Missouri permissible fees

In Missouri, mortgage brokers may not require payment of fees prior to loan closing except for actual and necessary third-party charges (administered per rule) and rate-lock fees, provided the broker is also a lender. A broker that is not a lender cannot charge a rate-lock fee. No specific state-imposed caps or prohibitions on origination, application, processing, or underwriting fees are provided; lender fees are not addressed, so federal requirements apply.