Purchase Originations
255
Median Total Costs
$3,056
−54.3% vs national ($6,680)
↑ $152 vs prior year
Median Rate
6.560%
+1.1% vs national (6.490%)
↓ 0.315% vs prior year
Median Origination
$1,000
Median Lender Credits
$150
Denial Rate
8.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 255 | 6.560% | $3,056 | $1,000 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 241 | 6.500% | $3,046 | #48 |
| Arkansas | 5 | 6.875% | $3,304 | — |
| Kansas | 3 | 6.570% | $2,734 | — |
| Florida | 1 | 6.500% | $11,914 | — |
| Illinois | 1 | 6.750% | $2,548 | — |
| Indiana | 1 | 7.125% | $3,571 | — |
| Pennsylvania | 1 | 6.500% | $3,988 | — |
| South Carolina | 1 | 6.875% | $3,763 | — |
| Tennessee | 1 | 6.060% | $3,809 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,548 | 7.260% | — | 2 | −$1,508 | |
| 2 | $2,526 | 6.715% | — | 23 | −$530 | |
| 3 | $2,548 | 6.375% | — | 5 | −$508 | |
| 4 | $2,600 | 7.215% | — | 5 | −$456 | |
| 5 | $2,886 | 6.438% | — | 24 | −$170 | |
| 6 | $2,968 | 6.375% | — | 14 | −$88 | |
| 7 | $3,001 | 6.480% | — | 13 | −$55 | |
| 8 | $3,027 | 6.750% | — | 49 | −$29 | |
| 9 | $3,051 | 6.310% | — | 8 | −$5 | |
| 10 | $3,095 | 6.375% | — | 7 | +$39 | |
| 11 | $3,182 | 6.277% | — | 4 | +$126 | |
| 12 | $3,193 | 6.230% | — | 7 | +$137 | |
| 13 | $3,228 | 6.080% | — | 3 | +$172 | |
| 14 | $3,336 | 6.750% | — | 3 | +$280 | |
| 15 | $3,351 | 6.348% | — | 2 | +$295 | |
| 16 | $3,391 | 6.330% | — | 37 | +$335 | |
| 17 | $3,499 | 6.180% | — | 3 | +$443 | |
| 18 | $3,536 | 6.480% | — | 9 | +$480 | |
| 19 | $3,682 | 6.750% | — | 3 | +$626 | |
| 20 | $4,233 | 7.062% | — | 2 | +$1,177 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The Bank of Missouri | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $3,056 | $7,127 | −$4,071 (−57.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.