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
7.14%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.79% and
one month ago for the week of 2025-04-17, the
average rate was 7.01%.
St. Joseph's average rate one year ago was 7.2%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.32%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| St. Joseph 30 Year Fixed Rate | 2025-05-22 | 7.14% |
| St. Joseph 30 Year Fixed Rate Refi | 2025-05-22 | 7.32% |
| St. Joseph 15 Year Fixed Rate | 2025-05-22 | 6.01% |
| St. Joseph 15 Year Fixed Rate Refi | 2025-05-22 | 6.01% |
| St. Joseph 30 Year FHA | 2025-05-22 | 6.77% |
| St. Joseph 30 Year FHA Refi | 2025-05-22 | 6.71% |
| St. Joseph 30 Year USDA | 2025-05-22 | 6.33% |
| St. Joseph 30 Year USDA Refi | 2025-05-22 | 6.33% |
| St. Joseph 30 Year VA | 2025-05-22 | 6.74% |
| St. Joseph 30 Year VA Refi | 2025-05-22 | 6.72% |
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.).
ST. JOSEPH Average Closing Costs & Other Stats
ST. JOSEPH, MO-KS's 89 lenders originated 2,426
loans during 2024. The total origination value was $418,910,000, with an average loan value of
$172,675.
ST. JOSEPH's average closing costs are $3,978.
The top ST. JOSEPH lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
130 loans originated. Their average total fees are
$3,685, which is $138
lower than the next largest lender,
PRIMELENDING, A PLAINSCAPITAL COMPANY.
The lowest fee ST. JOSEPH lenders (with over 10 loans originated) are
HNB National Bank ($1,728), United Community Bank ($2,330), Commerce Bank ($2,571), Flagstar Bank, FSB ($2,842) and U.S. Bank ($2,972).
The lowest rate ST. JOSEPH lenders (with over 10 loans originated) are
COMMUNITYAMERICA (6.56%), U.S. Bank (6.71%), Flagstar Bank, FSB (6.72%), United Community Bank (6.73%) and QUICKEN LOANS, LLC (6.75%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $48,975,000 | $43,245,000 | -11.7% | 10.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,470,000 | $33,175,000 | 344.1% | 7.9% |
| QUICKEN LOANS, LLC | $17,705,000 | $29,865,000 | 68.7% | 7.1% |
| The Nodaway Valley Bank | $17,325,000 | $26,465,000 | 52.8% | 6.3% |
| U.S. Bank | $13,850,000 | $18,070,000 | 30.5% | 4.3% |
| HNB National Bank | $15,620,000 | $16,650,000 | 6.6% | 4.0% |
| Mortgage Research Center, LLC | $5,875,000 | $12,220,000 | 108.0% | 2.9% |
| Commerce Bank | $12,635,000 | $10,495,000 | -16.9% | 2.5% |
| COMMUNITYAMERICA | $2,835,000 | $9,725,000 | 243.0% | 2.3% |
| COLLIERS MORTGAGE LLC | $9,555,000 | n/a | 2.3% | |
| UNITED WHOLESALE MORTGAGE, LLC | $5,575,000 | $7,850,000 | 40.8% | 1.9% |
| FLAT BRANCH MORTGAGE, INC. | $5,780,000 | $6,805,000 | 17.7% | 1.6% |
| Flanagan State Bank | $7,150,000 | $6,490,000 | -9.2% | 1.5% |
| Farmers State Bank | $2,945,000 | $5,900,000 | 100.3% | 1.4% |
| Flagstar Bank, FSB | $3,080,000 | $5,830,000 | 89.3% | 1.4% |
| Mutual Savings Association | $2,335,000 | $5,400,000 | 131.3% | 1.3% |
| FREEDOM MORTGAGE CORPORATION | $2,270,000 | $5,200,000 | 129.1% | 1.2% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $4,035,000 | $5,165,000 | 28.0% | 1.2% |
| ENDEAVOR CAPITAL, LLC. | $5,425,000 | $5,015,000 | -7.6% | 1.2% |
| Regions Bank | $350,000 | $4,965,000 | 1,318.6% | 1.2% |
| Mid-Missouri Bank | $4,405,000 | n/a | 1.1% | |
| COMMUNITY MORTGAGE, LLC | $3,430,000 | $4,220,000 | 23.0% | 1.0% |
| Independent Farmers Bank | $2,400,000 | $3,995,000 | 66.5% | 1.0% |
| Farmers State Bank | $2,945,000 | $3,925,000 | 33.3% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $2,185,000 | $3,785,000 | 73.2% | 0.9% |
| BTC BANK | $1,135,000 | $3,695,000 | 225.6% | 0.9% |
| LEADERONE FINANCIAL CORPORATION | $3,370,000 | $3,625,000 | 7.6% | 0.9% |
| NBKC BANK | $2,000,000 | $3,540,000 | 77.0% | 0.8% |
| Exchange Bank & Trust | $4,855,000 | $3,490,000 | -28.1% | 0.8% |
| Wells Bank | $1,810,000 | $3,370,000 | 86.2% | 0.8% |
| LOANDEPOT.COM, LLC | $2,015,000 | $3,195,000 | 58.6% | 0.8% |
| The Central Trust Bank | $820,000 | $2,785,000 | 239.6% | 0.7% |
| The Union State Bank of Everest | $2,625,000 | $2,785,000 | 6.1% | 0.7% |
| UMB Bank | $2,325,000 | $2,545,000 | 9.5% | 0.6% |
| HALLMARK HOME MORTGAGE, LLC | $1,310,000 | $2,370,000 | 80.9% | 0.6% |
| United Community Bank | $2,240,000 | n/a | 0.5% | |
| MID AMERICA MORTGAGE, INC. | $695,000 | $2,210,000 | 218.0% | 0.5% |
| Bank Northwest | $530,000 | $2,180,000 | 311.3% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,115,000 | $2,160,000 | -30.7% | 0.5% |
| Waterstone Mortgage Corporation | $540,000 | $2,115,000 | 291.7% | 0.5% |
| BMO Harris Bank | $975,000 | $2,100,000 | 115.4% | 0.5% |
| Prosperity Home Mortgage, LLC | $725,000 | $2,055,000 | 183.4% | 0.5% |
| GUILD MORTGAGE COMPANY | $2,360,000 | $2,030,000 | -14.0% | 0.5% |
| BENDENA STATE BANK | $2,625,000 | $2,020,000 | -23.0% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,730,000 | $1,960,000 | 13.3% | 0.5% |
| Arvest Bank | $4,235,000 | $1,955,000 | -53.8% | 0.5% |
| NBH Bank | $2,650,000 | $1,870,000 | -29.4% | 0.4% |
| ZILLOW HOME LOANS, LLC | $1,840,000 | n/a | 0.4% | |
| LAKEVIEW LOAN SERVICING, LLC | $330,000 | $1,775,000 | 437.9% | 0.4% |
| USAA Federal Savings Bank | $740,000 | $1,695,000 | 129.1% | 0.4% |
| Equity Bank | $2,625,000 | $1,665,000 | -36.6% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,095,000 | $1,620,000 | 47.9% | 0.4% |
| JPMorgan Chase Bank | $800,000 | $1,605,000 | 100.6% | 0.4% |
| BROKER SOLUTIONS, INC. | $1,450,000 | $1,430,000 | -1.4% | 0.3% |
| Equity Prime Mortgage LLC | $150,000 | $1,400,000 | 833.3% | 0.3% |
| OPEN MORTGAGE, LLC | $2,375,000 | $1,385,000 | -41.7% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $165,000 | $1,360,000 | 724.2% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $1,355,000 | n/a | 0.3% | |
| Armed Forces Bank | $165,000 | $1,300,000 | 687.9% | 0.3% |
| DOMINION FINANCIAL SERVICES, LLC | $3,080,000 | $1,275,000 | -58.6% | 0.3% |
| COREVEST AMERICAN FINANCE LENDER LLC | $1,265,000 | n/a | 0.3% | |
| Wells Fargo Bank | $1,515,000 | $1,260,000 | -16.8% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $1,935,000 | $1,230,000 | -36.4% | 0.3% |
| Southern Bank | $780,000 | $1,225,000 | 57.1% | 0.3% |
| First Bank | $1,085,000 | $1,175,000 | 8.3% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $1,780,000 | $1,085,000 | -39.0% | 0.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,080,000 | n/a | 0.3% | |
| Stride Bank | $1,080,000 | n/a | 0.3% | |
| 21ST MORTGAGE CORPORATION | $2,070,000 | $1,050,000 | -49.3% | 0.3% |
| CoreFirst Bank & Trust | $1,025,000 | n/a | 0.2% | |
| North American Savings Bank, F.S.B. | $1,075,000 | $990,000 | -7.9% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $340,000 | $975,000 | 186.8% | 0.2% |
| AMERITRUST MORTGAGE CORPORATION | $125,000 | $960,000 | 668.0% | 0.2% |
| PLANET HOME LENDING, LLC | $25,000 | $910,000 | 3,540.0% | 0.2% |
| Discover Bank | $295,000 | $880,000 | 198.3% | 0.2% |
| FCS Financial FLCA | $750,000 | $865,000 | 15.3% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $850,000 | $840,000 | -1.2% | 0.2% |
| Carrington Mortgage Services, LLC | $620,000 | $835,000 | 34.7% | 0.2% |
| Pinnacle Bank | $105,000 | $825,000 | 685.7% | 0.2% |
| First Federal Bank | $355,000 | $820,000 | 131.0% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $135,000 | $810,000 | 500.0% | 0.2% |
| Gateway First Bank | $780,000 | n/a | 0.2% | |
| First Federal Bank of Kansas City | $170,000 | $760,000 | 347.1% | 0.2% |
| First State Bank of St. Charles, Missouri | $1,290,000 | $760,000 | -41.1% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $1,455,000 | $755,000 | -48.1% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $595,000 | $750,000 | 26.1% | 0.2% |
| NEWREZ LLC | $460,000 | $750,000 | 63.0% | 0.2% |
| BAYSHORE MORTGAGE FUNDING, LLC | $265,000 | $670,000 | 152.8% | 0.2% |
| AMERICAN FINANCING CORPORATION | $175,000 | $660,000 | 277.1% | 0.2% |
| FRONTIER COMMUNITY CREDIT UNION | $245,000 | $645,000 | 163.3% | 0.2% |
| LIMA ONE CAPITAL, LLC | $345,000 | $645,000 | 87.0% | 0.2% |
| Mortgage Investment Services Corporation | $950,000 | $615,000 | -35.3% | 0.1% |
| Figure Lending LLC | $455,000 | $595,000 | 30.8% | 0.1% |
| NEW DAY FINANCIAL, LLC | $875,000 | $595,000 | -32.0% | 0.1% |
| DELMAR FINANCIAL COMPANY | $310,000 | $590,000 | 90.3% | 0.1% |
| NFM, INC. | $365,000 | $585,000 | 60.3% | 0.1% |
| Northpointe Bank | $145,000 | $570,000 | 293.1% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $600,000 | $560,000 | -6.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $960,000 | $545,000 | -43.2% | 0.1% |
| KS StateBank | $1,490,000 | $510,000 | -65.8% | 0.1% |
| EVERETT FINANCIAL, INC. | $215,000 | $490,000 | 127.9% | 0.1% |
| LOANPAL, LLC | $125,000 | $460,000 | 268.0% | 0.1% |
| The Bank of Missouri | $455,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $445,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $190,000 | $445,000 | 134.2% | 0.1% |
| MEGASTAR FINANCIAL CORP. | $85,000 | $430,000 | 405.9% | 0.1% |
| Plains Commerce Bank | $315,000 | $425,000 | 34.9% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $220,000 | $420,000 | 90.9% | 0.1% |
| LENDINGONE, LLC | $85,000 | $410,000 | 382.4% | 0.1% |
| AmeriHome Mortgage Company, LLC | $135,000 | $400,000 | 196.3% | 0.1% |
| Integrity Home Mortgage Corp | $385,000 | n/a | 0.1% | |
| Bank of America | $570,000 | $345,000 | -39.5% | 0.1% |
| PHH Mortgage Corporation | $215,000 | $340,000 | 58.1% | 0.1% |
| PATRIOTS BANK | $335,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $335,000 | $330,000 | -1.5% | 0.1% |
| RF Renovo Management Company, LLC | $320,000 | n/a | 0.1% | |
| Community Mortgage Banc Corporation | $510,000 | $310,000 | -39.2% | 0.1% |
| Sunflower Bank | $305,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $225,000 | $295,000 | 31.1% | 0.1% |
| Secured Investment Corp. | $230,000 | $290,000 | 26.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $175,000 | $285,000 | 62.9% | 0.1% |
| First National Bank and Trust Company | $285,000 | n/a | 0.1% | |
| Peoples Bank | $400,000 | $280,000 | -30.0% | 0.1% |
| Azura Credit Union | $275,000 | n/a | 0.1% | |
| Capitol Federal Savings Bank | $265,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $265,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $255,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $255,000 | n/a | 0.1% | |
| PANORAMA MORTGAGE GROUP, LLC | $145,000 | $250,000 | 72.4% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $445,000 | $245,000 | -44.9% | 0.1% |
| US MORTGAGE CORPORATION | $245,000 | n/a | 0.1% | |
| BOKF | $390,000 | $240,000 | -38.5% | 0.1% |
| ASSEMBLIES OF GOD Credit Union | $2,135,000 | $235,000 | -89.0% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $230,000 | n/a | 0.1% | |
| Academy Bank | $345,000 | $220,000 | -36.2% | 0.1% |
| Frontier Bank | $15,000 | $220,000 | 1,366.7% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $215,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $190,000 | $215,000 | 13.2% | 0.1% |
| Midwest Mortgage Associates Corporation | $385,000 | $215,000 | -44.2% | 0.1% |
| DAS Acquisition Company, LLC | $1,030,000 | $200,000 | -80.6% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $200,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $195,000 | n/a | 0.0% | |
| GERSHMAN INVESTMENT CORP. | $290,000 | $190,000 | -34.5% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $185,000 | n/a | 0.0% | |
| M&T Bank | $225,000 | $185,000 | -17.8% | 0.0% |
| S1L, Inc. | $465,000 | $185,000 | -60.2% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $175,000 | n/a | 0.0% | |
| FIRST COMMUNITY MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
| VERIDIAN CREDIT UNION | $215,000 | $165,000 | -23.3% | 0.0% |
| TOWNE MORTGAGE COMPANY | $155,000 | n/a | 0.0% | |
| The Citizens Bank of Edmond | $145,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $190,000 | $140,000 | -26.3% | 0.0% |
| GENEVA FINANCIAL, LLC | $235,000 | $140,000 | -40.4% | 0.0% |
| Ally Bank | $135,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $135,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $680,000 | $135,000 | -80.1% | 0.0% |
| American Mortgage Bank, LLC | $115,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $630,000 | $115,000 | -81.7% | 0.0% |
| CONSTRUCTIVE LOANS, LLC | $115,000 | n/a | 0.0% | |
| Mazuma Credit Union | $115,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $105,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $105,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $940,000 | $105,000 | -88.8% | 0.0% |
| The First Security Bank | $105,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $290,000 | $105,000 | -63.8% | 0.0% |
| Pony Express Bank | $95,000 | n/a | 0.0% | |
| Southwest Airlines Federal Credit Union | $95,000 | n/a | 0.0% | |
| Bank of Weston | $365,000 | $85,000 | -76.7% | 0.0% |
| GUARANTEED RATE, INC. | $1,230,000 | $85,000 | -93.1% | 0.0% |
| A&D Mortgage LLC | $75,000 | n/a | 0.0% | |
| First National Bank of Omaha | $75,000 | n/a | 0.0% | |
| Oakstar Bank | $75,000 | n/a | 0.0% | |
| PNC Bank | $195,000 | $75,000 | -61.5% | 0.0% |
| Servion, Inc. | $75,000 | n/a | 0.0% | |
| Community National Bank & Trust | $55,000 | n/a | 0.0% | |
| First National Bank of America | $55,000 | $55,000 | 0.0% | 0.0% |
| GNBank | $600,000 | $55,000 | -90.8% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $75,000 | $55,000 | -26.7% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $35,000 | n/a | 0.0% | |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $25,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $25,000 | n/a | 0.0% | |
| FOUR POINTS | $15,000 | n/a | 0.0% |
ST. JOSEPH's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 10.3% market share. In second place, with 7.9%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $33,175,000 in loans. In third place, with 7.1%, is QUICKEN LOANS, LLC, having originated $29,865,000 in loans. In fourth place, with 6.3%, is The Nodaway Valley Bank, having originated $26,465,000 in loans. In fifth place, with 4.3%, is U.S. Bank, having originated $18,070,000 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 | $127,725 (19.2%) | $185,727 (12.2%) | 0.00 | 411 |
| 2018-02-01 | $124,950 (19.0%) | $186,756 (16.6%) | 0.00 | 401 |
| 2018-03-01 | $130,000 (30.9%) | $186,428 (18.5%) | 0.00 | 386 |
| 2018-04-01 | $126,175 (14.8%) | $184,323 (7.7%) | 0.00 | 388 |
| 2018-05-01 | $127,475 (21.9%) | $179,080 (5.2%) | 0.00 | 415 |
| 2018-06-01 | $126,900 (10.4%) | $177,643 (3.3%) | 0.00 | 447 |
| 2018-07-01 | $129,700 (5.1%) | $174,030 (-0.1%) | 0.00 | 421 |
| 2018-08-01 | $132,988 (5.6%) | $174,041 (-5.0%) | 0.00 | 434 |
| 2018-09-01 | $134,900 (6.9%) | $175,929 (-4.6%) | 0.00 | 445 |
| 2018-10-01 | $131,950 (2.3%) | $166,972 (-10.9%) | 0.00 | 459 |
| 2018-11-01 | $131,425 (3.5%) | $172,072 (-6.5%) | 0.00 | 455 |
| 2018-12-01 | $123,500 (-4.0%) | $166,406 (-9.5%) | 0.00 | 440 |
| 2019-01-01 | $119,900 (-6.1%) | $164,844 (-11.2%) | 0.00 | 418 |
| 2019-02-01 | $119,450 (-4.4%) | $162,893 (-12.8%) | 0.00 | 378 |
| 2019-03-01 | $113,471 (-12.7%) | $162,830 (-12.7%) | 0.00 | 355 |
| 2019-04-01 | $107,271 (-15.0%) | $163,060 (-11.5%) | 0.00 | 333 |
| 2019-05-01 | $111,175 (-12.8%) | $169,685 (-5.3%) | 0.00 | 325 |
| 2019-06-01 | $124,700 (-1.7%) | $172,948 (-2.6%) | 0.00 | 369 |
| 2019-07-01 | $130,225 (0.4%) | $174,047 (0.0%) | 0.00 | 385 |
| 2019-08-01 | $133,027 (0.0%) | $175,919 (1.1%) | 0.00 | 388 |
| 2019-09-01 | $136,893 (1.5%) | $180,009 (2.3%) | 0.00 | 386 |
| 2019-10-01 | $139,900 (6.0%) | $184,107 (10.3%) | 0.00 | 382 |
| 2019-11-01 | $128,700 (-2.1%) | $176,864 (2.8%) | 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 (16.4%) | 0.00 | 244 |
| 2020-05-01 | $152,425 (37.1%) | $207,968 (22.6%) | 0.00 | 236 |
| 2020-06-01 | $164,900 (32.2%) | $209,038 (20.9%) | 0.00 | 209 |
| 2020-07-01 | $154,475 (18.6%) | $213,874 (22.9%) | 0.00 | 194 |
| 2020-08-01 | $139,900 (5.2%) | $219,470 (24.8%) | 0.00 | 189 |
| 2020-09-01 | $129,450 (-5.4%) | $208,812 (16.0%) | 0.00 | 204 |
| 2020-10-01 | $127,000 (-9.2%) | $196,119 (6.5%) | 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 | $115,000 (0.0%) | $178,656 (6.0%) | 0.00 | 170 |
| 2021-02-01 | $125,000 (11.4%) | $181,702 (8.2%) | 0.00 | 146 |
| 2021-03-01 | $123,756 (-4.4%) | $185,828 (-2.3%) | 0.00 | 133 |
| 2021-04-01 | $119,675 (-8.2%) | $192,655 (1.5%) | 0.00 | 111 |
| 2021-05-01 | $120,000 (-21.3%) | $202,479 (-2.6%) | 0.00 | 128 |
| 2021-06-01 | $119,900 (-27.3%) | $201,462 (-3.6%) | 0.00 | 148 |
| 2021-07-01 | $125,000 (-19.1%) | $205,779 (-3.8%) | 0.00 | 188 |
| 2021-08-01 | $119,800 (-14.4%) | $184,993 (-15.7%) | 0.00 | 194 |
| 2021-09-01 | $113,875 (-12.0%) | $167,758 (-19.7%) | 0.00 | 215 |
| 2021-10-01 | $109,900 (-13.5%) | $162,223 (-17.3%) | 0.00 | 226 |
| 2021-11-01 | $107,700 (-12.0%) | $159,179 (-13.9%) | 0.00 | 212 |
| 2021-12-01 | $102,750 (-16.1%) | $154,150 (-13.6%) | 0.00 | 181 |
| 2022-01-01 | $123,450 (7.4%) | $160,255 (-10.3%) | 0.00 | 157 |
| 2022-02-01 | $118,600 (-5.1%) | $184,395 (1.5%) | 0.00 | 130 |
| 2022-03-01 | $122,450 (-1.1%) | $189,631 (2.1%) | 0.00 | 107 |
| 2022-04-01 | $150,000 (25.3%) | $213,387 (10.8%) | 0.00 | 106 |
| 2022-05-01 | $187,400 (56.2%) | $257,210 (27.0%) | 0.00 | 118 |
| 2022-06-01 | $166,150 (38.6%) | $229,067 (13.7%) | 0.00 | 146 |
| 2022-07-01 | $170,000 (36.0%) | $228,897 (11.2%) | 0.00 | 169 |
| 2022-08-01 | $165,250 (37.9%) | $225,605 (22.0%) | 0.00 | 188 |
| 2022-09-01 | $165,400 (45.3%) | $206,369 (23.0%) | 0.00 | 175 |
| 2022-10-01 | $164,900 (50.1%) | $197,209 (21.6%) | 0.00 | 186 |
| 2022-11-01 | $164,900 (53.1%) | $197,339 (24.0%) | 0.00 | 203 |
| 2022-12-01 | $164,450 (60.1%) | $200,608 (30.1%) | 0.00 | 178 |
| 2023-01-01 | $156,500 (26.8%) | $197,589 (23.3%) | 0.00 | 149 |
| 2023-02-01 | $144,925 (22.2%) | $206,889 (12.2%) | 0.00 | 126 |
| 2023-03-01 | $152,725 (24.7%) | $205,780 (8.5%) | 0.00 | 111 |
| 2023-04-01 | $170,000 (13.3%) | $219,506 (2.9%) | 0.00 | 114 |
| 2023-05-01 | $193,100 (3.0%) | $243,755 (-5.2%) | 0.00 | 122 |
| 2023-06-01 | $204,500 (23.1%) | $254,684 (11.2%) | 0.00 | 144 |
| 2023-07-01 | $194,900 (14.7%) | $254,731 (11.3%) | 0.00 | 159 |
| 2023-08-01 | $184,450 (11.6%) | $255,735 (13.4%) | 0.00 | 160 |
| 2023-09-01 | $179,200 (8.3%) | $234,811 (13.8%) | 0.00 | 184 |
| 2023-10-01 | $184,925 (12.1%) | $246,449 (25.0%) | 0.00 | 185 |
| 2023-11-01 | $179,975 (9.1%) | $247,744 (25.5%) | 0.00 | 192 |
| 2023-12-01 | $180,000 (9.5%) | $247,464 (23.4%) | 0.00 | 194 |
| 2024-01-01 | $170,025 (8.6%) | $238,163 (20.5%) | 0.00 | 177 |
| 2024-02-01 | $156,450 (8.0%) | $225,649 (9.1%) | 0.00 | 168 |
| 2024-03-01 | $169,900 (11.3%) | $241,489 (17.4%) | 0.00 | 142 |
| 2024-04-01 | $171,900 (1.1%) | $271,760 (23.8%) | 0.00 | 149 |
| 2024-05-01 | $191,425 (-0.9%) | $282,040 (15.7%) | 0.00 | 157 |
| 2024-06-01 | $197,500 (-3.4%) | $283,523 (11.3%) | 0.00 | 170 |
| 2024-07-01 | $191,450 (-1.8%) | $280,415 (10.1%) | 0.00 | 182 |
| 2024-08-01 | $228,000 (23.6%) | $292,603 (14.4%) | 0.00 | 192 |
| 2024-09-01 | $233,600 (30.4%) | $295,548 (25.9%) | 0.00 | 214 |
| 2024-10-01 | $221,225 (19.6%) | $266,637 (8.2%) | 0.00 | 217 |
| 2024-11-01 | $225,000 (25.0%) | $267,379 (7.9%) | 0.00 | 197 |
| 2024-12-01 | $227,450 (26.4%) | $280,941 (13.5%) | 0.00 | 194 |
| 2025-01-01 | $223,200 (31.3%) | $285,197 (19.8%) | 0.00 | 182 |
| 2025-02-01 | $214,625 (37.2%) | $294,568 (30.5%) | 0.00 | 182 |
| 2025-03-01 | $223,500 (31.6%) | $309,128 (28.0%) | 0.00 | 171 |
| 2025-04-01 | $234,950 (36.7%) | $304,673 (12.1%) | 0.00 | 188 |
ST. JOSEPH's median listing price for 2025-04-01 was $234,950, a difference of
$63,050
(36.7%) versus the prior year and
$11,450 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 2025-04-01 was $304,673, a difference of $32,913 (12.1%) versus the prior year and $-4,455 versus the prior month.
For the 2025-04-01 period, ST. JOSEPH had 188 MLS listings, a difference of 17 listings (10%) versus the prior month and 39 listings (26%) versus the prior year.
ST. JOSEPH's median listing price comes in at 0% of the national average.
ST. JOSEPH's average listing price for 2025-04-01 was $304,673, a difference of $32,913 (12.1%) versus the prior year and $-4,455 versus the prior month.
For the 2025-04-01 period, ST. JOSEPH had 188 MLS listings, a difference of 17 listings (10%) versus the prior month and 39 listings (26%) 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 | 1,595 sqft |
| 2018-02-01 | 0 days | 1,559 sqft |
| 2018-03-01 | 0 days | 1,572 sqft |
| 2018-04-01 | 0 days | 1,564 sqft |
| 2018-05-01 | 0 days | 1,605 sqft |
| 2018-06-01 | 0 days | 1,600 sqft |
| 2018-07-01 | 0 days | 1,595 sqft |
| 2018-08-01 | 0 days | 1,647 sqft |
| 2018-09-01 | 0 days | 1,652 sqft |
| 2018-10-01 | 0 days | 1,599 sqft |
| 2018-11-01 | 0 days | 1,600 sqft |
| 2018-12-01 | 0 days | 1,599 sqft |
| 2019-01-01 | 0 days | 1,600 sqft |
| 2019-02-01 | 0 days | 1,587 sqft |
| 2019-03-01 | 0 days | 1,583 sqft |
| 2019-04-01 | 0 days | 1,559 sqft |
| 2019-05-01 | 0 days | 1,601 sqft |
| 2019-06-01 | 0 days | 1,605 sqft |
| 2019-07-01 | 0 days | 1,631 sqft |
| 2019-08-01 | 0 days | 1,671 sqft |
| 2019-09-01 | 0 days | 1,718 sqft |
| 2019-10-01 | 0 days | 1,737 sqft |
| 2019-11-01 | 0 days | 1,668 sqft |
| 2019-12-01 | 0 days | 1,600 sqft |
| 2020-01-01 | 0 days | 1,583 sqft |
| 2020-02-01 | 0 days | 1,518 sqft |
| 2020-03-01 | 0 days | 1,697 sqft |
| 2020-04-01 | 0 days | 1,672 sqft |
| 2020-05-01 | 0 days | 1,736 sqft |
| 2020-06-01 | 0 days | 1,717 sqft |
| 2020-07-01 | 0 days | 1,668 sqft |
| 2020-08-01 | 0 days | 1,656 sqft |
| 2020-09-01 | 0 days | 1,568 sqft |
| 2020-10-01 | 0 days | 1,576 sqft |
| 2020-11-01 | 0 days | 1,524 sqft |
| 2020-12-01 | 0 days | 1,483 sqft |
| 2021-01-01 | 0 days | 1,555 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 | 1,487 sqft |
| 2021-07-01 | 0 days | 1,496 sqft |
| 2021-08-01 | 0 days | 1,518 sqft |
| 2021-09-01 | 0 days | 1,482 sqft |
| 2021-10-01 | 0 days | 1,440 sqft |
| 2021-11-01 | 0 days | 1,349 sqft |
| 2021-12-01 | 0 days | 1,352 sqft |
| 2022-01-01 | 0 days | 1,316 sqft |
| 2022-02-01 | 0 days | 1,338 sqft |
| 2022-03-01 | 0 days | 1,383 sqft |
| 2022-04-01 | 0 days | 1,553 sqft |
| 2022-05-01 | 0 days | 1,716 sqft |
| 2022-06-01 | 0 days | 1,589 sqft |
| 2022-07-01 | 0 days | 1,576 sqft |
| 2022-08-01 | 0 days | 1,513 sqft |
| 2022-09-01 | 0 days | 1,539 sqft |
| 2022-10-01 | 0 days | 1,483 sqft |
| 2022-11-01 | 0 days | 1,464 sqft |
| 2022-12-01 | 0 days | 1,524 sqft |
| 2023-01-01 | 0 days | 1,473 sqft |
| 2023-02-01 | 0 days | 1,376 sqft |
| 2023-03-01 | 0 days | 1,485 sqft |
| 2023-04-01 | 0 days | 1,594 sqft |
| 2023-05-01 | 0 days | 1,624 sqft |
| 2023-06-01 | 0 days | 1,690 sqft |
| 2023-07-01 | 0 days | 1,652 sqft |
| 2023-08-01 | 0 days | 1,703 sqft |
| 2023-09-01 | 0 days | 1,594 sqft |
| 2023-10-01 | 0 days | 1,585 sqft |
| 2023-11-01 | 0 days | 1,697 sqft |
| 2023-12-01 | 0 days | 1,728 sqft |
| 2024-01-01 | 0 days | 1,602 sqft |
| 2024-02-01 | 0 days | 1,588 sqft |
| 2024-03-01 | 0 days | 1,594 sqft |
| 2024-04-01 | 0 days | 1,576 sqft |
| 2024-05-01 | 0 days | 1,697 sqft |
| 2024-06-01 | 0 days | 1,700 sqft |
| 2024-07-01 | 0 days | 1,722 sqft |
| 2024-08-01 | 0 days | 1,680 sqft |
| 2024-09-01 | 0 days | 1,700 sqft |
| 2024-10-01 | 0 days | 1,659 sqft |
| 2024-11-01 | 0 days | 1,643 sqft |
| 2024-12-01 | 0 days | 1,599 sqft |
| 2025-01-01 | 0 days | 1,669 sqft |
| 2025-02-01 | 0 days | 1,619 sqft |
| 2025-03-01 | 0 days | 1,688 sqft |
| 2025-04-01 | 0 days | 1,573 sqft |
ST. JOSEPH's median listing age (time on market) for 2025-04-01 was 0 days.
ST. JOSEPH's median square footage for active listings during the 2025-04-01 period was 1,573 sqft. One year prior, the average listing was 1,576 sqft.
ST. JOSEPH's median square footage for active listings during the 2025-04-01 period was 1,573 sqft. One year prior, the average listing was 1,576 sqft.
ST. JOSEPH, MO-KS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,495 | $280,965,000 | $187,936 |
| Refi | 331 | $59,275,000 | $179,079 |
| Cash Out Refi | 316 | $48,330,000 | $152,943 |
| Other | 147 | $20,615,000 | $140,238 |
| Home Improvement | 136 | $9,640,000 | $70,882 |
| NA | 1 | $85,000 | $85,000 |
St. Joseph's most frequently cited loan purpose was Home Purchase, with 1,495 originations. The 2nd most popular reason was Refi, with 331 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 848 | $171,570,000 | $202,323 |
| 7-8% | 536 | $89,430,000 | $166,847 |
| Over 8% | 252 | $22,700,000 | $90,079 |
| 5-6% | 231 | $50,285,000 | $217,684 |
| <2.5% | 49 | $275,000 | $5,612 |
| 2.5-3% | 25 | $1,595,000 | $63,800 |
| 4-5% | 17 | $13,295,000 | $782,059 |
| 3-4% | 3 | $435,000 | $145,000 |
During 2024, St. Joseph's most frequently originated rate bucket was 6-7%, with 848 originations.
Loan Sizing (ST. JOSEPH, MO-KS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 910 | $132,340,000 | $145,429 |
| $100,000 or less | 808 | $42,710,000 | $52,859 |
| $200k-400k | 593 | $160,375,000 | $270,447 |
| $400k-600k | 88 | $41,890,000 | $476,023 |
| $600k-1000k | 19 | $13,455,000 | $708,158 |
| $Over $1MM | 8 | $28,140,000 | $3,517,500 |
ST. JOSEPH's loan sizing saw the bucket of loans from $100k-200k with 910 originations, totaling $132,340,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,016 | $202,370,000 | $199,183 |
| 60-80% | 411 | $93,775,000 | $228,163 |
| Under 20% | 245 | $6,365,000 | $25,980 |
| 20-40% | 159 | $12,415,000 | $78,082 |
| 40-60% | 132 | $18,470,000 | $139,924 |
| Over 100% | 25 | $9,115,000 | $364,600 |
ST. JOSEPH's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,016 originations, totaling $202,370,000 in origination value.