Mortgage lending in Jefferson County
6,586 mortgages were originated in Jefferson 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
- 6,586
- Median rate
- 6.625%
- Median lender fees
- $4,235
- Median loan amount
- $205,000
- Median spread over APOR
- 0.449
- Paid discount points
- 30%
- Received lender credits
- 24.8%
- Purchases / refinances
- 50.3% / 31.8%
- Conventional / FHA / VA
- 74.3% / 16.2% / 8.5%
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 74.9% 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 Jefferson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 535 | $4,445 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 347 | $4,278 | 6.500% |
| Rocket Mortgage, LLC | 339 | $5,146 | 6.625% |
| DAS Acquisition Company, LLC | 278 | $5,073 | 6.750% |
| FIRST COMMUNITY | 265 | $1,017 | 6.625% |
| Broker Solutions, Inc. | 224 | $4,571 | 6.750% |
| TOGETHER CREDIT UNION | 212 | $2,775 | 7.500% |
| First State Community Bank | 201 | $3,460 | 7.000% |
| U.S. Bank National Association | 167 | $2,878 | 8.050% |
| GERSHMAN INVESTMENT CORP. | 148 | $4,592 | 6.562% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Jefferson County — not a rule of thumb.
From 4,930 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