Mortgage lending in St. Joseph, MO-KS
2,595 mortgages were originated in the St. Joseph, MO-KS area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,595
- Median rate
- 6.625%
- Median lender fees
- $3,878
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
- $145,000
- Above the going rate (spread over APOR)
- 0.512
- Paid discount points
- 35%
- Received lender credits
- 19.2%
- Purchases / refinances
- 57.3% / 30.3%
- Conventional / FHA / VA
- 72.9% / 19.2% / 7.5%
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 69.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the St. Joseph, MO-KS area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | 316 | $4,408 | 6.625% |
| Primelending, A Plainscapital Company | 208 | $3,662 | 6.625% |
| Rocket Mortgage, LLC | 204 | $5,169 | 6.625% |
| U.S. Bank National Association | 165 | $3,086 | 6.750% |
| The Nodaway Valley Bank | 164 | — | — |
| Commerce Bank | 86 | — | 6.875% |
| HNB National Bank | 85 | $1,865 | 7.250% |
| United Shore Financial Services, LLC | 79 | $4,437 | 6.500% |
| Leaderone Financial Corporation | 78 | $3,928 | 6.625% |