Missouri USDA Loan Rates, Closing Costs & Stats

Missouri

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    • 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.

    Missouri USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Missouri averaged 6.67% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Missouri's average USDA mortgage closing costs are $4,332.

    The average rate for the prior week (2025-03-28) was 6.83% and one month ago for the week of 2025-02-28, the average rate was 6.48%.

    The average rate one year ago was 7.04%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.46%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Missouri 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 Missouri level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    FLAT BRANCH MORTGAGE, INC. 489 6.63% $4,816
    GUILD MORTGAGE COMPANY 285 6.53% $6,089
    DAS Acquisition Company, LLC 277 6.79% $6,012
    Flanagan State Bank 116 6.73% $6,792
    GERSHMAN INVESTMENT CORP. 71 6.51% $4,898
    The Central Trust Bank 67 6.39% $4,996
    Flagstar Bank, FSB 46 6.76% $4,873
    Midwest Mortgage Associates Corporation 46 6.41% $2,717
    First State Community Bank 40 6.11% $4,669
    PRIMELENDING, A PLAINSCAPITAL COMPANY 40 6.41% $5,970
    THOMPSON KANE & COMPANY, LLC 35 6.40% $5,096
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 27 6.60% $6,146
    COMMUNITY MORTGAGE, LLC 25 6.13% $5,215
    UNITED WHOLESALE MORTGAGE, LLC 25 6.33% $6,747
    Equity Prime Mortgage LLC 23 6.54% $5,886
    Paramount Residential Mortgage Group, Inc. 23 6.66% $5,974
    Gateway First Bank 22 6.55% $4,972
    BROKER SOLUTIONS, INC. 21 6.55% $6,359
    Mortgage Research Center, LLC 21 6.66% $2,465
    GENEVA FINANCIAL, LLC 20 6.70% $6,034
    Southern Bank 18 6.64% $4,225
    Great Southern Bank 15 6.42% $4,830
    PLAZA HOME MORTGAGE, INC. 15 6.56% $5,497
    NEWREZ LLC 14 6.50% $5,384
    MID AMERICA MORTGAGE, INC. 12 6.77% $4,556
    Arvest Bank 12 6.88% $4,715
    AMERICAN PACIFIC MORTGAGE CORPORATION 12 6.76% $5,911
    First State Bank of St. Charles, Missouri 11 5.90% $6,096
    UNION HOME MORTGAGE CORP. 11 6.50% $6,989
    LEADERONE FINANCIAL CORPORATION 10 6.57% $6,299
    Community National Bank & Trust 10 6.72% $5,556
    Community Mortgage Banc Corporation 9 6.38% $3,762
    NBH Bank 8 6.73% $3,306
    TOWNE MORTGAGE COMPANY 8 6.78% $7,302
    U.S. Bank 8 6.25% $4,188
    GUARANTEED RATE, INC. 7 6.64% $5,612
    CROSSCOUNTRY MORTGAGE, LLC 7 6.52% $6,335
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 7 7.13% $3,188
    Sullivan Bank 6 6.42% $5,142
    DELMAR FINANCIAL COMPANY 6 7.00% $5,450
    Hawthorn Bank 6 6.08% $4,575
    American Mortgage & Equity Consultants, Inc. 6 6.77% $6,919
    Oakstar Bank 5 6.48% $4,679
    PLANET HOME LENDING, LLC 5 6.83% $4,448
    CITY FIRST MORTGAGE SERVICES, L.L.C. 5 6.33% $9,546
    Regions Bank 5 6.80% $5,635
    HOMESIDE FINANCIAL, LLC 5 6.58% $7,597
    BancorpSouth 4 6.06% $5,723
    SUN WEST MORTGAGE COMPANY, INC. 4 6.44% $10,385
    COMMUNITYAMERICA 4 6.75% $8,829
    AMERICAN FINANCIAL RESOURCES, INC. 4 5.75% $6,886
    Mortgage Investment Services Corporation 4 7.00% $3,264
    Ameris Bank 4 6.31% $4,472
    Sierra Pacific Mortgage Company, Inc. 3 6.08% $5,784
    ENDEAVOR CAPITAL, LLC. 3 5.67% $5,850
    Simmons Bank 3 6.46% $3,876
    HNB National Bank 3 6.83% $3,167
    Century Mortgage Company DBA Century Lending Company 3 6.21% $4,651
    Centennial Bank 3 6.08% $6,320
    Plains Commerce Bank 3 6.79% $5,781
    SUMMIT FUNDING, INC. 3 6.29% $6,910
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 7.04% $5,144
    First Community Bank 3 6.16% $6,403
    FAMILY FINANCE MORTGAGE, LLC 3 7.04% $6,211
    EVERETT FINANCIAL, INC. 3 6.42% $6,023
    Equity Bank 3 6.00% $4,393
    Bell Bank 2 6.31% $5,608
    Armed Forces Bank 2 6.44% $4,490
    ASSEMBLIES OF GOD Credit Union 2 6.44% $4,127
    Bank of England 2 6.38% $6,265
    BAYSHORE MORTGAGE FUNDING, LLC 2 6.31% $5,750
    CARDINAL FINANCIAL 2 6.69% $4,207
    Carrington Mortgage Services, LLC 2 6.19% $6,159
    CHURCHILL MORTGAGE CORPORATION 2 6.56% $5,578
    CMG MORTGAGE, INC. 2 6.31% $4,708
    Cornerstone First Mortgage, Inc 2 6.56% $6,521
    First Mid Bank & Trust 2 5.69% $3,859
    HALLMARK HOME MORTGAGE, LLC 2 6.37% $7,274
    Ixonia Bank 2 6.19% $9,345
    Landmark National Bank 2 6.13% $4,539
    Magnolia Bank 2 6.88% $3,722
    MEGASTAR FINANCIAL CORP. 2 6.31% $5,062
    Members Mortgage Services, L.L.C. 2 6.31% $4,574
    Mid-Continent Funding, Inc. 2 6.31% $6,824
    Midland States Bank 2 6.81% $4,365
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.75% $6,093
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 7.06% $7,223
    Stifel Bank and Trust 2 6.31% $4,642
    UMB Bank 2 5.56% $5,626
    United Bank of Union 2 7.13% $3,815
    VILLAGE CAPITAL MORTGAGE 2 6.31% $10,185
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.25% $2,581
    Midwest BankCentre 1 5.75% $4,902
    LOANDEPOT.COM, LLC 1 5.75% $5,622
    Waterstone Mortgage Corporation 1 6.63% $5,650
    Barrington Bank & Trust Company, N.A. 1 7.25% $4,850
    Integrity Home Mortgage Corp 1 5.75% $7,438
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.87% $3,906
    ROYAL UNITED MORTGAGE LLC 1 7.25% $8,263
    Servion, Inc. 1 6.63% $3,554
    FREEDOM MORTGAGE CORPORATION 1 6.50% $7,974
    First National Bank of Omaha 1 7.13% $4,736
    First Interstate Bank 1 6.50% $3,768
    SOUTHWEST FUNDING, LP 1 6.25% $6,639
    Springfield First Community Bank 1 7.50% $7,212
    American Mortgage Bank, LLC 1 7.25% $8,074
    FIRST HERITAGE FINANCIAL, LLC 1 6.88% $5,122
    First Federal Bank 1 6.25% $7,528
    FIRST COMMUNITY MORTGAGE, INC. 1 7.13% $5,571
    T2 FINANCIAL LLC 1 6.13% $5,621
    Eagle Bank and Trust Company 1 6.38% $4,457
    The Loan Store, Inc. 1 6.13% $7,663
    Commerce Bank 1 7.63% $2,591
    TIB The Independent Bankersbank 1 6.75% $5,073
    AMERICAN FINANCIAL NETWORK, INC. 1 6.75% $5,101
    TruHome Solutions, LLC 1 5.63% $6,581
    U S WIDE FINANCIAL LLC 1 6.50% $7,400
    BAY EQUITY LLC 1 6.38% $5,920
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.99% $4,559
    ON Q FINANCIAL, INC. 1 6.25% $5,110
    OPEN MORTGAGE, LLC 1 6.75% $7,622
    Paramount Bank 1 6.13% $6,475
    Nations Lending Corporation 1 7.13% $1,580
    PENNYMAC LOAN SERVICES, LLC 1 5.63% $4,179

    The top Missouri USDA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 489 USDA loans originated. Their average total fees are $4,816, which is $1,274 lower than the next largest lender, GUILD MORTGAGE COMPANY.

    The lowest fee Missouri USDA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($2,465), Midwest Mortgage Associates Corporation ($2,717), Southern Bank ($4,225), MID AMERICA MORTGAGE, INC. ($4,556) and First State Community Bank ($4,669).

    The lowest rate Missouri USDA lenders (with over 10 loans originated) are First State Bank of St. Charles, Missouri (5.90%), First State Community Bank (6.11%), COMMUNITY MORTGAGE, LLC (6.13%), UNITED WHOLESALE MORTGAGE, LLC (6.33%) and The Central Trust Bank (6.39%).