Mortgage lending in Newton County
1,309 mortgages were originated in Newton 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
- 1,309
- Median rate
- 6.750%
- Median lender fees
- $4,408
- Median loan amount
- $175,000
- Median spread over APOR
- 0.523
- Paid discount points
- 36.7%
- Received lender credits
- 19.6%
- Purchases / refinances
- 56.5% / 27.5%
- Conventional / FHA / VA
- 68.4% / 18.4% / 9%
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 71.1% 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 Newton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 291 | $4,757 | 6.625% |
| Arvest Bank | 148 | $3,815 | 6.875% |
| Southwest Missouri Bank | 139 | $2,120 | 7.750% |
| Rocket Mortgage, LLC | 79 | $4,734 | 6.750% |
| First Community Bank | 60 | — | 6.933% |
| Community Bank and Trust | 54 | — | — |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Newton County — not a rule of thumb.
From 931 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