Lowest closing cost mortgage lenders in Ray County County, Missouri
In Ray County, Missouri, homebuyers paid a median of $4,716 in closing costs in 2024 — above the Missouri median of $4,120. The county saw 240 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, FAIRWAY INDEPENDENT MORTGAGE CORPORATION offered the lowest median costs at $3,287, which is $116 less than the county median.
Homebuyers in Ray County County who chose FAIRWAY INDEPENDENT MORTGAGE CORPORATION paid $1,429 less in closing costs than the county median.
County Median Costs
$4,716
+14.5% vs Missouri ($4,120)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,550
Purchase Originations
240
vs Missouri Median
14.5% above
$596
vs National Median
30.0% below
$-2,025
Lender rankings in Ray County County
4 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,287 | 6.990% | $1,613 | 11 | −$116 | |
| 2 | $3,367 | 6.875% | $1,510 | 10 | −$36 | |
| 3 | $3,517 | 6.808% | $1,305 | 12 | +$114 | |
| 4 | $4,291 | 7.500% | $1,527 | 11 | +$888 |
Includes lenders with 10+ purchase originations in Ray 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
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 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.