Missouri Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Missouri averaged 6.92% for the week of 2024-07-11, compared to the national average of 6.89% for the same period.

The average rate for the prior week (2024-07-03) was 7.08% and one month ago for the week of 2024-06-06, the average rate was 7.22%.

Missouri's average rate one year ago was 6.64%.

For refis of the same type during the week of 2024-07-11, the average rate was 7.43%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-07-11 6.89%
Missouri 30 Year Fixed Rate 2024-07-11 6.92%
Missouri 30 Year Fixed Rate Refi 2024-07-11 7.43%
Missouri 15 Year Fixed Rate 2024-07-11 6.24%
Missouri 15 Year Fixed Rate Refi 2024-07-11 7.03%
Missouri 30 Year FHA 2024-07-11 6.47%
Missouri 30 Year FHA Refi 2024-07-11 6.49%
Missouri 30 Year USDA 2024-07-11 6.79%
Missouri 30 Year USDA Refi 2024-07-11 6.77%
Missouri 30 Year VA 2024-07-11 6.7%
Missouri 30 Year VA Refi 2024-07-11 5.57%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Missouri.

Missouri 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 Missouri 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
FLAT BRANCH MORTGAGE, INC. 3,500 6.89% $3,570
UNITED WHOLESALE MORTGAGE, LLC 2,212 6.98% $5,143
QUICKEN LOANS, LLC 2,100 6.86% $5,987
DAS Acquisition Company, LLC 2,099 7.00% $4,480
The Central Trust Bank 1,993 6.85% $3,382
GUILD MORTGAGE COMPANY 1,910 7.08% $4,617
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1,298 6.94% $3,940
U.S. Bank 1,114 6.80% $3,625
GERSHMAN INVESTMENT CORP. 952 7.01% $3,906
Stifel Bank and Trust 929 6.32% $2,831
First State Bank of St. Charles, Missouri 857 6.69% $3,663
Arvest Bank 845 6.62% $3,585
BROKER SOLUTIONS, INC. 821 7.12% $4,780
COMMUNITYAMERICA 809 6.51% $3,415
PRIMELENDING, A PLAINSCAPITAL COMPANY 748 6.92% $4,375
Commerce Bank 564 6.60% $3,003
First State Community Bank 508 6.83% $2,590
FIRST COMMUNITY 508 5.89% $1,901
LEADERONE FINANCIAL CORPORATION 457 6.81% $4,914
JPMorgan Chase Bank 449 6.79% $3,782
First Bank 441 6.52% $3,588
Great Southern Bank 427 6.58% $3,164
PENNYMAC LOAN SERVICES, LLC 412 6.72% $4,289
Prosperity Home Mortgage, LLC 386 7.06% $3,888
Hawthorn Bank 385 6.74% $3,034
Flagstar Bank, FSB 380 7.13% $4,851
Bank of America 370 6.28% $3,452
COMMUNITY MORTGAGE, LLC 354 6.66% $3,677
Regions Bank 352 6.64% $3,866
UMB Bank 348 6.63% $2,250
GUARANTEED RATE AFFINITY, LLC 348 6.68% $4,613
Carrollton Bank 346 6.53% $3,442
Wells Fargo Bank 345 6.48% $4,387
DELMAR FINANCIAL COMPANY 336 7.06% $4,170
TOGETHER CREDIT UNION 328 6.52% $2,942
Oakstar Bank 314 6.26% $3,065
ASSEMBLIES OF GOD Credit Union 299 6.34% $2,919
The Bank of Missouri 292 6.53% $2,657
Southern Bank 266 7.29% $1,972
ENDEAVOR CAPITAL, LLC. 257 6.80% $4,968
NBKC BANK 242 6.65% $3,052
Mortgage Research Center, LLC 239 6.65% $3,069
GUARANTEED RATE, INC. 234 6.77% $4,108
NEWREZ LLC 215 6.99% $4,839
JLB CORPORATION 199 6.79% $5,379
HNB National Bank 193 6.81% $1,590
Truist 192 6.74% $3,142
Simmons Bank 191 7.05% $2,952
Midwest BankCentre 187 6.79% $3,013
Mr. Cooper ( Nationstar Mortgage ) 187 6.86% $7,349
Bell Bank 186 6.96% $4,293
SUMMIT FUNDING, INC. 184 7.10% $4,520
MISSOURI Credit Union 178 6.60% $2,159
Capitol Federal Savings Bank 175 5.68% $4,548
Neighborhood Loans, Inc. 165 7.10% $5,336
NAVY FEDERAL CREDIT UNION 163 6.73% $3,759
Midwest Mortgage Associates Corporation 161 6.89% $4,576
CARDINAL FINANCIAL 158 6.97% $5,450
FAMILY FINANCE MORTGAGE, LLC 156 7.07% $4,779
VANTAGE Credit Union 155 5.98% $3,575
Springfield First Community Bank 155 6.84% $3,168
LOANDEPOT.COM, LLC 151 6.91% $6,401
Paramount Bank 150 6.88% $3,528
Southwest Missouri Bank 138 7.71% $2,233
Plains Commerce Bank 137 6.90% $5,400
CROSSCOUNTRY MORTGAGE, LLC 135 7.08% $6,066
Sullivan Bank 129 7.29% $2,205
Nations Lending Corporation 122 7.12% $4,090
BancorpSouth 119 6.81% $4,024
MOVEMENT MORTGAGE, LLC 117 6.77% $5,223
First Horizon Bank 116 7.00% $3,360
United Fidelity Funding Corp. 116 7.15% $6,329
Gateway First Bank 116 6.90% $3,029
FIRST MORTGAGE COMPANY, INC. 114 6.81% $4,487
VANDERBILT MORTGAGE AND FINANCE, INC. 111 6.26% $5,397
AMERISAVE MORTGAGE CORPORATION 109 6.51% $8,031
EVERETT FINANCIAL, INC. 106 7.14% $5,150
Ozarks Federal Savings and Loan Association 102 6.34% $2,191
BLUCURRENT 101 6.40% $2,627
FIRST INTEGRITY MORTGAGE SERVICES, INC. 99 7.03% $3,508
MUTUAL OF OMAHA MORTGAGE, INC. 99 6.85% $5,382
WEST COMMUNITY 98 6.43% $2,911
ARK-LA-TEX FINANCIAL SERVICES, LLC. 98 7.00% $4,292
ALLIANCE CREDIT UNION 98 6.37% $5,235
United Bank of Union 98 6.44% $2,463
Bank of Springfield 96 6.79% $3,186
Bank of Washington 95 6.67% $2,957
BMO Harris Bank 95 6.33% $4,760
FRONTIER FINANCIAL, INC. 95 6.82% $3,946
PROVIDENT FUNDING ASSOCIATES, L.P. 95 6.59% $4,468
Waterstone Mortgage Corporation 94 6.88% $4,794
UNION HOME MORTGAGE CORP. 93 7.09% $4,744
NBH Bank 93 6.84% $2,630
HALLMARK HOME MORTGAGE, LLC 92 7.12% $4,621
AMERICAN PACIFIC MORTGAGE CORPORATION 89 7.04% $5,127
Citizens Bank 88 6.93% $3,753
FREEDOM MORTGAGE CORPORATION 88 7.13% $7,223
USAA Federal Savings Bank 87 6.71% $4,496
North American Savings Bank, F.S.B. 84 7.05% $3,317
American Mortgage & Equity Consultants, Inc. 84 6.83% $4,322
First National Bank of Omaha 83 6.81% $3,489
PREMIA MORTGAGE, LLC 81 6.43% $2,062
PNC Bank 80 6.71% $4,297
First Federal Bank of Kansas City 79 6.63% $3,854
ROYAL UNITED MORTGAGE LLC 79 6.97% $7,616
The Huntington National Bank 78 6.65% $4,786
ZILLOW HOME LOANS, LLC 78 6.83% $4,734
VICTORY MORTGAGE, L.L.C. 75 6.39% $2,794
MID AMERICA MORTGAGE, INC. 71 7.15% $6,599
ACCESS CAPITAL FUNDING, L.L.C. 70 6.82% $3,619
Community National Bank & Trust 69 7.33% $2,038
MEGASTAR FINANCIAL CORP. 69 6.99% $4,361
GENEVA FINANCIAL, LLC 66 6.88% $6,942
Mazuma Credit Union 65 6.97% $3,642
Ally Bank 65 6.64% $4,683
MORTGAGE SOLUTIONS LLC 63 7.01% $4,461
SCOTT CREDIT UNION 62 6.66% $3,017
Morgan Stanley Private Bank 61 5.96% $3,261
Associated Bank 61 6.45% $6,177
CMG MORTGAGE, INC. 59 6.79% $5,421
First Mid Bank & Trust 59 6.71% $2,385
Community Mortgage Banc Corporation 57 6.49% $2,669
U S WIDE FINANCIAL LLC 55 6.70% $3,370
First Community Bank 55 6.80% $5,252
BAY EQUITY LLC 53 6.53% $5,412
ACADEMY MORTGAGE CORPORATION 53 7.01% $3,654
CHURCHILL MORTGAGE CORPORATION 52 7.10% $4,164
Flanagan State Bank 51 6.99% $4,866
THOMPSON KANE & COMPANY, LLC 49 6.60% $2,099
Sierra Pacific Mortgage Company, Inc. 48 6.91% $4,857
BOKF 48 6.79% $3,605
BETTER MORTGAGE CORPORATION 47 6.20% $4,388
Ameris Bank 46 6.82% $3,732
PLAZA HOME MORTGAGE, INC. 45 7.41% $5,560
Landmark National Bank 44 6.09% $2,377
OPEN MORTGAGE, LLC 44 7.01% $5,747
HomeBank 44 6.66% $1,809
T2 FINANCIAL LLC 44 7.31% $6,214
Enterprise Bank & Trust 39 6.59% $3,537
Discover Bank 38 7.19% $0
PREMIER MORTGAGE RESOURCES, L.L.C. 37 6.88% $5,026
Merchants Bank of Indiana 37 6.85% $2,606
PENTAGON FEDERAL CREDIT UNION 36 6.29% $4,195
S1L, Inc. 36 6.80% $5,863
Peoples National Bank , N.A. 36 6.88% $3,613
Midland States Bank 35 6.54% $3,834
Busey Bank 35 6.30% $3,426
FirstTrust Home Loans, Inc. 34 7.24% $4,014
FCB Banks 34 6.58% $2,984
Paramount Residential Mortgage Group, Inc. 34 6.93% $6,522
HOMESIDE FINANCIAL, LLC 33 7.19% $5,368
MISSOURI ELECTRIC COOPERATIVES EMPL 33 6.11% $2,195
Academy Bank 32 7.04% $3,263
Fidelity Bank 30 6.83% $2,780
Farmers Bank & Trust 29 6.44% $3,628
ON Q FINANCIAL, INC. 27 7.03% $7,018
Equity Bank 27 6.80% $3,512
HOMESTAR FINANCIAL CORPORATION 26 6.91% $3,236
First Federal Bank 26 6.92% $4,687
Carrington Mortgage Services, LLC 26 6.61% $6,186
NexBank 26 6.98% $5,324
Deere Employees Credit Union 25 5.95% $3,171
AMERICAN FINANCING CORPORATION 24 6.75% $6,464
GUIDANCE RESIDENTIAL, LLC 24 7.01% $4,260
TOWNE MORTGAGE COMPANY 24 6.83% $6,731
HOMESITE MORTGAGE, LLC 22 6.35% $5,237
Servion, Inc. 22 6.86% $3,593
PHH Mortgage Corporation 22 7.06% $5,682
LAKEVIEW LOAN SERVICING, LLC 22 6.96% $6,868
The Federal Savings Bank 21 6.82% $7,430
FCS Financial FLCA 21 7.62% $3,093
AMCAP MORTGAGE, LTD. 21 6.93% $4,958
Northpointe Bank 21 6.76% $5,020
Pinnacle Bank 20 6.98% $2,839
MAINSTREET FEDERAL CREDIT UNION 20 6.56% $2,278
CALIBER HOME LOANS, INC. 19 6.91% $5,371
PLANET HOME LENDING, LLC 19 6.43% $3,311
Gateway Metro Federal Credit Union 18 6.70% $1,049
Iroquois Federal Savings and Loan Association 18 6.55% $3,508
United Community Bank 18 6.71% $2,161
UIF CORPORATION 18 6.89% $4,925
Citibank 18 5.62% $5,568
Sunflower Bank 18 6.75% $5,990
BANK OF LITTLE ROCK MORTGAGE CORPORATION 18 6.80% $3,214
DIGITAL Federal Credit Union 18 5.66% $3,079
Raymond James Bank 17 5.79% $2,698
BAYSHORE MORTGAGE FUNDING, LLC 17 6.85% $5,604
First National Bank of America 17 10.31% $7,891
Armed Forces Bank 17 6.82% $4,043
CITIZENS EQUITY FIRST 16 6.13% $2,215
MORTGAGE FINANCIAL SERVICES, LLC 16 6.70% $4,287
SUN WEST MORTGAGE COMPANY, INC. 16 7.23% $5,937
Dollar Bank, Federal Savings Bank 16 7.10% $5,025
SIRVA MORTGAGE, INC. 16 6.70% $717
Fifth Third Bank 16 6.75% $5,913
THRIVE MORTGAGE, LLC 15 6.91% $3,963
FIRST COMMUNITY MORTGAGE, INC. 15 6.57% $5,786
Banterra Bank 15 6.75% $2,563
First Savings Bank 15 6.68% $4,644
AmeriHome Mortgage Company, LLC 15 7.02% $5,008
AMERICAN PORTFOLIO MORTGAGE CORPORATION 15 6.87% $3,491
Mortgage Investment Services Corporation 14 6.89% $3,863
UBS Bank USA 14 6.19% $5,541
GREENSTATE CREDIT UNION 14 6.88% $3,384
MICHIGAN MUTUAL, INC. 14 6.54% $8,285
Charles Schwab Bank, SSB 14 5.92% $3,707
BNC National Bank 14 6.31% $3,208
Third Federal Savings and Loan Association of Cleveland 14 5.69% $2,282
ALLTRU Federal Credit Union 14 6.99% $4,994
NFM, INC. 13 6.99% $7,507
OCMBC, INC. 12 8.75% $13,175
Citadel Servicing Corporation 12 9.06% $9,857
AMERICAN FINANCIAL NETWORK, INC. 12 7.31% $7,054
Old National Bank 12 6.70% $4,009
Cornerstone First Mortgage, Inc 12 6.82% $6,464
21ST MORTGAGE CORPORATION 12 7.66% $5,931
CRESCENT MORTGAGE COMPANY 12 6.65% $4,220
NP, Inc. 12 8.36% $7,182
R-G Federal Credit Union 12 7.10% $8,287
Baxter Credit Union 11 6.77% $2,978
First Bankers Trust Company 11 7.23% $1,972
Bank of England 11 6.95% $4,465
CIBC Bank USA 11 6.37% $4,758
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 11 6.74% $4,487
PRIMARY RESIDENTIAL MORTGAGE, INC. 10 7.26% $6,718
PANORAMA MORTGAGE GROUP, LLC 10 7.77% $7,307
LENDSURE MORTGAGE CORP. 9 8.40% $12,004
LOANPAL, LLC 9 6.25% $5,127
Financial Funding Solutions, Inc. 9 6.69% $2,891
ELECTRO SAVINGS CREDIT UNION 9 6.94% $4,211
Mid-Continent Funding, Inc. 9 6.40% $4,024
Barrington Bank & Trust Company, N.A. 9 7.12% $4,591
Magnolia Bank 8 6.72% $3,752
CENTRAL MISSOURI COMMUNITY CREDIT UNION 8 7.03% $2,842
First United Bank and Trust Company 8 7.14% $2,726
VERIDIAN CREDIT UNION 8 6.59% $2,070
Equity Prime Mortgage LLC 8 7.08% $5,750
Community First National Bank 8 6.59% $5,310
ARC HOME LLC 8 7.67% $6,963
Farm Credit Mid-America, ACA 8 7.28% $8,510
Morton Community Bank 8 6.31% $2,830
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 7 7.03% $6,306
ALLIANT CREDIT UNION 7 6.89% $3,663
CANOPY MORTGAGE, LLC 7 7.52% $4,962
CHERRY CREEK MORTGAGE, LLC 7 6.25% $725
ENVOY MORTGAGE, LTD 7 6.70% $4,433
First-Citizens Bank & Trust Company 7 6.78% $3,979
FIRST STATE MORTGAGE SERVICES, LLC 7 6.75% $3,195
1ST MIDAMERICA 7 6.21% $2,696
Ixonia Bank 7 6.91% $5,954
RESIDENTIAL BANCORP 7 6.75% $6,420
Stride Bank 7 6.21% $6,606
Central National Bank 6 7.08% $3,797
AXIA FINANCIAL, LLC 6 6.44% $6,067
LAND HOME FINANCIAL SERVICES, INC. 6 6.83% $4,713
Centennial Bank 6 6.88% $3,829
General Mortgage Capital Corporation 6 6.48% $6,717
RUOFF MORTGAGE COMPANY, INC. 6 5.98% $4,971
SECURITYNATIONAL MORTGAGE COMPANY 6 7.04% $8,719
DRAPER AND KRAMER MORTGAGE CORP. 6 7.35% $3,139
Goldman Sachs Bank USA 6 5.41% $4,178
FirstBank 6 6.87% $5,627
Northwest Bank 6 6.00% $4,410
DUPACO COMMUNITY 6 5.75% $2,928
HOMEBRIDGE FINANCIAL SERVICES, INC. 6 7.44% $16,448
Fortress Bank 6 6.40% $2,398
Truity Federal Credit Union 5 6.83% $2,313
EUSTIS AND AMERICAN MORTGAGE COMPANY 5 7.10% $5,547
First Interstate Bank 5 6.95% $2,785
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 5 6.80% $3,370
TOP FLITE FINANCIAL, INC. 5 6.80% $9,715
Generations Bank 5 6.63% $3,851
HSBC BANK USA, NATIONAL ASSOCIATION 5 5.89% $9,812
Quontic Bank 5 9.30% $8,912
AMERICAN INTERNET MORTGAGE, INC. 5 6.15% $5,243
CITY FIRST MORTGAGE SERVICES, L.L.C. 5 7.75% $4,672
CREDIT UNION MORTGAGE ASSOCIATION, INC. 5 6.23% $3,754
RED DIAMOND HOME LOANS, LLC 4 6.40% $3,998
KeyBank 4 6.16% $4,092
Mid-America Bank 4 6.47% $4,378
ADVANCIAL 4 7.81% $7,519
First National Bank of Waterloo 4 6.88% $2,903
Intrust Bank 4 6.41% $3,342
Think Mutual Bank 4 5.97% $3,918
Pinnacle Bank 4 6.19% $5,000
Arbor Bank 4 6.72% $3,037
Midwest Heritage Bank FSB 4 6.53% $2,599
ENCORE BANK 4 2.37% $2,343
CNB Bank And Trust, N.A. 4 5.12% $3,109
Lincoln Savings Bank 4 7.38% $4,165
ANGEL OAK MORTGAGE SOLUTIONS LLC 4 9.66% $8,599
UNITED CONSUMERS CREDIT UNION 4 6.53% $2,621
Colonial Savings, F.A. 4 6.41% $8,451
Core Bank 4 6.50% $6,412
Service Federal Credit Union 4 5.72% $5,875
SUCCESS MORTGAGE PARTNERS, INC. 4 6.19% $5,454
Boeing Employees Credit Union 4 6.47% $1,924
Bank Iowa 4 6.47% $4,628
KEYPOINT 3 7.46% $3,337
Heritage Bank 3 6.21% $6,197
IAA Credit Union 3 6.96% $2,793
IOWA BANKERS MORTGAGE CORPORATION 3 6.29% $5,188
FRONTIER COMMUNITY CREDIT UNION 3 7.04% $2,631
LENOX FINANCIAL MORTGAGE CORPORATION 3 6.88% $2,264
Florida Capital Bank 3 7.04% $4,121
First Western Trust Bank 3 7.04% $1,493
First Financial Bank 3 6.63% $4,055
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 3 5.29% $5,658
Evolve Bank & Trust 3 7.13% $4,075
MORTGAGE SOLUTIONS OF COLORADO, LLC 3 7.21% $4,623
EMBRACE HOME LOANS, INC. 3 7.42% $4,147
NATIONWIDE MORTGAGE BANKERS, INC. 3 7.21% $3,652
CONTOUR MORTGAGE CORPORATION 3 7.38% $5,886
Performance Financial, Inc. 3 7.83% $10,759
CITY-COUNTY CREDIT UNION 3 6.50% $2,316
CAPITAL CONCEPTS, INC. 3 7.13% $12,871
Bank of Whittier 3 7.04% $3,045
Axos Bank 3 7.50% $11,525
TruHome Solutions, LLC 3 6.96% $4,114
UNIFY FINANCIAL Credit Union 3 7.42% $2,955
Union Bank and Trust Company 3 6.88% $3,088
AMERICAN FINANCIAL RESOURCES, INC. 3 7.50% $4,477
AFFORDABLE MORTGAGE ADVISORS, LLC. 3 6.46% $4,888
The First National Bank of Fort Smith 2 6.75% $2,583
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 7.06% $5,139
CBI Bank & Trust 2 7.31% $4,057
CASTLE & COOKE MORTGAGE, LLC 2 6.94% $6,483
HEARTLAND 2 6.31% $2,588
CapStar Bank 2 6.19% $4,365
RBC Bank, (Georgia) 2 5.56% $2,283
ARSENAL CREDIT UNION 2 6.00% $3,314
KELLER MORTGAGE, LLC 2 6.00% $3,420
THRIVENT Federal Credit Union 2 6.63% $5,355
TIB The Independent Bankersbank 2 6.50% $5,888
CONSERVATION EMP. CREDIT UNION 2 6.88% $1,320
Wyndham Capital Mortgage, Inc. 2 5.88% $4,081
CALCON MUTUAL MORTGAGE LLC 2 6.81% $9,021
MANN FINANCIAL INC. 2 6.94% $5,670
FIRST WESTERN MORTGAGE, INC. 2 6.69% $3,081
Lincoln FSB of Nebraska 2 6.25% $2,289
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 7.38% $4,467
BNY Mellon 2 6.56% $5,713
City National Bank of Florida 2 6.50% $3,508
Elements Financial Federal Credit Union 2 6.94% $3,554
Two Rivers Bank & Trust 2 7.38% $1,184
Gate City Bank 2 6.69% $3,300
City National Bank 2 5.65% $5,349
American Mortgage Bank, LLC 2 6.94% $3,168
Great Plains Federal Credit Un 2 6.45% $2,497
WINGS FINANCIAL 2 5.63% $2,715
NASA Federal Credit Union 2 6.19% $6,194
Signature Federal Credit Union 2 6.06% $6,461
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION 2 6.31% $3,065
UNITED 2 6.81% $3,020
Petefish, Skiles & Co. 2 7.44% $3,439
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 2 6.31% $9,415
American Bank of Missouri 2 10.00% $2,161
HEARTLAND CREDIT UNION 2 6.25% $4,465
AHL FUNDING 2 7.25% $5,171
American Airlines Federal Credit Union 2 5.88% $0
Heartland Bank and Trust Company 2 6.39% $3,033
CIBM Bank 2 7.38% $5,201
Christian Community Credit Union 2 5.88% $4,175
Choice Financial Group 2 6.06% $3,536
Access Bank 2 6.25% $6,831
CoreFirst Bank & Trust 2 6.13% $1,867
CREDIT UNION OF AMERICA 2 6.06% $3,269
NATIONS RELIABLE LENDING, LLC 2 6.25% $14,512
CHARTER WEST BANK 2 6.75% $2,503
Bankers' Bank 2 7.06% $3,684
GSF Mortgage Corporation 2 6.00% $3,157
TEACHERS 2 6.63% $4,367
M&T Bank 2 7.00% $5,151
Central Bank 2 6.25% $9,810
US MORTGAGE CORPORATION 2 6.81% $6,072
West Gate Bank 2 7.13% $2,263
The Dart Bank 2 7.50% $2,905
PROPER RATE, LLC 2 6.78% $3,310
Independent Bank 1 5.63% $3,416
The Fountain Trust Company 1 8.13% $9,966
Atlantic Union Bank 1 6.13% $2,189
The Northern Trust Company 1 6.13% $2,654
The Union Bank Company 1 6.75% $4,902
Independent Bank 1 7.63% $5,138
ASCENTRA 1 4.75% $2,279
ARKANSAS Federal Credit Union 1 7.63% $4,811
TJC Mortgage, Inc. 1 5.88% $5,182
IncredibleBank 1 6.75% $2,581
Gold Coast Bank 1 6.49% $4,233
Goldwater Bank, N.A. 1 6.50% $12,783
Toyota Financial Savings Bank 1 5.50% $3,620
Wichita Federal Credit Union 1 6.75% $2,248
Grand Valley Bank 1 7.00% $3,666
Trustmark National Bank 1 6.38% $3,423
TTCU Federal Credit Union 1 6.00% $2,856
Tyndall Federal Credit Union 1 6.75% $3,093
American National Bank 1 6.99% $2,623
GUARANTY HOME MORTGAGE CORPORATION 1 6.25% $3,185
HANSCOM 1 6.63% $3,881
Union Savings Bank 1 6.25% $2,889
United Bank of Iowa 1 7.00% $4,569
American Bank of Oklahoma 1 6.88% $3,047
American Bank and Trust Company 1 5.50% $8,214
Amarillo National Bank 1 8.00% $5,486
Meridian Bank Corporation 1 7.13% $5,613
First International Bank & Trust 1 6.50% $3,624
MID AMERICAN 1 8.13% $2,552
First Financial Bank 1 6.50% $2,005
Allied First Bank,sb 1 6.50% $12,296
First Merchants Bank 1 6.75% $4,230
MEMBER HOME LOAN, L.L.C. 1 6.13% $8,570
Firstar Bank 1 7.00% $2,833
MidWestOne Bank 1 6.25% $2,387
Minnwest Bank 1 6.88% $4,591
First American Bank 1 7.88% $4,016
First American Bank 1 6.50% $1,678
FEDEX EMPLOYEES CREDIT ASSOCIATION 1 6.00% $1,781
Exchange Bank 1 6.13% $2,170
Alerus Financial 1 6.50% $3,633
AIR ACADEMY 1 6.75% $2,723
EVANSVILLE TEACHERS 1 5.50% $4,102
First State Bank 1 5.88% $3,238
MAYO EMPLOYEES FEDERAL CREDIT UNION 1 6.13% $6,120
EASTMAN 1 6.38% $2,586
Eagle Savings Bank 1 6.00% $3,135
Eagle Bank and Trust Company 1 6.38% $3,069
MAX Credit Union 1 5.88% $2,679
Deseret First Credit Union 1 5.99% $2,822
Nizari Progressive Federal Credit Union 1 7.38% $9,792
Marine Bank 1 5.88% $6,278
Countybank 1 7.50% $3,561
CORPORATE AMERICA FAMILY 1 7.75% $2,120
CORNHUSKER BANK 1 7.00% $2,270
Cornerstone National Bank & Trust Company 1 5.88% $2,481
Ohnward Bank & Trust 1 6.88% $3,968
CORNERSTONE HOME LENDING, INC. 1 7.25% $6,934
First Vision Bank of Tennessee 1 6.75% $3,832
Operating Engineers Local Union #3 1 7.13% $3,213
Ottawa Savings Bank 1 6.38% $2,209
VERITAS FUNDING, LLC 1 6.38% $11,624
COMPEER FINANCIAL, FLCA 1 7.63% $3,523
Peoples Bank 1 6.25% $5,964
Peoples State Bank 1 5.63% $2,055
Affiliated Bank 1 7.13% $5,764
F & M Bank 1 6.63% $3,281
Leader Bank 1 6.99% $3,143
Chickasaw Community Bank 1 6.88% $7,747
Prairie State Bank and Trust 1 7.38% $2,439
CHEVRON 1 4.75% $0
Presidential Bank, FSB 1 6.63% $3,952
Frontier Bank 1 6.99% $2,554
KINECTA 1 5.88% $7,869
A&D Mortgage LLC 1 7.75% $11,930
Byron Bank 1 7.25% $3,054
GARDNER FINANCIAL SERVICES, LTD. 1 5.88% $6,740
Johnson Bank 1 5.88% $3,531
SeaTrust Mortgage Company 1 8.50% $3,353
JMJ FINANCIAL GROUP 1 7.13% $3,449
Blue Ridge Bank 1 6.38% $7,528
BECKAM FUNDING CORP. 1 10.37% $18,317
Actors Federal Credit Union 1 4.99% $2,805
Bank of the Flint Hills 1 6.88% $2,330
Bank of Tennessee 1 6.75% $2,338
Bank of Pontiac 1 6.50% $2,481
Bank of Idaho 1 6.62% $3,258
STANFORD Federal Credit Union 1 6.00% $2,709
STAR ONE CREDIT UNION 1 6.63% $2,008
Bank of Colorado 1 6.38% $3,493
JERSEY STATE BANK 1 6.75% $4,820
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 5.25% $5,735
Bank Five Nine 1 7.25% $3,367
Bankers Trust Company 1 6.50% $2,870
Bank 1 6.13% $3,015
TEXAS TECH 1 6.38% $2,819
Azura Credit Union 1 7.75% $1,989

Missouri Average Closing Costs & Other Stats

Missouri's 475 lenders originated 118,149 loans during 2023. The total origination value was $26,311,255,000, with an average loan value of $222,696.

Missouri's average closing costs are $3,907.

The top Missouri lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 3,500 loans originated. Their average total fees are $3,570, which is $1,573 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Missouri lenders (with over 10 loans originated) are Discover Bank ($0), SIRVA MORTGAGE, INC. ($717), Gateway Metro Federal Credit Union ($1,049), HNB National Bank ($1,590) and HomeBank ($1,809).

The lowest rate Missouri lenders (with over 10 loans originated) are Citibank (5.62%), DIGITAL Federal Credit Union (5.66%), Capitol Federal Savings Bank (5.68%), Third Federal Savings and Loan Association of Cleveland (5.69%) and Raymond James Bank (5.79%).

Missouri 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
FLAT BRANCH MORTGAGE, INC. $1,577,325,000 $1,327,010,000 -15.9% 5.0%
UNITED WHOLESALE MORTGAGE, LLC $1,039,460,000 $954,225,000 -8.2% 3.6%
QUICKEN LOANS, LLC $1,357,335,000 $945,125,000 -30.4% 3.6%
The Central Trust Bank $1,175,000,000 $870,635,000 -25.9% 3.3%
GUILD MORTGAGE COMPANY $919,640,000 $808,345,000 -12.1% 3.1%
DAS Acquisition Company, LLC $1,242,920,000 $799,420,000 -35.7% 3.0%
U.S. Bank $1,079,670,000 $573,340,000 -46.9% 2.2%
Mortgage Research Center, LLC $629,000,000 $539,160,000 -14.3% 2.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $657,580,000 $538,665,000 -18.1% 2.0%
COMMUNITYAMERICA $506,015,000 $465,590,000 -8.0% 1.8%
Stifel Bank and Trust $714,965,000 $415,475,000 -41.9% 1.6%
Commerce Bank $507,390,000 $400,175,000 -21.1% 1.5%
Arvest Bank $464,860,000 $380,220,000 -18.2% 1.4%
BROKER SOLUTIONS, INC. $466,195,000 $357,395,000 -23.3% 1.4%
First State Bank of St. Charles, Missouri $473,625,000 $341,190,000 -28.0% 1.3%
GERSHMAN INVESTMENT CORP. $440,720,000 $338,255,000 -23.2% 1.3%
FIRST COMMUNITY $327,565,000 $329,705,000 0.7% 1.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $394,385,000 $300,820,000 -23.7% 1.1%
First State Community Bank $330,450,000 $290,010,000 -12.2% 1.1%
Arbor Realty Trust, Inc. $229,015,000 $260,510,000 13.8% 1.0%
Bank of America $359,720,000 $242,275,000 -32.6% 0.9%
LEADERONE FINANCIAL CORPORATION $264,465,000 $236,160,000 -10.7% 0.9%
Regions Bank $223,545,000 $230,835,000 3.3% 0.9%
PENNYMAC LOAN SERVICES, LLC $284,845,000 $217,480,000 -23.6% 0.8%
UMB Bank $239,280,000 $208,650,000 -12.8% 0.8%
First Bank $70,000 $208,120,000 297,214.3% 0.8%
Carrollton Bank $265,770,000 $206,800,000 -22.2% 0.8%
Hawthorn Bank $247,535,000 $191,545,000 -22.6% 0.7%
JPMorgan Chase Bank $217,880,000 $177,630,000 -18.5% 0.7%
Great Southern Bank $371,460,000 $176,325,000 -52.5% 0.7%
NAVY FEDERAL CREDIT UNION $193,060,000 $170,805,000 -11.5% 0.6%
Oakstar Bank $323,790,000 $163,670,000 -49.5% 0.6%
Prosperity Home Mortgage, LLC $216,440,000 $160,215,000 -26.0% 0.6%
TOGETHER CREDIT UNION $233,355,000 $157,950,000 -32.3% 0.6%
FCB Banks $216,210,000 $152,295,000 -29.6% 0.6%
Flagstar Bank, FSB $267,115,000 $148,965,000 -44.2% 0.6%
COMMUNITY MORTGAGE, LLC $196,425,000 $144,120,000 -26.6% 0.5%
Wells Fargo Bank $613,720,000 $143,905,000 -76.6% 0.5%
GUARANTEED RATE AFFINITY, LLC $214,965,000 $142,965,000 -33.5% 0.5%
The Bank of Missouri $227,435,000 $142,540,000 -37.3% 0.5%
Southern Bank $234,545,000 $138,205,000 -41.1% 0.5%
Old Missouri Bank $66,990,000 $126,260,000 88.5% 0.5%
ENDEAVOR CAPITAL, LLC. $172,310,000 $121,865,000 -29.3% 0.5%
DELMAR FINANCIAL COMPANY $267,235,000 $118,700,000 -55.6% 0.5%
GUARANTEED RATE, INC. $206,350,000 $118,680,000 -42.5% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $229,695,000 $117,750,000 -48.7% 0.4%
Capitol Federal Savings Bank $276,550,000 $117,525,000 -57.5% 0.4%
BERKADIA COMMERCIAL MORTGAGE LLC $332,685,000 $117,340,000 -64.7% 0.4%
Equity Bank $79,595,000 $116,545,000 46.4% 0.4%
NBKC BANK $132,320,000 $113,035,000 -14.6% 0.4%
FREEDOM MORTGAGE CORPORATION $252,865,000 $109,905,000 -56.5% 0.4%
PNC Bank $157,050,000 $108,430,000 -31.0% 0.4%
NEWREZ LLC $147,090,000 $107,250,000 -27.1% 0.4%
LOANDEPOT.COM, LLC $331,055,000 $105,975,000 -68.0% 0.4%
CARDINAL FINANCIAL $70,280,000 $100,455,000 42.9% 0.4%
Simmons Bank $216,210,000 $97,595,000 -54.9% 0.4%
Sullivan Bank $177,700,000 $96,260,000 -45.8% 0.4%
ASSEMBLIES OF GOD Credit Union $139,570,000 $94,060,000 -32.6% 0.4%
BancorpSouth $102,410,000 $93,625,000 -8.6% 0.4%
JLB CORPORATION $233,465,000 $93,465,000 -60.0% 0.4%
Midwest Mortgage Associates Corporation $51,925,000 $93,345,000 79.8% 0.4%
Midwest BankCentre $170,930,000 $93,040,000 -45.6% 0.4%
River Region Credit Union $83,455,000 $92,090,000 10.3% 0.4%
Prudential Huntoon Paige Associates, LLC $34,515,000 $90,520,000 162.3% 0.3%
VANTAGE Credit Union $107,810,000 $88,740,000 -17.7% 0.3%
Citibank $18,730,000 $86,430,000 361.5% 0.3%
USAA Federal Savings Bank $106,680,000 $85,975,000 -19.4% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $69,850,000 $82,555,000 18.2% 0.3%
BMO Harris Bank $63,535,000 $81,070,000 27.6% 0.3%
GREYSTONE SERVICING COMPANY LLC $74,035,000 $80,795,000 9.1% 0.3%
American Bank of Missouri $83,035,000 $80,490,000 -3.1% 0.3%
AMERISAVE MORTGAGE CORPORATION $162,675,000 $79,780,000 -51.0% 0.3%
Bell Bank $116,575,000 $79,735,000 -31.6% 0.3%
BERKELEY POINT CAPITAL LLC $7,365,000 $78,585,000 967.0% 0.3%
SUMMIT FUNDING, INC. $144,675,000 $78,325,000 -45.9% 0.3%
First Mid Bank & Trust $51,910,000 $77,620,000 49.5% 0.3%
Plains Commerce Bank $77,955,000 $74,680,000 -4.2% 0.3%
HNB National Bank $89,660,000 $73,820,000 -17.7% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $70,125,000 $72,565,000 3.5% 0.3%
Truist $77,710,000 $71,910,000 -7.5% 0.3%
NORTHMARQ CAPITAL FINANCE, L.L.C. $43,380,000 $71,225,000 64.2% 0.3%
Merchants Bank of Indiana $142,570,000 $69,370,000 -51.3% 0.3%
LENDINGONE, LLC $39,180,000 $67,975,000 73.5% 0.3%
WEST COMMUNITY $105,780,000 $67,970,000 -35.7% 0.3%
Springfield First Community Bank $208,995,000 $66,390,000 -68.2% 0.3%
Neighborhood Loans, Inc. $29,625,000 $66,060,000 123.0% 0.3%
Mid-Missouri Bank $86,480,000 $64,890,000 -25.0% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $63,995,000 $64,560,000 0.9% 0.2%
WALKER & DUNLOP, LLC $88,225,000 $64,395,000 -27.0% 0.2%
Pinnacle Bank $1,655,000 $64,325,000 3,786.7% 0.2%
FAMILY FINANCE MORTGAGE, LLC $87,715,000 $63,965,000 -27.1% 0.2%
Southwest Missouri Bank $85,745,000 $63,135,000 -26.4% 0.2%
MID AMERICA MORTGAGE, INC. $69,310,000 $60,810,000 -12.3% 0.2%
Legacy Bank & Trust Company $43,035,000 $60,450,000 40.5% 0.2%
Mid America Bank $63,595,000 $59,230,000 -6.9% 0.2%
Bank of Odessa $63,670,000 $58,430,000 -8.2% 0.2%
Lindell Bank & Trust Company $60,240,000 $57,510,000 -4.5% 0.2%
Bank of Springfield $66,510,000 $57,350,000 -13.8% 0.2%
EVERETT FINANCIAL, INC. $76,115,000 $56,495,000 -25.8% 0.2%
Paramount Bank $138,605,000 $56,405,000 -59.3% 0.2%
First Federal Bank of Kansas City $107,845,000 $56,285,000 -47.8% 0.2%
Montgomery Bank $56,045,000 $55,090,000 -1.7% 0.2%
Barings Multifamily Capital $54,350,000 n/a 0.2%
LENDINGHOME FUNDING CORPORATION $62,300,000 $53,385,000 -14.3% 0.2%
United Bank of Union $50,920,000 $52,615,000 3.3% 0.2%
First National Bank of Omaha $31,940,000 $52,595,000 64.7% 0.2%
MOVEMENT MORTGAGE, LLC $100,930,000 $52,520,000 -48.0% 0.2%
BLUCURRENT $55,745,000 $52,195,000 -6.4% 0.2%
JONES LANG LASALLE MULTIFAMILY, LLC $50,710,000 $52,130,000 2.8% 0.2%
Associated Bank $211,015,000 $50,195,000 -76.2% 0.2%
Country Club Bank $60,785,000 $49,995,000 -17.8% 0.2%
The Bank of Old Monroe $68,445,000 $49,445,000 -27.8% 0.2%
Discover Bank $28,465,000 $49,375,000 73.5% 0.2%
Gateway First Bank $49,980,000 $49,365,000 -1.2% 0.2%
BTC BANK $39,045,000 $48,930,000 25.3% 0.2%
United Fidelity Funding Corp. $44,175,000 $48,370,000 9.5% 0.2%
Ozarks Federal Savings and Loan Association $65,330,000 $48,125,000 -26.3% 0.2%
FIRST MORTGAGE COMPANY, INC. $47,915,000 n/a 0.2%
Town & Country Bank $47,195,000 $47,855,000 1.4% 0.2%
Nations Lending Corporation $15,570,000 $46,540,000 198.9% 0.2%
ALLIANCE CREDIT UNION $59,340,000 $45,965,000 -22.5% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $23,875,000 $45,690,000 91.4% 0.2%
The Nodaway Valley Bank $55,395,000 $44,805,000 -19.1% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $49,915,000 $44,240,000 -11.4% 0.2%
Bank of Washington $59,690,000 $44,005,000 -26.3% 0.2%
FIRST INTEGRITY MORTGAGE SERVICES, INC. $65,795,000 $43,810,000 -33.4% 0.2%
Busey Bank $85,175,000 $43,715,000 -48.7% 0.2%
Flanagan State Bank $55,580,000 $43,480,000 -21.8% 0.2%