Mortgage lending in Columbia, MO
4,699 mortgages were originated in the Columbia, MO 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
- 4,699
- Median rate
- 6.500%
- Median lender fees
- $3,378
- Median loan amount
- $225,000
- Median spread over APOR
- 0.217
- Paid discount points
- 24.1%
- Received lender credits
- 19%
- Purchases / refinances
- 56.4% / 27.9%
- Conventional / FHA / VA
- 81.7% / 9.4% / 8.2%
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 56.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Columbia, MO area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Central Trust Bank | 720 | $3,306 | 6.500% |
| FLAT BRANCH MORTGAGE, INC. | 551 | $3,344 | 6.625% |
| River Region Credit Union | 425 | — | — |
| Rocket Mortgage, LLC | 172 | $4,350 | 6.625% |
| Mortgage Research Center, LLC | 167 | $3,587 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 140 | $5,491 | 6.250% |
| DAS Acquisition Company, LLC | 136 | $4,357 | 6.500% |
| Exchange Bank of Missouri | 106 | — | — |
| Simmons Bank | 100 | — | 3.990% |
| First State Community Bank | 97 | — | 6.750% |