Mortgage lending in Joplin, MO-KS
4,644 mortgages were originated in the Joplin, MO-KS 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
- 4,644
- Median rate
- 6.750%
- Median lender fees
- $4,274
- Median loan amount
- $155,000
- Median spread over APOR
- 0.537
- Paid discount points
- 34.8%
- Received lender credits
- 18.5%
- Purchases / refinances
- 59.3% / 24.9%
- Conventional / FHA / VA
- 68.6% / 20.1% / 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 68.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Joplin, MO-KS area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 1,175 | $4,779 | 6.625% |
| Southwest Missouri Bank | 571 | $2,007 | 7.750% |
| Arvest Bank | 482 | $3,783 | 6.875% |
| Rocket Mortgage, LLC | 232 | $4,962 | 6.625% |
| Pinnacle Bank | 137 | $3,126 | 7.100% |
| U.S. Bank National Association | 117 | $2,555 | 7.600% |
| People's Bank of Seneca | 107 | — | — |
| Community Bank and Trust | 101 | — | — |
| First Community Bank | 100 | $6,307 | 6.875% |
| Mortgage Research Center, LLC | 89 | $3,038 | 6.375% |