Jefferson City USDA Loan Rates, Closing Costs & Stats
JEFFERSON CITY, MO
USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.
Jefferson City's 13 lenders originated 45 USDA loans during 2024. The total origination value was $8,445,000, with an average USDA loan value of $187,667.
Jefferson City USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Jefferson City
averaged
0.2%
for the week of 2025-06-20, compared to the national average (all USDA variants) of
0% for the same period.
Jefferson City's average USDA mortgage closing costs are $4,043.
The average rate for the prior week (2025-06-13) was
6.9% and
one month ago for the week of 2025-05-16, the
average rate was 6.86%.
The average rate one year ago was 6.88%.
For refis of the same type during the week of 2025-06-20, the average rate
was -0.14%.
Jefferson City USDA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Jefferson City level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 26 | 6.60% | $5,601 |
| The Central Trust Bank | 4 | 6.28% | $5,473 |
| Midwest Mortgage Associates Corporation | 2 | 6.44% | $2,247 |
| DAS Acquisition Company, LLC | 2 | 6.63% | $5,368 |
| Equity Prime Mortgage LLC | 2 | 6.69% | $3,945 |
| TOWNE MORTGAGE COMPANY | 1 | 6.13% | $10,197 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 7.20% | $4,157 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 7.63% | $4,821 |
| VILLAGE CAPITAL MORTGAGE | 1 | 6.38% | $8,829 |
| CMG MORTGAGE, INC. | 1 | 6.50% | $5,577 |
| GENEVA FINANCIAL, LLC | 1 | 7.00% | $5,525 |
| GUILD MORTGAGE COMPANY | 1 | 7.13% | $4,306 |
| Hawthorn Bank | 1 | 5.88% | $4,839 |
The top Jefferson City USDA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
26 USDA loans originated. Their average total fees are
$5,601, which is $128
higher than the next largest lender,
The Central Trust Bank.
The lowest fee Jefferson City USDA lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. ($5,601), .
The lowest rate Jefferson City USDA lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. (6.60%), .