Mortgage lending in Cass County
3,316 mortgages were originated in Cass 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
- 3,316
- Median rate
- 6.625%
- Median lender fees
- $3,837
- Median loan amount
- $235,000
- Median spread over APOR
- 0.269
- Paid discount points
- 32.9%
- Received lender credits
- 21.2%
- Purchases / refinances
- 53.8% / 29.6%
- Conventional / FHA / VA
- 75.1% / 14.3% / 9.7%
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 74.2% 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 Cass County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| COMMUNITYAMERICA CREDIT UNION | 246 | $3,249 | 6.490% |
| Rocket Mortgage, LLC | 175 | $4,391 | 6.750% |
| Fairway Independent Mortgage Corporation | 170 | $4,412 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 126 | $6,368 | 6.249% |
| FLAT BRANCH MORTGAGE, INC. | 126 | $3,534 | 6.500% |
| Commerce Bank | 83 | — | 7.125% |
| Arvest Bank | 80 | — | 6.875% |
| PENNYMAC LOAN SERVICES, LLC | 74 | $5,355 | 6.495% |
| Prosperity Home Mortgage, LLC | 61 | $3,275 | 6.625% |
| FREEDOM MORTGAGE CORPORATION | 60 | $4,888 | 6.250% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Cass County — not a rule of thumb.
From 2,459 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