Mortgage lending in Johnson County
1,580 mortgages were originated in Johnson 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
- 1,580
- Median rate
- 6.500%
- Median lender fees
- $4,550
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)
- 0.135
- Paid discount points
- 35%
- Received lender credits
- 26%
- Purchases / refinances
- 55.6% / 34.1%
- Conventional / FHA / VA
- 57.5% / 10.6% / 29.6%
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 73.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $263,000
- That home, 20% down
- $210,400
A median-priced home with 20% down leaves $622,350 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 Johnson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| F & C Bank | 130 | — | — |
| Flat Branch Mortgage, Inc. | 118 | $4,012 | 6.375% |
| Fairway Independent Mortgage Corporation | 98 | $4,443 | 6.490% |
| Rocket Mortgage, LLC | 75 | $6,007 | 6.500% |
| The Central Trust Bank | 73 | — | 7.000% |
| Mortgage Research Center, LLC | 65 | $5,728 | 6.375% |
| United Shore Financial Services, LLC | 60 | $4,951 | 6.124% |
| Pennymac Loan Services, LLC | 50 | $5,205 | 5.995% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Johnson County — not a rule of thumb.
From 1,155 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