Lowest closing cost mortgage lenders in Cole County County, Missouri
In Cole County, Missouri, homebuyers paid a median of $3,758 in closing costs in 2024 — below the Missouri median of $4,120. The county saw 686 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, MISSOURI Credit Union offered the lowest median costs at $2,553, which is $718 less than the county median.
Homebuyers in Cole County County who chose MISSOURI Credit Union paid $1,205 less in closing costs than the county median.
County Median Costs
$3,758
−8.8% vs Missouri ($4,120)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,300
Purchase Originations
686
vs Missouri Median
8.8% below
$-362
vs National Median
44.3% below
$-2,983
Lender rankings in Cole County County
8 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,553 | 6.500% | $800 | 20 | −$718 | |
| 2 | $2,569 | 6.750% | $970 | 11 | −$702 | |
| 3 | $2,798 | 6.490% | $1,114 | 11 | −$473 | |
| 4 | $3,058 | 6.625% | $995 | 128 | −$213 | |
| 5 | $3,185 | 6.875% | $1,300 | 113 | −$86 | |
| 6 | $6,614 | 6.990% | $5,050 | 60 | +$3,343 | |
| 7 | $7,729 | 6.625% | $6,255 | 12 | +$4,458 |
Includes lenders with 10+ purchase originations in Cole County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Missouri → Lender Directory
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.