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

Across 861 closed home-purchase loans in 2025, the median interest rate in Lincoln was 6.625%, and the middle half of borrowers got between 6.25% and 7%. Median total loan costs ran $4,561 on a median loan of $275,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–7%
Median total loan costs: $4,561
Median loan amount: $275,000

861 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.99%–6.75%
Median total loan costs: $5,065
Median loan amount: $255,000

444 loans, 2025.

Lowest median rates in Lincoln (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.FLAT BRANCH MORTGAGE, INC.6.5%69 loans, median costs $4,367
2.First State Bank of St. Charles, Missouri6.5%41 loans, median costs $4,203
3.DAS Acquisition Company, LLC6.625%48 loans, median costs $6,563
4.GUILD MORTGAGE COMPANY6.75%89 loans, median costs $4,342
5.Broker Solutions, Inc.6.75%40 loans, median costs $6,669

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

Refinance

1.PENNYMAC LOAN SERVICES, LLC5.99%20 loans, median costs $6,250
2.JLB CORPORATION5.99%16 loans, median costs $8,164
3.FLAT BRANCH MORTGAGE, INC.6.125%13 loans, median costs $3,446
4.NEWREZ LLC6.188%10 loans, median costs $4,135
5.FREEDOM MORTGAGE CORPORATION6.25%29 loans, median costs $5,483

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

Lender by lender in Lincoln

Every lender that closed at least 5 qualifying loans in Lincoln 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	89	6.75%	$4,342	$1,489	$608
2	FLAT BRANCH MORTGAGE, INC.	69	6.5%	$4,367	$1,230	$803
3	DAS Acquisition Company, LLC	48	6.625%	$6,563	$1,643	$1,023
4	The Bank of Old Monroe	45	n/a	n/a	n/a	n/a
5	First State Bank of St. Charles, Missouri	41	6.5%	$4,203	$1,375	$834
6	Broker Solutions, Inc.	40	6.75%	$6,669	$2,124	$923
7	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	25	6.655%	$4,494	$1,195	$2,196
8	Mortgage Research Center, LLC	24	6.25%	$3,223	$245	$1,075
9	Rocket Mortgage, LLC	23	6.49%	$5,035	$2,868	$2,556
10	Nations Lending Corporation	22	6.938%	$4,733	$1,425	$993
11	CROSSCOUNTRY MORTGAGE, INC.	20	6.575%	$8,159	$1,640	$3,000
12	Stifel Bank and Trust	18	6.188%	$3,003	$510	$168
13	GUARANTEED RATE AFFINITY, LLC	16	6.375%	$6,136	$2,271	$1,007
14	VANDERBILT MORTGAGE AND FINANCE, INC.	16	10.87%	$4,853	$3,355	$630
15	GENEVA FINANCIAL, LLC	16	6.688%	$6,336	$2,766	$1,283
16	FIRST COMMUNITY	16	6.75%	$2,327	n/a	n/a
17	PEOPLES BANK & TRUST CO.	15	n/a	n/a	n/a	n/a
18	AMERICAN PACIFIC MORTGAGE CORPORATION	15	6.625%	$4,729	$1,695	$988
19	U.S. Bank National Association	15	6.5%	$3,560	$1,245	$87
20	GERSHMAN INVESTMENT CORP.	14	6.5%	$4,853	$1,170	$352
21	HNB National Bank	12	6.562%	$2,635	$595	n/a
22	PEOPLE'S SAVINGS BANK OF RHINELAND	11	n/a	n/a	n/a	n/a
23	TRIAD FINANCIAL SERVICES, INC.	11	9.6%	n/a	n/a	n/a
24	Community State Bank of Missouri	8	n/a	n/a	n/a	n/a
25	DELMAR FINANCIAL COMPANY	8	6.875%	$4,627	$1,630	$483
26	TAMMAC HOLDINGS CORPORATION	8	8.9%	n/a	n/a	n/a
27	LEADERONE FINANCIAL CORPORATION	7	6.5%	$9,506	$3,532	$4,032
28	Fairway Independent Mortgage Corporation	7	6.75%	$6,155	$2,311	$783
29	21st Mortgage Corporation	7	9.56%	$5,970	$4,392	n/a
30	Bank of Springfield	6	6.375%	$3,642	$867	$474
31	Navy Federal Credit Union	5	6%	$3,588	$0	$3,300
32	THOMPSON KANE & COMPANY, INC	5	6.5%	$3,852	$1,290	n/a
33	ACCESS CAPITAL FUNDING, L.L.C.	5	6.75%	$5,262	$695	n/a
34	Bell Bank	5	6.375%	$8,791	$1,195	n/a
35	Regions Bank	5	6.875%	$3,927	$1,153	$731
36	PENNYMAC LOAN SERVICES, LLC	5	6.49%	$4,561	$1,390	$1,864

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 Lincoln figures above, in your browser, without storing anything.

Common questions

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

The median interest rate on closed home-purchase loans in Lincoln County, Missouri in 2025 was 6.625%, across 861 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 7%.

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.