ST. JOSEPH Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in St. Joseph averaged
6.48%
for the week of 2024-10-03, compared to the national average of
6.12% for the same period.
The average rate for the prior week (2024-09-26) was
6.04% and
one month ago for the week of 2024-08-29, the
average rate was 6.31%.
St. Joseph's average rate one year ago was 7.37%.
For refis of the same type during the week of 2024-10-03, the average rate
was 6.22%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2024-10-03 | 6.12% |
St. Joseph 30 Year Fixed Rate | 2024-10-03 | 6.48% |
St. Joseph 30 Year Fixed Rate Refi | 2024-10-03 | 6.22% |
St. Joseph 15 Year Fixed Rate | 2024-10-03 | 5.15% |
St. Joseph 15 Year Fixed Rate Refi | 2024-10-03 | 5.35% |
St. Joseph 30 Year FHA | 2024-10-03 | 6.21% |
St. Joseph 30 Year FHA Refi | 2024-10-03 | 5.79% |
St. Joseph 30 Year USDA | 2024-10-03 | 5.97% |
St. Joseph 30 Year USDA Refi | 2024-10-03 | 6.07% |
St. Joseph 30 Year VA | 2024-10-03 | 5.77% |
St. Joseph 30 Year VA Refi | 2024-10-03 | 5.5% |
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 92 lenders originated 2,055
loans during 2023. The total origination value was $342,195,000, with an average loan value of
$166,518.
ST. JOSEPH's average closing costs are $3,801.
The top ST. JOSEPH lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
165 loans originated. Their average total fees are
$3,305, which is $500
higher than the next largest lender,
U.S. Bank.
The lowest fee ST. JOSEPH lenders (with over 10 loans originated) are
HNB National Bank ($1,773), ASSEMBLIES OF GOD Credit Union ($2,098), Flagstar Bank, FSB ($2,149), Commerce Bank ($2,322) and COMMUNITYAMERICA ($2,538).
The lowest rate ST. JOSEPH lenders (with over 10 loans originated) are
Flagstar Bank, FSB (6.53%), Commerce Bank (6.59%), ASSEMBLIES OF GOD Credit Union (6.60%), ENDEAVOR CAPITAL, LLC. (6.69%) and U.S. Bank (6.83%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
---|---|---|---|---|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $39,415,000 | $48,975,000 | 24.3% | 14.3% |
ORIX REAL ESTATE CAPITAL, LLC | $20,935,000 | n/a | 6.1% | |
QUICKEN LOANS, LLC | $24,880,000 | $17,705,000 | -28.8% | 5.2% |
The Nodaway Valley Bank | $14,525,000 | $17,325,000 | 19.3% | 5.1% |
HNB National Bank | $16,835,000 | $15,620,000 | -7.2% | 4.6% |
U.S. Bank | $25,530,000 | $13,850,000 | -45.8% | 4.0% |
Commerce Bank | $13,500,000 | $12,635,000 | -6.4% | 3.7% |
Farmers State Bank | $15,265,000 | $9,745,000 | -36.2% | 2.8% |
GREYSTONE SERVICING COMPANY LLC | $8,535,000 | n/a | 2.5% | |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $26,020,000 | $7,470,000 | -71.3% | 2.2% |
Flanagan State Bank | $7,705,000 | $7,150,000 | -7.2% | 2.1% |
Mortgage Research Center, LLC | $10,470,000 | $5,875,000 | -43.9% | 1.7% |
FLAT BRANCH MORTGAGE, INC. | $12,550,000 | $5,780,000 | -53.9% | 1.7% |
UNITED WHOLESALE MORTGAGE, LLC | $3,425,000 | $5,575,000 | 62.8% | 1.6% |
ENDEAVOR CAPITAL, LLC. | $6,790,000 | $5,425,000 | -20.1% | 1.6% |
Exchange Bank & Trust | $5,190,000 | $4,855,000 | -6.5% | 1.4% |
Arvest Bank | $2,875,000 | $4,235,000 | 47.3% | 1.2% |
AMERICAN PORTFOLIO MORTGAGE CORPORATION | $3,775,000 | $4,035,000 | 6.9% | 1.2% |
American Bank of Missouri | $4,005,000 | n/a | 1.2% | |
COMMUNITY MORTGAGE, LLC | $3,450,000 | $3,430,000 | -0.6% | 1.0% |
LEADERONE FINANCIAL CORPORATION | $6,525,000 | $3,370,000 | -48.4% | 1.0% |
Mr. Cooper ( Nationstar Mortgage ) | $3,520,000 | $3,115,000 | -11.5% | 0.9% |
DOMINION FINANCIAL SERVICES, LLC | $580,000 | $3,080,000 | 431.0% | 0.9% |
Flagstar Bank, FSB | $5,320,000 | $3,080,000 | -42.1% | 0.9% |
Farmers State Bank | $15,265,000 | $2,945,000 | -80.7% | 0.9% |
COMMUNITYAMERICA | $4,220,000 | $2,835,000 | -32.8% | 0.8% |
NBH Bank | $5,500,000 | $2,650,000 | -51.8% | 0.8% |
BENDENA STATE BANK | $2,625,000 | n/a | 0.8% | |
Equity Bank | $1,885,000 | $2,625,000 | 39.3% | 0.8% |
The Union State Bank of Everest | $3,835,000 | $2,625,000 | -31.6% | 0.8% |
Independent Farmers Bank | $2,400,000 | n/a | 0.7% | |
OPEN MORTGAGE, LLC | $2,695,000 | $2,375,000 | -11.9% | 0.7% |
GUILD MORTGAGE COMPANY | $500,000 | $2,360,000 | 372.0% | 0.7% |
Mutual Savings Association | $3,425,000 | $2,335,000 | -31.8% | 0.7% |
UMB Bank | $2,745,000 | $2,325,000 | -15.3% | 0.7% |
FREEDOM MORTGAGE CORPORATION | $2,805,000 | $2,270,000 | -19.1% | 0.7% |
PENNYMAC LOAN SERVICES, LLC | $1,945,000 | $2,185,000 | 12.3% | 0.6% |
ASSEMBLIES OF GOD Credit Union | $450,000 | $2,135,000 | 374.4% | 0.6% |
21ST MORTGAGE CORPORATION | $1,785,000 | $2,070,000 | 16.0% | 0.6% |
LOANDEPOT.COM, LLC | $5,285,000 | $2,015,000 | -61.9% | 0.6% |
NBKC BANK | $1,875,000 | $2,000,000 | 6.7% | 0.6% |
NAVY FEDERAL CREDIT UNION | $2,325,000 | $1,935,000 | -16.8% | 0.6% |
Wells Bank | $2,285,000 | $1,810,000 | -20.8% | 0.5% |
AMERISAVE MORTGAGE CORPORATION | $2,925,000 | $1,780,000 | -39.1% | 0.5% |
CROSSCOUNTRY MORTGAGE, LLC | $2,340,000 | $1,730,000 | -26.1% | 0.5% |
Wells Fargo Bank | $4,000,000 | $1,515,000 | -62.1% | 0.4% |
KS StateBank | $5,590,000 | $1,490,000 | -73.3% | 0.4% |
LENDINGHOME FUNDING CORPORATION | $760,000 | $1,455,000 | 91.4% | 0.4% |
BROKER SOLUTIONS, INC. | $710,000 | $1,450,000 | 104.2% | 0.4% |
HALLMARK HOME MORTGAGE, LLC | $95,000 | $1,310,000 | 1,278.9% | 0.4% |
First State Bank of St. Charles, Missouri | $445,000 | $1,290,000 | 189.9% | 0.4% |
GUARANTEED RATE, INC. | $945,000 | $1,230,000 | 30.2% | 0.4% |
First Option Bank | $3,460,000 | $1,205,000 | -65.2% | 0.4% |
BTC BANK | $2,900,000 | $1,135,000 | -60.9% | 0.3% |
MUTUAL OF OMAHA MORTGAGE, INC. | $500,000 | $1,095,000 | 119.0% | 0.3% |
Old Missouri Bank | $1,095,000 | n/a | 0.3% | |
First Bank | $580,000 | $1,085,000 | 87.1% | 0.3% |
North American Savings Bank, F.S.B. | $2,060,000 | $1,075,000 | -47.8% | 0.3% |
DAS Acquisition Company, LLC | $1,055,000 | $1,030,000 | -2.4% | 0.3% |
BMO Harris Bank | $560,000 | $975,000 | 74.1% | 0.3% |
Barrington Bank & Trust Company, N.A. | $680,000 | $960,000 | 41.2% | 0.3% |
Mortgage Investment Services Corporation | $1,665,000 | $950,000 | -42.9% | 0.3% |
Stifel Bank and Trust | $1,575,000 | $940,000 | -40.3% | 0.3% |
NEW DAY FINANCIAL, LLC | $515,000 | $875,000 | 69.9% | 0.3% |
MORTGAGE SOLUTIONS OF COLORADO, LLC | $2,955,000 | $850,000 | -71.2% | 0.2% |
The Central Trust Bank | $3,430,000 | $820,000 | -76.1% | 0.2% |
The Hamilton Bank | $805,000 | n/a | 0.2% | |
JPMorgan Chase Bank | $2,860,000 | $800,000 | -72.0% | 0.2% |
Southern Bank | $780,000 | n/a | 0.2% | |
FCS Financial FLCA | $105,000 | $750,000 | 614.3% | 0.2% |
USAA Federal Savings Bank | $395,000 | $740,000 | 87.3% | 0.2% |
Prosperity Home Mortgage, LLC | $1,040,000 | $725,000 | -30.3% | 0.2% |
CALIBER HOME LOANS, INC. | $2,085,000 | $700,000 | -66.4% | 0.2% |
MID AMERICA MORTGAGE, INC. | $1,190,000 | $695,000 | -41.6% | 0.2% |
SUMMIT FUNDING, INC. | $2,405,000 | $680,000 | -71.7% | 0.2% |
CARDINAL FINANCIAL | $2,375,000 | $630,000 | -73.5% | 0.2% |
Carrington Mortgage Services, LLC | $1,515,000 | $620,000 | -59.1% | 0.2% |
GNBank | $115,000 | $600,000 | 421.7% | 0.2% |
ROYAL UNITED MORTGAGE LLC | $325,000 | $600,000 | 84.6% | 0.2% |
THRIVE MORTGAGE, LLC | $600,000 | n/a | 0.2% | |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $185,000 | $595,000 | 221.6% | 0.2% |
Bank of America | $1,075,000 | $570,000 | -47.0% | 0.2% |
Waterstone Mortgage Corporation | $195,000 | $540,000 | 176.9% | 0.2% |
Bank Northwest | $530,000 | n/a | 0.2% | |
Community Mortgage Banc Corporation | $3,280,000 | $510,000 | -84.5% | 0.1% |
S1L, Inc. | $175,000 | $465,000 | 165.7% | 0.1% |
NEWREZ LLC | $1,220,000 | $460,000 | -62.3% | 0.1% |
Figure Lending LLC | $95,000 | $455,000 | 378.9% | 0.1% |
American Mortgage & Equity Consultants, Inc. | $445,000 | n/a | 0.1% | |
United Fidelity Funding Corp. | $190,000 | $440,000 | 131.6% | 0.1% |
Peoples Bank | $400,000 | n/a | 0.1% | |
Think Mutual Bank | $395,000 | n/a | 0.1% | |
BOKF | $800,000 | $390,000 | -51.3% | 0.1% |
Midwest Mortgage Associates Corporation | $385,000 | n/a | 0.1% | |
Bank of Weston | $365,000 | n/a | 0.1% | |
NFM, INC. | $365,000 | n/a | 0.1% | |
First Federal Bank | $285,000 | $355,000 | 24.6% | 0.1% |
First United Bank and Trust Company | $355,000 | n/a | 0.1% | |
Midland States Bank | $355,000 | n/a | 0.1% | |
Regions Bank | $105,000 | $350,000 | 233.3% | 0.1% |
Academy Bank | $345,000 | n/a | 0.1% | |
LIMA ONE CAPITAL, LLC | $395,000 | $345,000 | -12.7% | 0.1% |
PENTAGON FEDERAL CREDIT UNION | $675,000 | $340,000 | -49.6% | 0.1% |
UNION HOME MORTGAGE CORP. | $1,090,000 | $335,000 | -69.3% | 0.1% |
LAKEVIEW LOAN SERVICING, LLC | $1,025,000 | $330,000 | -67.8% | 0.1% |
Presidential Bank, FSB | $325,000 | n/a | 0.1% | |
Plains Commerce Bank | $250,000 | $315,000 | 26.0% | 0.1% |
DELMAR FINANCIAL COMPANY | $180,000 | $310,000 | 72.2% | 0.1% |
CMG MORTGAGE, INC. | $705,000 | $305,000 | -56.7% | 0.1% |
New Century Bank | $305,000 | n/a | 0.1% | |
CHARTER WEST BANK | $295,000 | n/a | 0.1% | |
Discover Bank | $255,000 | $295,000 | 15.7% | 0.1% |
GERSHMAN INVESTMENT CORP. | $1,050,000 | $290,000 | -72.4% | 0.1% |
TOP FLITE FINANCIAL, INC. | $490,000 | $290,000 | -40.8% | 0.1% |
PRIMARY RESIDENTIAL MORTGAGE, INC. | $165,000 | $275,000 | 66.7% | 0.1% |
BAYSHORE MORTGAGE FUNDING, LLC | $265,000 | n/a | 0.1% | |
Ixonia Bank | $265,000 | n/a | 0.1% | |
Landmark National Bank | $195,000 | $265,000 | 35.9% | 0.1% |
FRONTIER COMMUNITY CREDIT UNION | $245,000 | n/a | 0.1% | |
GENEVA FINANCIAL, LLC | $270,000 | $235,000 | -13.0% | 0.1% |
The Callaway Bank | $235,000 | n/a | 0.1% | |
PLAZA HOME MORTGAGE, INC. | $495,000 | $230,000 | -53.5% | 0.1% |
Secured Investment Corp. | $230,000 | n/a | 0.1% | |
Deere Employees Credit Union | $225,000 | n/a | 0.1% | |
M&T Bank | $575,000 | $225,000 | -60.9% | 0.1% |
State Bank of Table Rock | $225,000 | n/a | 0.1% | |
Third Federal Savings and Loan Association of Cleveland | $335,000 | $225,000 | -32.8% | 0.1% |
HOMEXPRESS MORTGAGE CORP. | $220,000 | n/a | 0.1% | |
Central National Bank | $215,000 | n/a | 0.1% | |
EVERETT FINANCIAL, INC. | $1,235,000 | $215,000 | -82.6% | 0.1% |
PHH Mortgage Corporation | $415,000 | $215,000 | -48.2% | 0.1% |
VERIDIAN CREDIT UNION | $215,000 | n/a | 0.1% | |
The Federal Savings Bank | $1,100,000 | $205,000 | -81.4% | 0.1% |
PNC Bank | $85,000 | $195,000 | 129.4% | 0.1% |
Alliant Bank | $180,000 | $190,000 | 5.6% | 0.1% |
AMERICAN HERITAGE LENDING, INC. | $95,000 | $190,000 | 100.0% | 0.1% |
FINANCE OF AMERICA REVERSE LLC | $45,000 | $190,000 | 322.2% | 0.1% |
VELOCITY COMMERCIAL CAPITAL, LLC | $190,000 | n/a | 0.1% | |
HOMESTAR FINANCIAL CORPORATION | $185,000 | n/a | 0.1% | |
AMERICAN FINANCING CORPORATION | $540,000 | $175,000 | -67.6% | 0.1% |
BETTER MORTGAGE CORPORATION | $325,000 | $175,000 | -46.2% | 0.1% |
First Federal Bank of Kansas City | $820,000 | $170,000 | -79.3% | 0.0% |
Armed Forces Bank | $65,000 | $165,000 | 153.8% | 0.0% |
Country Club Bank | $530,000 | $165,000 | -68.9% | 0.0% |
HOMESIDE FINANCIAL, LLC | $155,000 | $165,000 | 6.5% | 0.0% |
CAPITAL CONCEPTS, INC. | $155,000 | n/a | 0.0% | |
GUIDANCE RESIDENTIAL, LLC | $255,000 | $155,000 | -39.2% | 0.0% |
Neighborhood Loans, Inc. | $310,000 | $155,000 | -50.0% | 0.0% |
NP, Inc. | $155,000 | n/a | 0.0% | |
Regional Missouri Bank | $155,000 | n/a | 0.0% | |
Equity Prime Mortgage LLC | $155,000 | $150,000 | -3.2% | 0.0% |
CHURCHILL MORTGAGE CORPORATION | $145,000 | n/a | 0.0% | |
Community First National Bank | $145,000 | n/a | 0.0% | |
Northpointe Bank | $145,000 | n/a | 0.0% | |
PANORAMA MORTGAGE GROUP, LLC | $700,000 | $145,000 | -79.3% | 0.0% |
AMERICAN PACIFIC MORTGAGE CORPORATION | $720,000 | $135,000 | -81.3% | 0.0% |
AmeriHome Mortgage Company, LLC | $135,000 | n/a | 0.0% | |
Colonial Savings, F.A. | $115,000 | $135,000 | 17.4% | 0.0% |
AMERITRUST MORTGAGE CORPORATION | $125,000 | n/a | 0.0% | |
GARDNER FINANCIAL SERVICES, LTD. | $125,000 | n/a | 0.0% | |
LOANPAL, LLC | $465,000 | $125,000 | -73.1% | 0.0% |
Sierra Pacific Mortgage Company, Inc. | $350,000 | $125,000 | -64.3% | 0.0% |
ACADEMY MORTGAGE CORPORATION | $300,000 | $120,000 | -60.0% | 0.0% |
MID AMERICAN | $115,000 | n/a | 0.0% | |
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $105,000 | n/a | 0.0% | |
BAY EQUITY LLC | $465,000 | $105,000 | -77.4% | 0.0% |
Farm Credit Mid-America, ACA | $605,000 | $105,000 | -82.6% | 0.0% |
Pinnacle Bank | $105,000 | n/a | 0.0% | |
Great Southern Bank | $280,000 | $95,000 | -66.1% | 0.0% |
LENDINGONE, LLC | $85,000 | n/a | 0.0% | |
MEGASTAR FINANCIAL CORP. | $1,200,000 | $85,000 | -92.9% | 0.0% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $655,000 | $75,000 | -88.5% | 0.0% |
QUORUM FEDERAL CREDIT UNION | $45,000 | $75,000 | 66.7% | 0.0% |
Bank of England | $240,000 | $65,000 | -72.9% | 0.0% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $65,000 | n/a | 0.0% | |
First National Bank of America | $255,000 | $55,000 | -78.4% | 0.0% |
GREENSTATE CREDIT UNION | $55,000 | n/a | 0.0% | |
PLANET HOME LENDING, LLC | $210,000 | $25,000 | -88.1% | 0.0% |
ALLIANT CREDIT UNION | $15,000 | n/a | 0.0% | |
Frontier Bank | $360,000 | $15,000 | -95.8% | 0.0% |
ST. JOSEPH's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 14.3% market share. In second place, with 6.1%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $20,935,000 in loans. In third place, with 5.2%, is QUICKEN LOANS, LLC, having originated $17,705,000 in loans. In fourth place, with 5.1%, is The Nodaway Valley Bank, having originated $17,325,000 in loans. In fifth place, with 4.6%, is HNB National Bank, having originated $15,620,000 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. LouisDate | 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%) | $174,018 (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 | $129,225 (13.9%) | $189,956 (16.7%) | 0.00 | 267 |
2020-04-01 | $129,900 (21.1%) | $189,563 (16.3%) | 0.00 | 243 |
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 (-4.2%) | $185,828 (-2.2%) | 0.00 | 133 |
2021-04-01 | $119,675 (-7.9%) | $192,655 (1.6%) | 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 | $159,900 (45.5%) | $193,546 (19.3%) | 0.00 | 182 |
2022-11-01 | $162,000 (50.4%) | $193,903 (21.8%) | 0.00 | 199 |
2022-12-01 | $160,000 (55.7%) | $196,776 (27.7%) | 0.00 | 174 |
2023-01-01 | $154,925 (25.5%) | $192,812 (20.3%) | 0.00 | 145 |
2023-02-01 | $142,725 (20.3%) | $203,189 (10.2%) | 0.00 | 123 |
2023-03-01 | $149,900 (22.4%) | $202,839 (7.0%) | 0.00 | 109 |
2023-04-01 | $167,450 (11.6%) | $216,576 (1.5%) | 0.00 | 113 |
2023-05-01 | $191,200 (2.0%) | $242,685 (-5.7%) | 0.00 | 121 |
2023-06-01 | $200,975 (21.0%) | $253,327 (10.6%) | 0.00 | 143 |
2023-07-01 | $189,900 (11.7%) | $254,147 (11.0%) | 0.00 | 157 |
2023-08-01 | $181,100 (9.6%) | $253,359 (12.3%) | 0.00 | 157 |
2023-09-01 | $177,500 (7.3%) | $232,498 (12.7%) | 0.00 | 181 |
2023-10-01 | $181,200 (13.3%) | $244,218 (26.2%) | 0.00 | 182 |
2023-11-01 | $177,450 (9.5%) | $245,673 (26.7%) | 0.00 | 189 |
2023-12-01 | $177,500 (10.9%) | $245,326 (24.7%) | 0.00 | 191 |
2024-01-01 | $169,450 (9.4%) | $235,703 (22.2%) | 0.00 | 174 |
2024-02-01 | $154,950 (8.6%) | $223,977 (10.2%) | 0.00 | 166 |
2024-03-01 | $169,900 (13.3%) | $240,467 (18.6%) | 0.00 | 141 |
2024-04-01 | $170,100 (1.6%) | $271,074 (25.2%) | 0.00 | 148 |
2024-05-01 | $189,900 (-0.7%) | $291,597 (20.2%) | 0.00 | 157 |
2024-06-01 | $202,450 (0.7%) | $293,952 (16.0%) | 0.00 | 170 |
2024-07-01 | $190,675 (0.4%) | $280,160 (10.2%) | 0.00 | 182 |
2024-08-01 | $228,000 (25.9%) | $292,603 (15.5%) | 0.00 | 192 |
2024-09-01 | $233,600 (31.6%) | $295,548 (27.1%) | 0.00 | 214 |
ST. JOSEPH's median listing price comes in at 0% of the national average.
ST. JOSEPH's average listing price for 2024-09-01 was $295,548, a difference of $63,050 (27.1%) versus the prior year and $2,945 versus the prior month.
For the 2024-09-01 period, ST. JOSEPH had 214 MLS listings, a difference of 22 listings (11%) versus the prior month and 33 listings (18%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - ST. JOSEPH (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,566 sqft |
2018-02-01 | 0 days | 1,546 sqft |
2018-03-01 | 0 days | 1,556 sqft |
2018-04-01 | 0 days | 1,543 sqft |
2018-05-01 | 0 days | 1,549 sqft |
2018-06-01 | 0 days | 1,520 sqft |
2018-07-01 | 0 days | 1,454 sqft |
2018-08-01 | 0 days | 1,503 sqft |
2018-09-01 | 0 days | 1,546 sqft |
2018-10-01 | 0 days | 1,533 sqft |
2018-11-01 | 0 days | 1,560 sqft |
2018-12-01 | 0 days | 1,560 sqft |
2019-01-01 | 0 days | 1,561 sqft |
2019-02-01 | 0 days | 1,555 sqft |
2019-03-01 | 0 days | 1,562 sqft |
2019-04-01 | 0 days | 1,550 sqft |
2019-05-01 | 0 days | 1,597 sqft |
2019-06-01 | 0 days | 1,600 sqft |
2019-07-01 | 0 days | 1,613 sqft |
2019-08-01 | 0 days | 1,653 sqft |
2019-09-01 | 0 days | 1,707 sqft |
2019-10-01 | 0 days | 1,733 sqft |
2019-11-01 | 0 days | 1,652 sqft |
2019-12-01 | 0 days | 1,600 sqft |
2020-01-01 | 0 days | 1,584 sqft |
2020-02-01 | 0 days | 1,518 sqft |
2020-03-01 | 0 days | 1,696 sqft |
2020-04-01 | 0 days | 1,667 sqft |
2020-05-01 | 0 days | 1,736 sqft |
2020-06-01 | 0 days | 1,719 sqft |
2020-07-01 | 0 days | 1,668 sqft |
2020-08-01 | 0 days | 1,652 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 | 1,500 sqft |
2021-07-01 | 0 days | 1,500 sqft |
2021-08-01 | 0 days | 1,524 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 | 1,584 sqft |
2022-08-01 | 0 days | 1,526 sqft |
2022-09-01 | 0 days | 1,555 sqft |
2022-10-01 | 0 days | 1,476 sqft |
2022-11-01 | 0 days | 1,458 sqft |
2022-12-01 | 0 days | 1,524 sqft |
2023-01-01 | 0 days | 1,459 sqft |
2023-02-01 | 0 days | 1,342 sqft |
2023-03-01 | 0 days | 1,427 sqft |
2023-04-01 | 0 days | 1,594 sqft |
2023-05-01 | 0 days | 1,620 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 |
2023-12-01 | 0 days | 1,710 sqft |
2024-01-01 | 0 days | 1,598 sqft |
2024-02-01 | 0 days | 1,588 sqft |
2024-03-01 | 0 days | 1,594 sqft |
2024-04-01 | 0 days | 1,572 sqft |
2024-05-01 | 0 days | 1,725 sqft |
2024-06-01 | 0 days | 1,716 sqft |
2024-07-01 | 0 days | 1,725 sqft |
2024-08-01 | 0 days | 1,688 sqft |
2024-09-01 | 0 days | 1,704 sqft |
ST. JOSEPH's median square footage for active listings during the 2024-09-01 period was 1,704 sqft. One year prior, the average listing was 1,594 sqft.
ST. JOSEPH, MO-KS Average Rent (2023)
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Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
---|---|---|---|---|---|---|
64401 | St. Joseph, MO-KS MSA | $590 | $670 | $880 | $1,140 | $1,230 |
64421 | St. Joseph, MO-KS MSA | $720 | $820 | $1,080 | $1,400 | $1,510 |
64422 | St. Joseph, MO-KS MSA | $560 | $640 | $830 | $1,080 | $1,170 |
64423 | St. Joseph, MO-KS MSA | $620 | $700 | $920 | $1,190 | $1,290 |
64427 | St. Joseph, MO-KS MSA | $530 | $600 | $790 | $1,020 | $1,110 |
64429 | St. Joseph, MO-KS MSA | $720 | $810 | $990 | $1,300 | $1,460 |
64430 | St. Joseph, MO-KS MSA | $530 | $610 | $800 | $1,040 | $1,120 |
64436 | St. Joseph, MO-KS MSA | $630 | $680 | $900 | $1,190 | $1,270 |
64439 | St. Joseph, MO-KS MSA | $690 | $790 | $930 | $1,230 | $1,420 |
64440 | St. Joseph, MO-KS MSA | $690 | $790 | $930 | $1,230 | $1,420 |
64443 | St. Joseph, MO-KS MSA | $590 | $670 | $870 | $1,130 | $1,230 |
64444 | St. Joseph, MO-KS MSA | $690 | $790 | $930 | $1,230 | $1,420 |
64448 | St. Joseph, MO-KS MSA | $550 | $630 | $830 | $1,080 | $1,160 |
64449 | St. Joseph, MO-KS MSA | $530 | $600 | $790 | $1,020 | $1,110 |
64454 | St. Joseph, MO-KS MSA | $710 | $800 | $940 | $1,240 | $1,430 |
64455 | St. Joseph, MO-KS MSA | $620 | $700 | $920 | $1,190 | $1,290 |
64457 | St. Joseph, MO-KS MSA | $620 | $700 | $920 | $1,190 | $1,290 |
64459 | St. Joseph, MO-KS MSA | $560 | $640 | $840 | $1,090 | $1,180 |
64463 | St. Joseph, MO-KS MSA | $570 | $650 | $850 | $1,100 | $1,190 |
64469 | St. Joseph, MO-KS MSA | $570 | $650 | $850 | $1,100 | $1,190 |
64474 | St. Joseph, MO-KS MSA | $690 | $790 | $930 | $1,230 | $1,420 |
64480 | St. Joseph, MO-KS MSA | $560 | $630 | $830 | $1,070 | $1,160 |
64483 | St. Joseph, MO-KS MSA | $550 | $620 | $810 | $1,050 | $1,140 |
64484 | St. Joseph, MO-KS MSA | $690 | $790 | $930 | $1,230 | $1,420 |
64485 | St. Joseph, MO-KS MSA | $580 | $650 | $860 | $1,120 | $1,210 |
64490 | St. Joseph, MO-KS MSA | $690 | $790 | $930 | $1,230 | $1,420 |
64494 | St. Joseph, MO-KS MSA | $570 | $650 | $850 | $1,100 | $1,180 |
64497 | St. Joseph, MO-KS MSA | $530 | $600 | $790 | $1,020 | $1,110 |
64501 | St. Joseph, MO-KS MSA | $550 | $620 | $820 | $1,060 | $1,150 |
64502 | St. Joseph, MO-KS MSA | $600 | $680 | $900 | $1,170 | $1,260 |
64503 | St. Joseph, MO-KS MSA | $660 | $750 | $990 | $1,280 | $1,390 |
64504 | St. Joseph, MO-KS MSA | $620 | $700 | $920 | $1,190 | $1,290 |
64505 | St. Joseph, MO-KS MSA | $630 | $710 | $940 | $1,220 | $1,320 |
64506 | St. Joseph, MO-KS MSA | $620 | $700 | $920 | $1,190 | $1,290 |
64507 | St. Joseph, MO-KS MSA | $620 | $700 | $920 | $1,190 | $1,290 |
64508 | St. Joseph, MO-KS MSA | $600 | $680 | $900 | $1,170 | $1,260 |
64670 | St. Joseph, MO-KS MSA | $530 | $600 | $790 | $1,020 | $1,110 |
66002 | St. Joseph, MO-KS MSA | $690 | $790 | $930 | $1,230 | $1,420 |
66008 | St. Joseph, MO-KS MSA | $540 | $600 | $790 | $1,020 | $1,120 |
66017 | St. Joseph, MO-KS MSA | $530 | $600 | $790 | $1,020 | $1,110 |
66024 | St. Joseph, MO-KS MSA | $530 | $600 | $790 | $1,020 | $1,110 |
66035 | St. Joseph, MO-KS MSA | $530 | $600 | $790 | $1,020 | $1,110 |
66041 | St. Joseph, MO-KS MSA | $550 | $620 | $820 | $1,060 | $1,150 |
66087 | St. Joseph, MO-KS MSA | $530 | $600 | $790 | $1,020 | $1,110 |
66090 | St. Joseph, MO-KS MSA | $600 | $680 | $900 | $1,170 | $1,260 |
66094 | St. Joseph, MO-KS MSA | $530 | $600 | $790 | $1,020 | $1,110 |
66532 | St. Joseph, MO-KS MSA | $700 | $800 | $1,050 | $1,360 | $1,470 |
2022 Average & Median Rent Data Statistics
ST. JOSEPH, MO-KS average 1BR rent: $683, median: $670
ST. JOSEPH, MO-KS average 2BR rent: $878, median: $880
ST. JOSEPH, MO-KS average 3BR rent: $1,142, median: $1,140
ST. JOSEPH, MO-KS Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 1,353 | $256,465,000 | $189,553 |
Refi | 232 | $36,310,000 | $156,509 |
Cash Out Refi | 222 | $32,120,000 | $144,685 |
Other | 127 | $8,715,000 | $68,622 |
Home Improvement | 121 | $8,585,000 | $70,950 |
St. Joseph's most frequently cited loan purpose was Home Purchase, with 1,353 originations. The 2nd most popular reason was Refi, with 232 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
6-7% | 704 | $117,770,000 | $167,287 |
7-8% | 501 | $84,015,000 | $167,695 |
Over 8% | 217 | $27,825,000 | $128,226 |
5-6% | 128 | $23,440,000 | $183,125 |
2.5-3% | 24 | $1,820,000 | $75,833 |
<2.5% | 21 | $21,335,000 | $1,015,952 |
4-5% | 13 | $2,365,000 | $181,923 |
3-4% | 3 | $385,000 | $128,333 |
During 2023, St. Joseph's most frequently originated rate bucket was 6-7%, with 704 originations.
Loan Sizing (ST. JOSEPH, MO-KS MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100k-200k | 795 | $114,935,000 | $144,572 |
$100,000 or less | 761 | $42,465,000 | $55,802 |
$200k-400k | 427 | $113,565,000 | $265,960 |
$400k-600k | 51 | $23,585,000 | $462,451 |
$600k-1000k | 15 | $10,805,000 | $720,333 |
$Over $1MM | 6 | $36,840,000 | $6,140,000 |
ST. JOSEPH's loan sizing saw the bucket of loans from $100k-200k with 795 originations, totaling $114,935,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 865 | $165,025,000 | $190,780 |
60-80% | 368 | $64,730,000 | $175,897 |
Under 20% | 176 | $8,350,000 | $47,443 |
40-60% | 112 | $14,730,000 | $131,518 |
20-40% | 106 | $6,960,000 | $65,660 |
Over 100% | 26 | $26,700,000 | $1,026,923 |
ST. JOSEPH's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 865 originations, totaling $165,025,000 in origination value.