Mortgage lending in Christian County
2,889 mortgages were originated in Christian County, Missouri, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,889
- Median rate
- 6.625%
- Median lender fees
- $3,985
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $225,000
- Above the going rate (spread over APOR)
- 0.283
- Paid discount points
- 30.8%
- Received lender credits
- 21%
- Purchases / refinances
- 52.4% / 30.5%
- Conventional / FHA / VA
- 74.5% / 13.5% / 11.3%
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 67.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $309,000
- That home, 20% down
- $247,200
A median-priced home with 20% down leaves $585,550 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Christian County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Flat Branch Mortgage, Inc. | 199 | $3,839 | 6.490% |
| Rocket Mortgage, LLC | 192 | $5,359 | 6.625% |
| The Central Trust Bank | 136 | $3,758 | 6.495% |
| Arvest Bank | 109 | $4,206 | 6.875% |
| BluCurrent Credit Union | 104 | — | 7.000% |
| Pennymac Loan Services, LLC | 98 | $4,065 | 6.490% |
| Gershman Investment Corp. | 97 | $3,574 | 6.625% |
| Great Southern Bank | 87 | $3,070 | 6.750% |
| Oakstar Bank | 86 | — | 6.875% |
| United Shore Financial Services, LLC | 81 | $5,128 | 6.240% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Christian County — not a rule of thumb.
From 1,953 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers