Missouri VA Loan Rates, Closing Costs & Stats

Missouri

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Missouri VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Missouri averaged 6.59% for the week of 2025-04-11, compared to the national average (all VA variants) of 6.292% for the same period.

    Missouri's average VA mortgage closing costs are $5,125.

    The average rate for the prior week (2025-04-04) was 6.53% and one month ago for the week of 2025-03-07, the average rate was 6.51%.

    The average rate one year ago was 7.12%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.58%.

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

    Missouri VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 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
    Mortgage Research Center, LLC 2,167 6.39% $4,938
    FLAT BRANCH MORTGAGE, INC. 717 6.56% $7,128
    UNITED WHOLESALE MORTGAGE, LLC 584 6.05% $5,649
    PENNYMAC LOAN SERVICES, LLC 526 5.71% $6,291
    FREEDOM MORTGAGE CORPORATION 508 6.22% $6,310
    QUICKEN LOANS, LLC 483 6.13% $9,511
    NAVY FEDERAL CREDIT UNION 320 5.92% $5,044
    VILLAGE CAPITAL MORTGAGE 273 5.74% $5,980
    GUILD MORTGAGE COMPANY 248 6.58% $7,741
    DAS Acquisition Company, LLC 227 6.76% $5,436
    NEWREZ LLC 222 6.11% $6,416
    USAA Federal Savings Bank 219 6.26% $6,454
    NEW DAY FINANCIAL, LLC 208 7.46% $10,198
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 174 6.46% $5,000
    BROKER SOLUTIONS, INC. 126 6.78% $8,032
    PRIMELENDING, A PLAINSCAPITAL COMPANY 116 6.57% $5,126
    MORTGAGE SOLUTIONS OF COLORADO, LLC 111 7.05% $3,384
    GERSHMAN INVESTMENT CORP. 109 6.71% $5,206
    LOANDEPOT.COM, LLC 98 6.19% $8,282
    CROSSCOUNTRY MORTGAGE, LLC 98 6.26% $6,659
    The Federal Savings Bank 94 6.43% $14,627
    PLANET HOME LENDING, LLC 93 5.98% $3,269
    The Central Trust Bank 91 6.56% $7,518
    Midwest Mortgage Associates Corporation 87 6.42% $5,486
    COMMUNITY MORTGAGE, LLC 87 6.16% $6,032
    NBKC BANK 85 5.92% $6,535
    LAKEVIEW LOAN SERVICING, LLC 76 5.84% $5,324
    Mr. Cooper ( Nationstar Mortgage ) 67 6.26% $7,527
    LEADERONE FINANCIAL CORPORATION 67 6.58% $8,732
    MUTUAL OF OMAHA MORTGAGE, INC. 64 6.25% $14,447
    Prosperity Home Mortgage, LLC 60 6.06% $6,657
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 60 6.40% $5,135
    Flagstar Bank, FSB 55 6.54% $5,753
    First State Bank of St. Charles, Missouri 53 6.21% $7,011
    FAMILY FINANCE MORTGAGE, LLC 44 6.49% $7,326
    GUARANTEED RATE, INC. 43 6.31% $4,182
    COMMUNITYAMERICA 42 6.38% $5,829
    Stifel Bank and Trust 42 6.07% $5,888
    ENDEAVOR CAPITAL, LLC. 41 6.31% $6,809
    First Federal Bank 41 5.96% $6,066
    Barrington Bank & Trust Company, N.A. 40 6.38% $5,046
    GUARANTEED RATE AFFINITY, LLC 40 6.35% $4,397
    Armed Forces Bank 39 6.25% $7,175
    AMERICAN PACIFIC MORTGAGE CORPORATION 38 6.45% $6,887
    Arvest Bank 38 6.34% $4,277
    Mid-Continent Funding, Inc. 37 6.07% $5,583
    HOMEBRIDGE FINANCIAL SERVICES, INC. 37 6.42% $2,144
    U.S. Bank 36 6.41% $6,564
    Carrington Mortgage Services, LLC 34 6.04% $9,059
    Equity Prime Mortgage LLC 32 6.77% $5,332
    SUN WEST MORTGAGE COMPANY, INC. 32 6.08% $6,687
    GENEVA FINANCIAL, LLC 31 6.71% $5,217
    CARDINAL FINANCIAL 27 6.62% $11,419
    Gateway First Bank 26 6.72% $5,074
    HOMESIDE FINANCIAL, LLC 25 6.46% $11,064
    First Bank 24 6.49% $6,733
    Great Southern Bank 24 6.25% $4,780
    DELMAR FINANCIAL COMPANY 23 6.58% $5,420
    Bell Bank 23 6.32% $4,543
    Paramount Residential Mortgage Group, Inc. 23 6.42% $7,736
    PENTAGON FEDERAL CREDIT UNION 22 6.11% $6,870
    Magnolia Bank 22 6.02% $13,074
    CMG MORTGAGE, INC. 19 6.31% $9,484
    LOANPAL, LLC 18 6.19% $11,443
    SUMMIT FUNDING, INC. 18 6.51% $7,196
    MID AMERICA MORTGAGE, INC. 18 6.62% $3,276
    AMERISAVE MORTGAGE CORPORATION 18 6.01% $15,842
    Flanagan State Bank 18 6.50% $2,908
    Stride Bank 17 6.36% $7,722
    TOWNE MORTGAGE COMPANY 17 6.69% $8,691
    Plains Commerce Bank 15 6.44% $6,567
    BancorpSouth 15 6.12% $5,202
    Nations Lending Corporation 15 6.95% $7,455
    MEGASTAR FINANCIAL CORP. 15 6.40% $6,274
    EVERETT FINANCIAL, INC. 14 6.81% $6,369
    Ameris Bank 14 6.37% $7,136
    PLAZA HOME MORTGAGE, INC. 14 6.48% $6,062
    VANDERBILT MORTGAGE AND FINANCE, INC. 13 5.80% $7,222
    Paramount Bank 13 6.49% $6,920
    Hawthorn Bank 12 5.96% $3,712
    North American Savings Bank, F.S.B. 12 6.01% $8,858
    PREMIER MORTGAGE RESOURCES, L.L.C. 12 6.54% $6,055
    Ixonia Bank 12 6.25% $7,236
    CITY FIRST MORTGAGE SERVICES, L.L.C. 11 6.80% $7,279
    Mortgage Investment Services Corporation 11 6.53% $3,900
    UNION HOME MORTGAGE CORP. 11 6.33% $5,284
    Texana Bank 11 6.41% $13,494
    First Horizon Bank 10 6.20% $5,474
    American Mortgage & Equity Consultants, Inc. 10 6.65% $8,164
    AmeriHome Mortgage Company, LLC 10 6.22% $4,661
    ASSEMBLIES OF GOD Credit Union 10 5.88% $4,439
    MOVEMENT MORTGAGE, LLC 9 6.33% $5,613
    PHH Mortgage Corporation 9 5.89% $5,954
    Waterstone Mortgage Corporation 9 6.40% $10,351
    HALLMARK HOME MORTGAGE, LLC 9 6.46% $8,116
    JPMorgan Chase Bank 9 6.19% $7,739
    AMERICAN FINANCIAL NETWORK, INC. 8 6.39% $13,383
    Oakstar Bank 8 6.13% $4,966
    BAYSHORE MORTGAGE FUNDING, LLC 8 6.88% $8,787
    PREMIA MORTGAGE, LLC 8 5.97% $3,091
    AMERICAN FINANCIAL RESOURCES, INC. 8 7.08% $6,252
    Springfield First Community Bank 8 6.20% $11,571
    Midwest BankCentre 7 6.39% $11,249
    Servion, Inc. 7 6.50% $7,046
    Regions Bank 7 6.25% $9,556
    CANOPY MORTGAGE, LLC 7 6.21% $14,043
    AMERICAN FINANCING CORPORATION 7 6.05% $12,028
    NFM, INC. 7 6.82% $10,928
    Community National Bank & Trust 6 6.46% $5,887
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 6 6.63% $5,046
    Century Mortgage Company DBA Century Lending Company 6 5.79% $6,784
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 6 6.00% $7,905
    Carrollton Bank 6 6.46% $5,396
    American Mortgage Bank, LLC 6 6.85% $6,400
    Commerce Bank 5 7.03% $5,946
    ZILLOW HOME LOANS, LLC 5 6.15% $6,657
    Simmons Bank 5 6.15% $4,511
    S1L, Inc. 5 6.25% $13,843
    ACCESS CAPITAL FUNDING, L.L.C. 5 6.33% $6,163
    ENVOY MORTGAGE, LTD 5 6.58% $7,457
    FRONTIER FINANCIAL, INC. 5 6.78% $4,946
    THOMPSON KANE & COMPANY, LLC 5 5.95% $6,307
    OPEN MORTGAGE, LLC 5 6.60% $15,555
    ROYAL UNITED MORTGAGE LLC 5 6.68% $12,683
    R-G Federal Credit Union 5 6.25% $14,610
    VICTORY MORTGAGE, L.L.C. 5 6.18% $5,285
    Mazuma Credit Union 5 6.33% $7,044
    Members Mortgage Services, L.L.C. 5 6.70% $5,428
    PNC Bank 4 6.72% $3,241
    BAY EQUITY LLC 4 6.81% $8,357
    CHURCHILL MORTGAGE CORPORATION 4 6.84% $11,852
    Community Mortgage Banc Corporation 4 6.59% $4,459
    Cornerstone First Mortgage, Inc 4 6.56% $7,310
    NBH Bank 4 5.81% $3,387
    ON Q FINANCIAL, INC. 4 6.25% $7,657
    Academy Bank 4 6.31% $5,941
    SCOTT CREDIT UNION 4 6.22% $12,377
    T2 FINANCIAL LLC 4 6.50% $5,299
    TOP FLITE FINANCIAL, INC. 4 6.81% $14,540
    UMB Bank 4 6.56% $7,176
    Wells Fargo Bank 4 6.44% $7,020
    LENOX FINANCIAL MORTGAGE CORPORATION 3 5.42% $3,474
    Golden Empire Mortgage, Inc. 3 6.54% $3,603
    First Federal Bank of Kansas City 3 6.54% $14,227
    Bank of Springfield 3 5.83% $7,000
    Sierra Pacific Mortgage Company, Inc. 3 6.33% $7,061
    First National Bank of Omaha 3 6.21% $8,150
    Bank of England 3 6.50% $9,510
    M&T Bank 3 6.17% $6,576
    ALLIANT CREDIT UNION 3 6.13% $8,099
    CALCON MUTUAL MORTGAGE LLC 3 7.00% $16,540
    Southwest Missouri Bank 2 6.69% $7,708
    Goldwater Bank, N.A. 2 7.62% $18,315
    Sunflower Bank 2 6.31% $7,290
    Bank of America 2 7.19% $7,730
    CIBC Bank USA 2 5.44% $3,581
    First Community Bank 2 6.31% $5,967
    First Western Trust Bank 2 5.25% $4,136
    FIRST HERITAGE FINANCIAL, LLC 2 7.06% $5,673
    Old National Bank 2 5.63% $9,898
    NP, Inc. 2 6.88% $7,437
    Midland States Bank 2 6.25% $16,134
    MICHIGAN MUTUAL, INC. 2 6.38% $8,624
    Capital Bank 2 6.19% $5,183
    SIRVA MORTGAGE, INC. 2 6.50% $6,075
    ENCORE BANK 1 6.00% $9,594
    ALLTRU Federal Credit Union 1 6.50% $19,742
    SeaTrust Mortgage Company 1 7.00% $2,374
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.75% $9,000
    Service Federal Credit Union 1 5.63% $2,829
    DHI MORTGAGE COMPANY, LTD. 1 4.99% $11,851
    CORNERSTONE HOME LENDING, INC. 1 6.63% $9,781
    Core Bank 1 6.25% $4,090
    CHARTER WEST BANK 1 6.25% $13,945
    Centennial Bank 1 6.13% $11,256
    Busey Bank 1 7.25% $2,404
    BETTER MORTGAGE CORPORATION 1 6.50% $5,452
    The Huntington National Bank 1 6.50% $10,604
    BANKSOUTH MORTGAGE COMPANY, LLC 1 6.75% $8,759
    ALAMEDA MORTGAGE CORPORATION 1 6.63% $12,934
    TruHome Solutions, LLC 1 6.13% $11,002
    Truist 1 6.75% $3,188
    Willamette Valley Bank 1 6.25% $5,846
    BANK OF LITTLE ROCK MORTGAGE CORPORATION 1 6.63% $5,611
    United Community Bank 1 7.63% $4,168
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 7.13% $2,679
    US MORTGAGE CORPORATION 1 6.75% $4,208
    MORTGAGEONE, INC. 1 5.63% $10,489
    Merchants Bank of Indiana 1 5.63% $823
    MAINSTREET FEDERAL CREDIT UNION 1 6.88% $4,384
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.25% $8,511
    Associated Bank 1 6.13% $9,950
    Integrity Home Mortgage Corp 1 6.25% $3,549
    Home Mortgage Alliance Corp 1 6.25% $24,186
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.12% $6,892
    NexBank 1 6.00% $9,657
    Frontier Bank 1 6.25% $2,885
    VERIDIAN CREDIT UNION 1 7.13% $2,106
    First National Bank Texas 1 6.38% $9,085
    First National Bank and Trust Company 1 6.13% $2,837
    FIRST MORTGAGE COMPANY, INC. 1 6.25% $8,255
    First Mid Bank & Trust 1 6.13% $2,514
    Pinnacle Bank 1 6.63% $3,470
    First Federal Bank 1 7.13% $8,134
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.63% $105
    FIRST COMMUNITY MORTGAGE, INC. 1 6.38% $720
    Presidential Bank, FSB 1 6.25% $13,833
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.50% $6,991
    First-Citizens Bank & Trust Company 1 5.75% $12,225
    First Bank 1 6.75% $11,774
    FCB Banks 1 5.63% $7,794
    Farmers Bank & Trust 1 6.38% $1,754
    Renasant Bank 1 6.75% $10,217
    Evolve Bank & Trust 1 6.75% $747
    EVANSVILLE TEACHERS 1 6.50% $6,472

    The top Missouri VA lender as defined by loan originations is Mortgage Research Center, LLC, with 2,167 VA loans originated. Their average total fees are $4,938, which is $2,189 lower than the next largest lender, FLAT BRANCH MORTGAGE, INC..

    The lowest fee Missouri VA lenders (with over 10 loans originated) are HOMEBRIDGE FINANCIAL SERVICES, INC. ($2,144), Flanagan State Bank ($2,908), PLANET HOME LENDING, LLC ($3,269), MID AMERICA MORTGAGE, INC. ($3,276) and MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,384).

    The lowest rate Missouri VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.71%), VILLAGE CAPITAL MORTGAGE (5.74%), VANDERBILT MORTGAGE AND FINANCE, INC. (5.80%), LAKEVIEW LOAN SERVICING, LLC (5.84%) and ASSEMBLIES OF GOD Credit Union (5.88%).

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.