Kansas USDA Loan Rates, Closing Costs & Stats

Kansas

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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 USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Kansas averaged 6.5% for the week of 2025-05-23, compared to the national average (all USDA variants) of 6.433% for the same period.

    Kansas's average USDA mortgage closing costs are $4,101.

    The average rate for the prior week (2025-05-16) was 6.83% and one month ago for the week of 2025-04-18, the average rate was 6.42%.

    The average rate one year ago was 6.78%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.18%.

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

    Kansas 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 level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    FLAT BRANCH MORTGAGE, INC. 161 6.68% $4,923
    Mortgage Investment Services Corporation 55 6.87% $3,303
    Landmark National Bank 51 6.53% $3,851
    GUILD MORTGAGE COMPANY 24 6.33% $5,337
    Sierra Pacific Mortgage Company, Inc. 24 6.31% $6,825
    UNION HOME MORTGAGE CORP. 19 6.49% $5,964
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 17 6.34% $5,750
    GOLDEN PLAINS 16 6.33% $3,768
    Community National Bank & Trust 16 6.61% $5,384
    AMERICAN FINANCIAL NETWORK, INC. 15 6.83% $4,396
    Gateway First Bank 14 6.63% $4,460
    Flagstar Bank, FSB 10 6.32% $5,945
    PRIMELENDING, A PLAINSCAPITAL COMPANY 10 7.05% $4,879
    LEADERONE FINANCIAL CORPORATION 10 6.55% $7,178
    MID AMERICA MORTGAGE, INC. 9 6.71% $5,196
    Members Mortgage Services, L.L.C. 9 6.49% $4,911
    CMG MORTGAGE, INC. 8 6.28% $6,780
    American Mortgage Bank, LLC 8 6.39% $5,955
    PLANET HOME LENDING, LLC 8 6.38% $5,719
    Sunflower Bank 8 6.51% $4,690
    Arvest Bank 7 6.77% $4,910
    FIRST COMMUNITY MORTGAGE, INC. 7 6.75% $4,656
    NEWREZ LLC 7 6.43% $5,905
    UNITED WHOLESALE MORTGAGE, LLC 6 6.03% $6,919
    GUARANTEED RATE, INC. 6 6.22% $5,609
    Paramount Residential Mortgage Group, Inc. 6 6.63% $5,433
    PRIMARY RESIDENTIAL MORTGAGE, INC. 6 7.06% $5,118
    Stride Bank 6 6.27% $5,043
    Bell Bank 5 6.28% $6,074
    Equity Prime Mortgage LLC 5 6.43% $4,851
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.77% $5,196
    OPEN MORTGAGE, LLC 4 6.69% $4,307
    ENDEAVOR CAPITAL, LLC. 4 6.59% $5,240
    PLAZA HOME MORTGAGE, INC. 4 6.63% $5,860
    CROSSCOUNTRY MORTGAGE, LLC 4 6.70% $6,429
    BROKER SOLUTIONS, INC. 3 7.08% $4,796
    S1L, Inc. 3 6.29% $8,583
    Regent Financial Group, Inc. 3 6.50% $5,140
    MOVEMENT MORTGAGE, LLC 3 6.67% $5,026
    SUN WEST MORTGAGE COMPANY, INC. 3 6.88% $8,400
    Mortgage Research Center, LLC 3 6.75% $3,327
    Equity Bank 3 5.96% $5,148
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.19% $6,555
    BAYSHORE MORTGAGE FUNDING, LLC 2 6.87% $6,666
    U.S. Bank 2 7.31% $3,526
    The Central Trust Bank 2 6.56% $6,921
    First State Bank of St. Charles, Missouri 2 6.31% $5,239
    Armed Forces Bank 2 6.56% $5,264
    Farmers Bank & Trust 2 7.19% $2,809
    COMMUNITYAMERICA 2 5.63% $10,040
    COMMUNITY MORTGAGE, LLC 2 6.00% $5,039
    NBH Bank 2 6.31% $2,655
    Waterstone Mortgage Corporation 1 7.75% $6,529
    Adams Bank & Trust 1 7.00% $3,937
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $8,398
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.38% $7,202
    Bankers' Bank 1 6.88% $5,376
    Barrington Bank & Trust Company, N.A. 1 5.75% $4,759
    BAY EQUITY LLC 1 7.00% $5,796
    BOKF 1 7.13% $4,043
    CARDINAL FINANCIAL 1 7.25% $5,093
    CHURCHILL MORTGAGE CORPORATION 1 6.25% $6,178
    Commerce Bank 1 7.63% $3,066
    DAS Acquisition Company, LLC 1 7.13% $6,344
    DELMAR FINANCIAL COMPANY 1 7.25% $4,501
    D. L. Evans Bank 1 6.00% $6,751
    Financial Funding Solutions, Inc. 1 6.25% $4,016
    First Bank 1 6.38% $6,518
    First Community Bank 1 6.25% $4,890
    First National Bank of Omaha 1 6.63% $8,144
    Flanagan State Bank 1 6.63% $5,249
    GENEVA FINANCIAL, LLC 1 5.63% $5,317
    GERSHMAN INVESTMENT CORP. 1 6.13% $4,072
    Great Southern Bank 1 6.63% $4,576
    HALLMARK HOME MORTGAGE, LLC 1 7.00% $5,531
    Hawthorn Bank 1 6.00% $4,183
    HOMESIDE FINANCIAL, LLC 1 5.75% $9,007
    Ixonia Bank 1 7.75% $4,999
    MEGASTAR FINANCIAL CORP. 1 6.38% $5,706
    Oakstar Bank 1 6.13% $4,420
    Pinnacle Bank 1 7.63% $2,951
    Plains Commerce Bank 1 5.88% $8,946
    ROYAL UNITED MORTGAGE LLC 1 6.75% $7,236
    Southwest Missouri Bank 1 6.63% $3,527
    STAUNTON FINANCIAL, INC. 1 5.50% $10,709
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.63% $7,109
    THE MORTGAGE LINK, INC. 1 6.88% $8,884
    TJC Mortgage, Inc. 1 6.63% $5,425
    US MORTGAGE CORPORATION 1 7.00% $5,245
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.63% $3,277
    Academy Bank 1 6.38% $5,566

    The top Kansas USDA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 161 USDA loans originated. Their average total fees are $4,923, which is $1,620 higher than the next largest lender, Mortgage Investment Services Corporation.

    The lowest fee Kansas USDA lenders (with over 10 loans originated) are Mortgage Investment Services Corporation ($3,303), GOLDEN PLAINS ($3,768), Landmark National Bank ($3,851), AMERICAN FINANCIAL NETWORK, INC. ($4,396) and Gateway First Bank ($4,460).

    The lowest rate Kansas USDA lenders (with over 10 loans originated) are Sierra Pacific Mortgage Company, Inc. (6.31%), Flagstar Bank, FSB (6.32%), GUILD MORTGAGE COMPANY (6.33%), GOLDEN PLAINS (6.33%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.34%).