Fort Leonard Wood Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Fort Leonard Wood averaged 6.9% for the week of 2023-09-14, compared to the national average of 7.18% for the same period.

The average rate for the prior week (2023-09-07) was 7.14% and one month ago for the week of 2023-08-10, the average rate was 6.58%.

Fort Leonard Wood's average rate one year ago was 5.81%.

For refis of the same type during the week of 2023-09-14, the average rate was 7.38%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-14 7.18%
Fort Leonard Wood 30 Year Fixed Rate 2023-09-14 6.9%
Fort Leonard Wood 30 Year Fixed Rate Refi 2023-09-14 7.38%
Fort Leonard Wood 15 Year Fixed Rate 2023-09-14 6.61%
Fort Leonard Wood 15 Year Fixed Rate Refi 2023-09-14 7.01%
Fort Leonard Wood 30 Year FHA 2023-09-14 6.57%
Fort Leonard Wood 30 Year FHA Refi 2023-09-14 7.09%
Fort Leonard Wood 30 Year USDA 2023-09-14 7.08%
Fort Leonard Wood 30 Year USDA Refi 2023-09-14 6.78%
Fort Leonard Wood 30 Year VA 2023-09-14 6.57%
Fort Leonard Wood 30 Year VA Refi 2023-09-14 6.71%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Fort Leonard Wood, MO.

Fort Leonard Wood Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Fort Leonard Wood, MO market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
FLAT BRANCH MORTGAGE, INC. 50 5.24% $2,940
QUICKEN LOANS, LLC 16 5.18% $5,365
Wells Fargo Bank 10 4.80% $2,434
AMERICAN PACIFIC MORTGAGE CORPORATION 9 5.08% $3,202
Community Mortgage Banc Corporation 7 5.20% $2,639
DAS Acquisition Company, LLC 6 4.46% $3,586
The Bank of Missouri 6 4.23% $2,089
NAVY FEDERAL CREDIT UNION 6 4.92% $2,464
UNITED WHOLESALE MORTGAGE, LLC 5 4.77% $5,961
T2 FINANCIAL LLC 5 5.05% $3,852
BROKER SOLUTIONS, INC. 4 5.15% $3,302
First State Community Bank 4 5.44% $2,977
Mortgage Research Center, LLC 3 6.17% $5,447
GUILD MORTGAGE COMPANY 3 5.16% $4,391
Mr. Cooper ( Nationstar Mortgage ) 2 3.81% $5,396
U.S. Bank 2 5.63% $2,577
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 4.63% $3,068
JPMorgan Chase Bank 2 5.81% $2,898
LOANDEPOT.COM, LLC 2 4.88% $5,122
GUARANTEED RATE, INC. 1 6.63% $4,138
Hawthorn Bank 1 3.63% $1,888
HOME POINT FINANCIAL CORPORATION 1 4.25% $2,094
Leaders Credit Union 1 3.38% $615
MUTUAL OF OMAHA MORTGAGE, INC. 1 4.00% $4,897
AMERICAN FINANCING CORPORATION 1 5.38% $5,054
Oakstar Bank 1 4.25% $1,005
PENNYMAC LOAN SERVICES, LLC 1 3.63% $5,702
PHH Mortgage Corporation 1 5.50% $8,161
Plains Commerce Bank 1 5.50% $8,272
PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.63% $2,131
RED DIAMOND HOME LOANS, LLC 1 5.25% $3,111
ROYAL UNITED MORTGAGE LLC 1 4.25% $6,687
Springfield First Community Bank 1 5.38% $1,995
Stifel Bank and Trust 1 3.25% $1,464
SUN WEST MORTGAGE COMPANY, INC. 1 3.99% $1,397
The Central Trust Bank 1 6.13% $4,155
TOGETHER CREDIT UNION 1 5.25% $2,355
UIF CORPORATION 1 5.25% $4,818
Willamette Valley Bank 1 5.50% $4,400
NEWREZ LLC 1 5.38% $7,054
AMERISAVE MORTGAGE CORPORATION 1 4.99% $6,224
Bank of America 1 3.38% $2,666
Bethpage Federal Credit Union 1 5.63% $6,091
Centennial Bank 1 5.88% $2,257
CHURCHILL MORTGAGE CORPORATION 1 6.50% $4,549
Citizens Bank 1 5.50% $3,056
CMG MORTGAGE, INC. 1 2.88% $2,591
Commerce Bank 1 3.00% $2,637
COMMUNITYAMERICA 1 4.00% $3,045
COMMUNITY MORTGAGE, LLC 1 3.25% $2,373
Community National Bank & Trust 1 4.88% $3,075
DELMAR FINANCIAL COMPANY 1 6.13% $6,198
Dundee Bank 1 5.25% $2,608
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.49% $7,254
FIRST COMMUNITY 1 5.00% $0
First Mortgage Solutions, LLC 1 4.50% $4,964
First Western Trust Bank 1 6.50% $2,760
Flagstar Bank, FSB 1 3.25% $2,575

Fort Leonard Wood Average Closing Costs & Other Stats

Fort Leonard Wood, MO's 58 lenders originated 1,392 loans during 2022. The total origination value was $274,940,000, with an average loan value of $197,514.

Fort Leonard Wood's average closing costs are $4,435.

The top Fort Leonard Wood lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 50 loans originated. Their average total fees are $2,940, which is $2,424 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Fort Leonard Wood lenders (with over 10 loans originated) are Wells Fargo Bank ($2,434), FLAT BRANCH MORTGAGE, INC. ($2,940), QUICKEN LOANS, LLC ($5,365), .

The lowest rate Fort Leonard Wood lenders (with over 10 loans originated) are Wells Fargo Bank (4.80%), QUICKEN LOANS, LLC (5.18%), FLAT BRANCH MORTGAGE, INC. (5.24%), .

Fort Leonard Wood, MO Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
FLAT BRANCH MORTGAGE, INC. $77,270,000 $50,820,000 -34.2% 18.5%
Mortgage Research Center, LLC $33,780,000 $34,700,000 2.7% 12.6%
AMERICAN PACIFIC MORTGAGE CORPORATION $22,065,000 $21,525,000 -2.4% 7.8%
QUICKEN LOANS, LLC $19,480,000 $11,465,000 -41.1% 4.2%
NAVY FEDERAL CREDIT UNION $11,345,000 $11,385,000 0.4% 4.1%
USAA Federal Savings Bank $11,405,000 $8,420,000 -26.2% 3.1%
BROKER SOLUTIONS, INC. $5,015,000 $7,840,000 56.3% 2.9%
The Maries County Bank $4,800,000 $7,440,000 55.0% 2.7%
GREYSTONE SERVICING COMPANY LLC $7,005,000 n/a 2.5%
DAS Acquisition Company, LLC $9,635,000 $6,710,000 -30.4% 2.4%
ORIX REAL ESTATE CAPITAL, LLC $5,965,000 n/a 2.2%
UNITED WHOLESALE MORTGAGE, LLC $1,620,000 $5,805,000 258.3% 2.1%
PENNYMAC LOAN SERVICES, LLC $10,275,000 $5,745,000 -44.1% 2.1%
Wells Fargo Bank $8,815,000 $4,650,000 -47.2% 1.7%
T2 FINANCIAL LLC $4,425,000 $4,605,000 4.1% 1.7%
FREEDOM MORTGAGE CORPORATION $24,205,000 $4,285,000 -82.3% 1.6%
NEW DAY FINANCIAL, LLC $3,505,000 $4,230,000 20.7% 1.5%
The Bank of Missouri $5,355,000 $3,475,000 -35.1% 1.3%
Mr. Cooper ( Nationstar Mortgage ) $3,005,000 $2,980,000 -0.8% 1.1%
Hawthorn Bank $2,610,000 $2,485,000 -4.8% 0.9%
Springfield First Community Bank $2,270,000 n/a 0.8%
LOANDEPOT.COM, LLC $2,545,000 $2,250,000 -11.6% 0.8%
GUILD MORTGAGE COMPANY $1,515,000 $2,100,000 38.6% 0.8%
GUARANTEED RATE, INC. $2,285,000 $2,035,000 -10.9% 0.7%
The Federal Savings Bank $2,295,000 $1,925,000 -16.1% 0.7%
Community Mortgage Banc Corporation $2,655,000 $1,910,000 -28.1% 0.7%
Simmons Bank $1,905,000 n/a 0.7%
PENTAGON FEDERAL CREDIT UNION $1,480,000 $1,880,000 27.0% 0.7%
North American Savings Bank, F.S.B. $1,735,000 n/a 0.6%
First State Community Bank $700,000 $1,720,000 145.7% 0.6%
Anstaff Bank $1,655,000 n/a 0.6%
First Community Bank $1,655,000 n/a 0.6%
HOME POINT FINANCIAL CORPORATION $4,620,000 $1,490,000 -67.7% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,635,000 $1,485,000 -9.2% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $165,000 $1,360,000 724.2% 0.5%
MORTGAGE SOLUTIONS OF COLORADO, LLC $185,000 $1,250,000 575.7% 0.5%
ENDEAVOR CAPITAL, LLC. $1,015,000 $1,165,000 14.8% 0.4%
AMERISAVE MORTGAGE CORPORATION $1,585,000 $985,000 -37.9% 0.4%
CALIBER HOME LOANS, INC. $2,860,000 $900,000 -68.5% 0.3%
CMG MORTGAGE, INC. $1,350,000 $880,000 -34.8% 0.3%
PLANET HOME LENDING, LLC $465,000 $835,000 79.6% 0.3%
The Central Trust Bank $380,000 $830,000 118.4% 0.3%
NEWREZ LLC $845,000 $800,000 -5.3% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $850,000 $735,000 -13.5% 0.3%
Mid-Continent Funding, Inc. $400,000 $715,000 78.8% 0.3%
U.S. Bank $1,630,000 $675,000 -58.6% 0.2%
Carrington Mortgage Services, LLC $1,345,000 $605,000 -55.0% 0.2%
Bank of St. Elizabeth $300,000 $580,000 93.3% 0.2%
Equity Prime Mortgage LLC $575,000 n/a 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $1,160,000 $535,000 -53.9% 0.2%
First Mortgage Solutions, LLC $515,000 n/a 0.2%
PHH Mortgage Corporation $55,000 $495,000 800.0% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $610,000 $475,000 -22.1% 0.2%
Flagstar Bank, FSB $815,000 $470,000 -42.3% 0.2%
Barrington Bank & Trust Company, N.A. $1,055,000 $425,000 -59.7% 0.2%
FIRST COMMUNITY MORTGAGE, INC. $420,000 n/a 0.2%
VILLAGE CAPITAL MORTGAGE $1,565,000 $410,000 -73.8% 0.1%
JPMorgan Chase Bank $1,350,000 $375,000 -72.2% 0.1%
BNC National Bank $610,000 $365,000 -40.2% 0.1%
Commerce Bank $355,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,250,000 $345,000 -72.4% 0.1%
PLAZA HOME MORTGAGE, INC. $85,000 $345,000 305.9% 0.1%
ROYAL UNITED MORTGAGE LLC $330,000 $335,000 1.5% 0.1%
Capital Bank $295,000 n/a 0.1%
First Western Trust Bank $280,000 n/a 0.1%
Truist $250,000 $280,000 12.0% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $485,000 $270,000 -44.3% 0.1%
DELMAR FINANCIAL COMPANY $415,000 $265,000 -36.1% 0.1%
Equity Bank $405,000 $265,000 -34.6% 0.1%
COMMUNITYAMERICA $245,000 n/a 0.1%
FAMILY FINANCE MORTGAGE, LLC $360,000 $245,000 -31.9% 0.1%
CHURCHILL MORTGAGE CORPORATION $180,000 $240,000 33.3% 0.1%
NBKC BANK $155,000 $235,000 51.6% 0.1%
WRIGHT-PATT CREDIT UNION, INC. $235,000 n/a 0.1%
First Commonwealth Bank $225,000 n/a 0.1%
KeyBank $225,000 n/a 0.1%
Old National Bank $225,000 n/a 0.1%
The Bank of Old Monroe $630,000 $225,000 -64.3% 0.1%
First Federal Bank $400,000 $215,000 -46.3% 0.1%
The Home Loan Expert LLC $310,000 $215,000 -30.6% 0.1%
Bell Bank $620,000 $210,000 -66.1% 0.1%
United Bank of Union $210,000 n/a 0.1%
Magnolia Bank $175,000 $205,000 17.1% 0.1%
M&T Bank $370,000 $205,000 -44.6% 0.1%
NBH Bank $205,000 n/a 0.1%
UIF CORPORATION $205,000 n/a 0.1%
EVERETT FINANCIAL, INC. $135,000 $195,000 44.4% 0.1%
Plains Commerce Bank $330,000 $195,000 -40.9% 0.1%
Bank of America $85,000 $185,000 117.6% 0.1%
Bank of Washington $185,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,365,000 $185,000 -86.4% 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,805,000 $185,000 -89.8% 0.1%
ON Q FINANCIAL, INC. $185,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $175,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $215,000 $165,000 -23.3% 0.1%
Armed Forces Bank $715,000 $155,000 -78.3% 0.1%
Arvest Bank $160,000 $155,000 -3.1% 0.1%
Community First National Bank $390,000 $155,000 -60.3% 0.1%
LOANPAL, LLC $85,000 $155,000 82.4% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $135,000 $155,000 14.8% 0.1%
RED DIAMOND HOME LOANS, LLC $155,000 n/a 0.1%
Bank of England $145,000 n/a 0.1%
BMO Harris Bank $145,000 n/a 0.1%
COMMUNITY MORTGAGE, LLC $445,000 $145,000 -67.4% 0.1%
TIB The Independent Bankersbank $145,000 n/a 0.1%
Transportation Federal Credit Union $145,000 n/a 0.1%
River Region Credit Union $185,000 $140,000 -24.3% 0.1%
Bethpage Federal Credit Union $135,000 n/a 0.0%
Community National Bank & Trust $135,000 n/a 0.0%
Hometown Lenders, Inc. $135,000 n/a 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $135,000 n/a 0.0%
Mid America Bank $125,000 n/a 0.0%
Centennial Bank $115,000 n/a 0.0%
Citizens Bank $195,000 $115,000 -41.0% 0.0%
Dundee Bank $115,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $135,000 $115,000 -14.8% 0.0%
FIRST COMMUNITY $135,000 $105,000 -22.2% 0.0%
Mid-Missouri Bank $105,000 n/a 0.0%
Prosperity Home Mortgage, LLC $105,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $535,000 $105,000 -80.4% 0.0%
TOGETHER CREDIT UNION $105,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $2,415,000 $105,000 -95.7% 0.0%
21ST MORTGAGE CORPORATION $95,000 n/a 0.0%
Willamette Valley Bank $95,000 n/a 0.0%
BTC BANK $75,000 n/a 0.0%
Stifel Bank and Trust $265,000 $65,000 -75.5% 0.0%
Leaders Credit Union $55,000 n/a 0.0%
Oakstar Bank $620,000 $55,000 -91.1% 0.0%
Sullivan Bank $165,000 $55,000 -66.7% 0.0%
Carrollton Bank $45,000 n/a 0.0%
R-G Federal Credit Union $35,000 n/a 0.0%

Fort Leonard Wood's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 18.5% market share. In second place, with 12.6%, is Mortgage Research Center, LLC, having originated $34,700,000 in loans. In third place, with 7.8%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $21,525,000 in loans. In fourth place, with 4.2%, is QUICKEN LOANS, LLC, having originated $11,465,000 in loans. In fifth place, with 4.1%, is NAVY FEDERAL CREDIT UNION, having originated $11,385,000 in loans.

Fort Leonard Wood, MO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,006 $211,480,000 $210,219
Cash Out Refi 206 $32,970,000 $160,049
Refi 127 $27,535,000 $216,811
Home Improvement 37 $1,895,000 $51,216
Other 16 $1,060,000 $66,250

Fort Leonard Wood's most frequently cited loan purpose was Home Purchase, with 1,006 originations. The 2nd most popular reason was Cash Out Refi, with 206 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 381 $75,455,000 $198,045
4-5% 319 $74,955,000 $234,969
3-4% 248 $49,540,000 $199,758
6-7% 180 $30,880,000 $171,556
2.5-3% 95 $17,425,000 $183,421
7-8% 38 $5,950,000 $156,579
<2.5% 22 $9,610,000 $436,818
Over 8% 14 $480,000 $34,286

During 2022, Fort Leonard Wood's most frequently originated rate bucket was 5-6%, with 381 originations.

Loan Sizing (Fort Leonard Wood, MO MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 577 $145,815,000 $252,712
$100k-200k 559 $87,005,000 $155,644
$100,000 or less 234 $14,020,000 $59,915
$400k-600k 15 $7,035,000 $469,000
$Over $1MM 6 $20,350,000 $3,391,667
$600k-1000k 1 $715,000 $715,000

Fort Leonard Wood's loan sizing saw the bucket of loans from $200k-400k with 577 originations, totaling $145,815,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 778 $161,480,000 $207,558
60-80% 192 $32,570,000 $169,635
Over 100% 175 $47,805,000 $273,171
40-60% 62 $17,010,000 $274,355
20-40% 44 $2,840,000 $64,545
Under 20% 36 $1,010,000 $28,056

Fort Leonard Wood's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 778 originations, totaling $161,480,000 in origination value.