What people paid for mortgages in Boone County, MO (2025)

Across 1,874 closed home-purchase loans in 2025, the median interest rate in Boone was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $3,358 on a median loan of $275,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $3,358
Median loan amount: $275,000

1,874 loans, 2025.

Refinance

Median rate: 6.125%
Middle half of rates: 5.75%–6.625%
Median total loan costs: $4,169
Median loan amount: $255,000

740 loans, 2025.

Lowest median rates in Boone (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.Mortgage Research Center6.25%110 loans, median costs $3,985
2.US BANK, N.A.6.375%35 loans, median costs $2,540
3.West Community Credit Union6.438%38 loans, median costs $2,554
4.United Wholesale Mortgagebroker only6.498%71 loans, median costs $5,704
5.DAS ACQUISITION COMPANY, LLC6.5%94 loans, median costs $4,033

Among lenders with at least 30 closed purchase loans in Boone County in 2025.

Refinance

1.Mortgage Research Center5.875%35 loans, median costs $3,326
2.ROCKET MORTGAGE5.99%74 loans, median costs $7,213
3.United Wholesale Mortgagebroker only5.999%54 loans, median costs $5,032
4.FLAT BRANCH MORTGAGE, INC.6.062%58 loans, median costs $3,111
5.THE CENTRAL TRUST BANK6.5%66 loans, median costs $3,138

Among lenders with at least 30 closed refinance loans in Boone County in 2025.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in Boone

Every lender that closed at least 5 qualifying loans in Boone County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	FLAT BRANCH MORTGAGE, INC.	424	6.625%	$3,368	$1,230	$831
2	THE CENTRAL TRUST BANK	266	6.625%	$3,550	$1,300	$499
3	River Region Community Federal Credit Union	141	n/a	n/a	n/a	n/a
4	Mortgage Research Center	110	6.25%	$3,985	$827	$1,515
5	DAS ACQUISITION COMPANY, LLC	94	6.5%	$4,033	$1,569	$900
6	United Wholesale Mortgagebroker only	71	6.498%	$5,704	$2,844	$2,364
7	Bell Bank	43	6.75%	$3,183	$1,922	$575
8	West Community Credit Union	38	6.438%	$2,554	$1,300	$1,639
9	ROCKET MORTGAGE	38	6.625%	$4,058	$2,257	$2,030
10	US BANK, N.A.	35	6.375%	$2,540	$1,575	$614
11	FIRST STATE COMMUNITY BANK	29	6.5%	$2,763	$1,376	$1,206
12	THE BANK OF MISSOURI	23	6.715%	$2,526	$850	n/a
13	Mid America Bank	22	n/a	n/a	n/a	n/a
14	American Pacific Mortgage Corporation	19	6.5%	$3,219	$1,695	$1,494
15	FIRST STATE BANK OF ST CHARLES	18	6.5%	$2,651	$1,375	$2,341
16	Midwest Mortgage Associates Corp	18	6.562%	$4,495	$2,400	$998
17	Navy Federal Credit Union	16	6%	$2,659	$0	$2,070
18	GUILD MORTGAGE COMPANY	16	6.688%	$4,907	$3,396	$3,086
19	HAWTHORN BANK	15	6.375%	$2,331	$970	n/a
20	First Mid Bank and Trust, NA	15	6.625%	$1,973	$900	$4,106
21	Missouri Credit Union	14	n/a	n/a	n/a	n/a
22	THE CALLAWAY BANK	13	n/a	n/a	n/a	n/a
23	SIMMONS BANK	13	6.625%	$2,542	$1,335	$575
24	COMMERCE BANK	13	6.375%	$2,001	$600	$1,730
25	Exchange Bank of Missouri	12	n/a	n/a	n/a	n/a
26	NEW AMERICAN FUNDING, LLC.	12	6.688%	$4,352	$2,231	$980
27	GERSHMAN INVESTMENT CORP.	12	6.75%	$2,609	$920	$800
28	NBKC BANK	11	6.375%	$2,052	$373	$839
29	COMMERCIAL TRUST COMPANY	10	n/a	n/a	n/a	n/a
30	GUARANTEED RATE, INC.	10	6.25%	$7,848	$1,515	$1,541
31	ARVEST BANK	10	6.438%	$2,870	$1,345	$2,978
32	Union Home Mortgage Corp.	9	6.125%	$4,410	$1,766	$631
33	JPMorgan Chase Bank, NA	9	6.365%	$1,742	$682	$2,041
34	Bank of America NA	9	6.25%	$2,386	$1,127	$2,546
35	T2 FINANCIAL LLC	8	6.688%	$7,666	$3,581	$2,560
36	First Midwest Bank of the Ozarks	8	n/a	n/a	n/a	n/a
37	PENNYMAC LOAN SERVICES LLC	8	6.437%	$7,269	$3,187	$3,237
38	Geneva Financial LLC	6	6.688%	$4,267	$1,645	$21
39	NEWREZ LLC	6	6.12%	$5,209	$1,014	$910
40	Nationstar Mortgage	6	6.688%	$3,215	$1,804	$2,168

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights

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One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

What happens after you submit

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Common questions

What mortgage rate did people get in Boone County in 2025?

The median interest rate on closed home-purchase loans in Boone County, Missouri in 2025 was 6.5%, across 1,874 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.