Mortgage lending in Jefferson City, MO
3,778 mortgages were originated in the Jefferson City, 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
- 3,778
- Median rate
- 6.500%
- Median lender fees
- $3,872
- Median loan amount
- $185,000
- Median spread over APOR
- 0.297
- Paid discount points
- 24.6%
- Received lender credits
- 19.9%
- Purchases / refinances
- 51% / 32.6%
- Conventional / FHA / VA
- 78.2% / 11.2% / 9.2%
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 55.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Jefferson City, MO area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Central Trust Bank | 748 | $3,108 | 6.625% |
| FLAT BRANCH MORTGAGE, INC. | 517 | $4,060 | 6.490% |
| River Region Credit Union | 409 | — | — |
| UNITED SHORE FINANCIAL SERVICES, LLC | 217 | $7,006 | 6.490% |
| Mid America Bank | 192 | — | — |
| Rocket Mortgage, LLC | 133 | $5,491 | 6.500% |
| Mortgage Research Center, LLC | 101 | $3,754 | 6.250% |
| Hawthorn Bank | 77 | — | 6.750% |
| LEGENDS BANK | 65 | — | — |
| Community Point Bank | 59 | — | — |