Mortgage lending in Jackson County
17,328 mortgages were originated in Jackson 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
- 17,328
- Median rate
- 6.625%
- Median lender fees
- $3,822
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
- $195,000
- Above the going rate (spread over APOR)
- 0.290
- Paid discount points
- 30.5%
- Received lender credits
- 20.7%
- Purchases / refinances
- 57.1% / 28.2%
- Conventional / FHA / VA
- 77.7% / 15.3% / 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 69.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $454,000
- That home, 20% down
- $363,200
A median-priced home with 20% down leaves $469,550 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 Jackson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Communityamerica Credit Union | 1,654 | $3,204 | 6.490% |
| Rocket Mortgage, LLC | 874 | $4,775 | 6.625% |
| United Shore Financial Services, LLC | 750 | $5,715 | 6.500% |
| Fairway Independent Mortgage Corporation | 698 | $3,860 | 6.625% |
| Leaderone Financial Corporation | 484 | $5,445 | 6.625% |
| Guild Mortgage Company | 452 | $3,885 | 6.625% |
| Flat Branch Mortgage, Inc. | 427 | $3,762 | 6.625% |
| Kiavi Funding, Inc. | 413 | — | 9.950% |
| Commerce Bank | 411 | $2,344 | 6.625% |
| Primelending, A Plainscapital Company | 409 | $3,715 | 6.495% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Jackson County — not a rule of thumb.
From 11,977 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