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.
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
- 1,996
- Median rate
- 6.750%
- Median lender fees
- $3,524
- Median loan amount
- $165,000
- Median 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.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First State Community Bank | 182 | $3,280 | 6.875% |
| The Bank of Missouri | 151 | $2,958 | 6.750% |
| DAS Acquisition Company, LLC | 134 | $5,438 | 6.688% |
| Montgomery Bank | 107 | — | 7.750% |
| Southern Bank | 102 | — | 7.500% |
| Rocket Mortgage, LLC | 98 | $4,610 | 6.563% |
| U.S. Bank National Association | 84 | $2,896 | 6.990% |
| GUILD MORTGAGE COMPANY | 80 | $4,319 | 6.750% |
| Regions Bank | 76 | — | 6.313% |
| Alliance Bank | 74 | — | — |