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Updated: December 2, 2024

2025 Mortgage Loan Limits: Cole County, Missouri

Property Type2025 Loan Limit
1-Unit Homes$806,500
2-Unit Homes$1,032,650
3-Unit Homes$1,248,150
4-Unit Homes$1,551,250

Source: Federal Housing Finance Agency; Federal Housing Administration

Cole County, Missouri, mortgage loan limits apply in:

Cole County 2025 mortgage loan limits include the following cities: Centertown, Eugene, Lohman, Russellville, St. Martins, St. Thomas, Taos, Wardsville

Historical Charts: Mortgage Loan Limits in Cole County, Missouri

Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Cole County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.

Mortgage Statistics from Cole County, Missouri

Mortgage statistics for Cole County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.

MortgagesTotal
Purchase Mortgages (2018-2023)5279
Loan TypeRelative Share
Conventional74.86%
FHA13.20%
VA10.13%
USDA1.80%
Property TypeRelative Share
1-Unit Homes97.63%
2-Unit Homes1.61%
3-Unit Homes0.28%
4-Unit Homes0.47%
Borrower StatusRelative Share
One Applicant52.64%
Two or More Applicants47.36%
GenderRelative Share
Male29.36%
Female22.37%
Joint Sex41.14%
Not Available7.12%
RaceRelative Share
American Indian / Alaska Native0.42%
Asian1.08%
Black / African American3.28%
Native Hawaiian / Other Pacific Islander0.08%
White82.59%
Mixed Race2.10%
Other Race10.46%
EthnicityRelative Share
Hispanic or Latino2.29%
Not Hispanic or Latino84.88%
Joint Ethnicity1.31%
Other Ethnicity11.52%

Cole County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near Cole County, Missouri

Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Cole County, Missouri. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Callaway County

View Loan Limits →

Moniteau County

View Loan Limits →

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