Mortgage Rates Missouri (MO) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Missouri. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Missouri as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit Union106 W Madison Ave Ste 200, Saint Louis, MO, 63122 4200A+5.0 ★Texas Ratio: 4.79% at 5.50%, Neighbors Credit UnionNeighbors Credit Union11899 New Halls Ferry Rd, Ellisville, MO, 63011A5.0 ★Texas Ratio: 8.62% at 5.62%, Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO, 63043A5.0 ★Texas Ratio: 7.73% at 6.00%, Associated BankAssociated Bank10044 West Florissant Ave, Saint Louis, MO, 63136A+5.0 ★Texas Ratio: 4.62% at 6.00%, and UCB United Community BankUCB United Community Bank123 W Lafayette St, Palmyra, MO, 63461A+5.0 ★Texas Ratio: 3.04% at 6.25%.
Mortgage rates in Missouri (MO) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Missouri borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Missouri Mortgage Rate Trends
Compare local Missouri mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — MO Avg
6.469%
▲ 0.384 from last week
For buyers in Missouri, the broader Missouri 30-year fixed average mortgage rate rose 0.384 points this week to 6.469%, according to MonitorBankRates trend data.
15-Year Fixed — MO Avg
5.814%
▼ 1.957 from last week
For buyers in Missouri, the broader Missouri 15-year fixed average mortgage rate fell 1.957 points this week to 5.814%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Missouri
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
106 W Madison Ave Ste 200, Saint Louis, MO, 63122 4200
30-Year Fixed Mortgage
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedMar 18, 2026
Details
Promotional rate subject to credit qualification and program type (purchases and rate/term refinances vs. cash-out). End of Watch Loan Protection is available only for qualifying officer, firefighter or EMT and may not be purchased outright. This debt cancellation benefit only applies in the case of death. See loan addendum upon closing for details.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO, 63011
30 Year Fixed
5.62%
5.83%
▼
Rate5.62%
APR5.83%
Points1.250
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
30-Year Fixed Mortgage
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
10044 West Florissant Ave, Saint Louis, MO, 63136
30 Year Fixed
6.00%
6.10%
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
30 Year Fixed
30
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO, 63011
30 Year Fixed
6.12%
6.21%
▼
Rate6.12%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
123 W Lafayette St, Palmyra, MO, 63461
30 Year Fixed Rate Mortgage
30
6.25%
6.30%
▼
Rate6.25%
APR6.30%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1007 Bowles Ave, Arnold, MO, 63010
30-Year Fixed Conventional
30
6.25%
6.32%
▼
Rate6.25%
APR6.32%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Bank of Old Monroe
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
#10 Freise Industrial Drive, Moscow Mills, MO, 63362
30 Year Fixed Rate
30
6.25%
6.34%
▼
Rate6.25%
APR6.34%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
10044 West Florissant Ave, Saint Louis, MO, 63136
30 Year Fixed
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO, 63103
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
#1 Lake St Louis Boulevard, Arnold, MO, 63010
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1051 Highway K, Fenton, MO, 63026 1913
30-Year Fixed-Rate Home Loan
30
6.00%
6.61%
▼
Rate6.00%
APR6.61%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO, 63011
15 Year Fixed
5.00%
5.32%
▼
Rate5.00%
APR5.32%
Points1.250
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
15-Year Fixed Mortgage
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO, 63011
15 Year Fixed
5.50%
5.63%
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
15 Year Fixed
15
5.38%
5.65%
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details
As Low As
Bank of Old Monroe
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
#10 Freise Industrial Drive, Moscow Mills, MO, 63362
15 Year Fixed Rate
15
5.50%
5.65%
▼
Rate5.50%
APR5.65%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO, 63103
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65101
15-Year Fixed Rate Loan
5.75%
5.75%
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
10044 West Florissant Ave, Saint Louis, MO, 63136
15 Year Fixed
5.62%
5.79%
▼
Rate5.62%
APR5.79%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
123 W Lafayette St, Palmyra, MO, 63461
15 Year Fixed Rate
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
123 W Lafayette St, Palmyra, MO, 63461
15 Year Fixed Rate Mortgage
15
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1007 Bowles Ave, Arnold, MO, 63010
15-Year Fixed Conventional
15
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1051 Highway K, Fenton, MO, 63026 1913
15-Year Fixed-Rate Home Loan
15
5.62%
6.62%
▼
Rate5.62%
APR6.62%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
100 Progress Point Ct, Bridgeton, MO, 63011
15/15 ARM
5.75%
5.92%
▼
Rate5.75%
APR5.92%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
100 Progress Point Ct, Bridgeton, MO, 63011
7/1 ARM
5.50%
5.99%
▼
Rate5.50%
APR5.99%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
5/1 Year ARM
5.12%
6.17%
▼
Rate5.12%
APR6.17%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
#1 Lake St Louis Boulevard, Arnold, MO, 63010
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
#1 Lake St Louis Boulevard, Arnold, MO, 63010
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Land - 5 Year Adjustable
6.25%
6.25%
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO, 63103
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
#1 Lake St Louis Boulevard, Arnold, MO, 63010
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
#1 Lake St Louis Boulevard, Arnold, MO, 63010
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.725
UpdatedMar 15, 2026
Details
No additional details available.
Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1017 E Republic Rd, Springfield, MO, 65802 3704
5/5 ARM
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
100 Circle Dr, Gerald, MO, 63037
5/3 Adjustable-Rate Mortgage
5.75%
6.33%
▼
Rate5.75%
APR6.33%
Points0.000
UpdatedMar 18, 2026
Details
Discounted Loan Origination Fee; First-time Homebuyer; Minimum Down Payment of 5% with PMI Coverage for Qualified Borrowers; Owner Occupied Primary Residence; Single Family Homes, Townhomes, Condos and more!; Income and purchase price limits apply
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
#1 Lake St Louis Boulevard, Arnold, MO, 63010
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.936
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
100 Circle Dr, Gerald, MO, 63037
First-Time Homebuyers Program. 5/3 Adjustable-Rate Mortgage
5.75%
6.38%
▼
Rate5.75%
APR6.38%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1051 Highway K, Fenton, MO, 63026 1913
3/1 ARM
6.00%
6.61%
▼
Rate6.00%
APR6.61%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1051 Highway K, Fenton, MO, 63026 1913
5/1 ARM
6.12%
6.73%
▼
Rate6.12%
APR6.73%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65101
Land Adjustable Rate Loan
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Land - 10 Year Adjustable
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1051 Highway K, Fenton, MO, 63026 1913
7/1 ARM
6.25%
6.86%
▼
Rate6.25%
APR6.86%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1075 N HIGHWAY 67 St, Arnold, MO, 63010 2157
Adjustable Rate Mortgage 5/6mo ARM
5.62%
6.88%
▼
Rate5.62%
APR6.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1075 N HIGHWAY 67 St, Arnold, MO, 63010 2157
Jumbo 5/6mo ARM
5.62%
6.88%
▼
Rate5.62%
APR6.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1075 N HIGHWAY 67 St, Arnold, MO, 63010 2157
Adjustable Rate Mortgage 7/6mo ARM FTHB
6.12%
7.13%
▼
Rate6.12%
APR7.13%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO, 63011
Jumbo
5.50%
5.63%
▼
Rate5.50%
APR5.63%
Points1.250
UpdatedMar 20, 2026
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO, 63011
Jumbo
6.00%
6.02%
▼
Rate6.00%
APR6.02%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1075 N HIGHWAY 67 St, Arnold, MO, 63010 2157
Jumbo 15-Year
15
5.88%
6.07%
▼
Rate5.88%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Jumbo 30 Year Fixed
30
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
#1 Lake St Louis Boulevard, Arnold, MO, 63010
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1075 N HIGHWAY 67 St, Arnold, MO, 63010 2157
Jumbo 30-Year
30
6.38%
6.49%
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
#1 Lake St Louis Boulevard, Arnold, MO, 63010
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
#1 Lake St Louis Boulevard, Arnold, MO, 63010
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1101 N Bishop Ave, Fort Leonard Wood, MO, 65065 3276
FHA Loan
15 - 30 Years
5.50%
6.08%
▼
Rate5.50%
APR6.08%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
1000 E 32nd St, Alba, MO, 64755
30-year fixed rate FHA
6.00%
6.24%
▼
Rate6.00%
APR6.24%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1017 E Republic Rd, Springfield, MO, 65802 3704
FHA, VA, USDA Loans
5.62%
6.43%
▼
Rate5.62%
APR6.43%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO, 63011
30 Year FHA
5.62%
6.52%
▼
Rate5.62%
APR6.52%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
#1 Lake St Louis Boulevard, Arnold, MO, 63010
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
10044 West Florissant Ave, Saint Louis, MO, 63136
30 Year FHA
6.00%
6.85%
▼
Rate6.00%
APR6.85%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1101 N Bishop Ave, Fort Leonard Wood, MO, 65065 3276
VA Loan
10 - 30 Years
5.50%
5.77%
▼
Rate5.50%
APR5.77%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO, 63103
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
1000 E 32nd St, Alba, MO, 64755
30-year fixed VA
6.00%
6.24%
▼
Rate6.00%
APR6.24%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
#1 Lake St Louis Boulevard, Arnold, MO, 63010
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Missouri directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Missouri. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in MO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Missouri
How does my credit score affect my rate in Missouri?
Your credit score is a major factor. Generally, borrowers in Missouri with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Missouri because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Missouri?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Missouri, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Missouri, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Missouri?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Missouri, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Missouri?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Missouri offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Missouri?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Missouri?
- Chicago Patrolmens Federal Credit Union: 5.50% (30-Year Fixed Mortgage)
- Neighbors Credit Union: 5.62% (30 Year Fixed)
- Baxter Credit Union: 6.00% (30-Year Fixed Mortgage)
- Associated Bank: 6.00% (30 Year Fixed)
- UCB United Community Bank: 6.25% (30 Year Fixed Rate Mortgage)
Mortgage Rates reflect actual verified offers from lenders actively lending to Missouri borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in Missouri
