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Updated: December 2, 2024

2025 Mortgage Loan Limits: Cooper 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

Cooper County, Missouri, mortgage loan limits apply in:

Cooper County 2025 mortgage loan limits include the following cities: Blackwater, Boonville, Bunceton, Otterville, Pilot Grove, Prairie Home, Windsor Place, Wooldridge

Historical Charts: Mortgage Loan Limits in Cooper County, Missouri

Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Cooper 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 Cooper County, Missouri

Mortgage statistics for Cooper 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)991
Loan TypeRelative Share
Conventional62.46%
FHA13.82%
VA10.90%
USDA12.82%
Property TypeRelative Share
1-Unit Homes97.78%
2-Unit Homes2.02%
3-Unit Homes0.10%
4-Unit Homes0.10%
Borrower StatusRelative Share
One Applicant54.89%
Two or More Applicants45.11%
GenderRelative Share
Male30.27%
Female21.29%
Joint Sex40.36%
Not Available8.07%
RaceRelative Share
American Indian / Alaska Native0.40%
Asian0.50%
Black / African American2.02%
Native Hawaiian / Other Pacific Islander0.10%
White85.97%
Mixed Race1.21%
Other Race9.79%
EthnicityRelative Share
Hispanic or Latino1.31%
Not Hispanic or Latino86.68%
Joint Ethnicity1.01%
Other Ethnicity11.00%

Cooper 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 Cooper County, Missouri

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

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