Warrensburg Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Warrensburg averaged
6.85%
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
7.18% and
one month ago for the week of 2025-05-15, the
average rate was 6.95%.
Warrensburg's average rate one year ago was 7.29%.
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% |
| Warrensburg 30 Year Fixed Rate | 2025-06-18 | 6.85% |
| Warrensburg 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Warrensburg 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Warrensburg 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Warrensburg 30 Year FHA | 2025-06-18 | 0.35% |
| Warrensburg 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Warrensburg 30 Year USDA | 2025-06-18 | 0.2% |
| Warrensburg 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Warrensburg 30 Year VA | 2025-06-18 | 0.23% |
| Warrensburg 30 Year VA Refi | 2025-06-18 | -0.82% |
Warrensburg 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 Warrensburg, 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.).
Warrensburg Average Closing Costs & Other Stats
Warrensburg, MO's 77 lenders originated 1,389
loans during 2024. The total origination value was $336,995,000, with an average loan value of
$242,617.
Warrensburg's average closing costs are $4,713.
The top Warrensburg lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
63 loans originated. Their average total fees are
$3,287, which is $708
higher than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee Warrensburg lenders (with over 10 loans originated) are
Midwest Mortgage Associates Corporation ($2,415), The Central Trust Bank ($2,567), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($2,579), FLAT BRANCH MORTGAGE, INC. ($3,287) and QUICKEN LOANS, LLC ($6,293).
The lowest rate Warrensburg lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. (6.76%), QUICKEN LOANS, LLC (6.81%), The Central Trust Bank (7.03%), Midwest Mortgage Associates Corporation (7.04%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (7.07%).
Warrensburg, 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. | $26,490,000 | $34,760,000 | 31.2% | 10.3% |
| F & C Bank | $23,980,000 | $28,780,000 | 20.0% | 8.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $22,740,000 | $20,780,000 | -8.6% | 6.2% |
| Midwest Mortgage Associates Corporation | $15,000,000 | $19,660,000 | 31.1% | 5.8% |
| The Central Trust Bank | $12,600,000 | $15,320,000 | 21.6% | 4.5% |
| Mortgage Research Center, LLC | $10,060,000 | $13,930,000 | 38.5% | 4.1% |
| Community National Bank & Trust | $7,340,000 | $11,745,000 | 60.0% | 3.5% |
| HomeStreet Bank | $11,105,000 | n/a | 3.3% | |
| QUICKEN LOANS, LLC | $8,620,000 | $10,970,000 | 27.3% | 3.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,425,000 | $9,995,000 | 125.9% | 3.0% |
| PENNYMAC LOAN SERVICES, LLC | $2,175,000 | $8,805,000 | 304.8% | 2.6% |
| Enterprise Bank & Trust | $7,605,000 | n/a | 2.3% | |
| FREEDOM MORTGAGE CORPORATION | $1,280,000 | $7,415,000 | 479.3% | 2.2% |
| Bank of Odessa | $6,585,000 | $7,055,000 | 7.1% | 2.1% |
| COMMUNITYAMERICA | $3,595,000 | $5,280,000 | 46.9% | 1.6% |
| NAVY FEDERAL CREDIT UNION | $4,795,000 | $4,890,000 | 2.0% | 1.5% |
| COMMUNITY MORTGAGE, LLC | $3,555,000 | $4,845,000 | 36.3% | 1.4% |
| Equity Bank | $2,870,000 | $4,485,000 | 56.3% | 1.3% |
| Mortgage Investment Services Corporation | $245,000 | $4,300,000 | 1,655.1% | 1.3% |
| NBKC BANK | $1,860,000 | $3,460,000 | 86.0% | 1.0% |
| Prosperity Home Mortgage, LLC | $2,200,000 | $3,250,000 | 47.7% | 1.0% |
| USAA Federal Savings Bank | $3,430,000 | $3,205,000 | -6.6% | 1.0% |
| LOANDEPOT.COM, LLC | $2,020,000 | $2,775,000 | 37.4% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,700,000 | $2,675,000 | 57.4% | 0.8% |
| VILLAGE CAPITAL MORTGAGE | $450,000 | $2,585,000 | 474.4% | 0.8% |
| U.S. Bank | $1,595,000 | $2,445,000 | 53.3% | 0.7% |
| SUMMIT FUNDING, INC. | $3,450,000 | $2,120,000 | -38.6% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,130,000 | $1,965,000 | 73.9% | 0.6% |
| NEWREZ LLC | $940,000 | $1,960,000 | 108.5% | 0.6% |
| First State Bank of St. Charles, Missouri | $570,000 | $1,850,000 | 224.6% | 0.5% |
| Waterstone Mortgage Corporation | $225,000 | $1,835,000 | 715.6% | 0.5% |
| CMG MORTGAGE, INC. | $1,070,000 | $1,790,000 | 67.3% | 0.5% |
| Gateway First Bank | $1,115,000 | $1,725,000 | 54.7% | 0.5% |
| LEADERONE FINANCIAL CORPORATION | $2,965,000 | $1,650,000 | -44.4% | 0.5% |
| First Federal Bank of Kansas City | $610,000 | $1,620,000 | 165.6% | 0.5% |
| GENEVA FINANCIAL, LLC | $1,275,000 | $1,460,000 | 14.5% | 0.4% |
| R-G Federal Credit Union | $795,000 | $1,400,000 | 76.1% | 0.4% |
| MEGASTAR FINANCIAL CORP. | $195,000 | $1,385,000 | 610.3% | 0.4% |
| Arvest Bank | $1,315,000 | $1,365,000 | 3.8% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $440,000 | $1,340,000 | 204.5% | 0.4% |
| Alliant Bank | $1,285,000 | n/a | 0.4% | |
| M&T Bank | $1,285,000 | n/a | 0.4% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,255,000 | n/a | 0.4% | |
| Regions Bank | $1,235,000 | n/a | 0.4% | |
| Simmons Bank | $1,200,000 | n/a | 0.4% | |
| CENTRAL MISSOURI COMMUNITY CREDIT UNION | $420,000 | $1,120,000 | 166.7% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,520,000 | $1,085,000 | -56.9% | 0.3% |
| NEW DAY FINANCIAL, LLC | $1,170,000 | $1,060,000 | -9.4% | 0.3% |
| GUILD MORTGAGE COMPANY | $1,210,000 | $1,040,000 | -14.0% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,030,000 | n/a | 0.3% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,030,000 | n/a | 0.3% | |
| Flagstar Bank, FSB | $325,000 | $1,025,000 | 215.4% | 0.3% |
| Country Club Bank | $530,000 | $965,000 | 82.1% | 0.3% |
| Magnolia Bank | $395,000 | $965,000 | 144.3% | 0.3% |
| Equity Prime Mortgage LLC | $935,000 | n/a | 0.3% | |
| First Bank | $1,410,000 | $935,000 | -33.7% | 0.3% |
| Discover Bank | $555,000 | $920,000 | 65.8% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $640,000 | $915,000 | 43.0% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $2,200,000 | $870,000 | -60.5% | 0.3% |
| Stride Bank | $870,000 | n/a | 0.3% | |
| Commerce Bank | $925,000 | $855,000 | -7.6% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $460,000 | $855,000 | 85.9% | 0.3% |
| JLB CORPORATION | $830,000 | n/a | 0.2% | |
| Hawthorn Bank | $2,005,000 | $815,000 | -59.4% | 0.2% |
| First Federal Bank | $205,000 | $785,000 | 282.9% | 0.2% |
| UMB Bank | $1,175,000 | $785,000 | -33.2% | 0.2% |
| NexBank | $775,000 | n/a | 0.2% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $840,000 | $775,000 | -7.7% | 0.2% |
| CARDINAL FINANCIAL | $1,565,000 | $765,000 | -51.1% | 0.2% |
| BROKER SOLUTIONS, INC. | $535,000 | $755,000 | 41.1% | 0.2% |
| Academy Bank | $715,000 | n/a | 0.2% | |
| Landmark National Bank | $1,420,000 | $710,000 | -50.0% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $225,000 | $695,000 | 208.9% | 0.2% |
| The Federal Savings Bank | $830,000 | $690,000 | -16.9% | 0.2% |
| Bell Bank | $680,000 | n/a | 0.2% | |
| DAS Acquisition Company, LLC | $735,000 | $655,000 | -10.9% | 0.2% |
| Wood & Huston Bank | $1,340,000 | $650,000 | -51.5% | 0.2% |
| Sunflower Bank | $645,000 | n/a | 0.2% | |
| Wells Fargo Bank | $715,000 | $645,000 | -9.8% | 0.2% |
| LOANPAL, LLC | $390,000 | $635,000 | 62.8% | 0.2% |
| S1L, Inc. | $225,000 | $620,000 | 175.6% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $335,000 | $615,000 | 83.6% | 0.2% |
| VERIDIAN CREDIT UNION | $605,000 | n/a | 0.2% | |
| GERSHMAN INVESTMENT CORP. | $570,000 | n/a | 0.2% | |
| JPMorgan Chase Bank | $1,090,000 | $550,000 | -49.5% | 0.2% |
| Old National Bank | $545,000 | n/a | 0.2% | |
| First National Bank of Omaha | $540,000 | n/a | 0.2% | |
| FARMERS STATE BANK, S/B | $485,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $215,000 | $480,000 | 123.3% | 0.1% |
| Members Mortgage Services, L.L.C. | $470,000 | n/a | 0.1% | |
| The Bank of Missouri | $470,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $1,170,000 | $460,000 | -60.7% | 0.1% |
| 21ST MORTGAGE CORPORATION | $255,000 | $445,000 | 74.5% | 0.1% |
| First Savings Bank | $590,000 | $445,000 | -24.6% | 0.1% |
| PREMIA MORTGAGE, LLC | $435,000 | n/a | 0.1% | |
| Community First National Bank | $405,000 | $415,000 | 2.5% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $1,535,000 | $410,000 | -73.3% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $390,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $1,495,000 | $370,000 | -75.3% | 0.1% |
| GUARANTEED RATE, INC. | $290,000 | $365,000 | 25.9% | 0.1% |
| North American Savings Bank, F.S.B. | $430,000 | $355,000 | -17.4% | 0.1% |
| SCOTT CREDIT UNION | $355,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $965,000 | $355,000 | -63.2% | 0.1% |
| Midwest Heritage Bank FSB | $340,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $340,000 | n/a | 0.1% | |
| FAMILY FINANCE MORTGAGE, LLC | $335,000 | n/a | 0.1% | |
| Centennial Bank | $330,000 | n/a | 0.1% | |
| FCS Financial FLCA | $1,145,000 | $330,000 | -71.2% | 0.1% |
| DELMAR FINANCIAL COMPANY | $580,000 | $325,000 | -44.0% | 0.1% |
| Servion, Inc. | $325,000 | n/a | 0.1% | |
| Old Missouri Bank | $305,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $365,000 | $305,000 | -16.4% | 0.1% |
| PLANET HOME LENDING, LLC | $535,000 | $305,000 | -43.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $510,000 | $285,000 | -44.1% | 0.1% |
| Home Mortgage Alliance Corp | $285,000 | n/a | 0.1% | |
| Union Bank and Trust Company | $9,105,000 | $285,000 | -96.9% | 0.1% |
| PEOPLES BANK & TRUST CO. | $275,000 | n/a | 0.1% | |
| Presidential Bank, FSB | $275,000 | n/a | 0.1% | |
| Fidelity Bank | $175,000 | $265,000 | 51.4% | 0.1% |
| BMO Harris Bank | $55,000 | $255,000 | 363.6% | 0.1% |
| PREFERRED BANK | $250,000 | n/a | 0.1% | |
| Citizens State Bank of Cheney | $245,000 | n/a | 0.1% | |
| NBH Bank | $480,000 | $245,000 | -49.0% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $245,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $245,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $245,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $235,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $460,000 | $235,000 | -48.9% | 0.1% |
| ON Q FINANCIAL, INC. | $335,000 | $235,000 | -29.9% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $225,000 | n/a | 0.1% | |
| Mid-Continent Funding, Inc. | $215,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $535,000 | $195,000 | -63.6% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $195,000 | n/a | 0.1% | |
| First Horizon Bank | $195,000 | n/a | 0.1% | |
| FIRST INTEGRITY MORTGAGE SERVICES, INC. | $195,000 | n/a | 0.1% | |
| FIRST COMMUNITY MORTGAGE, INC. | $450,000 | $185,000 | -58.9% | 0.1% |
| LENDSURE MORTGAGE CORP. | $175,000 | n/a | 0.1% | |
| Truist | $175,000 | n/a | 0.1% | |
| Carrollton Bank | $165,000 | n/a | 0.0% | |
| Bank of America | $465,000 | $160,000 | -65.6% | 0.0% |
| Mazuma Credit Union | $380,000 | $155,000 | -59.2% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $155,000 | n/a | 0.0% | |
| First National Bank of America | $145,000 | n/a | 0.0% | |
| Community Mortgage Banc Corporation | $2,265,000 | $135,000 | -94.0% | 0.0% |
| HNB National Bank | $135,000 | n/a | 0.0% | |
| MAINSTREET FEDERAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $295,000 | $130,000 | -55.9% | 0.0% |
| Plains Commerce Bank | $325,000 | $125,000 | -61.5% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $115,000 | n/a | 0.0% | |
| VANTAGE Credit Union | $105,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $180,000 | $75,000 | -58.3% | 0.0% |
| Transportation Federal Credit Union | $75,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $65,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $35,000 | $65,000 | 85.7% | 0.0% |
| ASSEMBLIES OF GOD Credit Union | $35,000 | $45,000 | 28.6% | 0.0% |
| River Region Credit Union | $45,000 | $35,000 | -22.2% | 0.0% |
| GREATER KC PUBLIC SAFETY CREDIT UNION | $45,000 | $5,000 | -88.9% | 0.0% |
Warrensburg's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 10.3% market share. In second place, with 8.5%, is F & C Bank, having originated $28,780,000 in loans. In third place, with 6.2%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $20,780,000 in loans. In fourth place, with 5.8%, is Midwest Mortgage Associates Corporation, having originated $19,660,000 in loans. In fifth place, with 4.5%, is The Central Trust Bank, having originated $15,320,000 in loans.
Warrensburg, MO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 850 | $228,730,000 | $269,094 |
| Refi | 187 | $49,245,000 | $263,342 |
| Cash Out Refi | 174 | $44,990,000 | $258,563 |
| Home Improvement | 99 | $8,535,000 | $86,212 |
| Other | 79 | $5,495,000 | $69,557 |
Warrensburg's most frequently cited loan purpose was Home Purchase, with 850 originations. The 2nd most popular reason was Refi, with 187 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 585 | $146,745,000 | $250,846 |
| 5-6% | 202 | $62,930,000 | $311,535 |
| 7-8% | 188 | $49,390,000 | $262,713 |
| Over 8% | 150 | $17,110,000 | $114,067 |
| 4-5% | 27 | $6,025,000 | $223,148 |
| <2.5% | 10 | $930,000 | $93,000 |
| 2.5-3% | 9 | $1,925,000 | $213,889 |
| 3-4% | 5 | $825,000 | $165,000 |
During 2024, Warrensburg's most frequently originated rate bucket was 6-7%, with 585 originations.
Loan Sizing (Warrensburg, MO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 648 | $183,090,000 | $282,546 |
| $100k-200k | 353 | $54,075,000 | $153,187 |
| $100,000 or less | 267 | $14,715,000 | $55,112 |
| $400k-600k | 94 | $42,920,000 | $456,596 |
| $600k-1000k | 18 | $12,890,000 | $716,111 |
| $Over $1MM | 9 | $29,305,000 | $3,256,111 |
Warrensburg's loan sizing saw the bucket of loans from $200k-400k with 648 originations, totaling $183,090,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 519 | $142,215,000 | $274,017 |
| 60-80% | 211 | $68,625,000 | $325,237 |
| Under 20% | 109 | $6,605,000 | $60,596 |
| 20-40% | 104 | $10,880,000 | $104,615 |
| Over 100% | 103 | $30,785,000 | $298,883 |
| 40-60% | 92 | $16,290,000 | $177,065 |
Warrensburg's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 519 originations, totaling $142,215,000 in origination value.