Kansas City USDA Loan Rates, Closing Costs & Stats

KANSAS CITY, MO-KS

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Kansas City's 67 lenders originated 226 USDA loans during 2024. The total origination value was $46,290,000, with an average USDA loan value of $204,823.

    Kansas City USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Kansas City averaged 0.08% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

    Kansas City's average USDA mortgage closing costs are $4,457.

    The average rate for the prior week (2025-06-13) was 6.88% and one month ago for the week of 2025-05-16, the average rate was 6.84%.

    The average rate one year ago was 6.66%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.35%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Kansas City USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Kansas City level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    FLAT BRANCH MORTGAGE, INC. 38 6.59% $5,309
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 6.46% $5,767
    COMMUNITY MORTGAGE, LLC 12 6.03% $5,975
    GUILD MORTGAGE COMPANY 11 6.33% $6,108
    UNION HOME MORTGAGE CORP. 11 6.65% $6,257
    LEADERONE FINANCIAL CORPORATION 7 6.57% $5,418
    UNITED WHOLESALE MORTGAGE, LLC 7 6.38% $7,164
    Flagstar Bank, FSB 7 6.83% $4,621
    Equity Prime Mortgage LLC 7 6.29% $5,304
    PRIMELENDING, A PLAINSCAPITAL COMPANY 6 6.90% $7,151
    First State Bank of St. Charles, Missouri 4 5.91% $5,222
    American Mortgage & Equity Consultants, Inc. 4 6.63% $6,555
    Paramount Residential Mortgage Group, Inc. 4 6.84% $5,175
    COMMUNITYAMERICA 4 6.53% $9,472
    The Central Trust Bank 4 6.65% $5,655
    Mortgage Investment Services Corporation 3 6.42% $3,112
    GENEVA FINANCIAL, LLC 3 6.71% $6,934
    Ameris Bank 3 6.33% $4,628
    Midwest Mortgage Associates Corporation 3 6.46% $2,398
    NBH Bank 3 6.96% $3,542
    PLAZA HOME MORTGAGE, INC. 3 6.20% $3,753
    Stride Bank 3 6.38% $5,288
    Waterstone Mortgage Corporation 2 7.19% $6,090
    BAY EQUITY LLC 2 6.69% $5,858
    BAYSHORE MORTGAGE FUNDING, LLC 2 6.62% $6,135
    DAS Acquisition Company, LLC 2 7.13% $5,336
    ENDEAVOR CAPITAL, LLC. 2 6.25% $5,399
    First National Bank of Omaha 2 6.88% $6,440
    Gateway First Bank 2 6.50% $5,501
    GERSHMAN INVESTMENT CORP. 2 6.31% $6,138
    Landmark National Bank 2 6.13% $4,539
    MEGASTAR FINANCIAL CORP. 2 6.31% $5,062
    Mortgage Research Center, LLC 2 6.87% $2,925
    OPEN MORTGAGE, LLC 2 6.63% $5,961
    Plains Commerce Bank 2 6.56% $6,559
    S1L, Inc. 2 6.06% $10,518
    SUMMIT FUNDING, INC. 2 5.94% $7,318
    TOWNE MORTGAGE COMPANY 2 6.69% $4,984
    LOANDEPOT.COM, LLC 1 5.75% $5,622
    Armed Forces Bank 1 6.63% $6,178
    MID AMERICA MORTGAGE, INC. 1 6.63% $2,715
    Equity Bank 1 6.00% $4,450
    CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $7,053
    Academy Bank 1 6.38% $5,566
    MOVEMENT MORTGAGE, LLC 1 7.25% $4,627
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.63% $5,181
    Community National Bank & Trust 1 6.88% $5,497
    TruHome Solutions, LLC 1 5.63% $6,581
    Paramount Bank 1 6.13% $6,475
    Century Mortgage Company DBA Century Lending Company 1 6.50% $5,041
    UMB Bank 1 5.50% $4,642
    PLANET HOME LENDING, LLC 1 3.25% $957
    CARDINAL FINANCIAL 1 7.25% $5,093
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.75% $7,183
    Bell Bank 1 6.25% $6,488
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.38% $7,202
    STAUNTON FINANCIAL, INC. 1 5.50% $10,709
    First Federal Bank 1 6.25% $7,528
    ASSEMBLIES OF GOD Credit Union 1 6.63% $4,248
    FIRST COMMUNITY MORTGAGE, INC. 1 7.13% $4,300
    AMERICAN FINANCIAL NETWORK, INC. 1 6.75% $5,101
    GUARANTEED RATE, INC. 1 6.50% $6,038
    First Bank 1 6.38% $6,518
    HALLMARK HOME MORTGAGE, LLC 1 5.62% $9,178
    Hawthorn Bank 1 6.00% $5,130
    T2 FINANCIAL LLC 1 6.13% $5,621
    EVERETT FINANCIAL, INC. 1 6.00% $5,306

    The top Kansas City USDA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 38 USDA loans originated. Their average total fees are $5,309, which is $458 lower than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

    The lowest fee Kansas City USDA lenders (with over 10 loans originated) are FLAT BRANCH MORTGAGE, INC. ($5,309), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,767), COMMUNITY MORTGAGE, LLC ($5,975), GUILD MORTGAGE COMPANY ($6,108) and UNION HOME MORTGAGE CORP. ($6,257).

    The lowest rate Kansas City USDA lenders (with over 10 loans originated) are COMMUNITY MORTGAGE, LLC (6.03%), GUILD MORTGAGE COMPANY (6.33%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.46%), FLAT BRANCH MORTGAGE, INC. (6.59%) and UNION HOME MORTGAGE CORP. (6.65%).