West Plains Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in West Plains averaged 6.55% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.86% and one month ago for the week of 2025-02-27, the average rate was 6.97%.

    West Plains's average rate one year ago was 6.9%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.54%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    West Plains 30 Year Fixed Rate 2025-04-03 6.55%
    West Plains 30 Year Fixed Rate Refi 2025-04-03 6.54%
    West Plains 15 Year Fixed Rate 2025-04-03 6.02%
    West Plains 15 Year Fixed Rate Refi 2025-04-03 5.92%
    West Plains 30 Year FHA 2025-04-03 6.16%
    West Plains 30 Year FHA Refi 2025-04-03 6.16%
    West Plains 30 Year USDA 2025-04-03 6.32%
    West Plains 30 Year USDA Refi 2025-04-03 6.42%
    West Plains 30 Year VA 2025-04-03 5.86%
    West Plains 30 Year VA Refi 2025-04-03 6.06%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    DAS Acquisition Company, LLC 22 6.74% $3,756
    Southern Bank 10 7.19% $2,142
    Simmons Bank 8 7.09% $3,138
    QUICKEN LOANS, LLC 7 7.00% $4,887
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.37% $4,405
    Great Southern Bank 3 6.08% $2,314
    UNITED WHOLESALE MORTGAGE, LLC 3 7.00% $4,196
    JPMorgan Chase Bank 2 6.75% $3,126
    FLAT BRANCH MORTGAGE, INC. 2 7.00% $2,571
    USAA Federal Savings Bank 2 6.88% $2,097
    Mr. Cooper ( Nationstar Mortgage ) 2 6.74% $7,654
    U.S. Bank 2 7.06% $2,891
    GERSHMAN INVESTMENT CORP. 2 6.06% $2,390
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 2 7.06% $2,760
    Arvest Bank 2 6.69% $3,677
    Oakstar Bank 2 6.25% $3,022
    PENNYMAC LOAN SERVICES, LLC 2 6.81% $6,273
    PHH Mortgage Corporation 2 7.31% $5,724
    AMERICAN FINANCIAL NETWORK, INC. 1 6.63% $3,859
    NAVY FEDERAL CREDIT UNION 1 6.75% $1,573
    NBKC BANK 1 6.63% $2,177
    NEWREZ LLC 1 6.99% $5,167
    Texana Bank 1 7.63% $5,744
    The Bank of Missouri 1 6.74% $2,678
    TOWNE MORTGAGE COMPANY 1 6.63% $7,622
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.88% $8,230
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.63% $5,744
    ASSEMBLIES OF GOD Credit Union 1 6.62% $3,752
    Baxter Credit Union 1 6.38% $2,637
    BROKER SOLUTIONS, INC. 1 7.38% $3,428
    CITIZENS EQUITY FIRST 1 6.88% $0
    Discover Bank 1 6.49% $0
    EVERETT FINANCIAL, INC. 1 6.38% $4,873
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.63% $2,635
    FBC MORTGAGE, LLC 1 6.88% $5,602
    FCS Financial FLCA 1 7.95% $3,646
    First Horizon Bank 1 7.13% $3,199
    First State Community Bank 1 8.50% $469
    FREEDOM MORTGAGE CORPORATION 1 7.25% $7,248
    GUARANTEED RATE, INC. 1 6.88% $5,521
    GUILD MORTGAGE COMPANY 1 6.99% $3,034
    LOANDEPOT.COM, LLC 1 6.63% $7,368
    Mortgage Research Center, LLC 1 7.63% $1,232

    West Plains Average Closing Costs & Other Stats

    West Plains, MO's 43 lenders originated 466 loans during 2024. The total origination value was $83,670,000, with an average loan value of $179,549.

    West Plains's average closing costs are $3,939.

    The top West Plains lender as defined by loan originations is DAS Acquisition Company, LLC, with 22 loans originated. Their average total fees are $3,756, which is $1,614 higher than the next largest lender, Southern Bank.

    The lowest fee West Plains lenders (with over 10 loans originated) are Southern Bank ($2,142), DAS Acquisition Company, LLC ($3,756), .

    The lowest rate West Plains lenders (with over 10 loans originated) are DAS Acquisition Company, LLC (6.74%), Southern Bank (7.19%), .

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    MID AMERICA MORTGAGE, INC. $9,700,000 $14,005,000 44.4% 16.7%
    Southern Bank $7,820,000 $9,835,000 25.8% 11.8%
    DAS Acquisition Company, LLC $12,135,000 $9,445,000 -22.2% 11.3%
    FREEDOM MORTGAGE CORPORATION $870,000 $4,140,000 375.9% 4.9%
    Mortgage Research Center, LLC $3,570,000 $4,080,000 14.3% 4.9%
    Simmons Bank $1,985,000 $3,730,000 87.9% 4.5%
    QUICKEN LOANS, LLC $4,165,000 $3,025,000 -27.4% 3.6%
    Wood & Huston Bank $845,000 $2,115,000 150.3% 2.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $2,585,000 $1,640,000 -36.6% 2.0%
    UNITED WHOLESALE MORTGAGE, LLC $880,000 $1,450,000 64.8% 1.7%
    GERSHMAN INVESTMENT CORP. $1,560,000 $1,335,000 -14.4% 1.6%
    VILLAGE CAPITAL MORTGAGE $265,000 $1,295,000 388.7% 1.5%
    FCS Financial FLCA $1,190,000 n/a 1.4%
    FNBC Bank $1,190,000 $1,145,000 -3.8% 1.4%
    PENNYMAC LOAN SERVICES, LLC $865,000 $1,060,000 22.5% 1.3%
    Mr. Cooper ( Nationstar Mortgage ) $125,000 $955,000 664.0% 1.1%
    Old Missouri Bank $2,390,000 $870,000 -63.6% 1.0%
    AMERICAN FINANCIAL RESOURCES, INC. $825,000 n/a 1.0%
    FLAT BRANCH MORTGAGE, INC. $805,000 $800,000 -0.6% 1.0%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $315,000 $775,000 146.0% 0.9%
    Flagstar Bank, FSB $860,000 $765,000 -11.0% 0.9%
    Arvest Bank $1,120,000 $725,000 -35.3% 0.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $145,000 $720,000 396.6% 0.9%
    U.S. Bank $645,000 $645,000 0.0% 0.8%
    ZILLOW HOME LOANS, LLC $225,000 $630,000 180.0% 0.8%
    Equity Prime Mortgage LLC $625,000 n/a 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $610,000 n/a 0.7%
    NAVY FEDERAL CREDIT UNION $1,345,000 $600,000 -55.4% 0.7%
    Great Southern Bank $1,275,000 $590,000 -53.7% 0.7%
    LAKEVIEW LOAN SERVICING, LLC $570,000 n/a 0.7%
    FBC MORTGAGE, LLC $555,000 n/a 0.7%
    FIRST INTEGRITY MORTGAGE SERVICES, INC. $495,000 $555,000 12.1% 0.7%
    Texana Bank $545,000 n/a 0.7%
    Servion, Inc. $435,000 $540,000 24.1% 0.6%
    CARDINAL FINANCIAL $185,000 $525,000 183.8% 0.6%
    LOANDEPOT.COM, LLC $280,000 $475,000 69.6% 0.6%
    Carrington Mortgage Services, LLC $430,000 n/a 0.5%
    GUARANTEED RATE, INC. $250,000 $385,000 54.0% 0.5%
    JPMorgan Chase Bank $525,000 $370,000 -29.5% 0.4%
    BROKER SOLUTIONS, INC. $275,000 $365,000 32.7% 0.4%
    Oakstar Bank $235,000 $360,000 53.2% 0.4%
    PHH Mortgage Corporation $350,000 n/a 0.4%
    USAA Federal Savings Bank $75,000 $335,000 346.7% 0.4%
    Barrington Bank & Trust Company, N.A. $310,000 n/a 0.4%
    Baxter Credit Union $140,000 $305,000 117.9% 0.4%
    SUN WEST MORTGAGE COMPANY, INC. $305,000 n/a 0.4%
    TOWNE MORTGAGE COMPANY $305,000 n/a 0.4%
    First Horizon Bank $295,000 n/a 0.4%
    AMERISAVE MORTGAGE CORPORATION $1,240,000 $285,000 -77.0% 0.3%
    LOANPAL, LLC $205,000 $275,000 34.1% 0.3%
    First State Bank of St. Charles, Missouri $265,000 n/a 0.3%
    NBKC BANK $265,000 n/a 0.3%
    AmeriHome Mortgage Company, LLC $255,000 n/a 0.3%
    Carrollton Bank $255,000 n/a 0.3%
    CITIZENS EQUITY FIRST $255,000 n/a 0.3%
    Discover Bank $245,000 $250,000 2.0% 0.3%
    PLANET HOME LENDING, LLC $245,000 n/a 0.3%
    Mid-Continent Funding, Inc. $235,000 n/a 0.3%
    VERIDIAN CREDIT UNION $215,000 n/a 0.3%
    GENEVA FINANCIAL, LLC $205,000 n/a 0.2%
    QUORUM FEDERAL CREDIT UNION $205,000 n/a 0.2%
    The Bank of Missouri $205,000 n/a 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $195,000 n/a 0.2%
    Labette Bank $185,000 $185,000 0.0% 0.2%
    LONGBRIDGE FINANCIAL, LLC $180,000 n/a 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $165,000 n/a 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $75,000 $155,000 106.7% 0.2%
    Plains Commerce Bank $720,000 $145,000 -79.9% 0.2%
    ASSEMBLIES OF GOD Credit Union $285,000 $135,000 -52.6% 0.2%
    The Maries County Bank $135,000 n/a 0.2%
    GUILD MORTGAGE COMPANY $1,450,000 $130,000 -91.0% 0.2%
    Peoples Community Bank $165,000 $125,000 -24.2% 0.1%
    21ST MORTGAGE CORPORATION $195,000 $120,000 -38.5% 0.1%
    Ameris Bank $285,000 $115,000 -59.6% 0.1%
    FINANCE OF AMERICA REVERSE LLC $115,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $580,000 $115,000 -80.2% 0.1%
    EVERETT FINANCIAL, INC. $105,000 n/a 0.1%
    First State Community Bank $95,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $155,000 $85,000 -45.2% 0.1%
    Figure Lending LLC $55,000 $80,000 45.5% 0.1%
    Bank of America $335,000 $75,000 -77.6% 0.1%
    NEWREZ LLC $165,000 $75,000 -54.5% 0.1%
    TOGETHER CREDIT UNION $75,000 n/a 0.1%
    COMMUNITYAMERICA $55,000 n/a 0.1%
    PNC Bank $465,000 $55,000 -88.2% 0.1%
    ALLIANCE CREDIT UNION $35,000 n/a 0.0%

    West Plains's top lender by overall market share is MID AMERICA MORTGAGE, INC., with 16.7% market share. In second place, with 11.8%, is Southern Bank, having originated $9,835,000 in loans. In third place, with 11.3%, is DAS Acquisition Company, LLC, having originated $9,445,000 in loans. In fourth place, with 4.9%, is FREEDOM MORTGAGE CORPORATION, having originated $4,140,000 in loans. In fifth place, with 4.9%, is Mortgage Research Center, LLC, having originated $4,080,000 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 $132,900 (5.7%) $205,692 (16.7%) 0.00 298
    2018-02-01 $139,450 (9.2%) $197,712 (10.2%) 0.00 297
    2018-03-01 $141,450 (8.9%) $201,936 (12.0%) 0.00 287
    2018-04-01 $146,225 (12.6%) $198,508 (5.8%) 0.00 287
    2018-05-01 $144,475 (4.7%) $195,592 (1.7%) 0.00 278
    2018-06-01 $139,950 (0.0%) $196,376 (2.2%) 0.00 279
    2018-07-01 $145,000 (4.3%) $202,700 (6.8%) 0.00 279
    2018-08-01 $144,700 (3.4%) $195,164 (0.9%) 0.00 278
    2018-09-01 $145,000 (3.7%) $196,519 (-1.1%) 0.00 286
    2018-10-01 $146,875 (6.8%) $197,698 (1.6%) 0.00 277
    2018-11-01 $143,950 (2.1%) $198,122 (-0.4%) 0.00 273
    2018-12-01 $139,900 (0.3%) $195,675 (-3.7%) 0.00 252
    2019-01-01 $141,600 (6.6%) $194,478 (-5.5%) 0.00 239
    2019-02-01 $143,825 (3.1%) $194,912 (-1.4%) 0.00 243
    2019-03-01 $150,432 (6.4%) $210,159 (4.1%) 0.00 238
    2019-04-01 $158,788 (8.6%) $225,352 (13.5%) 0.00 232
    2019-05-01 $161,200 (11.6%) $229,898 (17.5%) 0.00 242
    2019-06-01 $159,900 (14.3%) $230,844 (17.6%) 0.00 255
    2019-07-01 $158,950 (9.6%) $229,644 (13.3%) 0.00 258
    2019-08-01 $159,050 (9.9%) $228,726 (17.2%) 0.00 255
    2019-09-01 $159,275 (9.8%) $229,147 (16.6%) 0.00 255
    2019-10-01 $159,675 (8.7%) $231,106 (16.9%) 0.00 250
    2019-11-01 $159,900 (11.1%) $220,249 (11.2%) 0.00 243
    2019-12-01 $159,900 (14.3%) $220,661 (12.8%) 0.00 231
    2020-01-01 $159,900 (12.9%) $221,716 (14.0%) 0.00 224
    2020-02-01 $164,950 (14.7%) $225,095 (15.5%) 0.00 218
    2020-03-01 $169,900 (12.9%) $235,693 (12.2%) 0.00 227
    2020-04-01 $174,900 (10.2%) $234,467 (4.0%) 0.00 223
    2020-05-01 $175,900 (9.1%) $238,872 (3.9%) 0.00 214
    2020-06-01 $168,650 (5.5%) $236,161 (2.3%) 0.00 209
    2020-07-01 $175,000 (10.1%) $240,987 (4.9%) 0.00 190
    2020-08-01 $194,900 (22.5%) $248,812 (8.8%) 0.00 173
    2020-09-01 $199,900 (25.5%) $262,597 (14.6%) 0.00 141
    2020-10-01 $184,900 (15.8%) $254,990 (10.3%) 0.00 136
    2020-11-01 $166,950 (4.4%) $254,142 (15.4%) 0.00 144
    2020-12-01 $168,900 (5.6%) $283,789 (28.6%) 0.00 132
    2021-01-01 $169,900 (6.3%) $272,371 (22.9%) 0.00 119
    2021-02-01 $159,900 (-3.1%) $257,735 (14.5%) 0.00 101
    2021-03-01 $165,950 (-2.3%) $261,253 (10.8%) 0.00 95
    2021-04-01 $187,475 (7.2%) $320,633 (36.8%) 0.00 83
    2021-05-01 $193,750 (10.2%) $324,535 (35.9%) 0.00 92
    2021-06-01 $184,750 (9.6%) $375,674 (59.1%) 0.00 96
    2021-07-01 $247,500 (41.4%) $379,889 (57.6%) 0.00 109
    2021-08-01 $259,900 (33.4%) $390,021 (56.8%) 0.00 114
    2021-09-01 $220,950 (10.5%) $362,506 (38.1%) 0.00 134
    2021-10-01 $244,900 (32.5%) $392,355 (53.9%) 0.00 105
    2021-11-01 $249,950 (49.7%) $406,400 (59.9%) 0.00 105
    2021-12-01 $279,900 (65.7%) $439,180 (54.8%) 0.00 96
    2022-01-01 $225,000 (32.4%) $414,415 (52.2%) 0.00 86
    2022-02-01 $208,675 (30.5%) $411,738 (59.8%) 0.00 85
    2022-03-01 $200,000 (20.5%) $420,086 (60.8%) 0.00 80
    2022-04-01 $225,000 (20.0%) $414,750 (29.4%) 0.00 87
    2022-05-01 $266,725 (37.7%) $432,415 (33.2%) 0.00 91
    2022-06-01 $274,763 (48.7%) $384,942 (2.5%) 0.00 93
    2022-07-01 $319,200 (29.0%) $387,225 (1.9%) 0.00 116
    2022-08-01 $308,200 (18.6%) $379,271 (-2.8%) 0.00 133
    2022-09-01 $286,225 (29.5%) $384,757 (6.1%) 0.00 135
    2022-10-01 $275,000 (12.3%) $355,810 (-9.3%) 0.00 160
    2022-11-01 $262,400 (5.0%) $347,529 (-14.5%) 0.00 167
    2022-12-01 $249,900 (-10.7%) $339,978 (-22.6%) 0.00 164
    2023-01-01 $251,175 (11.6%) $355,710 (-14.2%) 0.00 148
    2023-02-01 $259,950 (24.6%) $372,130 (-9.6%) 0.00 136
    2023-03-01 $275,000 (37.5%) $390,248 (-7.1%) 0.00 127
    2023-04-01 $279,900 (24.4%) $417,988 (0.8%) 0.00 123
    2023-05-01 $277,450 (4.0%) $398,429 (-7.9%) 0.00 125
    2023-06-01 $267,450 (-2.7%) $374,488 (-2.7%) 0.00 132
    2023-07-01 $269,900 (-15.4%) $385,714 (-0.4%) 0.00 124
    2023-08-01 $252,175 (-18.2%) $380,083 (0.2%) 0.00 130
    2023-09-01 $249,900 (-12.7%) $355,060 (-7.7%) 0.00 135
    2023-10-01 $246,725 (-10.3%) $349,749 (-1.7%) 0.00 143
    2023-11-01 $249,925 (-4.8%) $362,677 (4.4%) 0.00 143
    2023-12-01 $245,000 (-2.0%) $355,220 (4.5%) 0.00 148
    2024-01-01 $239,800 (-4.5%) $363,894 (2.3%) 0.00 134
    2024-02-01 $249,900 (-3.9%) $393,468 (5.7%) 0.00 141
    2024-03-01 $249,900 (-9.1%) $372,795 (-4.5%) 0.00 160
    2024-04-01 $257,500 (-8.0%) $368,878 (-11.8%) 0.00 172
    2024-05-01 $249,900 (-9.9%) $374,449 (-6.0%) 0.00 175
    2024-06-01 $246,900 (-7.7%) $357,393 (-4.6%) 0.00 179
    2024-07-01 $245,225 (-9.1%) $344,948 (-10.6%) 0.00 198
    2024-08-01 $249,900 (-0.9%) $349,586 (-8.0%) 0.00 211
    2024-09-01 $258,725 (3.5%) $399,655 (12.6%) 0.00 218
    2024-10-01 $266,950 (8.2%) $410,063 (17.2%) 0.00 230
    2024-11-01 $265,000 (6.0%) $400,367 (10.4%) 0.00 247
    2024-12-01 $272,400 (11.2%) $426,492 (20.1%) 0.00 225
    2025-01-01 $262,450 (9.5%) $420,058 (15.4%) 0.00 218
    2025-02-01 $266,000 (6.4%) $420,051 (6.8%) 0.00 216
    2025-03-01 $254,900 (2.0%) $423,194 (13.5%) 0.00 217
    West Plains's median listing price for 2025-03-01 was $254,900, a difference of $5,000 (2.0%) versus the prior year and $-11,100 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 2025-03-01 was $423,194, a difference of $50,399 (13.5%) versus the prior year and $3,143 versus the prior month.

    For the 2025-03-01 period, West Plains had 217 MLS listings, a difference of 1 listings (0%) versus the prior month and 57 listings (36%) 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 2,000 sqft
    2018-02-01 0 days 2,009 sqft
    2018-03-01 0 days 2,097 sqft
    2018-04-01 0 days 2,109 sqft
    2018-05-01 0 days 2,110 sqft
    2018-06-01 0 days 2,184 sqft
    2018-07-01 0 days 2,183 sqft
    2018-08-01 0 days 2,027 sqft
    2018-09-01 0 days 1,989 sqft
    2018-10-01 0 days 1,974 sqft
    2018-11-01 0 days 1,866 sqft
    2018-12-01 0 days 1,776 sqft
    2019-01-01 0 days 1,781 sqft
    2019-02-01 0 days 1,791 sqft
    2019-03-01 0 days 1,819 sqft
    2019-04-01 0 days 1,855 sqft
    2019-05-01 0 days 1,995 sqft
    2019-06-01 0 days 1,995 sqft
    2019-07-01 0 days 1,903 sqft
    2019-08-01 0 days 1,919 sqft
    2019-09-01 0 days 1,979 sqft
    2019-10-01 0 days 2,058 sqft
    2019-11-01 0 days 2,060 sqft
    2019-12-01 0 days 2,017 sqft
    2020-01-01 0 days 1,994 sqft
    2020-02-01 0 days 2,000 sqft
    2020-03-01 0 days 2,070 sqft
    2020-04-01 0 days 2,045 sqft
    2020-05-01 0 days 2,017 sqft
    2020-06-01 0 days 1,999 sqft
    2020-07-01 0 days 2,001 sqft
    2020-08-01 0 days 2,088 sqft
    2020-09-01 0 days 2,157 sqft
    2020-10-01 0 days 2,025 sqft
    2020-11-01 0 days 1,878 sqft
    2020-12-01 0 days 1,905 sqft
    2021-01-01 0 days 1,909 sqft
    2021-02-01 0 days 1,876 sqft
    2021-03-01 0 days 1,713 sqft
    2021-04-01 0 days 1,873 sqft
    2021-05-01 0 days 2,000 sqft
    2021-06-01 0 days 1,993 sqft
    2021-07-01 0 days 2,012 sqft
    2021-08-01 0 days 2,218 sqft
    2021-09-01 0 days 1,956 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 1,715 sqft
    2022-02-01 0 days 1,843 sqft
    2022-03-01 0 days 1,881 sqft
    2022-04-01 0 days 1,932 sqft
    2022-05-01 0 days 2,240 sqft
    2022-06-01 0 days 2,011 sqft
    2022-07-01 0 days 2,049 sqft
    2022-08-01 0 days 2,004 sqft
    2022-09-01 0 days 2,028 sqft
    2022-10-01 0 days 2,024 sqft
    2022-11-01 0 days 1,999 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 1,983 sqft
    2023-04-01 0 days 2,068 sqft
    2023-05-01 0 days 1,999 sqft
    2023-06-01 0 days 1,945 sqft
    2023-07-01 0 days 2,053 sqft
    2023-08-01 0 days 2,046 sqft
    2023-09-01 0 days 1,953 sqft
    2023-10-01 0 days 1,904 sqft
    2023-11-01 0 days 1,924 sqft
    2023-12-01 0 days 1,895 sqft
    2024-01-01 0 days 1,909 sqft
    2024-02-01 0 days 1,940 sqft
    2024-03-01 0 days 1,972 sqft
    2024-04-01 0 days 1,869 sqft
    2024-05-01 0 days 1,828 sqft
    2024-06-01 0 days 1,800 sqft
    2024-07-01 0 days 1,713 sqft
    2024-08-01 0 days 1,687 sqft
    2024-09-01 0 days 1,763 sqft
    2024-10-01 0 days 1,800 sqft
    2024-11-01 0 days 1,773 sqft
    2024-12-01 0 days 1,703 sqft
    2025-01-01 0 days 1,721 sqft
    2025-02-01 0 days 1,712 sqft
    2025-03-01 0 days 1,647 sqft
    West Plains's median listing age (time on market) for 2025-03-01 was 0 days.

    West Plains's median square footage for active listings during the 2025-03-01 period was 1,647 sqft. One year prior, the average listing was 1,972 sqft.

    West Plains, MO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 282 $57,210,000 $202,872
    Cash Out Refi 67 $11,715,000 $174,851
    Refi 53 $9,425,000 $177,830
    Home Improvement 32 $2,780,000 $86,875
    Other 32 $2,540,000 $79,375

    West Plains's most frequently cited loan purpose was Home Purchase, with 282 originations. The 2nd most popular reason was Cash Out Refi, with 67 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 193 $38,405,000 $198,990
    Over 8% 91 $8,655,000 $95,110
    7-8% 84 $17,120,000 $203,810
    5-6% 63 $13,965,000 $221,667
    <2.5% 3 $15,000 $5,000
    4-5% 3 $775,000 $258,333
    3-4% 1 $125,000 $125,000

    During 2024, West Plains's most frequently originated rate bucket was 6-7%, with 193 originations.

    Loan Sizing (West Plains, MO MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 184 $28,190,000 $153,207
    $200k-400k 133 $35,105,000 $263,947
    $100,000 or less 121 $6,735,000 $55,661
    $400k-600k 27 $12,965,000 $480,185
    $600k-1000k 1 $675,000 $675,000

    West Plains's loan sizing saw the bucket of loans from $100k-200k with 184 originations, totaling $28,190,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 194 $41,700,000 $214,948
    60-80% 92 $19,000,000 $206,522
    40-60% 50 $8,250,000 $165,000
    20-40% 48 $4,290,000 $89,375
    Under 20% 36 $1,640,000 $45,556
    Over 100% 10 $2,200,000 $220,000

    West Plains's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 194 originations, totaling $41,700,000 in origination value.