0.00 81
    2024-05-01 $213,700 (-17.0%) $287,185 (5.5%) 0.00 83
    2024-06-01 $243,750 (-1.0%) $299,620 (6.8%) 0.00 91
    2024-07-01 $249,450 (-3.1%) $302,933 (4.5%) 0.00 89
    2024-08-01 $232,000 (0.6%) $306,558 (12.3%) 0.00 87
    2024-09-01 $236,204 (9.9%) $297,904 (22.0%) 0.00 102
    2024-10-01 $228,950 (9.0%) $294,270 (8.4%) 0.00 110
    2024-11-01 $229,900 (6.3%) $295,966 (8.0%) 0.00 108
    2024-12-01 $239,450 (16.2%) $287,054 (6.2%) 0.00 109
    2025-01-01 $223,375 (11.5%) $280,422 (4.2%) 0.00 93
    2025-02-01 $236,075 (12.5%) $284,940 (4.3%) 0.00 91
    2025-03-01 $242,000 (15.3%) $268,758 (-2.2%) 0.00 83
    Sedalia's median listing price for 2025-03-01 was $242,000, a difference of $32,100 (15.3%) versus the prior year and $5,925 versus the prior month.

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

    Sedalia's average listing price for 2025-03-01 was $268,758, a difference of $-5,920 (-2.2%) versus the prior year and $-16,182 versus the prior month.

    For the 2025-03-01 period, Sedalia had 83 MLS listings, a difference of -8 listings (-9%) versus the prior month and -17 listings (-17%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sedalia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,457 sqft
    2018-02-01 0 days 1,403 sqft
    2018-03-01 0 days 1,400 sqft
    2018-04-01 0 days 1,438 sqft
    2018-05-01 0 days 1,414 sqft
    2018-06-01 0 days 1,418 sqft
    2018-07-01 0 days 1,498 sqft
    2018-08-01 0 days 1,636 sqft
    2018-09-01 0 days 1,628 sqft
    2018-10-01 0 days 1,609 sqft
    2018-11-01 0 days 1,601 sqft
    2018-12-01 0 days 1,652 sqft
    2019-01-01 0 days 1,620 sqft
    2019-02-01 0 days 1,620 sqft
    2019-03-01 0 days 1,625 sqft
    2019-04-01 0 days 1,628 sqft
    2019-05-01 0 days 1,743 sqft
    2019-06-01 0 days 1,750 sqft
    2019-07-01 0 days 1,707 sqft
    2019-08-01 0 days 1,713 sqft
    2019-09-01 0 days 1,679 sqft
    2019-10-01 0 days 1,654 sqft
    2019-11-01 0 days 1,643 sqft
    2019-12-01 0 days 1,666 sqft
    2020-01-01 0 days 1,562 sqft
    2020-02-01 0 days 1,554 sqft
    2020-03-01 0 days 1,564 sqft
    2020-04-01 0 days 1,581 sqft
    2020-05-01 0 days 1,648 sqft
    2020-06-01 0 days 1,768 sqft
    2020-07-01 0 days 1,854 sqft
    2020-08-01 0 days 1,890 sqft
    2020-09-01 0 days 1,724 sqft
    2020-10-01 0 days 1,600 sqft
    2020-11-01 0 days 1,592 sqft
    2020-12-01 0 days 1,510 sqft
    2021-01-01 0 days 1,723 sqft
    2021-02-01 0 days 1,451 sqft
    2021-03-01 0 days 1,597 sqft
    2021-04-01 0 days 1,706 sqft
    2021-05-01 0 days 1,858 sqft
    2021-06-01 0 days 1,882 sqft
    2021-07-01 0 days 1,606 sqft
    2021-08-01 0 days 1,780 sqft
    2021-09-01 0 days 1,611 sqft
    2021-10-01 0 days 1,572 sqft
    2021-11-01 0 days 1,556 sqft
    2021-12-01 0 days 1,576 sqft
    2022-01-01 0 days 1,428 sqft
    2022-02-01 0 days 1,330 sqft
    2022-03-01 0 days 1,274 sqft
    2022-04-01 0 days 1,312 sqft
    2022-05-01 0 days 1,429 sqft
    2022-06-01 0 days 1,294 sqft
    2022-07-01 0 days 1,368 sqft
    2022-08-01 0 days 1,406 sqft
    2022-09-01 0 days 1,498 sqft
    2022-10-01 0 days 1,380 sqft
    2022-11-01 0 days 1,475 sqft
    2022-12-01 0 days 1,483 sqft
    2023-01-01 0 days 1,534 sqft
    2023-02-01 0 days 1,615 sqft
    2023-03-01 0 days 1,728 sqft
    2023-04-01 0 days 1,745 sqft
    2023-05-01 0 days 1,662 sqft
    2023-06-01 0 days 1,592 sqft
    2023-07-01 0 days 1,747 sqft
    2023-08-01 0 days 1,685 sqft
    2023-09-01 0 days 1,642 sqft
    2023-10-01 0 days 1,476 sqft
    2023-11-01 0 days 1,598 sqft
    2023-12-01 0 days 1,569 sqft
    2024-01-01 0 days 1,573 sqft
    2024-02-01 0 days 1,715 sqft
    2024-03-01 0 days 1,672 sqft
    2024-04-01 0 days 1,591 sqft
    2024-05-01 0 days 1,617 sqft
    2024-06-01 0 days 1,600 sqft
    2024-07-01 0 days 1,703 sqft
    2024-08-01 0 days 1,749 sqft
    2024-09-01 0 days 1,655 sqft
    2024-10-01 0 days 1,622 sqft
    2024-11-01 0 days 1,670 sqft
    2024-12-01 0 days 1,647 sqft
    2025-01-01 0 days 1,651 sqft
    2025-02-01 0 days 1,650 sqft
    2025-03-01 0 days 1,736 sqft
    Sedalia's median listing age (time on market) for 2025-03-01 was 0 days.

    Sedalia's median square footage for active listings during the 2025-03-01 period was 1,736 sqft. One year prior, the average listing was 1,672 sqft.

    Sedalia, MO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 473 $101,115,000 $213,774
    Cash Out Refi 120 $17,290,000 $144,083
    Refi 117 $24,655,000 $210,726
    Home Improvement 56 $3,620,000 $64,643
    Other 50 $3,470,000 $69,400

    Sedalia's most frequently cited loan purpose was Home Purchase, with 473 originations. The 2nd most popular reason was Cash Out Refi, with 120 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 349 $70,975,000 $203,367
    7-8% 126 $28,540,000 $226,508
    Over 8% 125 $11,725,000 $93,800
    5-6% 119 $20,925,000 $175,840
    4-5% 9 $1,005,000 $111,667
    <2.5% 7 $245,000 $35,000
    2.5-3% 2 $600,000 $300,000

    During 2024, Sedalia's most frequently originated rate bucket was 6-7%, with 349 originations.

    Loan Sizing (Sedalia, MO MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 315 $47,125,000 $149,603
    $200k-400k 234 $63,770,000 $272,521
    $100,000 or less 225 $12,175,000 $54,111
    $400k-600k 33 $15,445,000 $468,030
    $600k-1000k 5 $3,625,000 $725,000
    $Over $1MM 4 $8,010,000 $2,002,500

    Sedalia's loan sizing saw the bucket of loans from $100k-200k with 315 originations, totaling $47,125,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 361 $77,165,000 $213,753
    60-80% 123 $24,865,000 $202,154
    Under 20% 82 $4,770,000 $58,171
    20-40% 74 $8,570,000 $115,811
    40-60% 55 $9,025,000 $164,091
    Over 100% 21 $5,365,000 $255,476

    Sedalia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 361 originations, totaling $77,165,000 in origination value.