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%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

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%), .