Homebuyers in Lincoln County County who chose HNB National Bank paid $1,950 less in closing costs than the county median.
County Median Costs
$4,585
+7.3% vs Missouri ($4,275)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,494
Purchase Originations
704
Denial Rate
10.2%
vs Missouri avg (7.0%)
vs Missouri Median
7.3% above
$310
vs National Median
31.4% below
$-2,095
13 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,635 | 6.562% | $595 | 12 | −$1,374 | |
| 2 | $2,983 | 6.250% | $510 | 15 | −$1,026 | |
| 3 | $3,506 | 6.620% | $1,220 | 12 | −$503 | |
| 4 | $3,943 | 6.625% | $1,375 | 28 | −$66 | |
| 5 | $3,948 | 6.875% | $1,195 | 18 | −$61 | |
| 6 | $3,988 | 6.625% | $1,230 | 41 | −$21 | |
| 7 | $4,034 | 6.875% | $1,444 | 54 | +$25 | |
| 8 | $4,410 | 6.750% | $1,595 | 26 | +$401 | |
| 9 | $4,514 | 6.625% | $1,499 | 20 | +$505 | |
| 10 | $4,516 | 6.875% | $1,745 | 13 | +$507 | |
| 11 | $4,528 | 6.625% | $1,598 | 10 | +$519 | |
| 12 | $5,035 | 6.500% | $2,868 | 21 | +$1,026 |
Includes lenders with 10+ purchase originations in Lincoln County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Missouri → Lender Directory
Found your lender? Make sure their quote is fair.
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 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.