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.).
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.
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'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)
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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 | $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.