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

Across 1,218 closed home-purchase loans in 2025, the median interest rate in Franklin was 6.5%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $4,344 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $4,344
Median loan amount: $225,000

1,218 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.99%–6.75%
Median total loan costs: $4,147
Median loan amount: $215,000

528 loans, 2025.

Lowest median rates in Franklin (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.First State Bank of St. Charles, Missouri6.25%41 loans, median costs $4,011
2.First State Community Bank6.3%35 loans, median costs $4,162
3.GUILD MORTGAGE COMPANY6.5%130 loans, median costs $5,388
4.United Bank of Union6.5%67 loans, median costs $2,845
5.Mortgage Research Center, LLC6.5%37 loans, median costs $3,942

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

Refinance

1.Rocket Mortgage, LLC5.99%35 loans, median costs $9,597
2.Mortgage Research Center, LLC5.99%10 loans, median costs $3,665
3.PENNYMAC LOAN SERVICES, LLC5.995%16 loans, median costs $7,010
4.JLB CORPORATION6.125%21 loans, median costs $7,386
5.FREEDOM MORTGAGE CORPORATION6.25%22 loans, median costs $5,205

Among lenders with at least 10 closed refinance loans in Franklin County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Franklin

Every lender that closed at least 5 qualifying loans in Franklin 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	GUILD MORTGAGE COMPANY	130	6.5%	$5,388	$2,254	$1,039
2	FLAT BRANCH MORTGAGE, INC.	72	6.562%	$4,641	$1,230	$485
3	Bank of Washington	69	n/a	n/a	n/a	n/a
4	United Bank of Union	67	6.5%	$2,845	$950	n/a
5	DAS Acquisition Company, LLC	60	6.625%	$5,728	$1,595	$671
6	Sullivan Bank	55	6.625%	$2,836	$785	n/a
7	First State Bank of St. Charles, Missouri	41	6.25%	$4,011	$1,375	$675
8	Mortgage Research Center, LLC	37	6.5%	$3,942	$0	$1,200
9	NEWREZ LLC	37	6.5%	$3,971	$1,200	$281
10	First State Community Bank	35	6.3%	$4,162	$1,376	$999
11	Bank of Franklin County	33	n/a	n/a	n/a	n/a
12	Citizens Bank	30	n/a	n/a	n/a	n/a
13	Rocket Mortgage, LLC	26	6.562%	$7,163	$2,902	$2,571
14	FIRST COMMUNITY	26	6.75%	$2,220	n/a	n/a
15	Broker Solutions, Inc.	24	6.875%	$5,871	$2,034	$1,522
16	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	22	6.625%	$4,435	$1,354	$576
17	GERSHMAN INVESTMENT CORP.	22	6.625%	$5,151	$1,655	$668
18	The Central Trust Bank	22	6.625%	$4,722	$1,403	$715
19	U.S. Bank National Association	21	6.375%	$4,227	$1,754	$537
20	Stifel Bank and Trust	19	6.375%	$2,900	$510	$231
21	PREMIER MORTGAGE RESOURCES, L.L.C.	17	6.375%	$5,453	$1,690	$420
22	GUARANTEED RATE AFFINITY, LLC	14	6.588%	$4,701	$1,904	$605
23	Farmers and Merchants Bank of St. Clair	12	n/a	n/a	n/a	n/a
24	GENEVA FINANCIAL, LLC	11	6.625%	$4,730	$1,742	$520
25	ENDEAVOR CAPITAL, LLC.	11	6.625%	$6,268	$1,776	$714
26	PLAZA HOME MORTGAGE, INC.broker only	11	6.5%	$6,654	$2,305	$1,229
27	Nations Lending Corporation	10	6.875%	$4,937	$1,808	$732
28	CROSSCOUNTRY MORTGAGE, INC.	9	6.575%	$4,569	$1,690	$1,421
29	USAA Federal Savings Bank	8	6.125%	$4,478	$1,697	$1,230
30	PEOPLE'S SAVINGS BANK OF RHINELAND	7	n/a	n/a	n/a	n/a
31	Town & Country Bank	7	n/a	n/a	n/a	n/a
32	LEADERONE FINANCIAL CORPORATION	7	6.75%	$6,277	$2,857	$5,904
33	Navy Federal Credit Union	7	6.25%	$3,135	$0	n/a
34	FAMILY FINANCE MORTGAGE, LLC	7	6.995%	$4,823	$2,140	$811
35	Fairway Independent Mortgage Corporation	7	6.75%	$4,745	$1,620	$876
36	JPMorgan Chase Bank, National Association	7	6.49%	$831	$831	$831
37	Bank of America, National Association	7	6.25%	$2,670	$764	$4,154
38	PENNYMAC LOAN SERVICES, LLC	7	6.125%	$7,532	$1,675	$495
39	HomeKey Mortgage, LLC	6	6.125%	$4,155	$1,295	$500
40	Heritage Community Bank	6	n/a	n/a	n/a	n/a

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, in plain English

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.

Request quotes on LendingTree

What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Franklin figures above, in your browser, without storing anything.

Common questions

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

The median interest rate on closed home-purchase loans in Franklin County, Missouri in 2025 was 6.5%, across 1,218 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% 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.