Kansas City VA Loan Rates, Closing Costs & Stats

KANSAS CITY, MO-KS

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Kansas City's 159 lenders originated 3,580 VA loans during 2024. The total origination value was $1,208,130,000, with an average VA loan value of $337,466.

    Kansas City VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Kansas City averaged 0.43% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Kansas City's average VA mortgage closing costs are $5,570.

    The average rate for the prior week (2025-06-13) was 6.67% and one month ago for the week of 2025-05-16, the average rate was 6.63%.

    The average rate one year ago was 7.03%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.2%.

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

    Kansas City VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 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
    Mortgage Research Center, LLC 543 6.36% $6,288
    UNITED WHOLESALE MORTGAGE, LLC 252 6.07% $6,193
    PENNYMAC LOAN SERVICES, LLC 177 5.65% $6,592
    FREEDOM MORTGAGE CORPORATION 174 6.20% $6,652
    QUICKEN LOANS, LLC 171 6.04% $10,138
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 111 6.26% $5,500
    FLAT BRANCH MORTGAGE, INC. 103 6.36% $7,653
    NAVY FEDERAL CREDIT UNION 97 5.84% $6,252
    USAA Federal Savings Bank 90 6.14% $7,038
    PRIMELENDING, A PLAINSCAPITAL COMPANY 80 6.51% $5,731
    NBKC BANK 74 5.95% $6,151
    NEWREZ LLC 61 5.92% $7,028
    Prosperity Home Mortgage, LLC 58 6.13% $6,794
    COMMUNITY MORTGAGE, LLC 58 6.08% $6,741
    CROSSCOUNTRY MORTGAGE, LLC 55 6.08% $7,108
    COMMUNITYAMERICA 54 6.36% $5,476
    NEW DAY FINANCIAL, LLC 50 7.44% $11,435
    VILLAGE CAPITAL MORTGAGE 49 5.77% $6,520
    GUILD MORTGAGE COMPANY 48 6.39% $7,478
    First State Bank of St. Charles, Missouri 42 6.25% $6,692
    LEADERONE FINANCIAL CORPORATION 41 6.53% $8,013
    PLANET HOME LENDING, LLC 38 5.87% $3,447
    MORTGAGE SOLUTIONS OF COLORADO, LLC 37 6.91% $4,611
    ENDEAVOR CAPITAL, LLC. 37 6.04% $7,062
    LOANDEPOT.COM, LLC 34 6.04% $9,100
    LAKEVIEW LOAN SERVICING, LLC 29 5.83% $5,720
    MUTUAL OF OMAHA MORTGAGE, INC. 29 6.23% $15,175
    Mr. Cooper ( Nationstar Mortgage ) 26 6.10% $6,884
    Armed Forces Bank 26 5.95% $6,355
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 25 6.17% $6,567
    Bell Bank 25 6.12% $5,598
    The Federal Savings Bank 24 6.48% $13,249
    First Federal Bank 23 5.93% $5,085
    First Bank 21 6.38% $6,296
    SUMMIT FUNDING, INC. 21 6.49% $7,250
    Flagstar Bank, FSB 20 6.47% $5,887
    BROKER SOLUTIONS, INC. 17 6.33% $13,060
    North American Savings Bank, F.S.B. 16 6.13% $7,894
    VANDERBILT MORTGAGE AND FINANCE, INC. 16 5.95% $6,205
    MID AMERICA MORTGAGE, INC. 16 6.48% $3,017
    Stride Bank 15 6.28% $7,048
    Arvest Bank 15 6.34% $3,720
    UNION HOME MORTGAGE CORP. 15 6.40% $5,826
    MEGASTAR FINANCIAL CORP. 15 6.39% $7,274
    SUN WEST MORTGAGE COMPANY, INC. 13 6.03% $7,172
    Equity Prime Mortgage LLC 13 6.79% $9,162
    HALLMARK HOME MORTGAGE, LLC 13 6.54% $8,076
    GUARANTEED RATE, INC. 12 5.99% $5,089
    LOANPAL, LLC 11 6.08% $12,527
    Academy Bank 11 6.17% $4,256
    EVERETT FINANCIAL, INC. 11 6.70% $6,965
    HOMEBRIDGE FINANCIAL SERVICES, INC. 10 6.45% $3,785
    The Central Trust Bank 9 6.64% $7,155
    BAYSHORE MORTGAGE FUNDING, LLC 9 6.72% $10,840
    American Mortgage Bank, LLC 9 6.57% $13,219
    GENEVA FINANCIAL, LLC 8 6.38% $6,692
    Magnolia Bank 8 5.80% $23,060
    Waterstone Mortgage Corporation 8 6.50% $10,212
    T2 FINANCIAL LLC 8 6.84% $6,024
    PENTAGON FEDERAL CREDIT UNION 7 6.05% $5,438
    PREMIER MORTGAGE RESOURCES, L.L.C. 7 6.45% $5,377
    Barrington Bank & Trust Company, N.A. 7 6.18% $4,404
    BAY EQUITY LLC 6 6.58% $5,900
    AMERISAVE MORTGAGE CORPORATION 6 5.79% $22,386
    Carrington Mortgage Services, LLC 6 5.96% $9,853
    First National Bank of Omaha 6 6.27% $5,580
    Midwest Mortgage Associates Corporation 6 6.27% $6,106
    Oakstar Bank 6 6.40% $3,764
    OPEN MORTGAGE, LLC 6 6.35% $10,371
    S1L, Inc. 6 6.25% $12,271
    U.S. Bank 6 6.29% $7,542
    CANOPY MORTGAGE, LLC 5 6.20% $12,081
    AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.70% $8,079
    Texana Bank 5 6.28% $10,288
    Mazuma Credit Union 5 6.33% $7,044
    Hawthorn Bank 5 5.93% $4,525
    MOVEMENT MORTGAGE, LLC 5 6.90% $14,316
    Century Mortgage Company DBA Century Lending Company 4 5.84% $4,310
    JPMorgan Chase Bank 4 5.94% $8,391
    CMG MORTGAGE, INC. 4 6.59% $4,882
    TOWNE MORTGAGE COMPANY 4 6.72% $11,643
    First Federal Bank of Kansas City 4 6.53% $14,846
    HOMESIDE FINANCIAL, LLC 4 6.91% $11,321
    PHH Mortgage Corporation 3 6.21% $6,481
    AMERICAN FINANCIAL NETWORK, INC. 3 6.17% $17,014
    NBH Bank 3 6.29% $4,638
    CARDINAL FINANCIAL 3 6.54% $22,740
    Paramount Residential Mortgage Group, Inc. 3 6.37% $12,643
    Sunflower Bank 3 6.29% $4,025
    American Mortgage & Equity Consultants, Inc. 3 6.92% $5,793
    Plains Commerce Bank 3 6.50% $6,364
    BOKF 3 6.42% $11,048
    SUCCESS MORTGAGE PARTNERS, INC. 2 7.06% $8,734
    Farmers Bank & Trust 2 5.94% $1,445
    ENVOY MORTGAGE, LTD 2 6.38% $7,375
    Members Mortgage Services, L.L.C. 2 6.19% $3,490
    DAS Acquisition Company, LLC 2 6.19% $6,356
    ALLIANT CREDIT UNION 2 6.06% $3,005
    Mortgage Investment Services Corporation 2 5.94% $4,416
    Cornerstone First Mortgage, Inc 2 6.38% $9,684
    M&T Bank 2 6.63% $7,847
    Nations Lending Corporation 2 6.75% $21,783
    NexBank 2 5.69% $6,886
    NFM, INC. 2 7.06% $15,722
    Paramount Bank 2 6.94% $4,617
    Capital Bank 2 6.19% $5,183
    ROYAL UNITED MORTGAGE LLC 2 6.38% $15,932
    Willamette Valley Bank 2 5.63% $8,838
    SIRVA MORTGAGE, INC. 2 6.81% $3,076
    Ameris Bank 2 6.19% $8,148
    TOP FLITE FINANCIAL, INC. 2 6.69% $15,695
    AMERICAN FINANCING CORPORATION 2 6.12% $11,436
    GERSHMAN INVESTMENT CORP. 2 6.31% $4,853
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 2 6.19% $2,154
    Commercial Bank of Texas 1 6.99% $2,208
    Community Mortgage Banc Corporation 1 6.88% $2,421
    Home Mortgage Alliance Corp 1 6.25% $24,186
    PLAZA HOME MORTGAGE, INC. 1 6.25% $3,916
    POINT Mortgage 1 5.75% $4,113
    Core Bank 1 6.25% $4,090
    Presidential Bank, FSB 1 6.25% $16,204
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.50% $6,991
    CALCON MUTUAL MORTGAGE LLC 1 6.63% $12,838
    Mid-Continent Funding, Inc. 1 6.25% $6,044
    BETTER MORTGAGE CORPORATION 1 6.50% $5,452
    Regent Financial Group, Inc. 1 6.75% $10,571
    RELIANCE FIRST CAPITAL, LLC 1 6.38% $20,283
    R-G Federal Credit Union 1 6.75% $28,401
    ZILLOW HOME LOANS, LLC 1 5.75% $3,883
    RUOFF MORTGAGE COMPANY, INC. 1 6.63% $5,450
    US MORTGAGE CORPORATION 1 6.75% $4,208
    SCOTT CREDIT UNION 1 6.50% $15,076
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.75% $9,000
    Sierra Pacific Mortgage Company, Inc. 1 6.63% $3,978
    ALLIED MORTGAGE GROUP, INC. 1 6.25% $2,843
    Bank of England 1 5.75% $5,367
    DELMAR FINANCIAL COMPANY 1 6.25% $12,796
    Bank of America 1 7.38% $4,334
    MAINSTREET FEDERAL CREDIT UNION 1 6.88% $4,384
    ASSEMBLIES OF GOD Credit Union 1 6.13% $8,123
    First National Bank Texas 1 6.00% $1,106
    DHI MORTGAGE COMPANY, LTD. 1 4.99% $11,851
    AmeriHome Mortgage Company, LLC 1 5.63% $5,303
    EVANSVILLE TEACHERS 1 6.75% $3,510
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.50% $9,511
    FIRST COMMUNITY MORTGAGE, INC. 1 6.63% $8,485
    Truist 1 6.20% $12,517
    UMB Bank 1 6.63% $7,510
    Ixonia Bank 1 7.13% $86
    CHARTER WEST BANK 1 6.25% $13,945
    Northpointe Bank 1 6.50% $4,700
    NP, Inc. 1 6.63% $14,495
    ALAMEDA MORTGAGE CORPORATION 1 6.63% $12,934
    Old National Bank 1 5.50% $1,957
    Wells Fargo Bank 1 5.88% $2,869
    Gateway First Bank 1 6.25% $2,060
    CHURCHILL MORTGAGE CORPORATION 1 5.88% $13,635
    Commerce Bank 1 7.00% $1,751
    Capitol Federal Savings Bank 1 6.75% $0

    The top Kansas City VA lender as defined by loan originations is Mortgage Research Center, LLC, with 543 VA loans originated. Their average total fees are $6,288, which is $95 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Kansas City VA lenders (with over 10 loans originated) are MID AMERICA MORTGAGE, INC. ($3,017), PLANET HOME LENDING, LLC ($3,447), Arvest Bank ($3,720), HOMEBRIDGE FINANCIAL SERVICES, INC. ($3,785) and Academy Bank ($4,256).

    The lowest rate Kansas City VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.65%), VILLAGE CAPITAL MORTGAGE (5.77%), LAKEVIEW LOAN SERVICING, LLC (5.83%), NAVY FEDERAL CREDIT UNION (5.84%) and PLANET HOME LENDING, LLC (5.87%).

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.