Lowest closing cost mortgage lenders in Polk County County, Missouri
In Polk County, Missouri, homebuyers paid a median of $3,632 in closing costs in 2024 — below the Missouri median of $4,120. The county saw 295 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Oakstar Bank offered the lowest median costs at $2,497, which is $428 less than the county median.
Homebuyers in Polk County County who chose Oakstar Bank paid $1,135 less in closing costs than the county median.
County Median Costs
$3,632
−11.8% vs Missouri ($4,120)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,173
Purchase Originations
295
vs Missouri Median
11.8% below
$-488
vs National Median
46.1% below
$-3,109
Lender rankings in Polk County County
3 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,497 | 6.990% | $840 | 29 | −$428 | |
| 2 | $2,740 | 6.625% | $1,303 | 19 | −$185 | |
| 3 | $2,860 | 6.750% | $1,135 | 26 | −$65 |
Includes lenders with 10+ purchase originations in Polk 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.