Warrensburg USDA Loan Rates, Closing Costs & Stats
Warrensburg, 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.
Warrensburg's 20 lenders originated 41 USDA loans during 2024. The total origination value was $8,295,000, with an average USDA loan value of $202,317.
Warrensburg USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Warrensburg
averaged
-0.01%
for the week of 2025-06-20, compared to the national average (all USDA variants) of
0% for the same period.
Warrensburg's average USDA mortgage closing costs are $4,010.
The average rate for the prior week (2025-06-13) was
6.39% and
one month ago for the week of 2025-05-16, the
average rate was 6.36%.
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 -0.35%.
Warrensburg 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 Warrensburg level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 14 | 6.58% | $4,788 |
| Midwest Mortgage Associates Corporation | 3 | 6.71% | $2,678 |
| UNITED WHOLESALE MORTGAGE, LLC | 3 | 6.10% | $7,287 |
| The Central Trust Bank | 2 | 6.31% | $4,524 |
| Community National Bank & Trust | 2 | 6.31% | $4,683 |
| GENEVA FINANCIAL, LLC | 2 | 5.94% | $8,552 |
| DAS Acquisition Company, LLC | 2 | 6.06% | $7,174 |
| Equity Prime Mortgage LLC | 1 | 6.13% | $14,268 |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | 6.13% | $4,854 |
| Flagstar Bank, FSB | 1 | 6.75% | $4,963 |
| FREEDOM MORTGAGE CORPORATION | 1 | 6.50% | $7,974 |
| Mortgage Investment Services Corporation | 1 | 6.75% | $175 |
| UMB Bank | 1 | 5.63% | $6,610 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 6.75% | $6,083 |
| Centennial Bank | 1 | 6.75% | $5,735 |
| COMMUNITYAMERICA | 1 | 6.50% | $5,516 |
| COMMUNITY MORTGAGE, LLC | 1 | 6.50% | $4,391 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 6.25% | $6,230 |
| DELMAR FINANCIAL COMPANY | 1 | 6.25% | $6,707 |
| Equity Bank | 1 | 6.00% | $4,185 |
The top Warrensburg USDA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
14 USDA loans originated. Their average total fees are
$4,788, which is $2,111
higher than the next largest lender,
Midwest Mortgage Associates Corporation.
The lowest fee Warrensburg USDA lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. ($4,788), .
The lowest rate Warrensburg USDA lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. (6.58%), .