Kansas City USDA Loan Rates, Closing Costs & Stats

KANSAS CITY, MO-KS

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%).