ST. JOSEPH Mortgage Rates

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

30 Year Fixed Rate mortgages in St. Joseph averaged 6.28% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.15% and one month ago for the week of 2022-05-19, the average rate was 5.32%.

St. Joseph's average rate one year ago was 3.08%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.8%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
St. Joseph 30 Year Fixed Rate 2022-06-23 6.28%
St. Joseph 30 Year Fixed Rate Refi 2022-06-23 5.8%
St. Joseph 15 Year Fixed Rate 2022-06-23 5.61%
St. Joseph 15 Year Fixed Rate Refi 2022-06-23 4.94%
St. Joseph 30 Year FHA 2022-06-23 0.4%
St. Joseph 30 Year FHA Refi 2022-06-23 -0.09%
St. Joseph 30 Year USDA 2022-06-23 0.43%
St. Joseph 30 Year USDA Refi 2022-06-23 0.27%
St. Joseph 30 Year VA 2022-06-23 0.11%
St. Joseph 30 Year VA Refi 2022-06-23 -0.08%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 223 3.18% $2,547
PRIMELENDING, A PLAINSCAPITAL COMPANY 138 3.31% $2,671
QUICKEN LOANS, LLC 126 3.15% $4,576
U.S. Bank 91 3.09% $2,405
HNB National Bank 80 3.11% $1,626
Community Mortgage Banc Corporation 57 3.25% $1,995
Commerce Bank 47 3.34% $2,608
FLAT BRANCH MORTGAGE, INC. 40 3.31% $2,608
Wells Fargo Bank 26 3.36% $2,292
NBH Bank 26 3.23% $2,341
Mr. Cooper ( Nationstar Mortgage ) 25 3.41% $4,333
LEADERONE FINANCIAL CORPORATION 22 3.33% $3,046
AMERICAN PORTFOLIO MORTGAGE CORPORATION 19 3.36% $2,701
ENDEAVOR CAPITAL, LLC. 18 3.22% $3,001
Evolve Bank & Trust 17 4.21% $2,979
Flanagan State Bank 16 3.48% $2,838
AMERISAVE MORTGAGE CORPORATION 14 3.09% $5,705
COMMUNITY MORTGAGE, LLC 13 3.23% $2,446
Flagstar Bank, FSB 12 3.18% $3,195
FREEDOM MORTGAGE CORPORATION 11 3.31% $2,056
OPEN MORTGAGE, LLC 11 3.02% $2,782
North American Savings Bank, F.S.B. 11 3.03% $1,131
JPMorgan Chase Bank 11 3.22% $2,309
GUARANTEED RATE, INC. 9 3.11% $3,789
UMB Bank 9 3.15% $2,275
UNITED WHOLESALE MORTGAGE, LLC 9 3.07% $3,440
First State Bank of St. Charles, Missouri 9 3.04% $2,931
LOANDEPOT.COM, LLC 8 3.26% $4,029
Mortgage Investment Services Corporation 8 3.45% $2,397
BETTER MORTGAGE CORPORATION 7 3.00% $1,613
CROSSCOUNTRY MORTGAGE, LLC 7 3.21% $3,829
Bank of America 7 3.07% $2,860
Mortgage Research Center, LLC 6 2.83% $1,761
COMMUNITYAMERICA 6 3.35% $3,062
CALIBER HOME LOANS, INC. 6 3.46% $3,007
NEWREZ LLC 6 2.91% $3,820
ROYAL UNITED MORTGAGE LLC 6 3.58% $5,202
Landmark National Bank 6 3.06% $2,147
GUILD MORTGAGE COMPANY 6 3.38% $2,979
UNION HOME MORTGAGE CORP. 5 3.15% $2,757
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 3.15% $4,213
NBKC BANK 5 3.37% $2,682
FINANCE OF AMERICA MORTGAGE LLC 5 3.43% $2,464
Academy Bank 4 3.28% $3,213
Arvest Bank 4 2.91% $2,303
DAS Acquisition Company, LLC 4 3.68% $4,575
FCS Financial FLCA 4 3.81% $2,664
First National Bank of Omaha 4 3.00% $2,148
HOME POINT FINANCIAL CORPORATION 4 3.03% $4,696
INLANTA MORTGAGE, INC. 4 3.19% $3,619
Nations Lending Corporation 4 3.50% $5,498
Prosperity Home Mortgage, LLC 4 3.16% $2,877
UNITED CONSUMERS CREDIT UNION 4 3.00% $1,936
CELEBRITY HOME LOANS, LLC 3 3.21% $2,845
InterContinental Capital Group, Inc 3 3.33% $3,823
Carrington Mortgage Services, LLC 3 3.91% $5,157
BROKER SOLUTIONS, INC. 3 3.29% $2,572
United Community Bank 3 2.76% $1,729
HOMESIDE FINANCIAL, LLC 3 3.12% $4,051
MORTGAGE SOLUTIONS LLC 3 2.92% $2,577
First Federal Bank of Kansas City 3 3.17% $2,763
JLB CORPORATION 2 3.25% $3,589
Waterstone Mortgage Corporation 2 3.63% $4,556
The Central Trust Bank 2 2.87% $2,671
The Federal Savings Bank 2 3.31% $6,086
BNC National Bank 2 3.13% $3,432
Truist Bank 2 3.31% $4,547
MEGASTAR FINANCIAL CORP. 2 3.19% $2,986
MID AMERICA MORTGAGE, INC. 2 3.00% $2,738
PENNYMAC LOAN SERVICES, LLC 2 3.19% $1,705
Bank of England 2 3.13% $4,417
KELLER MORTGAGE, LLC 2 3.00% $1,691
MOVEMENT MORTGAGE, LLC 2 4.06% $2,383
AMERICAN INTERNET MORTGAGE, INC. 2 2.81% $2,429
Community First National Bank 2 3.19% $3,666
NAVY FEDERAL CREDIT UNION 2 4.19% $1,491
S1L, Inc. 2 3.18% $1,972
GENEVA FINANCIAL, LLC 2 3.38% $3,307
GERSHMAN INVESTMENT CORP. 2 3.44% $2,296
AMERICAN FINANCING CORPORATION 2 3.31% $3,430
Paramount Bank 1 3.00% $2,448
PHH Mortgage Corporation 1 3.75% $5,182
Pinnacle Bank 1 2.88% $2,246
PREMIER MORTGAGE RESOURCES, L.L.C. 1 3.38% $3,986
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.25% $11,719
Bank of the West 1 3.25% $3,196
Wyndham Capital Mortgage, Inc. 1 3.50% $1,217
Regions Bank 1 3.13% $4,377
Republic Bank & Trust Company 1 3.50% $2,855
Axos Bank 1 4.63% $2,140
RUOFF MORTGAGE COMPANY, INC. 1 3.13% $1,625
SECURITYNATIONAL MORTGAGE COMPANY 1 4.00% $3,868
Sierra Pacific Mortgage Company, Inc. 1 2.75% $3,550
SIRVA MORTGAGE, INC. 1 3.13% $2,199
Sunflower Bank 1 2.88% $3,988
Texana Bank 1 3.00% $4,211
Triumph Bank 1 2.75% $3,220
Arbor Bank 1 2.38% $2,228
Union Bank and Trust Company 1 3.13% $2,261
FRONTIER COMMUNITY CREDIT UNION 1 2.88% $2,343
ZILLOW HOME LOANS, LLC 1 2.88% $3,644
American Mortgage & Equity Consultants, Inc. 1 2.88% $1,802
VERIDIAN CREDIT UNION 1 3.38% $1,801
First Mortgage Solutions, LLC 1 3.25% $1,193
First Home Bank 1 3.25% $2,142
First Guaranty Mortgage Corporation 1 2.88% $5,078
First Financial Bank 1 3.13% $1,938
American National Bank 1 2.75% $4,673
Great Southern Bank 1 2.99% $2,434
Great Western Bank 1 3.13% $2,330
First Federal Bank 1 3.25% $3,359
FirstBank 1 2.88% $1,612
Financial Funding Solutions, Inc. 1 2.88% $3,994
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.13% $3,015
Hometown Lenders, Inc. 1 3.50% $2,858
Ixonia Bank 1 2.88% $9,308
Fidelity Bank 1 3.25% $2,445
KS StateBank 1 2.88% $2,420
LAKEVIEW LOAN SERVICING, LLC 1 3.75% $1,416
Farm Credit Mid-America, ACA 1 3.45% $10,462
DELMAR FINANCIAL COMPANY 1 2.88% $3,168
LOANPAL, LLC 1 2.50% $3,849
Manufacturers and Traders Trust Company 1 3.13% $3,782
Mazuma Credit Union 1 3.88% $2,226
Midwest Heritage Bank FSB 1 3.25% $1,926
MISSOURI ELECTRIC COOPERATIVES EMPL 1 3.00% $1,912
Colonial Savings, F.A. 1 3.63% $1,537
CMG MORTGAGE, INC. 1 2.99% $5,050
MUTUAL OF OMAHA MORTGAGE, INC. 1 2.88% $2,002
West Gate Bank 1 2.63% $4,731
CapStar Bank 1 3.25% $2,448
BOKF 1 3.25% $2,346
Northpointe Bank 1 3.25% $2,799
PANORAMA MORTGAGE GROUP, LLC 1 4.50% $4,275

ST. JOSEPH, MO-KS's 134 lenders originated 4,029 loans during 2021. The total origination value was $630,455,000, with an average loan value of $156,479.

The top ST. JOSEPH lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 223 loans originated. Their average total fees are $2,547, which is $124 lower than the next largest lender, PRIMELENDING, A PLAINSCAPITAL COMPANY.

The lowest fee ST. JOSEPH lenders (with over 10 loans originated) are North American Savings Bank, F.S.B. ($1,131), HNB National Bank ($1,626), Community Mortgage Banc Corporation ($1,995), FREEDOM MORTGAGE CORPORATION ($2,056) and Wells Fargo Bank ($2,292).

The lowest rate ST. JOSEPH lenders (with over 10 loans originated) are OPEN MORTGAGE, LLC (3.02%), North American Savings Bank, F.S.B. (3.03%), U.S. Bank (3.09%), AMERISAVE MORTGAGE CORPORATION (3.09%) and HNB National Bank (3.11%).

ST. JOSEPH, MO-KS Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $79,175,000 $75,865,000 -4.2% 12.0%
QUICKEN LOANS, LLC $53,290,000 $58,515,000 9.8% 9.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $45,630,000 $43,845,000 -3.9% 7.0%
U.S. Bank $26,645,000 $36,005,000 35.1% 5.7%
HNB National Bank $40,675,000 $26,770,000 -34.2% 4.2%
Farmers State Bank $19,945,000 $18,635,000 -6.6% 3.0%
FREEDOM MORTGAGE CORPORATION $16,525,000 $18,500,000 12.0% 2.9%
Commerce Bank $23,125,000 $17,010,000 -26.4% 2.7%
The Nodaway Valley Bank $17,040,000 $16,720,000 -1.9% 2.7%
Community Mortgage Banc Corporation $18,360,000 $13,745,000 -25.1% 2.2%
FLAT BRANCH MORTGAGE, INC. $11,970,000 $13,410,000 12.0% 2.1%
Mortgage Research Center, LLC $6,530,000 $11,615,000 77.9% 1.8%
Mr. Cooper ( Nationstar Mortgage ) $5,470,000 $9,495,000 73.6% 1.5%
Wells Fargo Bank $7,660,000 $9,445,000 23.3% 1.5%
NBH Bank $6,565,000 $8,455,000 28.8% 1.3%
Mutual Savings Association $13,185,000 $6,985,000 -47.0% 1.1%
Exchange Bank & Trust $3,680,000 $6,910,000 87.8% 1.1%
The Union State Bank of Everest $6,350,000 $6,585,000 3.7% 1.0%
ENDEAVOR CAPITAL, LLC. $5,955,000 $6,280,000 5.5% 1.0%
LEADERONE FINANCIAL CORPORATION $2,325,000 $6,245,000 168.6% 1.0%
AMERISAVE MORTGAGE CORPORATION $3,550,000 $6,105,000 72.0% 1.0%
Wells Bank $7,815,000 $6,105,000 -21.9% 1.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $4,225,000 $5,945,000 40.7% 0.9%
Flanagan State Bank $4,870,000 $5,820,000 19.5% 0.9%
PENNYMAC LOAN SERVICES, LLC $3,005,000 $5,820,000 93.7% 0.9%
LOANDEPOT.COM, LLC $5,175,000 $5,745,000 11.0% 0.9%
LAKEVIEW LOAN SERVICING, LLC $3,080,000 $5,655,000 83.6% 0.9%
UMB Bank $6,220,000 $5,360,000 -13.8% 0.9%
Landmark National Bank $615,000 $4,935,000 702.4% 0.8%
Flagstar Bank, FSB $1,915,000 $4,640,000 142.3% 0.7%
OPEN MORTGAGE, LLC $2,890,000 $4,480,000 55.0% 0.7%
JPMorgan Chase Bank $1,640,000 $4,440,000 170.7% 0.7%
NEWREZ LLC $1,295,000 $3,940,000 204.2% 0.6%
UNITED WHOLESALE MORTGAGE, LLC $3,970,000 $3,865,000 -2.6% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $3,010,000 $3,595,000 19.4% 0.6%
GUARANTEED RATE, INC. $2,750,000 $3,575,000 30.0% 0.6%
North American Savings Bank, F.S.B. $5,665,000 $3,485,000 -38.5% 0.6%
COMMUNITY MORTGAGE, LLC $2,050,000 $3,400,000 65.9% 0.5%
COMMUNITYAMERICA $4,345,000 $3,340,000 -23.1% 0.5%
CALIBER HOME LOANS, INC. $1,875,000 $3,200,000 70.7% 0.5%
First Option Bank $3,755,000 $3,035,000 -19.2% 0.5%
Mortgage Investment Services Corporation $1,180,000 $2,975,000 152.1% 0.5%
BETTER MORTGAGE CORPORATION $290,000 $2,840,000 879.3% 0.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,015,000 $2,685,000 164.5% 0.4%
HOME POINT FINANCIAL CORPORATION $2,185,000 $2,635,000 20.6% 0.4%
Arvest Bank $2,270,000 $2,440,000 7.5% 0.4%
UNION HOME MORTGAGE CORP. $2,230,000 $2,440,000 9.4% 0.4%
KeyBank $2,405,000 n/a 0.4%
KS StateBank $2,250,000 n/a 0.4%
NAVY FEDERAL CREDIT UNION $2,395,000 $2,220,000 -7.3% 0.4%
First State Bank of St. Charles, Missouri $2,915,000 $2,125,000 -27.1% 0.3%
Bank of America $1,255,000 $2,090,000 66.5% 0.3%
FCS Financial FLCA $2,090,000 n/a 0.3%
FINANCE OF AMERICA COMMERCIAL LLC $1,165,000 $2,015,000 73.0% 0.3%
First Community Bank $2,005,000 n/a 0.3%
NEW DAY FINANCIAL, LLC $2,040,000 $2,000,000 -2.0% 0.3%
NBKC BANK $1,270,000 $1,955,000 53.9% 0.3%
Prosperity Home Mortgage, LLC $1,120,000 $1,885,000 68.3% 0.3%
Evolve Bank & Trust $1,685,000 n/a 0.3%
INLANTA MORTGAGE, INC. $520,000 $1,635,000 214.4% 0.3%
BROKER SOLUTIONS, INC. $1,040,000 $1,530,000 47.1% 0.2%
BTC BANK $960,000 $1,490,000 55.2% 0.2%
USAA Federal Savings Bank $4,445,000 $1,490,000 -66.5% 0.2%
JLB CORPORATION $765,000 $1,485,000 94.1% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $1,540,000 $1,480,000 -3.9% 0.2%
The Federal Savings Bank $2,040,000 $1,415,000 -30.6% 0.2%
Carrington Mortgage Services, LLC $575,000 $1,395,000 142.6% 0.2%
21ST MORTGAGE CORPORATION $1,405,000 $1,375,000 -2.1% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $185,000 $1,370,000 640.5% 0.2%
PLANET HOME LENDING, LLC $65,000 $1,370,000 2,007.7% 0.2%
GUILD MORTGAGE COMPANY $3,070,000 $1,335,000 -56.5% 0.2%
DAS Acquisition Company, LLC $1,000,000 $1,330,000 33.0% 0.2%
UNITED CONSUMERS CREDIT UNION $2,540,000 $1,325,000 -47.8% 0.2%
MID AMERICA MORTGAGE, INC. $1,315,000 n/a 0.2%
Nations Lending Corporation $330,000 $1,275,000 286.4% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $270,000 $1,225,000 353.7% 0.2%
CELEBRITY HOME LOANS, LLC $310,000 $1,200,000 287.1% 0.2%
MEGASTAR FINANCIAL CORP. $570,000 $1,195,000 109.6% 0.2%
GERSHMAN INVESTMENT CORP. $805,000 $1,175,000 46.0% 0.2%
Old Missouri Bank $1,160,000 n/a 0.2%
The Central Trust Bank $1,145,000 n/a 0.2%
Academy Bank $850,000 $1,120,000 31.8% 0.2%
Country Club Bank $1,345,000 $1,110,000 -17.5% 0.2%
BOKF $775,000 $950,000 22.6% 0.2%
ROYAL UNITED MORTGAGE LLC $730,000 $950,000 30.1% 0.2%
First National Bank of Omaha $510,000 $930,000 82.4% 0.1%
Security Bank of Kansas City $290,000 $920,000 217.2% 0.1%
MOVEMENT MORTGAGE, LLC $1,095,000 $890,000 -18.7% 0.1%
United Community Bank $520,000 $855,000 64.4% 0.1%
First Guaranty Mortgage Corporation $825,000 n/a 0.1%
Mazuma Credit Union $805,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $1,020,000 $805,000 -21.1% 0.1%
Manufacturers and Traders Trust Company $940,000 $800,000 -14.9% 0.1%
ACADEMY MORTGAGE CORPORATION $100,000 $780,000 680.0% 0.1%
Access Bank $775,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $445,000 $765,000 71.9% 0.1%
Wyndham Capital Mortgage, Inc. $305,000 $750,000 145.9% 0.1%
First Federal Bank $565,000 $740,000 31.0% 0.1%
Farm Credit Mid-America, ACA $520,000 $730,000 40.4% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $630,000 $730,000 15.9% 0.1%
Stifel Bank and Trust $1,490,000 $720,000 -51.7% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,385,000 $710,000 -48.7% 0.1%
First Federal Bank of Kansas City $165,000 $665,000 303.0% 0.1%
InterContinental Capital Group, Inc $660,000 n/a 0.1%
First Mortgage Solutions, LLC $1,435,000 $645,000 -55.1% 0.1%
Bank of England $85,000 $615,000 623.5% 0.1%
BNC National Bank $1,635,000 $610,000 -62.7% 0.1%
Paramount Bank $300,000 $610,000 103.3% 0.1%
S1L, Inc. $600,000 n/a 0.1%
BMO Harris Bank $375,000 $595,000 58.7% 0.1%
MORTGAGE SOLUTIONS LLC $1,450,000 $590,000 -59.3% 0.1%
Central National Bank $235,000 $585,000 148.9% 0.1%
ZILLOW HOME LOANS, LLC $545,000 $565,000 3.7% 0.1%
Community First National Bank $470,000 $555,000 18.1% 0.1%
Hawthorn Bank $550,000 n/a 0.1%
AMERICAN INTERNET MORTGAGE, INC. $270,000 $545,000 101.9% 0.1%
LENDINGHOME FUNDING CORPORATION $500,000 $540,000 8.0% 0.1%
Bank of Blue Valley $525,000 n/a 0.1%
KELLER MORTGAGE, LLC $360,000 $525,000 45.8% 0.1%
United Fidelity Funding Corp. $1,335,000 $515,000 -61.4% 0.1%
AMERICAN ADVISORS GROUP $440,000 $505,000 14.8% 0.1%
AMERICAN FINANCING CORPORATION $500,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $195,000 $495,000 153.8% 0.1%
Glacier Bank $495,000 n/a 0.1%
Midwest Heritage Bank FSB $490,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $1,590,000 $485,000 -69.5% 0.1%
Republic Bank & Trust Company $475,000 n/a 0.1%
LOANPAL, LLC $200,000 $465,000 132.5% 0.1%
TRIAD FINANCIAL SERVICES, INC. $145,000 $445,000 206.9% 0.1%
CoreFirst Bank & Trust $435,000 n/a 0.1%
Texana Bank $425,000 n/a 0.1%
Truist Bank $715,000 $425,000 -40.6% 0.1%
DELMAR FINANCIAL COMPANY $2,050,000 $400,000 -80.5% 0.1%
FirstBank $400,000 n/a 0.1%
Hometown Lenders, Inc. $400,000 n/a 0.1%
EVERETT FINANCIAL, INC. $1,105,000 $395,000 -64.3% 0.1%
Triumph Bank $125,000 $385,000 208.0% 0.1%
Arbor Bank $375,000 n/a 0.1%
Low VA Rates, LLC $185,000 $365,000 97.3% 0.1%
GENEVA FINANCIAL, LLC $390,000 $350,000 -10.3% 0.1%
AmeriHome Mortgage Company, LLC $330,000 n/a 0.1%
MISSOURI Credit Union $330,000 n/a 0.1%
Ally Bank $135,000 $315,000 133.3% 0.0%
Sierra Pacific Mortgage Company, Inc. $410,000 $305,000 -25.6% 0.0%
First Financial Bank $295,000 n/a 0.0%
Ixonia Bank $295,000 n/a 0.0%
First Home Bank $665,000 $290,000 -56.4% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $830,000 $290,000 -65.1% 0.0%
Plains Commerce Bank $345,000 $290,000 -15.9% 0.0%
TruHome Solutions, LLC $290,000 n/a 0.0%
CMG MORTGAGE, INC. $270,000 $285,000 5.6% 0.0%
GNBank $285,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $185,000 $280,000 51.4% 0.0%
Emprise Bank $275,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $275,000 n/a 0.0%
Colonial Savings, F.A. $550,000 $270,000 -50.9% 0.0%
Regions Bank $375,000 $265,000 -29.3% 0.0%
American Mortgage & Equity Consultants, Inc. $255,000 n/a 0.0%
Great Western Bank $75,000 $255,000 240.0% 0.0%
SOUTHWEST STAGE FUNDING, LLC $255,000 n/a 0.0%
PHH Mortgage Corporation $250,000 n/a 0.0%
American Mortgage Bank, LLC $245,000 n/a 0.0%
Mid-America Bank $245,000 n/a 0.0%
Pinnacle Bank $155,000 $245,000 58.1% 0.0%
SENTE MORTGAGE, INC. $270,000 $245,000 -9.3% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $235,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $170,000 $230,000 35.3% 0.0%
CapStar Bank $225,000 n/a 0.0%
SIRVA MORTGAGE, INC. $225,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $635,000 $220,000 -65.4% 0.0%
HomeBank $210,000 n/a 0.0%
West Gate Bank $205,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $335,000 $190,000 -43.3% 0.0%
Equity Bank $425,000 $185,000 -56.5% 0.0%
Financial Funding Solutions, Inc. $185,000 n/a 0.0%
First Federal Savings and Loan Bank $185,000 n/a 0.0%
Great Southern Bank $865,000 $185,000 -78.6% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $115,000 $185,000 60.9% 0.0%
Gateway First Bank $175,000 n/a 0.0%
SIWELL, INC. $175,000 n/a 0.0%
Sunflower Bank $855,000 $175,000 -79.5% 0.0%
TOGETHER CREDIT UNION $175,000 n/a 0.0%
Axos Bank $165,000 n/a 0.0%
NORTHERN MORTGAGE SERVICES, LLC $165,000 n/a 0.0%
Waterstone Mortgage Corporation $160,000 n/a 0.0%
American National Bank $315,000 $155,000 -50.8% 0.0%
Deere Employees Credit Union $25,000 $155,000 520.0% 0.0%
Discover Bank $190,000 $155,000 -18.4% 0.0%
Mid-Continent Funding, Inc. $865,000 $155,000 -82.1% 0.0%
MISSOURI ELECTRIC COOPERATIVES EMPL $1,220,000 $155,000 -87.3% 0.0%
Third Federal Savings and Loan Association of Cleveland $135,000 $155,000 14.8% 0.0%
Citibank $115,000 $150,000 30.4% 0.0%
Figure Lending LLC $55,000 $150,000 172.7% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $145,000 n/a 0.0%
Fidelity Bank $135,000 n/a 0.0%
First Bank $620,000 $135,000 -78.2% 0.0%
First Midwest Bank $135,000 n/a 0.0%
GSF Mortgage Corporation $135,000 n/a 0.0%
NUMARK CREDIT UNION $135,000 n/a 0.0%
ON Q FINANCIAL, INC. $135,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $135,000 n/a 0.0%
GUARANTEED RATE AFFINITY, LLC $195,000 $125,000 -35.9% 0.0%
HEARTLAND CREDIT UNION $125,000 n/a 0.0%
VERIDIAN CREDIT UNION $125,000 n/a 0.0%
Colten Mortgage, LLC $115,000 n/a 0.0%
FRONTIER COMMUNITY CREDIT UNION $195,000 $115,000 -41.0% 0.0%
LIMA ONE CAPITAL, LLC $115,000 n/a 0.0%
Simmons Bank $110,000 $115,000 4.5% 0.0%
Union Bank and Trust Company $115,000 n/a 0.0%
Notre Dame Federal Credit Union Corporation $105,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $105,000 n/a 0.0%
Armed Forces Bank $95,000 n/a 0.0%
Citizens Bank $290,000 $95,000 -67.2% 0.0%
Midwest Mortgage Associates Corporation $95,000 n/a 0.0%
The Huntington National Bank $95,000 n/a 0.0%
CENTRAL MISSOURI COMMUNITY CREDIT UNION $95,000 $85,000 -10.5% 0.0%
LONGBRIDGE FINANCIAL, LLC $85,000 n/a 0.0%
Members Mortgage Services, L.L.C. $85,000 n/a 0.0%
Chickasaw Community Bank $75,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $1,380,000 $75,000 -94.6% 0.0%
CITIZENS EQUITY FIRST $65,000 n/a 0.0%
Paramount Residential Mortgage Group, Inc. $455,000 $65,000 -85.7% 0.0%
PNC Bank $65,000 n/a 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $170,000 $65,000 -61.8% 0.0%
TCF National Bank $65,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $25,000 $50,000 100.0% 0.0%
Azura Credit Union $45,000 n/a 0.0%
Northpointe Bank $45,000 n/a 0.0%
Bank of the West $2,180,000 $35,000 -98.4% 0.0%
FOUR POINTS $35,000 n/a 0.0%

ST. JOSEPH's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 12.0% market share. In second place, with 9.3%, is QUICKEN LOANS, LLC, having originated $58,515,000 in loans. In third place, with 7.0%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $43,845,000 in loans. In third place, with 5.7%, is U.S. Bank, having originated $36,005,000 in loans. In third place, with 4.2%, is HNB National Bank, having originated $26,770,000 in loans.


ST. JOSEPH, MO-KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,823 $294,605,000 $161,604
Refi 1,365 $216,625,000 $158,700
Cash Out Refi 683 $107,555,000 $157,474
Home Improvement 92 $6,540,000 $71,087
Other 66 $5,130,000 $77,727

St. Joseph's most frequently cited loan purpose was Home Purchase, with 1,823 originations. The 2nd most popular reason was Refi, with 1,365 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,476 $225,140,000 $152,534
2.5-3% 1,234 $211,150,000 $171,110
<2.5% 553 $91,225,000 $164,964
4-5% 198 $26,910,000 $135,909
5-6% 34 $2,820,000 $82,941
Over 8% 20 $910,000 $45,500
6-7% 19 $1,585,000 $83,421
7-8% 6 $260,000 $43,333

During 2021, St. Joseph's most frequently originated rate bucket was 3-4%, with 1,476 originations.

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

Loan Size Originations Total Value Average Loan
$100k-200k 1,827 $260,775,000 $142,734
$100,000 or less 1,234 $78,730,000 $63,801
$200k-400k 871 $230,035,000 $264,104
$400k-600k 78 $36,990,000 $474,231
$600k-1000k 12 $8,940,000 $745,000
$Over $1MM 7 $14,985,000 $2,140,714

ST. JOSEPH's loan sizing saw the bucket of loans from $100k-200k with 1,827 originations, totaling $260,775,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,608 $276,060,000 $171,679
60-80% 1,147 $189,195,000 $164,948
40-60% 363 $49,255,000 $135,689
20-40% 154 $13,770,000 $89,416
Under 20% 127 $2,675,000 $21,063
Over 100% 30 $6,480,000 $216,000

ST. JOSEPH's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,608 originations, totaling $276,060,000 in origination value.


Market Conditions (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 $128,900 (17.8%) $186,377 (11.6%) 0.00 551
2018-02-01 $129,900 (23.7%) $187,994 (17.7%) 0.00 535
2018-03-01 $144,873 (34.3%) $190,630 (19.8%) 0.00 520
2018-04-01 $134,225 (16.7%) $188,710 (9.6%) 0.00 514
2018-05-01 $130,000 (17.1%) $181,353 (4.7%) 0.00 552
2018-06-01 $129,900 (11.3%) $179,017 (2.2%) 0.00 607
2018-07-01 $129,900 (3.9%) $173,883 (-0.7%) 0.00 416
2018-08-01 $134,900 (3.9%) $174,730 (-6.4%) 0.00 424
2018-09-01 $135,000 (3.9%) $176,761 (-5.7%) 0.00 435
2018-10-01 $134,500 (3.5%) $167,507 (-11.4%) 0.00 450
2018-11-01 $134,500 (3.7%) $171,935 (-7.4%) 0.00 445
2018-12-01 $129,000 (0.1%) $165,987 (-10.9%) 0.00 431
2019-01-01 $119,900 (-7.0%) $163,278 (-12.4%) 0.00 404
2019-02-01 $117,200 (-9.8%) $162,281 (-13.7%) 0.00 365
2019-03-01 $110,614 (-23.7%) $160,958 (-15.6%) 0.00 345
2019-04-01 $106,164 (-20.9%) $160,876 (-14.8%) 0.00 322
2019-05-01 $109,950 (-15.4%) $168,354 (-7.2%) 0.00 312
2019-06-01 $120,000 (-7.6%) $170,982 (-4.5%) 0.00 356
2019-07-01 $129,950 (0.0%) $174,104 (0.1%) 0.00 375
2019-08-01 $132,086 (-2.1%) $175,163 (0.3%) 0.00 379
2019-09-01 $135,000 (0.0%) $178,207 (0.8%) 0.00 373
2019-10-01 $139,900 (4.0%) $183,574 (9.6%) 0.00 369
2019-11-01 $125,000 (-7.1%) $174,367 (1.4%) 0.00 360
2019-12-01 $122,400 (-5.1%) $173,291 (4.4%) 0.00 343
2020-01-01 $115,000 (-4.1%) $169,387 (3.7%) 0.00 310
2020-02-01 $110,000 (-6.1%) $168,940 (4.1%) 0.00 276
2020-03-01 $129,900 (17.4%) $193,675 (20.3%) 0.00 262
2020-04-01 $130,950 (23.4%) $190,195 (18.2%) 0.00 237
2020-05-01 $149,950 (36.4%) $207,558 (23.3%) 0.00 232
2020-06-01 $167,500 (39.6%) $210,282 (23.0%) 0.00 204
2020-07-01 $155,000 (19.3%) $213,244 (22.5%) 0.00 189
2020-08-01 $139,000 (5.2%) $219,766 (25.5%) 0.00 182
2020-09-01 $122,500 (-9.3%) $209,883 (17.8%) 0.00 195
2020-10-01 $119,900 (-14.3%) $194,970 (6.2%) 0.00 196
2020-11-01 $119,750 (-4.2%) $182,854 (4.9%) 0.00 194
2020-12-01 $122,394 (0.0%) $177,500 (2.4%) 0.00 196
2021-01-01 $115,000 (0.0%) $177,031 (4.5%) 0.00 161
2021-02-01 $123,963 (12.7%) $182,711 (8.2%) 0.00 137
2021-03-01 $124,450 (-4.2%) $180,060 (-7.0%) 0.00 124
2021-04-01 $118,900 (-9.2%) $168,988 (-11.2%) 0.00 100
2021-05-01 $119,900 (-20.0%) $186,916 (-10.0%) 0.00 119
2021-06-01 $117,950 (-29.6%) $185,728 (-11.7%) 0.00 138
2021-07-01 $122,400 (-21.0%) $191,998 (-10.0%) 0.00 174
2021-08-01 $119,700 (-13.9%) $185,069 (-15.8%) 0.00 188
2021-09-01 $112,600 (-8.1%) $169,428 (-19.3%) 0.00 204
2021-10-01 $106,500 (-11.2%) $156,582 (-19.7%) 0.00 216
2021-11-01 $102,700 (-14.2%) $149,803 (-18.1%) 0.00 198
2021-12-01 $99,950 (-18.3%) $150,596 (-15.2%) 0.00 171
2022-01-01 $121,900 (6.0%) $151,434 (-14.5%) 0.00 149
2022-02-01 $120,000 (-3.2%) $180,445 (-1.2%) 0.00 125
2022-03-01 $122,450 (-1.6%) $188,404 (4.6%) 0.00 99
2022-04-01 $150,000 (26.2%) $216,798 (28.3%) 0.00 99
2022-05-01 $184,950 (54.3%) $255,330 (36.6%) 0.00 107
ST. JOSEPH's median listing price for 2022-05-01 was $184,950, a difference of $65,050 (54.3%) versus the prior year and $34,950 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 2022-05-01 was $255,330, a difference of $68,414 (36.6%) versus the prior year and $38,532 versus the prior month.

For the 2022-05-01 period, ST. JOSEPH had 107 MLS listings, a difference of 8 listings (8%) versus the prior month and -12 listings (-10%) 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 1,899 sqft
2018-02-01 0 days 1,900 sqft
2018-03-01 0 days 1,956 sqft
2018-04-01 0 days 1,900 sqft
2018-05-01 0 days 1,861 sqft
2018-06-01 0 days 1,872 sqft
2018-07-01 0 days 1,800 sqft
2018-08-01 0 days 1,813 sqft
2018-09-01 0 days 1,800 sqft
2018-10-01 0 days 1,684 sqft
2018-11-01 0 days 1,677 sqft
2018-12-01 0 days 1,650 sqft
2019-01-01 0 days 1,637 sqft
2019-02-01 0 days 1,614 sqft
2019-03-01 0 days 1,593 sqft
2019-04-01 0 days 1,560 sqft
2019-05-01 0 days 1,613 sqft
2019-06-01 0 days 1,608 sqft
2019-07-01 0 days 1,652 sqft
2019-08-01 0 days 1,647 sqft
2019-09-01 0 days 1,640 sqft
2019-10-01 0 days 1,730 sqft
2019-11-01 0 days 1,652 sqft
2019-12-01 0 days 1,613 sqft
2020-01-01 0 days 1,593 sqft
2020-02-01 0 days 1,512 sqft
2020-03-01 0 days 1,729 sqft
2020-04-01 0 days 1,700 sqft
2020-05-01 0 days 1,750 sqft
2020-06-01 0 days 1,742 sqft
2020-07-01 0 days 1,700 sqft
2020-08-01 0 days 1,678 sqft
2020-09-01 0 days 1,569 sqft
2020-10-01 0 days 1,576 sqft
2020-11-01 0 days 1,540 sqft
2020-12-01 0 days 1,521 sqft
2021-01-01 0 days 1,560 sqft
2021-02-01 0 days 1,555 sqft
2021-03-01 0 days 1,523 sqft
2021-04-01 0 days 1,500 sqft
2021-05-01 0 days 1,550 sqft
2021-06-01 0 days 1,467 sqft
2021-07-01 0 days 1,482 sqft
2021-08-01 0 days 1,521 sqft
2021-09-01 0 days 1,489 sqft
2021-10-01 0 days 1,440 sqft
2021-11-01 0 days 1,325 sqft
2021-12-01 0 days 1,337 sqft
2022-01-01 0 days 1,308 sqft
2022-02-01 0 days 1,316 sqft
2022-03-01 0 days 1,419 sqft
2022-04-01 0 days 1,567 sqft
2022-05-01 0 days 1,749 sqft
ST. JOSEPH's median listing age (time on market) for 2022-05-01 was 0 days.

ST. JOSEPH's median square footage for active listings during the 2022-05-01 period was 1,749 sqft. One year prior, the average listing was 1,550 sqft.