West Plains Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in West Plains averaged 6.92% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

    The average rate for the prior week (2023-09-14) was 6.71% and one month ago for the week of 2023-08-17, the average rate was 6.62%.

    West Plains's average rate one year ago was 5.85%.

    For refis of the same type during the week of 2023-09-21, the average rate was 7.29%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-09-21 7.19%
    West Plains 30 Year Fixed Rate 2023-09-21 6.92%
    West Plains 30 Year Fixed Rate Refi 2023-09-21 7.29%
    West Plains 15 Year Fixed Rate 2023-09-21 6.74%
    West Plains 15 Year Fixed Rate Refi 2023-09-21 6.74%
    West Plains 30 Year FHA 2023-09-21 7.14%
    West Plains 30 Year FHA Refi 2023-09-21 6.94%
    West Plains 30 Year USDA 2023-09-21 7.02%
    West Plains 30 Year USDA Refi 2023-09-21 7.02%
    West Plains 30 Year VA 2023-09-21 6.92%
    West Plains 30 Year VA Refi 2023-09-21 6.92%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within West Plains, MO.

    West Plains 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 West Plains, MO market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Southern Bank 45 5.34% $1,579
    DAS Acquisition Company, LLC 37 5.35% $3,860
    QUICKEN LOANS, LLC 19 4.96% $6,316
    Simmons Bank 10 4.38% $2,996
    PRIMELENDING, A PLAINSCAPITAL COMPANY 7 5.62% $3,282
    FLAT BRANCH MORTGAGE, INC. 5 5.45% $3,242
    GERSHMAN INVESTMENT CORP. 5 5.18% $3,045
    Arvest Bank 5 4.83% $3,267
    Wood & Huston Bank 5 5.40% $1,986
    PENNYMAC LOAN SERVICES, LLC 4 5.00% $4,736
    Great Southern Bank 4 4.49% $2,125
    Mr. Cooper ( Nationstar Mortgage ) 4 4.50% $9,791
    Wells Fargo Bank 4 4.16% $1,807
    Regions Bank 3 3.96% $2,683
    U.S. Bank 3 5.25% $3,139
    FirstTrust Home Loans, Inc. 3 4.96% $3,009
    Plains Commerce Bank 3 4.33% $4,329
    BROKER SOLUTIONS, INC. 3 5.37% $5,269
    The Central Trust Bank 2 5.69% $3,655
    Mortgage Research Center, LLC 2 5.13% $5,785
    TJC Mortgage, Inc. 2 4.06% $2,752
    UNION HOME MORTGAGE CORP. 2 4.56% $3,684
    HOMESIDE FINANCIAL, LLC 2 4.25% $4,438
    AMERISAVE MORTGAGE CORPORATION 2 6.25% $4,370
    CHURCHILL MORTGAGE CORPORATION 2 4.50% $3,375
    GUILD MORTGAGE COMPANY 2 4.81% $2,572
    M&T Bank 2 4.88% $4,073
    Bank of America 2 4.13% $3,889
    PLANET HOME LENDING, LLC 1 2.88% $2,224
    Prosperity Home Mortgage, LLC 1 5.50% $2,143
    The Huntington National Bank 1 4.95% $5,121
    TOGETHER CREDIT UNION 1 2.93% $2,224
    AMERICAN FINANCING CORPORATION 1 4.99% $4,161
    Wyndham Capital Mortgage, Inc. 1 4.50% $520
    ASSEMBLIES OF GOD Credit Union 1 6.13% $7,260
    BancorpSouth 1 4.13% $2,289
    Bank of England 1 4.38% $4,541
    Boeing Employees Credit Union 1 6.25% $2,476
    CALIBER HOME LOANS, INC. 1 3.65% $8,863
    Centennial Bank 1 5.00% $4,707
    CITIZENS EQUITY FIRST 1 3.63% $2,222
    Evolve Bank & Trust 1 3.25% $3,026
    FCS Financial FLCA 1 7.00% $2,207
    First Guaranty Mortgage Corporation 1 3.63% $2,673
    First National Bank of America 1 6.63% $6,007
    First National Bank of Omaha 1 5.38% $3,396
    FREEDOM MORTGAGE CORPORATION 1 3.38% $2,858
    GUARANTEED RATE, INC. 1 5.88% $3,149
    GUIDANCE RESIDENTIAL, LLC 1 6.88% $3,055
    KELLER MORTGAGE, LLC 1 3.50% $5,235
    LAKEVIEW LOAN SERVICING, LLC 1 6.88% $5,159
    LOANDEPOT.COM, LLC 1 2.75% $5,903
    LOANPAL, LLC 1 3.99% $5,437
    MEGASTAR FINANCIAL CORP. 1 3.38% $3,540
    MISSOURI ELECTRIC COOPERATIVES EMPL 1 3.25% $2,241
    NASA Federal Credit Union 1 5.50% $3,155
    NAVY FEDERAL CREDIT UNION 1 4.75% $2,326
    NEWREZ LLC 1 4.88% $6,077
    Oakstar Bank 1 5.50% $1,592
    Old National Bank 1 5.25% $2,988
    PHH Mortgage Corporation 1 4.00% $5,319

    West Plains Average Closing Costs & Other Stats

    West Plains, MO's 61 lenders originated 633 loans during 2022. The total origination value was $99,935,000, with an average loan value of $157,875.

    West Plains's average closing costs are $3,602.

    The top West Plains lender as defined by loan originations is Southern Bank, with 45 loans originated. Their average total fees are $1,579, which is $2,281 lower than the next largest lender, DAS Acquisition Company, LLC.

    The lowest fee West Plains lenders (with over 10 loans originated) are Southern Bank ($1,579), Simmons Bank ($2,996), DAS Acquisition Company, LLC ($3,860), QUICKEN LOANS, LLC ($6,316) and .

    The lowest rate West Plains lenders (with over 10 loans originated) are Simmons Bank (4.38%), QUICKEN LOANS, LLC (4.96%), Southern Bank (5.34%), DAS Acquisition Company, LLC (5.35%) and .

    West Plains, MO 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
    DAS Acquisition Company, LLC $7,700,000 $14,965,000 94.4% 15.0%
    Southern Bank $14,585,000 $13,500,000 -7.4% 13.5%
    QUICKEN LOANS, LLC $14,870,000 $8,770,000 -41.0% 8.8%
    MID AMERICA MORTGAGE, INC. $2,100,000 $5,800,000 176.2% 5.8%
    Mortgage Research Center, LLC $3,570,000 $4,385,000 22.8% 4.4%
    Simmons Bank $11,290,000 $3,575,000 -68.3% 3.6%
    Wood & Huston Bank $2,110,000 $2,430,000 15.2% 2.4%
    TJC Mortgage, Inc. $530,000 $2,275,000 329.2% 2.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $7,380,000 $2,070,000 -72.0% 2.1%
    GERSHMAN INVESTMENT CORP. $3,415,000 $1,955,000 -42.8% 2.0%
    Arvest Bank $5,250,000 $1,630,000 -69.0% 1.6%
    U.S. Bank $3,150,000 $1,615,000 -48.7% 1.6%
    FREEDOM MORTGAGE CORPORATION $5,530,000 $1,530,000 -72.3% 1.5%
    Great Southern Bank $1,560,000 $1,465,000 -6.1% 1.5%
    PENNYMAC LOAN SERVICES, LLC $1,130,000 $1,445,000 27.9% 1.4%
    LOANDEPOT.COM, LLC $1,525,000 $1,400,000 -8.2% 1.4%
    FLAT BRANCH MORTGAGE, INC. $2,775,000 $1,255,000 -54.8% 1.3%
    AMERISAVE MORTGAGE CORPORATION $1,215,000 $1,130,000 -7.0% 1.1%
    Wells Fargo Bank $1,885,000 $1,090,000 -42.2% 1.1%
    Mr. Cooper ( Nationstar Mortgage ) $1,170,000 $1,025,000 -12.4% 1.0%
    GUILD MORTGAGE COMPANY $2,665,000 $805,000 -69.8% 0.8%
    NAVY FEDERAL CREDIT UNION $1,815,000 $805,000 -55.6% 0.8%
    Bank of America $230,000 $800,000 247.8% 0.8%
    Barrington Bank & Trust Company, N.A. $235,000 $795,000 238.3% 0.8%
    FirstTrust Home Loans, Inc. $725,000 n/a 0.7%
    HOMESIDE FINANCIAL, LLC $700,000 $715,000 2.1% 0.7%
    NEW DAY FINANCIAL, LLC $860,000 $690,000 -19.8% 0.7%
    North American Savings Bank, F.S.B. $650,000 n/a 0.7%
    BROKER SOLUTIONS, INC. $425,000 $605,000 42.4% 0.6%
    Ameris Bank $590,000 n/a 0.6%
    MISSOURI ELECTRIC COOPERATIVES EMPL $705,000 $575,000 -18.4% 0.6%
    CHURCHILL MORTGAGE CORPORATION $760,000 $560,000 -26.3% 0.6%
    Equity Prime Mortgage LLC $95,000 $560,000 489.5% 0.6%
    VILLAGE CAPITAL MORTGAGE $400,000 $545,000 36.3% 0.5%
    FIRST INTEGRITY MORTGAGE SERVICES, INC. $1,925,000 $525,000 -72.7% 0.5%
    PHH Mortgage Corporation $525,000 n/a 0.5%
    M&T Bank $505,000 n/a 0.5%
    Regions Bank $365,000 $485,000 32.9% 0.5%
    Bank of England $475,000 $455,000 -4.2% 0.5%
    The Huntington National Bank $425,000 n/a 0.4%
    UNION HOME MORTGAGE CORP. $1,570,000 $415,000 -73.6% 0.4%
    FNBC Bank $405,000 n/a 0.4%
    KELLER MORTGAGE, LLC $405,000 n/a 0.4%
    PLANET HOME LENDING, LLC $920,000 $405,000 -56.0% 0.4%
    The Central Trust Bank $515,000 $400,000 -22.3% 0.4%
    Centennial Bank $390,000 n/a 0.4%
    Paramount Residential Mortgage Group, Inc. $385,000 n/a 0.4%
    Plains Commerce Bank $5,110,000 $385,000 -92.5% 0.4%
    First Bank $375,000 n/a 0.4%
    UNITED WHOLESALE MORTGAGE, LLC $330,000 $370,000 12.1% 0.4%
    21ST MORTGAGE CORPORATION $380,000 $360,000 -5.3% 0.4%
    LOANPAL, LLC $355,000 n/a 0.4%
    American Airlines Federal Credit Union $345,000 n/a 0.3%
    Evolve Bank & Trust $345,000 n/a 0.3%
    PNC Bank $485,000 $340,000 -29.9% 0.3%
    REVERSE MORTGAGE FUNDING LLC $340,000 n/a 0.3%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $335,000 n/a 0.3%
    Old National Bank $315,000 n/a 0.3%
    Servion, Inc. $145,000 $315,000 117.2% 0.3%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $640,000 $310,000 -51.6% 0.3%
    BancorpSouth Bank $290,000 n/a 0.3%
    CALIBER HOME LOANS, INC. $375,000 $275,000 -26.7% 0.3%
    Magnolia Bank $240,000 $275,000 14.6% 0.3%
    ASSEMBLIES OF GOD Credit Union $245,000 n/a 0.2%
    First National Bank of Omaha $245,000 n/a 0.2%
    MEGASTAR FINANCIAL CORP. $245,000 n/a 0.2%
    Mid-Missouri Bank $65,000 $245,000 276.9% 0.2%
    Wyndham Capital Mortgage, Inc. $245,000 n/a 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $225,000 n/a 0.2%
    BAYSHORE MORTGAGE FUNDING, LLC $195,000 $225,000 15.4% 0.2%
    KeyBank $215,000 n/a 0.2%
    NEWREZ LLC $250,000 $215,000 -14.0% 0.2%
    Nations Lending Corporation $205,000 n/a 0.2%
    Carrington Mortgage Services, LLC $375,000 $200,000 -46.7% 0.2%
    First Guaranty Mortgage Corporation $125,000 $200,000 60.0% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $365,000 $200,000 -45.2% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $280,000 $195,000 -30.4% 0.2%
    Old Missouri Bank $905,000 $195,000 -78.5% 0.2%
    GUIDANCE RESIDENTIAL, LLC $185,000 n/a 0.2%
    JPMorgan Chase Bank $855,000 $180,000 -78.9% 0.2%
    GUARANTEED RATE, INC. $540,000 $175,000 -67.6% 0.2%
    Prosperity Home Mortgage, LLC $175,000 n/a 0.2%
    CITIZENS EQUITY FIRST $85,000 $165,000 94.1% 0.2%
    Hometown National Bank $155,000 n/a 0.2%
    FCS Financial FLCA $255,000 $145,000 -43.1% 0.1%
    First National Bank of America $145,000 n/a 0.1%
    TOGETHER CREDIT UNION $145,000 n/a 0.1%
    NASA Federal Credit Union $135,000 n/a 0.1%
    ATLANTA POSTAL $125,000 n/a 0.1%
    MISSOURI Credit Union $145,000 $125,000 -13.8% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $115,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $595,000 $105,000 -82.4% 0.1%
    Stockmens Bank $105,000 n/a 0.1%
    AMERICAN ADVISORS GROUP $80,000 $95,000 18.8% 0.1%
    JAMES B. NUTTER & COMPANY $95,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $95,000 n/a 0.1%
    HomePride Bank $85,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $620,000 $75,000 -87.9% 0.1%
    Flagstar Bank, FSB $900,000 $65,000 -92.8% 0.1%
    Boeing Employees Credit Union $55,000 n/a 0.1%
    Oakstar Bank $55,000 n/a 0.1%
    BOKF $225,000 $25,000 -88.9% 0.0%
    Commerce Bank $235,000 $25,000 -89.4% 0.0%

    West Plains's top lender by overall market share is DAS Acquisition Company, LLC, with 15.0% market share. In second place, with 13.5%, is Southern Bank, having originated $13,500,000 in loans. In third place, with 8.8%, is QUICKEN LOANS, LLC, having originated $8,770,000 in loans. In fourth place, with 5.8%, is MID AMERICA MORTGAGE, INC., having originated $5,800,000 in loans. In fifth place, with 4.4%, is Mortgage Research Center, LLC, having originated $4,385,000 in loans.

    West Plains Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - West Plains (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 $134,950 (5.8%) $206,951 (15.4%) 0.00 305
    2018-02-01 $139,900 (8.8%) $198,616 (8.8%) 0.00 304
    2018-03-01 $141,450 (8.9%) $201,947 (11.7%) 0.00 294
    2018-04-01 $146,225 (12.5%) $198,151 (5.2%) 0.00 293
    2018-05-01 $143,475 (3.2%) $195,302 (1.4%) 0.00 283
    2018-06-01 $139,900 (0.0%) $196,155 (1.8%) 0.00 282
    2018-07-01 $144,900 (4.2%) $201,991 (6.1%) 0.00 283
    2018-08-01 $139,974 (-0.7%) $194,040 (-0.2%) 0.00 283
    2018-09-01 $144,900 (3.6%) $195,188 (-2.5%) 0.00 292
    2018-10-01 $145,875 (7.0%) $196,388 (0.7%) 0.00 283
    2018-11-01 $140,725 (0.6%) $196,881 (-1.2%) 0.00 278
    2018-12-01 $139,900 (0.3%) $194,701 (-4.7%) 0.00 256
    2019-01-01 $141,475 (4.8%) $194,153 (-6.2%) 0.00 243
    2019-02-01 $142,250 (1.7%) $193,503 (-2.6%) 0.00 249
    2019-03-01 $149,850 (5.9%) $208,209 (3.1%) 0.00 244
    2019-04-01 $158,175 (8.2%) $223,264 (12.7%) 0.00 238
    2019-05-01 $159,687 (11.3%) $227,725 (16.6%) 0.00 248
    2019-06-01 $159,900 (14.3%) $228,664 (16.6%) 0.00 260
    2019-07-01 $158,950 (9.7%) $228,397 (13.1%) 0.00 262
    2019-08-01 $159,050 (13.6%) $227,386 (17.2%) 0.00 259
    2019-09-01 $159,275 (9.9%) $227,461 (16.5%) 0.00 261
    2019-10-01 $159,675 (9.5%) $229,057 (16.6%) 0.00 256
    2019-11-01 $159,900 (13.6%) $218,399 (10.9%) 0.00 249
    2019-12-01 $159,900 (14.3%) $218,680 (12.3%) 0.00 238
    2020-01-01 $159,900 (13.0%) $219,551 (13.1%) 0.00 231
    2020-02-01 $165,450 (16.3%) $223,492 (15.5%) 0.00 225
    2020-03-01 $169,900 (13.4%) $234,105 (12.4%) 0.00 232
    2020-04-01 $174,788 (10.5%) $232,856 (4.3%) 0.00 227
    2020-05-01 $175,450 (9.9%) $237,153 (4.1%) 0.00 217
    2020-06-01 $167,400 (4.7%) $235,177 (2.9%) 0.00 213
    2020-07-01 $175,000 (10.1%) $239,806 (5.0%) 0.00 194
    2020-08-01 $194,900 (22.5%) $247,938 (9.0%) 0.00 177
    2020-09-01 $199,900 (25.5%) $260,709 (14.6%) 0.00 144
    2020-10-01 $184,900 (15.8%) $258,539 (12.9%) 0.00 138
    2020-11-01 $166,950 (4.4%) $257,458 (17.9%) 0.00 146
    2020-12-01 $166,900 (4.4%) $285,921 (30.8%) 0.00 135
    2021-01-01 $169,200 (5.8%) $271,090 (23.5%) 0.00 120
    2021-02-01 $159,900 (-3.4%) $257,735 (15.3%) 0.00 101
    2021-03-01 $166,200 (-2.2%) $261,274 (11.6%) 0.00 95
    2021-04-01 $191,200 (9.4%) $319,913 (37.4%) 0.00 84
    2021-05-01 $198,500 (13.1%) $323,517 (36.4%) 0.00 93
    2021-06-01 $185,000 (10.5%) $374,920 (59.4%) 0.00 96
    2021-07-01 $243,700 (39.3%) $378,196 (57.7%) 0.00 109
    2021-08-01 $254,925 (30.8%) $388,508 (56.7%) 0.00 115
    2021-09-01 $211,975 (6.0%) $357,616 (37.2%) 0.00 137
    2021-10-01 $237,400 (28.4%) $390,030 (50.9%) 0.00 109
    2021-11-01 $242,400 (45.2%) $401,768 (56.1%) 0.00 110
    2021-12-01 $262,025 (57.0%) $427,312 (49.5%) 0.00 103
    2022-01-01 $207,450 (22.6%) $404,635 (49.3%) 0.00 92
    2022-02-01 $202,450 (26.6%) $405,115 (57.2%) 0.00 89
    2022-03-01 $199,900 (20.3%) $408,822 (56.5%) 0.00 85
    2022-04-01 $204,450 (6.9%) $405,771 (26.8%) 0.00 91
    2022-05-01 $264,625 (33.3%) $425,703 (31.6%) 0.00 95
    2022-06-01 $277,175 (49.8%) $380,071 (1.4%) 0.00 99
    2022-07-01 $317,050 (30.1%) $384,711 (1.7%) 0.00 121
    2022-08-01 $305,500 (19.8%) $377,013 (-3.0%) 0.00 136
    2022-09-01 $281,550 (32.8%) $381,885 (6.8%) 0.00 138
    2022-10-01 $275,000 (15.8%) $353,669 (-9.3%) 0.00 164
    2022-11-01 $261,175 (7.8%) $345,252 (-14.1%) 0.00 170
    2022-12-01 $249,900 (-4.6%) $338,352 (-20.8%) 0.00 166
    2023-01-01 $251,175 (21.1%) $353,719 (-12.6%) 0.00 150
    2023-02-01 $259,950 (28.4%) $369,756 (-8.7%) 0.00 138
    2023-03-01 $275,000 (37.6%) $388,567 (-5.0%) 0.00 128
    2023-04-01 $279,900 (36.9%) $416,980 (2.8%) 0.00 124
    2023-05-01 $278,675 (5.3%) $399,627 (-6.1%) 0.00 125
    2023-06-01 $268,675 (-3.1%) $376,612 (-0.9%) 0.00 131
    2023-07-01 $269,900 (-14.9%) $388,043 (0.9%) 0.00 124
    2023-08-01 $254,450 (-16.7%) $380,257 (0.9%) 0.00 131
    West Plains's median listing price for 2023-08-01 was $254,450, a difference of $-51,050 (-16.7%) versus the prior year and $-15,450 versus the prior month.

    West Plains's median listing price comes in at 0% of the national average.

    West Plains's average listing price for 2023-08-01 was $380,257, a difference of $3,244 (0.9%) versus the prior year and $-7,786 versus the prior month.

    For the 2023-08-01 period, West Plains had 131 MLS listings, a difference of 7 listings (6%) versus the prior month and -5 listings (-4%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - West Plains (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,014 sqft
    2018-02-01 0 days 2,022 sqft
    2018-03-01 0 days 2,111 sqft
    2018-04-01 0 days 2,123 sqft
    2018-05-01 0 days 2,125 sqft
    2018-06-01 0 days 2,200 sqft
    2018-07-01 0 days 2,192 sqft
    2018-08-01 0 days 2,022 sqft
    2018-09-01 0 days 1,988 sqft
    2018-10-01 0 days 1,967 sqft
    2018-11-01 0 days 1,854 sqft
    2018-12-01 0 days 1,776 sqft
    2019-01-01 0 days 1,782 sqft
    2019-02-01 0 days 1,793 sqft
    2019-03-01 0 days 1,809 sqft
    2019-04-01 0 days 1,833 sqft
    2019-05-01 0 days 1,986 sqft
    2019-06-01 0 days 1,980 sqft
    2019-07-01 0 days 1,889 sqft
    2019-08-01 0 days 1,907 sqft
    2019-09-01 0 days 1,959 sqft
    2019-10-01 0 days 2,040 sqft
    2019-11-01 0 days 2,039 sqft
    2019-12-01 0 days 2,008 sqft
    2020-01-01 0 days 1,988 sqft
    2020-02-01 0 days 2,000 sqft
    2020-03-01 0 days 2,043 sqft
    2020-04-01 0 days 2,034 sqft
    2020-05-01 0 days 2,000 sqft
    2020-06-01 0 days 1,984 sqft
    2020-07-01 0 days 1,983 sqft
    2020-08-01 0 days 2,084 sqft
    2020-09-01 0 days 2,116 sqft
    2020-10-01 0 days 2,025 sqft
    2020-11-01 0 days 1,878 sqft
    2020-12-01 0 days 1,900 sqft
    2021-01-01 0 days 1,909 sqft
    2021-02-01 0 days 1,876 sqft
    2021-03-01 0 days 1,725 sqft
    2021-04-01 0 days 1,880 sqft
    2021-05-01 0 days 2,000 sqft
    2021-06-01 0 days 1,993 sqft
    2021-07-01 0 days 2,000 sqft
    2021-08-01 0 days 2,173 sqft
    2021-09-01 0 days 1,917 sqft
    2021-10-01 0 days 2,000 sqft
    2021-11-01 0 days 2,000 sqft
    2021-12-01 0 days 1,800 sqft
    2022-01-01 0 days 1,670 sqft
    2022-02-01 0 days 1,800 sqft
    2022-03-01 0 days 1,823 sqft
    2022-04-01 0 days 1,900 sqft
    2022-05-01 0 days 2,144 sqft
    2022-06-01 0 days 1,997 sqft
    2022-07-01 0 days 2,049 sqft
    2022-08-01 0 days 1,983 sqft
    2022-09-01 0 days 2,012 sqft
    2022-10-01 0 days 2,016 sqft
    2022-11-01 0 days 1,986 sqft
    2022-12-01 0 days 1,902 sqft
    2023-01-01 0 days 1,896 sqft
    2023-02-01 0 days 1,900 sqft
    2023-03-01 0 days 2,011 sqft
    2023-04-01 0 days 2,074 sqft
    2023-05-01 0 days 1,999 sqft
    2023-06-01 0 days 1,971 sqft
    2023-07-01 0 days 2,053 sqft
    2023-08-01 0 days 2,053 sqft
    West Plains's median listing age (time on market) for 2023-08-01 was 0 days.

    West Plains's median square footage for active listings during the 2023-08-01 period was 2,053 sqft. One year prior, the average listing was 1,983 sqft.

    West Plains, MO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 378 $66,100,000 $174,868
    Cash Out Refi 123 $20,215,000 $164,350
    Refi 73 $9,865,000 $135,137
    Home Improvement 43 $2,545,000 $59,186
    Other 16 $1,210,000 $75,625

    West Plains's most frequently cited loan purpose was Home Purchase, with 378 originations. The 2nd most popular reason was Cash Out Refi, with 123 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 171 $27,055,000 $158,216
    4-5% 160 $25,660,000 $160,375
    3-4% 145 $22,175,000 $152,931
    6-7% 88 $13,630,000 $154,886
    2.5-3% 31 $6,595,000 $212,742
    7-8% 20 $2,470,000 $123,500
    Over 8% 5 $285,000 $57,000
    <2.5% 5 $875,000 $175,000

    During 2022, West Plains's most frequently originated rate bucket was 5-6%, with 171 originations.

    Loan Sizing (West Plains, MO MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 263 $38,315,000 $145,684
    $100,000 or less 197 $12,695,000 $64,442
    $200k-400k 155 $40,815,000 $263,323
    $400k-600k 18 $8,110,000 $450,556

    West Plains's loan sizing saw the bucket of loans from $100k-200k with 263 originations, totaling $38,315,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 310 $56,740,000 $183,032
    60-80% 159 $25,875,000 $162,736
    40-60% 66 $9,850,000 $149,242
    20-40% 46 $3,590,000 $78,043
    Under 20% 38 $1,310,000 $34,474
    Over 100% 5 $1,155,000 $231,000

    West Plains's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 310 originations, totaling $56,740,000 in origination value.