Mortgage lending in Cape Girardeau County
1,770 mortgages were originated in Cape Girardeau County, Missouri, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,770
- Median rate
- 6.750%
- Median lender fees
- $3,534
- Median loan amount
- $175,000
- Median spread over APOR
- 0.360
- Paid discount points
- 24.3%
- Received lender credits
- 18.9%
- Purchases / refinances
- 58.3% / 25.4%
- Conventional / FHA / VA
- 78% / 13.8% / 7.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 59.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Cape Girardeau County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First State Community Bank | 170 | $3,292 | 6.862% |
| DAS Acquisition Company, LLC | 123 | $5,429 | 6.750% |
| The Bank of Missouri | 119 | $2,958 | 6.750% |
| Montgomery Bank | 96 | — | 7.750% |
| Southern Bank | 90 | — | 7.500% |
| Rocket Mortgage, LLC | 81 | $4,880 | 6.500% |
| Regions Bank | 74 | — | 6.188% |
| GUILD MORTGAGE COMPANY | 74 | $4,531 | 6.750% |
| Alliance Bank | 72 | — | — |
| U.S. Bank National Association | 72 | $2,896 | 7.063% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Cape Girardeau County — not a rule of thumb.
From 1,059 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers