Mortgage lending in Cape Girardeau, MO-IL

1,996 mortgages were originated in the Cape Girardeau, MO-IL area in 2025, and here is what they cost.

Loans originated

1,996

Median rate

6.750%

Median lender fees

$3,524

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

$165,000

Above the going rate (spread over APOR)

0.369

Paid discount points

24.8%

Received lender credits

19.7%

Purchases / refinances

57.8% / 25.6%

Conventional / FHA / VA

77.3% / 13.8% / 7.8%

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 60.3% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Cape Girardeau, MO-IL area, ranked by volume.