Kansas VA Loan Rates, Closing Costs & Stats

Kansas

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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 VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Kansas averaged 6.51% for the week of 2025-04-11, compared to the national average (all VA variants) of 6.292% for the same period.

    Kansas's average VA mortgage closing costs are $5,416.

    The average rate for the prior week (2025-04-04) was 6.55% and one month ago for the week of 2025-03-07, the average rate was 6.33%.

    The average rate one year ago was 6.94%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.49%.

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

    Kansas 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 level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 1,113 6.43% $5,514
    UNITED WHOLESALE MORTGAGE, LLC 298 6.00% $6,789
    QUICKEN LOANS, LLC 245 6.18% $9,604
    PENNYMAC LOAN SERVICES, LLC 243 5.70% $5,756
    FREEDOM MORTGAGE CORPORATION 189 6.25% $7,121
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 173 6.27% $6,295
    USAA Federal Savings Bank 156 6.25% $6,613
    NAVY FEDERAL CREDIT UNION 141 5.85% $5,408
    FLAT BRANCH MORTGAGE, INC. 137 6.61% $8,127
    CROSSCOUNTRY MORTGAGE, LLC 98 6.31% $6,331
    Exchange Bank 84 5.88% $7,366
    NEWREZ LLC 79 6.18% $6,697
    NEW DAY FINANCIAL, LLC 74 7.47% $9,223
    PLANET HOME LENDING, LLC 70 6.12% $5,618
    PRIMELENDING, A PLAINSCAPITAL COMPANY 66 6.58% $6,183
    NBKC BANK 61 5.93% $6,557
    LOANDEPOT.COM, LLC 54 6.15% $7,618
    MORTGAGE SOLUTIONS OF COLORADO, LLC 53 7.14% $3,660
    Sierra Pacific Mortgage Company, Inc. 49 6.28% $8,934
    Armed Forces Bank 46 6.01% $6,155
    VILLAGE CAPITAL MORTGAGE 45 5.91% $5,393
    NBH Bank 44 6.37% $4,258
    Mr. Cooper ( Nationstar Mortgage ) 42 6.30% $8,226
    Gateway First Bank 41 6.60% $4,601
    GUILD MORTGAGE COMPANY 41 6.43% $7,610
    PENTAGON FEDERAL CREDIT UNION 39 6.16% $6,465
    Landmark National Bank 38 6.25% $4,592
    Flagstar Bank, FSB 38 6.32% $5,760
    Members Mortgage Services, L.L.C. 31 6.20% $6,244
    Fidelity Bank 30 6.59% $6,106
    ENDEAVOR CAPITAL, LLC. 30 6.02% $7,027
    LAKEVIEW LOAN SERVICING, LLC 29 5.73% $5,772
    First State Bank of St. Charles, Missouri 26 6.27% $6,415
    GUARANTEED RATE, INC. 26 6.12% $5,962
    LEADERONE FINANCIAL CORPORATION 23 6.72% $6,627
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 23 6.38% $7,568
    Equity Prime Mortgage LLC 23 6.89% $9,039
    Old National Bank 22 5.71% $6,932
    Barrington Bank & Trust Company, N.A. 21 6.37% $3,986
    Bell Bank 21 6.17% $7,345
    Regent Financial Group, Inc. 21 6.52% $8,559
    The Federal Savings Bank 21 6.35% $15,447
    Prosperity Home Mortgage, LLC 20 6.30% $7,597
    First Federal Bank 20 5.67% $6,479
    MOVEMENT MORTGAGE, LLC 20 6.59% $8,248
    Central National Bank 19 6.56% $4,436
    BROKER SOLUTIONS, INC. 18 6.74% $10,337
    COMMUNITYAMERICA 18 6.40% $4,180
    US MORTGAGE CORPORATION 17 7.01% $7,637
    PRIMARY RESIDENTIAL MORTGAGE, INC. 16 7.30% $4,146
    CMG MORTGAGE, INC. 15 6.25% $7,026
    Mortgage Investment Services Corporation 14 6.41% $5,460
    Plains Commerce Bank 14 6.70% $6,656
    MUTUAL OF OMAHA MORTGAGE, INC. 14 6.43% $12,539
    American Mortgage Bank, LLC 13 6.25% $10,978
    UNION HOME MORTGAGE CORP. 13 6.51% $5,927
    Carrington Mortgage Services, LLC 12 6.06% $9,170
    Arvest Bank 12 6.40% $4,183
    AMERISAVE MORTGAGE CORPORATION 12 5.92% $16,153
    Sunflower Bank 12 6.36% $5,904
    Intrust Bank 11 5.97% $3,560
    First Bank 11 6.22% $5,968
    U.S. Bank 11 6.27% $7,221
    OPEN MORTGAGE, LLC 11 6.67% $4,740
    Community National Bank & Trust 10 6.29% $7,420
    HOMESIDE FINANCIAL, LLC 10 6.55% $8,280
    American Mortgage & Equity Consultants, Inc. 10 6.19% $6,564
    The Central Trust Bank 9 6.35% $8,176
    Academy Bank 8 6.17% $3,484
    Magnolia Bank 8 5.81% $19,879
    BOKF 8 6.59% $8,362
    COMMUNITY MORTGAGE, LLC 8 5.79% $6,681
    AMERICAN FINANCING CORPORATION 7 5.93% $10,463
    VANDERBILT MORTGAGE AND FINANCE, INC. 7 6.14% $4,567
    North American Savings Bank, F.S.B. 7 6.29% $5,966
    Wells Fargo Bank 7 6.14% $8,072
    T2 FINANCIAL LLC 6 6.92% $7,384
    Stride Bank 6 6.42% $7,873
    MID AMERICA MORTGAGE, INC. 6 6.65% $3,338
    CHURCHILL MORTGAGE CORPORATION 6 6.60% $10,512
    LOANPAL, LLC 6 6.10% $13,131
    SUN WEST MORTGAGE COMPANY, INC. 6 5.98% $6,624
    Texana Bank 5 5.87% $13,582
    PHH Mortgage Corporation 5 5.62% $5,817
    JPMorgan Chase Bank 5 6.03% $7,670
    First National Bank of Omaha 5 6.43% $2,964
    BAY EQUITY LLC 5 6.55% $6,748
    SUMMIT FUNDING, INC. 5 6.35% $6,982
    Paramount Residential Mortgage Group, Inc. 5 6.47% $9,732
    Century Mortgage Company DBA Century Lending Company 4 5.84% $4,310
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 6.63% $8,973
    Waterstone Mortgage Corporation 4 6.81% $8,655
    HALLMARK HOME MORTGAGE, LLC 4 6.72% $7,986
    BAYSHORE MORTGAGE FUNDING, LLC 4 6.56% $13,727
    AMERICAN FINANCIAL NETWORK, INC. 3 6.04% $5,399
    MEGASTAR FINANCIAL CORP. 3 6.38% $10,593
    GUARANTEED RATE AFFINITY, LLC 3 6.23% $1,560
    TOWNE MORTGAGE COMPANY 3 6.46% $11,413
    MORTGAGEONE, INC. 3 6.71% $902
    Nations Lending Corporation 3 6.42% $19,846
    Lakeview Community Capital, LLC 3 5.58% $6,728
    SUCCESS MORTGAGE PARTNERS, INC. 3 6.63% $9,751
    ALLIED MORTGAGE GROUP, INC. 3 6.08% $6,681
    ROYAL UNITED MORTGAGE LLC 3 6.38% $13,975
    CARDINAL FINANCIAL 3 6.54% $5,577
    AMERICAN FINANCIAL RESOURCES, INC. 2 7.00% $10,985
    PLAZA HOME MORTGAGE, INC. 2 6.50% $8,468
    RUOFF MORTGAGE COMPANY, INC. 2 6.31% $4,555
    M&T Bank 2 6.75% $7,059
    Midwest Mortgage Associates Corporation 2 6.69% $6,133
    EVERETT FINANCIAL, INC. 2 4.75% $5,354
    West Gate Bank 2 6.31% $3,228
    V.I.P. MORTGAGE, INC. 2 6.88% $7,888
    Farmers Bank & Trust 2 5.63% $1,355
    ALLIANT CREDIT UNION 2 5.81% $4,360
    Northpointe Bank 2 6.56% $7,447
    Oakstar Bank 2 6.44% $1,853
    Bank of England 2 6.19% $5,310
    FIRST COMMUNITY MORTGAGE, INC. 2 6.81% $4,247
    UMB Bank 1 6.63% $7,510
    DELMAR FINANCIAL COMPANY 1 6.25% $12,796
    DAS Acquisition Company, LLC 1 7.13% $1,275
    FIRST COLONY MORTGAGE CORPORATION 1 6.25% $13,414
    Willamette Valley Bank 1 5.00% $11,830
    First Federal Bank of Kansas City 1 6.50% $16,703
    First National Bank Texas 1 6.00% $1,106
    First United Bank and Trust Company 1 6.38% $6,082
    First Western Trust Bank 1 6.50% $6,835
    Commercial Bank of Texas 1 6.99% $2,208
    Commerce Bank 1 7.00% $1,751
    Citizens Bank 1 6.63% $1,930
    Hawthorn Bank 1 6.00% $4,788
    INTERCAP LENDING INC. 1 5.99% $3,444
    Ixonia Bank 1 7.13% $86
    KANSAS STATE UNIVERSITY Federal Credit Union 1 6.75% $2,564
    LAND HOME FINANCIAL SERVICES, INC. 1 5.75% $7,492
    LENOX FINANCIAL MORTGAGE CORPORATION 1 6.75% $7,216
    Centennial Bank 1 6.50% $11,824
    Capitol Federal Savings Bank 1 6.75% $0
    ZILLOW HOME LOANS, LLC 1 6.25% $5,955
    CANOPY MORTGAGE, LLC 1 6.13% $14,464
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.63% $8,426
    BMO Harris Bank 1 6.75% $10,827
    NexBank 1 5.38% $4,115
    Bank of America 1 6.13% $7,164
    POINT Mortgage 1 5.75% $4,113
    PREMIA MORTGAGE, LLC 1 5.99% $0
    Presidential Bank, FSB 1 6.25% $16,204
    RCB Bank 1 6.00% $3,972
    Regions Bank 1 5.25% $6,291
    RELIANCE FIRST CAPITAL, LLC 1 6.38% $20,283
    S1L, Inc. 1 6.25% $4,410
    SIRVA MORTGAGE, INC. 1 6.63% $1,160
    TOP FLITE FINANCIAL, INC. 1 6.25% $4,409
    TruHome Solutions, LLC 1 6.63% $2,110
    Truist 1 6.20% $12,517
    ENVOY MORTGAGE, LTD 1 5.63% $9,420
    UNITED MORTGAGE CORP 1 6.75% $8,466
    EVANSVILLE TEACHERS 1 6.75% $3,510

    The top Kansas VA lender as defined by loan originations is Mortgage Research Center, LLC, with 1,113 VA loans originated. Their average total fees are $5,514, which is $1,275 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Kansas VA lenders (with over 10 loans originated) are Intrust Bank ($3,560), MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,660), Barrington Bank & Trust Company, N.A. ($3,986), PRIMARY RESIDENTIAL MORTGAGE, INC. ($4,146) and COMMUNITYAMERICA ($4,180).

    The lowest rate Kansas VA lenders (with over 10 loans originated) are First Federal Bank (5.67%), PENNYMAC LOAN SERVICES, LLC (5.70%), Old National Bank (5.71%), LAKEVIEW LOAN SERVICING, LLC (5.73%) and NAVY FEDERAL CREDIT UNION (5.85%).

    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.