ST. JOSEPH Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in St. Joseph averaged 7.26% for the week of 2023-11-30, compared to the national average of 7.22% for the same period.

The average rate for the prior week (2023-11-22) was 7.33% and one month ago for the week of 2023-10-26, the average rate was 7.53%.

St. Joseph's average rate one year ago was 6.32%.

For refis of the same type during the week of 2023-11-30, the average rate was 6.61%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-11-30 7.22%
St. Joseph 30 Year Fixed Rate 2023-11-30 7.26%
St. Joseph 30 Year Fixed Rate Refi 2023-11-30 6.61%
St. Joseph 15 Year Fixed Rate 2023-11-30 6.56%
St. Joseph 15 Year Fixed Rate Refi 2023-11-30 6.56%
St. Joseph 30 Year FHA 2023-11-30 6.8%
St. Joseph 30 Year FHA Refi 2023-11-30 6.85%
St. Joseph 30 Year USDA 2023-11-30 7.1%
St. Joseph 30 Year USDA Refi 2023-11-30 6.9%
St. Joseph 30 Year VA 2023-11-30 6.45%
St. Joseph 30 Year VA Refi 2023-11-30 6.97%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ST. JOSEPH, MO-KS.

ST. JOSEPH 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 ST. JOSEPH, MO-KS 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 130 5.27% $2,899
U.S. Bank 86 5.20% $2,784
PRIMELENDING, A PLAINSCAPITAL COMPANY 76 5.40% $3,432
HNB National Bank 56 4.89% $1,631
QUICKEN LOANS, LLC 54 5.18% $5,781
FLAT BRANCH MORTGAGE, INC. 39 5.30% $2,985
Commerce Bank 23 4.65% $2,715
ENDEAVOR CAPITAL, LLC. 18 5.69% $3,655
Flanagan State Bank 18 5.36% $3,597
Flagstar Bank, FSB 17 4.95% $2,710
Community Mortgage Banc Corporation 16 4.05% $2,239
LOANDEPOT.COM, LLC 16 5.08% $5,120
NBH Bank 15 5.28% $2,395
LEADERONE FINANCIAL CORPORATION 14 4.80% $3,651
Mr. Cooper ( Nationstar Mortgage ) 13 4.62% $6,468
COMMUNITYAMERICA 13 4.79% $2,538
OPEN MORTGAGE, LLC 12 5.94% $4,289
UNITED WHOLESALE MORTGAGE, LLC 11 4.67% $4,705
Wells Fargo Bank 11 4.75% $3,191
COMMUNITY MORTGAGE, LLC 11 4.90% $3,228
JPMorgan Chase Bank 10 5.01% $3,248
AMERICAN PORTFOLIO MORTGAGE CORPORATION 9 5.89% $3,539
The Central Trust Bank 8 5.17% $2,718
BNC National Bank 8 5.17% $3,206
Mortgage Investment Services Corporation 7 5.98% $2,882
CARDINAL FINANCIAL 7 4.73% $6,222
CALIBER HOME LOANS, INC. 7 5.16% $4,231
UMB Bank 6 5.40% $2,585
SUMMIT FUNDING, INC. 6 5.91% $3,564
AMERISAVE MORTGAGE CORPORATION 6 5.71% $4,999
FINANCE OF AMERICA MORTGAGE LLC 6 4.54% $3,776
North American Savings Bank, F.S.B. 5 4.90% $1,674
Arvest Bank 5 4.28% $2,660
MEGASTAR FINANCIAL CORP. 5 5.18% $3,672
M&T Bank 4 4.34% $4,738
Stifel Bank and Trust 4 4.28% $1,874
MOVEMENT MORTGAGE, LLC 4 5.22% $2,733
DAS Acquisition Company, LLC 4 5.59% $3,598
NEWREZ LLC 4 4.69% $3,307
FREEDOM MORTGAGE CORPORATION 4 5.59% $6,092
HOME POINT FINANCIAL CORPORATION 4 4.56% $5,485
NBKC BANK 4 4.59% $2,137
CROSSCOUNTRY MORTGAGE, LLC 3 5.54% $5,216
GERSHMAN INVESTMENT CORP. 3 5.29% $3,511
Ally Bank 3 6.00% $3,339
NAVY FEDERAL CREDIT UNION 3 4.21% $2,478
Mortgage Research Center, LLC 3 5.79% $4,578
Mazuma Credit Union 3 6.04% $2,386
PENTAGON FEDERAL CREDIT UNION 2 4.38% $2,316
AMERICAN PACIFIC MORTGAGE CORPORATION 2 5.63% $8,127
ASSEMBLIES OF GOD Credit Union 2 5.68% $2,268
Bank of America 2 4.88% $2,637
DELMAR FINANCIAL COMPANY 2 6.75% $5,268
EVERETT FINANCIAL, INC. 2 6.31% $1,934
First National Bank of Omaha 2 4.50% $2,701
First State Bank of St. Charles, Missouri 2 4.44% $2,708
GENEVA FINANCIAL, LLC 2 4.81% $5,986
GUARANTEED RATE, INC. 2 5.95% $3,353
GUILD MORTGAGE COMPANY 2 6.81% $2,737
Hometown Lenders, Inc. 2 5.44% $6,201
INLANTA MORTGAGE, INC. 2 5.50% $3,915
JLB CORPORATION 2 5.31% $5,016
LOANPAL, LLC 2 4.87% $4,464
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.06% $5,533
Neighborhood Loans, Inc. 2 5.13% $2,783
PENNYMAC LOAN SERVICES, LLC 2 5.88% $2,235
Plains Commerce Bank 2 6.81% $5,755
ROYAL UNITED MORTGAGE LLC 2 5.25% $5,773
Sierra Pacific Mortgage Company, Inc. 2 4.75% $3,687
UNION HOME MORTGAGE CORP. 2 5.25% $3,292
United Fidelity Funding Corp. 2 4.69% $4,372
MORTGAGE SOLUTIONS LLC 1 5.25% $4,646
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.63% $2,880
First Financial Bank 1 6.00% $6,469
First Federal Bank of Kansas City 1 6.13% $3,354
First Bank 1 5.75% $2,963
Arbor Bank 1 3.99% $2,625
Nations Lending Corporation 1 4.38% $970
Farm Credit Mid-America, ACA 1 3.75% $11,843
Colonial Savings, F.A. 1 5.50% $4,223
CITIZENS EQUITY FIRST 1 5.38% $2,414
USAA Federal Savings Bank 1 3.88% $3,560
Carrington Mortgage Services, LLC 1 4.50% $3,967
BROKER SOLUTIONS, INC. 1 4.38% $2,932
Oakstar Bank 1 3.99% $3,035
BMO Harris Bank 1 3.88% $3,090
PANORAMA MORTGAGE GROUP, LLC 1 7.00% $6,965
Paramount Bank 1 3.63% $5,194
AmRes Corporation 1 5.63% $3,233
21ST MORTGAGE CORPORATION 1 6.35% $5,434
PHH Mortgage Corporation 1 4.25% $6,050
Waterstone Mortgage Corporation 1 7.50% $2,869
PLAZA HOME MORTGAGE, INC. 1 5.50% $3,345
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.25% $8,038
BETTER MORTGAGE CORPORATION 1 3.00% $8,220
Prosperity Home Mortgage, LLC 1 6.63% $6,595
Beeline Loans, Inc. 1 6.75% $5,915
Regions Bank 1 4.75% $2,294
Royal Credit Union 1 3.75% $3,614
Amerifirst Financial, Inc. 1 4.00% $0
WINGS FINANCIAL 1 3.88% $2,823
BAY EQUITY LLC 1 3.88% $2,923
Barrington Bank & Trust Company, N.A. 1 5.50% $3,042
Bank of England 1 6.00% $2,446
The Home Loan Expert LLC 1 4.99% $13,166
TOP FLITE FINANCIAL, INC. 1 5.38% $10,935
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.88% $6,996
Wyndham Capital Mortgage, Inc. 1 3.25% $2,724
United Community Bank 1 5.75% $1,513
JAMES B. NUTTER & COMPANY 1 6.13% $9,376
ZILLOW HOME LOANS, LLC 1 5.63% $2,736
IOWA BANKERS MORTGAGE CORPORATION 1 4.88% $2,108
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.75% $3,810
MID AMERICA MORTGAGE, INC. 1 3.38% $2,298
Midwest Heritage Bank FSB 1 5.00% $2,043
MISSOURI ELECTRIC COOPERATIVES EMPL 1 3.25% $0
GUIDANCE RESIDENTIAL, LLC 1 5.25% $5,145
First National Bank of America 1 6.99% $6,938

ST. JOSEPH Average Closing Costs & Other Stats

ST. JOSEPH, MO-KS's 118 lenders originated 2,534 loans during 2022. The total origination value was $407,660,000, with an average loan value of $160,876.

ST. JOSEPH's average closing costs are $3,636.

The top ST. JOSEPH lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 130 loans originated. Their average total fees are $2,899, which is $115 higher than the next largest lender, U.S. Bank.

The lowest fee ST. JOSEPH lenders (with over 10 loans originated) are HNB National Bank ($1,631), Community Mortgage Banc Corporation ($2,239), NBH Bank ($2,395), COMMUNITYAMERICA ($2,538) and Flagstar Bank, FSB ($2,710).

The lowest rate ST. JOSEPH lenders (with over 10 loans originated) are Community Mortgage Banc Corporation (4.05%), Mr. Cooper ( Nationstar Mortgage ) (4.62%), Commerce Bank (4.65%), UNITED WHOLESALE MORTGAGE, LLC (4.67%) and Wells Fargo Bank (4.75%).

ST. JOSEPH, MO-KS 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $75,865,000 $39,415,000 -48.0% 9.7%
PRIMELENDING, A PLAINSCAPITAL COMPANY $43,845,000 $26,020,000 -40.7% 6.4%
U.S. Bank $36,005,000 $25,530,000 -29.1% 6.3%
QUICKEN LOANS, LLC $58,515,000 $24,880,000 -57.5% 6.1%
HNB National Bank $26,770,000 $16,835,000 -37.1% 4.1%
Farmers State Bank $18,635,000 $15,265,000 -18.1% 3.7%
The Nodaway Valley Bank $16,720,000 $14,525,000 -13.1% 3.6%
Commerce Bank $17,010,000 $13,500,000 -20.6% 3.3%
FLAT BRANCH MORTGAGE, INC. $13,410,000 $12,550,000 -6.4% 3.1%
Mortgage Research Center, LLC $11,615,000 $10,470,000 -9.9% 2.6%
Flanagan State Bank $5,820,000 $7,705,000 32.4% 1.9%
ENDEAVOR CAPITAL, LLC. $6,280,000 $6,790,000 8.1% 1.7%
LEADERONE FINANCIAL CORPORATION $6,245,000 $6,525,000 4.5% 1.6%
KS StateBank $2,250,000 $5,590,000 148.4% 1.4%
NBH Bank $8,455,000 $5,500,000 -34.9% 1.3%
Flagstar Bank, FSB $4,640,000 $5,320,000 14.7% 1.3%
LOANDEPOT.COM, LLC $5,745,000 $5,285,000 -8.0% 1.3%
Exchange Bank & Trust $6,910,000 $5,190,000 -24.9% 1.3%
COMMUNITYAMERICA $3,340,000 $4,220,000 26.3% 1.0%
Cedar Rapids Bank and Trust Company $4,005,000 n/a 1.0%
Wells Fargo Bank $9,445,000 $4,000,000 -57.6% 1.0%
The Union State Bank of Everest $6,585,000 $3,835,000 -41.8% 0.9%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $5,945,000 $3,775,000 -36.5% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $9,495,000 $3,520,000 -62.9% 0.9%
First Option Bank $3,035,000 $3,460,000 14.0% 0.8%
COMMUNITY MORTGAGE, LLC $3,400,000 $3,450,000 1.5% 0.8%
The Central Trust Bank $1,145,000 $3,430,000 199.6% 0.8%
Mutual Savings Association $6,985,000 $3,425,000 -51.0% 0.8%
UNITED WHOLESALE MORTGAGE, LLC $3,865,000 $3,425,000 -11.4% 0.8%
Community Mortgage Banc Corporation $13,745,000 $3,280,000 -76.1% 0.8%
HOME POINT FINANCIAL CORPORATION $2,635,000 $3,100,000 17.6% 0.8%
CoreFirst Bank & Trust $435,000 $3,040,000 598.9% 0.7%
MORTGAGE SOLUTIONS OF COLORADO, LLC $290,000 $2,955,000 919.0% 0.7%
AMERISAVE MORTGAGE CORPORATION $6,105,000 $2,925,000 -52.1% 0.7%
BTC BANK $1,490,000 $2,900,000 94.6% 0.7%
Arvest Bank $2,440,000 $2,875,000 17.8% 0.7%
JPMorgan Chase Bank $4,440,000 $2,860,000 -35.6% 0.7%
FREEDOM MORTGAGE CORPORATION $18,500,000 $2,805,000 -84.8% 0.7%
UMB Bank $5,360,000 $2,745,000 -48.8% 0.7%
OPEN MORTGAGE, LLC $4,480,000 $2,695,000 -39.8% 0.7%
SUMMIT FUNDING, INC. $2,405,000 n/a 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,685,000 $2,375,000 -11.5% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $3,595,000 $2,340,000 -34.9% 0.6%
NAVY FEDERAL CREDIT UNION $2,220,000 $2,325,000 4.7% 0.6%
Wells Bank $6,105,000 $2,285,000 -62.6% 0.6%
Access Bank $775,000 $2,235,000 188.4% 0.5%
CALIBER HOME LOANS, INC. $3,200,000 $2,085,000 -34.8% 0.5%
North American Savings Bank, F.S.B. $3,485,000 $2,060,000 -40.9% 0.5%
PENNYMAC LOAN SERVICES, LLC $5,820,000 $1,945,000 -66.6% 0.5%
Equity Bank $185,000 $1,885,000 918.9% 0.5%
BNC National Bank $610,000 $1,880,000 208.2% 0.5%
NBKC BANK $1,955,000 $1,875,000 -4.1% 0.5%
21ST MORTGAGE CORPORATION $1,375,000 $1,785,000 29.8% 0.4%
Mortgage Investment Services Corporation $2,975,000 $1,665,000 -44.0% 0.4%
Stifel Bank and Trust $720,000 $1,575,000 118.8% 0.4%
FINANCE OF AMERICA MORTGAGE LLC $1,370,000 $1,565,000 14.2% 0.4%
Carrington Mortgage Services, LLC $1,395,000 $1,515,000 8.6% 0.4%
EVERETT FINANCIAL, INC. $395,000 $1,235,000 212.7% 0.3%
NEWREZ LLC $3,940,000 $1,220,000 -69.0% 0.3%
MEGASTAR FINANCIAL CORP. $1,195,000 $1,200,000 0.4% 0.3%
MID AMERICA MORTGAGE, INC. $1,315,000 $1,190,000 -9.5% 0.3%
The Federal Savings Bank $1,415,000 $1,100,000 -22.3% 0.3%
UNION HOME MORTGAGE CORP. $2,440,000 $1,090,000 -55.3% 0.3%
MOVEMENT MORTGAGE, LLC $890,000 $1,080,000 21.3% 0.3%
Bank of America $2,090,000 $1,075,000 -48.6% 0.3%
DAS Acquisition Company, LLC $1,330,000 $1,055,000 -20.7% 0.3%
GERSHMAN INVESTMENT CORP. $1,175,000 $1,050,000 -10.6% 0.3%
Prosperity Home Mortgage, LLC $1,885,000 $1,040,000 -44.8% 0.3%
LAKEVIEW LOAN SERVICING, LLC $5,655,000 $1,025,000 -81.9% 0.3%
GUARANTEED RATE, INC. $3,575,000 $945,000 -73.6% 0.2%
First Federal Bank of Kansas City $665,000 $820,000 23.3% 0.2%
BOKF $950,000 $800,000 -15.8% 0.2%
LENDINGHOME FUNDING CORPORATION $540,000 $760,000 40.7% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $495,000 $720,000 45.5% 0.2%
Wyndham Capital Mortgage, Inc. $750,000 $715,000 -4.7% 0.2%
BROKER SOLUTIONS, INC. $1,530,000 $710,000 -53.6% 0.2%
CMG MORTGAGE, INC. $285,000 $705,000 147.4% 0.2%
PANORAMA MORTGAGE GROUP, LLC $105,000 $700,000 566.7% 0.2%
Barrington Bank & Trust Company, N.A. $220,000 $680,000 209.1% 0.2%
PENTAGON FEDERAL CREDIT UNION $75,000 $675,000 800.0% 0.2%
Ally Bank $315,000 $665,000 111.1% 0.2%
The Home Loan Expert LLC $660,000 n/a 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $710,000 $655,000 -7.7% 0.2%
ZILLOW HOME LOANS, LLC $565,000 $625,000 10.6% 0.2%
INLANTA MORTGAGE, INC. $1,635,000 $615,000 -62.4% 0.2%
Farm Credit Mid-America, ACA $730,000 $605,000 -17.1% 0.1%
DOMINION FINANCIAL SERVICES, LLC $580,000 n/a 0.1%
First Bank $135,000 $580,000 329.6% 0.1%
M&T Bank $800,000 $575,000 -28.1% 0.1%
Hometown Lenders, Inc. $400,000 $565,000 41.3% 0.1%
JLB CORPORATION $1,485,000 $565,000 -62.0% 0.1%
BMO Harris Bank $595,000 $560,000 -5.9% 0.1%
Royal Credit Union $555,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $500,000 $540,000 8.0% 0.1%
Mazuma Credit Union $805,000 $540,000 -32.9% 0.1%
Country Club Bank $1,110,000 $530,000 -52.3% 0.1%
NEW DAY FINANCIAL, LLC $2,000,000 $515,000 -74.3% 0.1%
First National Bank of Omaha $930,000 $510,000 -45.2% 0.1%
Firefighters First Federal Credit Union $505,000 n/a 0.1%
GUILD MORTGAGE COMPANY $1,335,000 $500,000 -62.5% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,225,000 $500,000 -59.2% 0.1%
PLAZA HOME MORTGAGE, INC. $805,000 $495,000 -38.5% 0.1%
TOP FLITE FINANCIAL, INC. $490,000 n/a 0.1%
BAY EQUITY LLC $465,000 n/a 0.1%
LOANPAL, LLC $465,000 $465,000 0.0% 0.1%
ASSEMBLIES OF GOD Credit Union $450,000 n/a 0.1%
First State Bank of St. Charles, Missouri $2,125,000 $445,000 -79.1% 0.1%
EMBRACE HOME LOANS, INC. $280,000 $440,000 57.1% 0.1%
PHH Mortgage Corporation $250,000 $415,000 66.0% 0.1%
VILLAGE CAPITAL MORTGAGE $1,480,000 $405,000 -72.6% 0.1%
LIMA ONE CAPITAL, LLC $115,000 $395,000 243.5% 0.1%
USAA Federal Savings Bank $1,490,000 $395,000 -73.5% 0.1%
Baxter Credit Union $375,000 n/a 0.1%
Frontier Bank $360,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $445,000 $360,000 -19.1% 0.1%
Sierra Pacific Mortgage Company, Inc. $305,000 $350,000 14.8% 0.1%
JAMES B. NUTTER & COMPANY $345,000 n/a 0.1%
IOWA BANKERS MORTGAGE CORPORATION $335,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $155,000 $335,000 116.1% 0.1%
AmRes Corporation $325,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $2,840,000 $325,000 -88.6% 0.1%
ROYAL UNITED MORTGAGE LLC $950,000 $325,000 -65.8% 0.1%
Neighborhood Loans, Inc. $310,000 n/a 0.1%
ACADEMY MORTGAGE CORPORATION $780,000 $300,000 -61.5% 0.1%
First Federal Bank $740,000 $285,000 -61.5% 0.1%
Great Southern Bank $185,000 $280,000 51.4% 0.1%
Arbor Bank $375,000 $275,000 -26.7% 0.1%
GENEVA FINANCIAL, LLC $350,000 $270,000 -22.9% 0.1%
KeyBank $2,405,000 $265,000 -89.0% 0.1%
Discover Bank $155,000 $255,000 64.5% 0.1%
First National Bank of America $255,000 n/a 0.1%
GUIDANCE RESIDENTIAL, LLC $255,000 n/a 0.1%
Plains Commerce Bank $290,000 $250,000 -13.8% 0.1%
Bank of England $615,000 $240,000 -61.0% 0.1%
PLANET HOME LENDING, LLC $1,370,000 $210,000 -84.7% 0.1%
First Financial Bank $295,000 $205,000 -30.5% 0.1%
CITIZENS EQUITY FIRST $65,000 $195,000 200.0% 0.0%
Landmark National Bank $4,935,000 $195,000 -96.0% 0.0%
Waterstone Mortgage Corporation $160,000 $195,000 21.9% 0.0%
AMERICAN ADVISORS GROUP $505,000 $190,000 -62.4% 0.0%
United Fidelity Funding Corp. $515,000 $190,000 -63.1% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $185,000 n/a 0.0%
ENVOY MORTGAGE, LTD $185,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $185,000 n/a 0.0%
Alliant Bank $180,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $400,000 $180,000 -55.0% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $175,000 n/a 0.0%
Beeline Loans, Inc. $175,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $175,000 n/a 0.0%
S1L, Inc. $600,000 $175,000 -70.8% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $730,000 $175,000 -76.0% 0.0%
Bell Bank $165,000 n/a 0.0%
Mid-Continent Funding, Inc. $155,000 $165,000 6.5% 0.0%
MORTGAGE SOLUTIONS LLC $590,000 $165,000 -72.0% 0.0%
Nations Lending Corporation $1,275,000 $165,000 -87.1% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $185,000 $165,000 -10.8% 0.0%
Citibank $150,000 $155,000 3.3% 0.0%
Equity Prime Mortgage LLC $155,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $765,000 $155,000 -79.7% 0.0%
Paramount Bank $610,000 $155,000 -74.6% 0.0%
WINGS FINANCIAL $155,000 n/a 0.0%
Simmons Bank $115,000 $135,000 17.4% 0.0%
United Community Bank $855,000 $135,000 -84.2% 0.0%
Low VA Rates, LLC $365,000 $125,000 -65.8% 0.0%
Paramount Residential Mortgage Group, Inc. $65,000 $125,000 92.3% 0.0%
Colonial Savings, F.A. $270,000 $115,000 -57.4% 0.0%
FIRST MISSOURI BANK $115,000 n/a 0.0%
GNBank $285,000 $115,000 -59.6% 0.0%
Members Mortgage Services, L.L.C. $85,000 $115,000 35.3% 0.0%
Midwest Heritage Bank FSB $490,000 $115,000 -76.5% 0.0%
First Western Federal Savings Bank $110,000 n/a 0.0%
Amerifirst Financial, Inc. $105,000 n/a 0.0%
Citadel Servicing Corporation $105,000 n/a 0.0%
FCS Financial FLCA $2,090,000 $105,000 -95.0% 0.0%
First State Bank $105,000 n/a 0.0%
MISSOURI ELECTRIC COOPERATIVES EMPL $155,000 $105,000 -32.3% 0.0%
Regions Bank $265,000 $105,000 -60.4% 0.0%
AMERICAN HERITAGE LENDING, INC. $95,000 n/a 0.0%
Figure Lending LLC $150,000 $95,000 -36.7% 0.0%
HALLMARK HOME MORTGAGE, LLC $95,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $190,000 $95,000 -50.0% 0.0%
BancorpSouth Bank $85,000 n/a 0.0%
Intrust Bank $85,000 n/a 0.0%
NORTHERN MORTGAGE SERVICES, LLC $165,000 $85,000 -48.5% 0.0%
PNC Bank $65,000 $85,000 30.8% 0.0%
Community National Bank $80,000 n/a 0.0%
Bank of the West $35,000 $75,000 114.3% 0.0%
Evolve Bank & Trust $1,685,000 $75,000 -95.5% 0.0%
Hawthorn Bank $550,000 $75,000 -86.4% 0.0%
Oakstar Bank $75,000 n/a 0.0%
R-G Federal Credit Union $75,000 n/a 0.0%
HEARTLAND CREDIT UNION $125,000 $70,000 -44.0% 0.0%
Armed Forces Bank $95,000 $65,000 -31.6% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $65,000 n/a 0.0%
Capitol Federal Savings Bank $55,000 n/a 0.0%
Boeing Employees Credit Union $45,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $230,000 $45,000 -80.4% 0.0%
QUORUM FEDERAL CREDIT UNION $45,000 n/a 0.0%
American Airlines Federal Credit Union $35,000 n/a 0.0%
Citizens Bank $95,000 $35,000 -63.2% 0.0%
River Region Credit Union $15,000 n/a 0.0%

ST. JOSEPH's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 9.7% market share. In second place, with 6.4%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $26,020,000 in loans. In third place, with 6.3%, is U.S. Bank, having originated $25,530,000 in loans. In fourth place, with 6.1%, is QUICKEN LOANS, LLC, having originated $24,880,000 in loans. In fifth place, with 4.1%, is HNB National Bank, having originated $16,835,000 in loans.


ST. JOSEPH Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - ST. JOSEPH (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 $128,700 (20.0%) $186,327 (12.7%) 0.00 412
2018-02-01 $125,000 (19.1%) $187,357 (17.0%) 0.00 402
2018-03-01 $130,000 (30.9%) $187,038 (18.9%) 0.00 387
2018-04-01 $127,400 (15.9%) $184,930 (8.1%) 0.00 389
2018-05-01 $127,950 (22.4%) $179,649 (5.5%) 0.00 416
2018-06-01 $126,900 (10.4%) $178,166 (3.7%) 0.00 448
2018-07-01 $129,900 (5.3%) $174,544 (0.2%) 0.00 422
2018-08-01 $133,375 (5.9%) $174,515 (-4.7%) 0.00 435
2018-09-01 $134,900 (6.9%) $176,393 (-4.4%) 0.00 446
2018-10-01 $132,075 (2.4%) $167,439 (-10.9%) 0.00 460
2018-11-01 $131,438 (3.5%) $172,538 (-6.5%) 0.00 456
2018-12-01 $123,500 (-4.2%) $166,406 (-9.8%) 0.00 440
2019-01-01 $119,900 (-6.8%) $164,844 (-11.5%) 0.00 418
2019-02-01 $119,450 (-4.4%) $162,893 (-13.1%) 0.00 378
2019-03-01 $113,493 (-12.7%) $162,827 (-12.9%) 0.00 355
2019-04-01 $107,293 (-15.8%) $164,149 (-11.2%) 0.00 335
2019-05-01 $112,425 (-12.1%) $171,839 (-4.4%) 0.00 327
2019-06-01 $124,900 (-1.6%) $174,511 (-2.1%) 0.00 370
2019-07-01 $130,500 (0.5%) $175,934 (0.8%) 0.00 386
2019-08-01 $133,427 (0.0%) $177,314 (1.6%) 0.00 389
2019-09-01 $137,068 (1.6%) $180,823 (2.5%) 0.00 387
2019-10-01 $140,175 (6.1%) $184,469 (10.2%) 0.00 383
2019-11-01 $128,700 (-2.1%) $176,864 (2.5%) 0.00 371
2019-12-01 $124,950 (1.2%) $174,037 (4.6%) 0.00 354
2020-01-01 $115,000 (-4.1%) $168,507 (2.2%) 0.00 321
2020-02-01 $112,250 (-6.0%) $167,874 (3.1%) 0.00 288
2020-03-01 $129,450 (14.1%) $190,110 (16.8%) 0.00 268
2020-04-01 $130,425 (21.6%) $189,738 (15.6%) 0.00 244
2020-05-01 $152,425 (35.6%) $207,968 (21.0%) 0.00 236
2020-06-01 $164,900 (32.0%) $209,038 (19.8%) 0.00 209
2020-07-01 $154,475 (18.4%) $213,874 (21.6%) 0.00 194
2020-08-01 $139,900 (4.9%) $219,470 (23.8%) 0.00 189
2020-09-01 $129,450 (-5.6%) $208,812 (15.5%) 0.00 204
2020-10-01 $127,000 (-9.4%) $196,119 (6.3%) 0.00 203
2020-11-01 $122,400 (-4.9%) $184,874 (4.5%) 0.00 203
2020-12-01 $122,397 (-2.0%) $178,356 (2.5%) 0.00 204
2021-01-01 $116,250 (1.1%) $179,080 (6.3%) 0.00 171
2021-02-01 $125,000 (11.4%) $182,154 (8.5%) 0.00 147
2021-03-01 $124,225 (-4.0%) $186,338 (-2.0%) 0.00 134
2021-04-01 $119,900 (-8.1%) $193,137 (1.8%) 0.00 112
2021-05-01 $120,000 (-21.3%) $202,897 (-2.4%) 0.00 129
2021-06-01 $119,900 (-27.3%) $201,926 (-3.4%) 0.00 149
2021-07-01 $126,200 (-18.3%) $206,156 (-3.6%) 0.00 189
2021-08-01 $119,925 (-14.3%) $185,437 (-15.5%) 0.00 195
2021-09-01 $113,500 (-12.3%) $167,543 (-19.8%) 0.00 216
2021-10-01 $109,900 (-13.5%) $162,547 (-17.1%) 0.00 228
2021-11-01 $108,600 (-11.3%) $159,743 (-13.6%) 0.00 213
2021-12-01 $106,375 (-13.1%) $155,455 (-12.8%) 0.00 183
2022-01-01 $127,450 (9.6%) $161,052 (-10.1%) 0.00 158
2022-02-01 $120,900 (-3.3%) $185,115 (1.6%) 0.00 131
2022-03-01 $122,450 (-1.4%) $190,393 (2.2%) 0.00 108
2022-04-01 $150,000 (25.1%) $214,171 (10.9%) 0.00 108
2022-05-01 $187,475 (56.2%) $257,599 (27.0%) 0.00 120
2022-06-01 $172,200 (43.6%) $229,754 (13.8%) 0.00 147
2022-07-01 $170,000 (34.7%) $229,348 (11.3%) 0.00 170
2022-08-01 $165,725 (38.2%) $226,035 (21.9%) 0.00 189
2022-09-01 $165,825 (46.1%) $206,917 (23.5%) 0.00 176
2022-10-01 $160,950 (46.5%) $194,137 (19.4%) 0.00 183
2022-11-01 $163,225 (50.3%) $194,457 (21.7%) 0.00 200
2022-12-01 $161,950 (52.2%) $198,021 (27.4%) 0.00 176
2023-01-01 $154,975 (21.6%) $194,384 (20.7%) 0.00 147
2023-02-01 $144,900 (19.9%) $204,724 (10.6%) 0.00 125
2023-03-01 $149,925 (22.4%) $203,725 (7.0%) 0.00 110
2023-04-01 $169,950 (13.3%) $217,416 (1.5%) 0.00 114
2023-05-01 $193,100 (3.0%) $243,478 (-5.5%) 0.00 122
2023-06-01 $200,975 (16.7%) $253,327 (10.3%) 0.00 143
2023-07-01 $189,900 (11.7%) $254,147 (10.8%) 0.00 157
2023-08-01 $181,100 (9.3%) $253,359 (12.1%) 0.00 157
2023-09-01 $177,500 (7.0%) $232,498 (12.4%) 0.00 181
2023-10-01 $181,200 (12.6%) $244,218 (25.8%) 0.00 182
2023-11-01 $177,450 (8.7%) $245,673 (26.3%) 0.00 189
ST. JOSEPH's median listing price for 2023-11-01 was $177,450, a difference of $14,225 (8.7%) versus the prior year and $-3,750 versus the prior month.

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

ST. JOSEPH's average listing price for 2023-11-01 was $245,673, a difference of $51,216 (26.3%) versus the prior year and $1,455 versus the prior month.

For the 2023-11-01 period, ST. JOSEPH had 189 MLS listings, a difference of 7 listings (4%) versus the prior month and -11 listings (-6%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - ST. JOSEPH (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,645 sqft
2018-02-01 0 days 1,600 sqft
2018-03-01 0 days 1,660 sqft
2018-04-01 0 days 1,625 sqft
2018-05-01 0 days 1,647 sqft
2018-06-01 0 days 1,604 sqft
2018-07-01 0 days 1,590 sqft
2018-08-01 0 days 1,630 sqft
2018-09-01 0 days 1,650 sqft
2018-10-01 0 days 1,600 sqft
2018-11-01 0 days 1,608 sqft
2018-12-01 0 days 1,600 sqft
2019-01-01 0 days 1,600 sqft
2019-02-01 0 days 1,599 sqft
2019-03-01 0 days 1,586 sqft
2019-04-01 0 days 1,564 sqft
2019-05-01 0 days 1,600 sqft
2019-06-01 0 days 1,600 sqft
2019-07-01 0 days 1,618 sqft
2019-08-01 0 days 1,660 sqft
2019-09-01 0 days 1,713 sqft
2019-10-01 0 days 1,736 sqft
2019-11-01 0 days 1,671 sqft
2019-12-01 0 days 1,604 sqft
2020-01-01 0 days 1,589 sqft
2020-02-01 0 days 1,524 sqft
2020-03-01 0 days 1,709 sqft
2020-04-01 0 days 1,681 sqft
2020-05-01 0 days 1,747 sqft
2020-06-01 0 days 1,730 sqft
2020-07-01 0 days 1,685 sqft
2020-08-01 0 days 1,668 sqft
2020-09-01 0 days 1,577 sqft
2020-10-01 0 days 1,584 sqft
2020-11-01 0 days 1,524 sqft
2020-12-01 0 days 1,483 sqft
2021-01-01 0 days 1,556 sqft
2021-02-01 0 days 1,568 sqft
2021-03-01 0 days 1,525 sqft
2021-04-01 0 days 1,512 sqft
2021-05-01 0 days 1,577 sqft
2021-06-01 0 days 1,503 sqft
2021-07-01 0 days 1,500 sqft
2021-08-01 0 days 1,523 sqft
2021-09-01 0 days 1,481 sqft
2021-10-01 0 days 1,446 sqft
2021-11-01 0 days 1,351 sqft
2021-12-01 0 days 1,356 sqft
2022-01-01 0 days 1,316 sqft
2022-02-01 0 days 1,346 sqft
2022-03-01 0 days 1,389 sqft
2022-04-01 0 days 1,567 sqft
2022-05-01 0 days 1,731 sqft
2022-06-01 0 days 1,594 sqft
2022-07-01 0 days 1,588 sqft
2022-08-01 0 days 1,544 sqft
2022-09-01 0 days 1,564 sqft
2022-10-01 0 days 1,480 sqft
2022-11-01 0 days 1,461 sqft
2022-12-01 0 days 1,524 sqft
2023-01-01 0 days 1,470 sqft
2023-02-01 0 days 1,366 sqft
2023-03-01 0 days 1,453 sqft
2023-04-01 0 days 1,594 sqft
2023-05-01 0 days 1,617 sqft
2023-06-01 0 days 1,656 sqft
2023-07-01 0 days 1,640 sqft
2023-08-01 0 days 1,685 sqft
2023-09-01 0 days 1,594 sqft
2023-10-01 0 days 1,574 sqft
2023-11-01 0 days 1,689 sqft
ST. JOSEPH's median listing age (time on market) for 2023-11-01 was 0 days.

ST. JOSEPH's median square footage for active listings during the 2023-11-01 period was 1,689 sqft. One year prior, the average listing was 1,461 sqft.

ST. JOSEPH, MO-KS Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
64401 St. Joseph, MO-KS $540 $620 $820 $1,080 $1,170
64421 St. Joseph, MO-KS $620 $710 $940 $1,240 $1,340
64422 St. Joseph, MO-KS $520 $600 $780 $1,030 $1,110
64423 St. Joseph, MO-KS $560 $640 $840 $1,110 $1,190
64427 St. Joseph, MO-KS $490 $560 $740 $990 $1,060
64429 St. Joseph, MO-KS $660 $780 $920 $1,230 $1,400
64430 St. Joseph, MO-KS $490 $560 $740 $990 $1,060
64436 St. Joseph, MO-KS $690 $750 $990 $1,320 $1,410
64439 St. Joseph, MO-KS $660 $780 $920 $1,230 $1,400
64440 St. Joseph, MO-KS $660 $780 $920 $1,230 $1,400
64443 St. Joseph, MO-KS $550 $630 $820 $1,080 $1,160
64444 St. Joseph, MO-KS $660 $780 $920 $1,230 $1,400
64448 St. Joseph, MO-KS $510 $590 $770 $1,020 $1,090
64449 St. Joseph, MO-KS $490 $560 $740 $990 $1,060
64454 St. Joseph, MO-KS $660 $780 $920 $1,230 $1,400
64455 St. Joseph, MO-KS $560 $640 $840 $1,110 $1,190
64457 St. Joseph, MO-KS $500 $580 $760 $1,010 $1,080
64459 St. Joseph, MO-KS $550 $630 $820 $1,100 $1,180
64463 St. Joseph, MO-KS $540 $620 $820 $1,080 $1,170
64469 St. Joseph, MO-KS $520 $600 $790 $1,040 $1,120
64474 St. Joseph, MO-KS $660 $780 $920 $1,230 $1,400
64480 St. Joseph, MO-KS $490 $560 $740 $990 $1,060
64483 St. Joseph, MO-KS $560 $650 $850 $1,120 $1,210
64484 St. Joseph, MO-KS $660 $780 $920 $1,230 $1,400
64485 St. Joseph, MO-KS $520 $600 $790 $1,040 $1,120
64490 St. Joseph, MO-KS $660 $780 $920 $1,230 $1,400
64494 St. Joseph, MO-KS $520 $600 $790 $1,040 $1,120
64497 St. Joseph, MO-KS $490 $560 $740 $990 $1,060
64501 St. Joseph, MO-KS $500 $570 $750 $990 $1,070
64502 St. Joseph, MO-KS $550 $630 $830 $1,100 $1,180
64503 St. Joseph, MO-KS $590 $680 $890 $1,180 $1,260
64504 St. Joseph, MO-KS $570 $650 $860 $1,140 $1,220
64505 St. Joseph, MO-KS $560 $650 $850 $1,120 $1,210
64506 St. Joseph, MO-KS $560 $650 $850 $1,120 $1,210
64507 St. Joseph, MO-KS $560 $640 $840 $1,110 $1,190
64508 St. Joseph, MO-KS $550 $630 $830 $1,100 $1,180
64670 St. Joseph, MO-KS $490 $560 $740 $990 $1,060
66002 St. Joseph, MO-KS $660 $780 $920 $1,230 $1,400
66008 St. Joseph, MO-KS $510 $570 $740 $990 $1,070
66017 St. Joseph, MO-KS $530 $610 $800 $1,050 $1,140
66024 St. Joseph, MO-KS $490 $560 $740 $990 $1,060
66035 St. Joseph, MO-KS $490 $560 $740 $990 $1,060
66041 St. Joseph, MO-KS $500 $570 $750 $990 $1,070
66087 St. Joseph, MO-KS $490 $560 $740 $990 $1,060
66090 St. Joseph, MO-KS $580 $660 $870 $1,150 $1,240
66094 St. Joseph, MO-KS $490 $560 $740 $990 $1,060
66532 St. Joseph, MO-KS $690 $790 $1,040 $1,370 $1,480

2022 Average & Median Rent Data Statistics
ST. JOSEPH, MO-KS average 1BR rent: $646, median: $630
ST. JOSEPH, MO-KS average 2BR rent: $830, median: $820
ST. JOSEPH, MO-KS average 3BR rent: $1,102, median: $1,100

ST. JOSEPH, MO-KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,531 $270,655,000 $176,783
Cash Out Refi 437 $71,675,000 $164,016
Refi 349 $49,445,000 $141,676
Home Improvement 129 $9,615,000 $74,535
Other 88 $6,270,000 $71,250

St. Joseph's most frequently cited loan purpose was Home Purchase, with 1,531 originations. The 2nd most popular reason was Cash Out Refi, with 437 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 703 $117,775,000 $167,532
4-5% 477 $86,205,000 $180,723
3-4% 418 $68,180,000 $163,110
6-7% 295 $45,795,000 $155,237
2.5-3% 104 $14,560,000 $140,000
7-8% 88 $10,980,000 $124,773
<2.5% 49 $5,425,000 $110,714
Over 8% 39 $2,615,000 $67,051

During 2022, St. Joseph's most frequently originated rate bucket was 5-6%, with 703 originations.

Loan Sizing (ST. JOSEPH, MO-KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,018 $147,730,000 $145,118
$100,000 or less 875 $53,845,000 $61,537
$200k-400k 558 $151,050,000 $270,699
$400k-600k 53 $25,255,000 $476,509
$600k-1000k 23 $15,695,000 $682,391
$Over $1MM 7 $14,085,000 $2,012,143

ST. JOSEPH's loan sizing saw the bucket of loans from $100k-200k with 1,018 originations, totaling $147,730,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,122 $200,770,000 $178,939
60-80% 564 $98,570,000 $174,770
40-60% 174 $25,150,000 $144,540
20-40% 163 $13,855,000 $85,000
Under 20% 133 $4,095,000 $30,789
Over 100% 26 $7,870,000 $302,692

ST. JOSEPH's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,122 originations, totaling $200,770,000 in origination value.