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.
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 Center, LLC6.25%110 loans, median costs $3,985
- 2.U.S. Bank National Association6.375%35 loans, median costs $2,540
- 3.West Community Credit Union6.438%38 loans, median costs $2,554
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker 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 Center, LLC5.875%35 loans, median costs $3,326
- 2.Rocket Mortgage, LLC5.99%74 loans, median costs $7,213
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker 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.
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 Credit Union | 141 | n/a | n/a | n/a | n/a |
| 4 | Mortgage Research Center, LLC | 110 | 6.25% | $3,985 | $827 | $1,515 |
| 5 | DAS Acquisition Company, LLC | 94 | 6.5% | $4,033 | $1,569 | $900 |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLCbroker 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, LLC | 38 | 6.625% | $4,058 | $2,257 | $2,030 |
| 10 | U.S. Bank National Association | 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, Missouri | 18 | 6.5% | $2,651 | $1,375 | $2,341 |
| 16 | Midwest Mortgage Associates Corporation | 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 & Trust, National Association | 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 | Broker Solutions, Inc. | 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 OF FAYETTE | 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, National Association | 9 | 6.365% | $1,742 | $682 | $2,041 |
| 34 | Bank of America, National Association | 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 LLC | 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.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Boone figures above, in your browser, without storing anything.
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.