Missouri · Q1 2026
What Missouri borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 514 lenders.
Published 2026-04-29.
Missouri · headline
The gap between Missouri's lowest- and highest-cost ranked lenders in 2025 was $1,923 on a typical loan — borrowers using Rocket Mortgage paid roughly 64% more than borrowers using U.S. Bank National Association on similar loans.
Source: FFIEC HMDA 2025 (n=99,006)
In 2025, 514 mortgage lenders originated 99,006 reportable loans in Missouri according to FFIEC HMDA data. The median borrower paid $3,921 in total loan costs. That is 7.6% below the national median across all 50 states and DC.
Missouri's median total loan cost was $3,921, 7.6% below the national median of $4,242. On a typical loan, that translates to roughly $321 less than borrowers paid in the average state.
U.S. Bank National Association posted the lowest median total loan costs at $2,985, 23.9% below the Missouri median. Across the ranked lenders, 9 earned an A grade against peer averages and 0 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Missouri are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $4,909 | $3,150 | 7,479 | B |
| 2 | Flat Branch Mortgage, Inc. | $4,150 | $1,230 | 7,060 | A |
| 3 | Guild Mortgage | $4,313 | $1,503 | 5,307 | A |
| 4 | United Wholesale Mortgage | $4,831 | $2,240 | 4,476 | B |
| 5 | Das Acquisition Company, LLC | $4,787 | $1,595 | 3,196 | B |
| 6 | Mortgage Research Center, LLC | $3,662 | $2,575 | 2,901 | A |
| 7 | The Central Trust Bank | $3,505 | $1,300 | 2,677 | A |
| 8 | Pennymac | $4,644 | $1,939 | 2,501 | B |
| 9 | New American Funding | $4,896 | $1,993 | 2,467 | B |
| 10 | U.S. Bank National Association | $2,985 | $1,352 | 2,236 | A |
Missouri median total loan cost
Missouri borrowers paid a median $3,921 in total loan costs in 2025, based on 99,006 HMDA-reported loans across 514 lenders.
FFIEC HMDA 2025
Lender spread in Missouri
In Missouri, the gap between U.S. Bank National Association ($2,985 median) and Rocket Mortgage ($4,909 median) was $1,923 on a typical 2025 loan.
FFIEC HMDA 2025
Missouri vs. national
Missouri closing costs ran 7.6% below the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Missouri was $1,524, with the typical lender clustering tightly around that figure. Discount points appeared on 44% of loans, with a median paid amount of $1,466 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 33% of loans, with a median credit of $312.
Avg $2,482
Median $1,466 when present
Median $312 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Missouri) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Missouri
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