Lebanon Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Lebanon averaged 6.94% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 6.87% and one month ago for the week of 2025-05-15, the average rate was 6.94%.

Lebanon's average rate one year ago was 7.18%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.11%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Lebanon 30 Year Fixed Rate 2025-06-18 6.94%
Lebanon 30 Year Fixed Rate Refi 2025-06-18 7.11%
Lebanon 15 Year Fixed Rate 2025-06-18 5.76%
Lebanon 15 Year Fixed Rate Refi 2025-06-18 5.96%
Lebanon 30 Year FHA 2025-06-18 0.23%
Lebanon 30 Year FHA Refi 2025-06-18 -0.2%
Lebanon 30 Year USDA 2025-06-18 0%
Lebanon 30 Year USDA Refi 2025-06-18 0.2%
Lebanon 30 Year VA 2025-06-18 -0.2%
Lebanon 30 Year VA Refi 2025-06-18 -0.1%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Lebanon, MO.

Lebanon 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 Lebanon, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
FLAT BRANCH MORTGAGE, INC. 21 6.51% $4,209
First State Community Bank 21 6.51% $2,912
GUILD MORTGAGE COMPANY 12 7.04% $3,281
QUICKEN LOANS, LLC 12 6.62% $6,688
The Central Trust Bank 9 7.22% $3,030
U.S. Bank 8 6.98% $2,472
Arvest Bank 6 6.79% $2,863
BROKER SOLUTIONS, INC. 6 6.79% $4,045
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 7.07% $3,968
VANDERBILT MORTGAGE AND FINANCE, INC. 4 8.56% $7,022
Commerce Bank 4 6.97% $2,223
Flagstar Bank, FSB 4 7.72% $4,260
Great Southern Bank 3 6.42% $2,816
Ixonia Bank 3 6.62% $4,214
DAS Acquisition Company, LLC 3 6.88% $6,663
UNITED WHOLESALE MORTGAGE, LLC 2 7.34% $3,245
BOKF 2 7.31% $4,501
COMMUNITY MORTGAGE, LLC 2 6.75% $3,761
FIRST COMMUNITY 2 5.95% $1,564
NEWREZ LLC 2 7.06% $2,624
ROYAL UNITED MORTGAGE LLC 2 7.44% $6,371
PENNYMAC LOAN SERVICES, LLC 1 7.12% $5,638
CIBM Bank 1 7.50% $6,800
Southern Bank 1 7.38% $1,890
Carrington Mortgage Services, LLC 1 7.63% $3,897
USAA Federal Savings Bank 1 6.88% $8,445
First State Bank of St. Charles, Missouri 1 5.25% $4,711
ASSEMBLIES OF GOD Credit Union 1 6.38% $3,699
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $3,355
FREEDOM MORTGAGE CORPORATION 1 8.63% $4,875
Gateway First Bank 1 6.63% $2,312
GERSHMAN INVESTMENT CORP. 1 6.63% $2,712
Mortgage Research Center, LLC 1 5.25% $1,723
NexBank 1 7.13% $2,867
Oakstar Bank 1 6.50% $3,150

Lebanon Average Closing Costs & Other Stats

Lebanon, MO's 35 lenders originated 665 loans during 2024. The total origination value was $115,635,000, with an average loan value of $173,887.

Lebanon's average closing costs are $4,104.

The top Lebanon lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 21 loans originated. Their average total fees are $4,209, which is $1,297 higher than the next largest lender, First State Community Bank.

The lowest fee Lebanon lenders (with over 10 loans originated) are First State Community Bank ($2,912), GUILD MORTGAGE COMPANY ($3,281), FLAT BRANCH MORTGAGE, INC. ($4,209), QUICKEN LOANS, LLC ($6,688) and .

The lowest rate Lebanon lenders (with over 10 loans originated) are FLAT BRANCH MORTGAGE, INC. (6.51%), First State Community Bank (6.51%), QUICKEN LOANS, LLC (6.62%), GUILD MORTGAGE COMPANY (7.04%) and .

Lebanon, 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
FLAT BRANCH MORTGAGE, INC. $11,275,000 $13,675,000 21.3% 11.8%
First State Community Bank $8,730,000 $11,765,000 34.8% 10.2%
Mortgage Research Center, LLC $3,340,000 $6,965,000 108.5% 6.0%
QUICKEN LOANS, LLC $5,475,000 $6,630,000 21.1% 5.7%
Mid-Missouri Bank $3,505,000 $5,000,000 42.7% 4.3%
GUILD MORTGAGE COMPANY $695,000 $4,830,000 595.0% 4.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $9,220,000 $3,810,000 -58.7% 3.3%
PENNYMAC LOAN SERVICES, LLC $2,530,000 $3,425,000 35.4% 3.0%
Arvest Bank $1,600,000 $3,145,000 96.6% 2.7%
The Central Trust Bank $870,000 $3,045,000 250.0% 2.6%
DAS Acquisition Company, LLC $2,730,000 $2,960,000 8.4% 2.6%
BROKER SOLUTIONS, INC. $2,130,000 $2,715,000 27.5% 2.3%
UNITED WHOLESALE MORTGAGE, LLC $3,455,000 $2,635,000 -23.7% 2.3%
U.S. Bank $5,000,000 $2,615,000 -47.7% 2.3%
Commerce Bank $2,330,000 $1,990,000 -14.6% 1.7%
FREEDOM MORTGAGE CORPORATION $1,570,000 $1,720,000 9.6% 1.5%
O'Bannon Banking Company $1,575,000 n/a 1.4%
NAVY FEDERAL CREDIT UNION $2,235,000 $1,510,000 -32.4% 1.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $3,865,000 $1,270,000 -67.1% 1.1%
NEWREZ LLC $575,000 $1,220,000 112.2% 1.1%
VILLAGE CAPITAL MORTGAGE $1,215,000 n/a 1.1%
Flagstar Bank, FSB $450,000 $1,090,000 142.2% 0.9%
LAKEVIEW LOAN SERVICING, LLC $1,030,000 n/a 0.9%
CROSSCOUNTRY MORTGAGE, LLC $670,000 $985,000 47.0% 0.9%
AMERISAVE MORTGAGE CORPORATION $775,000 $890,000 14.8% 0.8%
AMERICAN FINANCING CORPORATION $165,000 $825,000 400.0% 0.7%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $385,000 $805,000 109.1% 0.7%
Great Southern Bank $860,000 $780,000 -9.3% 0.7%
LOANDEPOT.COM, LLC $325,000 $780,000 140.0% 0.7%
Ixonia Bank $175,000 $720,000 311.4% 0.6%
CANOPY MORTGAGE, LLC $695,000 n/a 0.6%
USAA Federal Savings Bank $1,645,000 $685,000 -58.4% 0.6%
MORTGAGE SOLUTIONS OF COLORADO, LLC $195,000 $675,000 246.2% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $45,000 $590,000 1,211.1% 0.5%
BOKF $390,000 $545,000 39.7% 0.5%
COMMUNITY MORTGAGE, LLC $165,000 $545,000 230.3% 0.5%
Southern Bank $535,000 $540,000 0.9% 0.5%
AMERICAN FINANCIAL RESOURCES, INC. $320,000 $525,000 64.1% 0.5%
Oakstar Bank $490,000 n/a 0.4%
First State Bank of St. Charles, Missouri $480,000 n/a 0.4%
SUN WEST MORTGAGE COMPANY, INC. $380,000 $390,000 2.6% 0.3%
GUARANTEED RATE AFFINITY, LLC $385,000 n/a 0.3%
GUARANTEED RATE, INC. $915,000 $385,000 -57.9% 0.3%
Mid-Continent Funding, Inc. $335,000 $385,000 14.9% 0.3%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $375,000 n/a 0.3%
GERSHMAN INVESTMENT CORP. $405,000 $370,000 -8.6% 0.3%
CARDINAL FINANCIAL $135,000 $355,000 163.0% 0.3%
ASSEMBLIES OF GOD Credit Union $65,000 $345,000 430.8% 0.3%
Peoples Community Bank $325,000 n/a 0.3%
Carrington Mortgage Services, LLC $150,000 $315,000 110.0% 0.3%
PLANET HOME LENDING, LLC $215,000 $315,000 46.5% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $150,000 $310,000 106.7% 0.3%
Truist $305,000 n/a 0.3%
AMERICAN FINANCIAL NETWORK, INC. $285,000 n/a 0.2%
First National Bank Texas $275,000 n/a 0.2%
FIRST COMMUNITY $515,000 $270,000 -47.6% 0.2%
LENDINGHOME FUNDING CORPORATION $265,000 n/a 0.2%
Citizens Bank $255,000 n/a 0.2%
FINANCE OF AMERICA REVERSE LLC $250,000 n/a 0.2%
NexBank $245,000 n/a 0.2%
CIBM Bank $225,000 n/a 0.2%
The Federal Savings Bank $690,000 $215,000 -68.8% 0.2%
MISSOURI ELECTRIC COOPERATIVES EMPL $800,000 $205,000 -74.4% 0.2%
Simmons Bank $205,000 n/a 0.2%
Stockmens Bank $755,000 $200,000 -73.5% 0.2%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $170,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $65,000 $170,000 161.5% 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $165,000 n/a 0.1%
River Region Credit Union $165,000 n/a 0.1%
Springfield First Community Bank $680,000 $165,000 -75.7% 0.1%
Paramount Residential Mortgage Group, Inc. $185,000 $160,000 -13.5% 0.1%
HOMESIDE FINANCIAL, LLC $105,000 $155,000 47.6% 0.1%
Old Missouri Bank $195,000 $155,000 -20.5% 0.1%
ON Q FINANCIAL, INC. $155,000 n/a 0.1%
Equity Prime Mortgage LLC $145,000 n/a 0.1%
First National Bank and Trust Company $145,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $440,000 $145,000 -67.0% 0.1%
Freedom Bank of Southern Missouri $135,000 n/a 0.1%
The Maries County Bank $890,000 $130,000 -85.4% 0.1%
Citibank $125,000 n/a 0.1%
Gateway First Bank $375,000 $115,000 -69.3% 0.1%
Wells Fargo Bank $425,000 $115,000 -72.9% 0.1%
21ST MORTGAGE CORPORATION $115,000 $100,000 -13.0% 0.1%
Discover Bank $55,000 $85,000 54.5% 0.1%
Bank of America $435,000 $80,000 -81.6% 0.1%
Farm Credit Mid-America, ACA $275,000 $45,000 -83.6% 0.0%
Regions Bank $45,000 n/a 0.0%

Lebanon's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 11.8% market share. In second place, with 10.2%, is First State Community Bank, having originated $11,765,000 in loans. In third place, with 6.0%, is Mortgage Research Center, LLC, having originated $6,965,000 in loans. In fourth place, with 5.7%, is QUICKEN LOANS, LLC, having originated $6,630,000 in loans. In fifth place, with 4.3%, is Mid-Missouri Bank, having originated $5,000,000 in loans.

Lebanon, MO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 397 $80,575,000 $202,960
Cash Out Refi 88 $14,110,000 $160,341
Refi 86 $15,660,000 $182,093
Other 50 $2,800,000 $56,000
Home Improvement 44 $2,490,000 $56,591

Lebanon's most frequently cited loan purpose was Home Purchase, with 397 originations. The 2nd most popular reason was Cash Out Refi, with 88 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 266 $52,750,000 $198,308
7-8% 153 $24,675,000 $161,275
Over 8% 130 $11,030,000 $84,846
5-6% 75 $17,125,000 $228,333
4-5% 5 $1,545,000 $309,000
<2.5% 4 $200,000 $50,000
2.5-3% 4 $500,000 $125,000

During 2024, Lebanon's most frequently originated rate bucket was 6-7%, with 266 originations.

Loan Sizing (Lebanon, MO MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 295 $44,905,000 $152,220
$100,000 or less 179 $10,315,000 $57,626
$200k-400k 171 $45,985,000 $268,918
$400k-600k 14 $6,520,000 $465,714
$600k-1000k 3 $2,105,000 $701,667
$Over $1MM 3 $5,805,000 $1,935,000

Lebanon's loan sizing saw the bucket of loans from $100k-200k with 295 originations, totaling $44,905,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 272 $56,010,000 $205,919
60-80% 107 $20,905,000 $195,374
20-40% 91 $7,005,000 $76,978
Under 20% 54 $2,230,000 $41,296
40-60% 48 $6,530,000 $136,042
Over 100% 21 $6,235,000 $296,905

Lebanon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 272 originations, totaling $56,010,000 in origination value.