Rolla Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Rolla averaged
7.1%
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
7.13% and
one month ago for the week of 2025-05-15, the
average rate was 6.8%.
Rolla's average rate one year ago was 7.24%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Rolla 30 Year Fixed Rate | 2025-06-18 | 7.1% |
| Rolla 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Rolla 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Rolla 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Rolla 30 Year FHA | 2025-06-18 | 0.18% |
| Rolla 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Rolla 30 Year USDA | 2025-06-18 | -0.2% |
| Rolla 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Rolla 30 Year VA | 2025-06-18 | -0.1% |
| Rolla 30 Year VA Refi | 2025-06-18 | 0% |
Rolla 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 Rolla, 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.).
Rolla Average Closing Costs & Other Stats
Rolla, MO's 41 lenders originated 524
loans during 2024. The total origination value was $99,880,000, with an average loan value of
$190,611.
Rolla's average closing costs are $4,308.
The top Rolla lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
20 loans originated. Their average total fees are
$3,472, which is $1,000
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Rolla lenders (with over 10 loans originated) are
U.S. Bank ($2,838), The Central Trust Bank ($3,394), FLAT BRANCH MORTGAGE, INC. ($3,472), QUICKEN LOANS, LLC ($4,472) and GUILD MORTGAGE COMPANY ($4,785).
The lowest rate Rolla lenders (with over 10 loans originated) are
The Central Trust Bank (6.64%), GUILD MORTGAGE COMPANY (6.67%), U.S. Bank (6.76%), FLAT BRANCH MORTGAGE, INC. (6.78%) and QUICKEN LOANS, LLC (6.95%).
Rolla, 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. | $10,685,000 | $11,525,000 | 7.9% | 11.5% |
| GUILD MORTGAGE COMPANY | $4,535,000 | $8,580,000 | 89.2% | 8.6% |
| QUICKEN LOANS, LLC | $5,590,000 | $7,205,000 | 28.9% | 7.2% |
| The Central Trust Bank | $3,525,000 | $5,225,000 | 48.2% | 5.2% |
| U.S. Bank | $2,375,000 | $5,140,000 | 116.4% | 5.1% |
| DAS Acquisition Company, LLC | $5,740,000 | $4,950,000 | -13.8% | 5.0% |
| Mortgage Research Center, LLC | $3,460,000 | $4,295,000 | 24.1% | 4.3% |
| BROKER SOLUTIONS, INC. | $7,250,000 | $3,930,000 | -45.8% | 3.9% |
| Cedar Rapids Bank and Trust Company | $2,855,000 | n/a | 2.9% | |
| FREEDOM MORTGAGE CORPORATION | $1,400,000 | $2,570,000 | 83.6% | 2.6% |
| The Maries County Bank | $1,715,000 | $2,010,000 | 17.2% | 2.0% |
| First State Community Bank | $1,240,000 | $1,960,000 | 58.1% | 2.0% |
| USAA Federal Savings Bank | $145,000 | $1,930,000 | 1,231.0% | 1.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,145,000 | $1,910,000 | -11.0% | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | $790,000 | $1,690,000 | 113.9% | 1.7% |
| NBKC BANK | $1,490,000 | n/a | 1.5% | |
| LOANDEPOT.COM, LLC | $460,000 | $1,475,000 | 220.7% | 1.5% |
| Stifel Bank and Trust | $1,300,000 | n/a | 1.3% | |
| Arvest Bank | $1,115,000 | n/a | 1.1% | |
| Southern Bank | $1,260,000 | $1,055,000 | -16.3% | 1.1% |
| Armed Forces Bank | $400,000 | $895,000 | 123.8% | 0.9% |
| Carrington Mortgage Services, LLC | $835,000 | $855,000 | 2.4% | 0.9% |
| CHURCHILL MORTGAGE CORPORATION | $855,000 | n/a | 0.9% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $165,000 | $780,000 | 372.7% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $755,000 | n/a | 0.8% | |
| VILLAGE CAPITAL MORTGAGE | $745,000 | n/a | 0.7% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $145,000 | $700,000 | 382.8% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $1,840,000 | $625,000 | -66.0% | 0.6% |
| LENDINGHOME FUNDING CORPORATION | $105,000 | $610,000 | 481.0% | 0.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,305,000 | $610,000 | -53.3% | 0.6% |
| The Bank of Missouri | $590,000 | $590,000 | 0.0% | 0.6% |
| CANOPY MORTGAGE, LLC | $285,000 | $570,000 | 100.0% | 0.6% |
| PLAZA HOME MORTGAGE, INC. | $600,000 | $570,000 | -5.0% | 0.6% |
| NEWREZ LLC | $855,000 | $565,000 | -33.9% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $205,000 | $550,000 | 168.3% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,360,000 | $545,000 | -59.9% | 0.5% |
| Community Mortgage Banc Corporation | $325,000 | $540,000 | 66.2% | 0.5% |
| Mid America Bank | $265,000 | $525,000 | 98.1% | 0.5% |
| SUN WEST MORTGAGE COMPANY, INC. | $675,000 | $510,000 | -24.4% | 0.5% |
| MID AMERICA MORTGAGE, INC. | $495,000 | $460,000 | -7.1% | 0.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $355,000 | $435,000 | 22.5% | 0.4% |
| BMO Harris Bank | $215,000 | $415,000 | 93.0% | 0.4% |
| Ally Bank | $400,000 | n/a | 0.4% | |
| Sullivan Bank | $1,965,000 | $395,000 | -79.9% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $325,000 | $395,000 | 21.5% | 0.4% |
| DELMAR FINANCIAL COMPANY | $390,000 | n/a | 0.4% | |
| NEW DAY FINANCIAL, LLC | $940,000 | $385,000 | -59.0% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $375,000 | n/a | 0.4% | |
| Paragon Bank | $355,000 | n/a | 0.4% | |
| WEST COMMUNITY | $315,000 | n/a | 0.3% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $305,000 | n/a | 0.3% | |
| Regions Bank | $365,000 | $305,000 | -16.4% | 0.3% |
| AmeriHome Mortgage Company, LLC | $275,000 | n/a | 0.3% | |
| Peoples Bank | $85,000 | $270,000 | 217.6% | 0.3% |
| CMG MORTGAGE, INC. | $265,000 | n/a | 0.3% | |
| AMERICAN FINANCING CORPORATION | $165,000 | $255,000 | 54.5% | 0.3% |
| BancorpSouth | $265,000 | $255,000 | -3.8% | 0.3% |
| GERSHMAN INVESTMENT CORP. | $125,000 | $255,000 | 104.0% | 0.3% |
| AMERICAN HERITAGE LENDING, INC. | $250,000 | n/a | 0.3% | |
| Commerce Bank | $595,000 | $245,000 | -58.8% | 0.2% |
| First Federal Bank | $245,000 | n/a | 0.2% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $245,000 | n/a | 0.2% | |
| Members Mortgage Services, L.L.C. | $225,000 | n/a | 0.2% | |
| Paramount Residential Mortgage Group, Inc. | $225,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $685,000 | $215,000 | -68.6% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $145,000 | $210,000 | 44.8% | 0.2% |
| Regional Missouri Bank | $200,000 | n/a | 0.2% | |
| Nations Lending Corporation | $185,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $980,000 | $175,000 | -82.1% | 0.2% |
| Fifth Third Bank | $175,000 | n/a | 0.2% | |
| LEADERONE FINANCIAL CORPORATION | $245,000 | $175,000 | -28.6% | 0.2% |
| Figure Lending LLC | $210,000 | $165,000 | -21.4% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $145,000 | $165,000 | 13.8% | 0.2% |
| Bank of Springfield | $155,000 | n/a | 0.2% | |
| Servion, Inc. | $245,000 | $145,000 | -40.8% | 0.1% |
| VERIDIAN CREDIT UNION | $145,000 | n/a | 0.1% | |
| FIRST INTEGRITY MORTGAGE SERVICES, INC. | $175,000 | $135,000 | -22.9% | 0.1% |
| SPRING EQ, LLC | $55,000 | $130,000 | 136.4% | 0.1% |
| FIRST COMMUNITY | $35,000 | $125,000 | 257.1% | 0.1% |
| United Bank of Union | $5,465,000 | $115,000 | -97.9% | 0.1% |
| 21ST MORTGAGE CORPORATION | $105,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $355,000 | $105,000 | -70.4% | 0.1% |
| UNION HOME MORTGAGE CORP. | $95,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $85,000 | n/a | 0.1% | |
| PNC Bank | $85,000 | n/a | 0.1% | |
| The Bank of Old Monroe | $85,000 | n/a | 0.1% | |
| Discover Bank | $75,000 | n/a | 0.1% | |
| Hawthorn Bank | $505,000 | $75,000 | -85.1% | 0.1% |
| Truist | $75,000 | n/a | 0.1% | |
| TOGETHER CREDIT UNION | $65,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $155,000 | $65,000 | -58.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $55,000 | n/a | 0.1% | |
| VANTAGE Credit Union | $15,000 | n/a | 0.0% |
Rolla's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 11.5% market share. In second place, with 8.6%, is GUILD MORTGAGE COMPANY, having originated $8,580,000 in loans. In third place, with 7.2%, is QUICKEN LOANS, LLC, having originated $7,205,000 in loans. In fourth place, with 5.2%, is The Central Trust Bank, having originated $5,225,000 in loans. In fifth place, with 5.1%, is U.S. Bank, having originated $5,140,000 in loans.
Rolla, MO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 319 | $68,605,000 | $215,063 |
| Cash Out Refi | 70 | $11,770,000 | $168,143 |
| Refi | 66 | $15,140,000 | $229,394 |
| Home Improvement | 38 | $2,390,000 | $62,895 |
| Other | 31 | $1,975,000 | $63,710 |
Rolla's most frequently cited loan purpose was Home Purchase, with 319 originations. The 2nd most popular reason was Cash Out Refi, with 70 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 246 | $52,730,000 | $214,350 |
| 7-8% | 109 | $20,005,000 | $183,532 |
| 5-6% | 71 | $14,385,000 | $202,606 |
| Over 8% | 68 | $5,780,000 | $85,000 |
| <2.5% | 3 | $15,000 | $5,000 |
| 4-5% | 2 | $400,000 | $200,000 |
During 2024, Rolla's most frequently originated rate bucket was 6-7%, with 246 originations.
Loan Sizing (Rolla, MO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 212 | $31,780,000 | $149,906 |
| $200k-400k | 164 | $44,650,000 | $272,256 |
| $100,000 or less | 121 | $6,895,000 | $56,983 |
| $400k-600k | 21 | $9,845,000 | $468,810 |
| $600k-1000k | 4 | $2,740,000 | $685,000 |
| $Over $1MM | 2 | $3,970,000 | $1,985,000 |
Rolla's loan sizing saw the bucket of loans from $100k-200k with 212 originations, totaling $31,780,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 242 | $52,380,000 | $216,446 |
| 60-80% | 92 | $20,750,000 | $225,543 |
| Under 20% | 49 | $2,275,000 | $46,429 |
| 20-40% | 48 | $4,280,000 | $89,167 |
| 40-60% | 41 | $6,345,000 | $154,756 |
| Over 100% | 11 | $3,305,000 | $300,455 |
Rolla's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 242 originations, totaling $52,380,000 in origination value.