Mortgage lending in Kansas City, MO-KS
55,389 mortgages were originated in the Kansas City, MO-KS area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 55,389
- Median rate
- 6.625%
- Median lender fees
- $3,644
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $225,000
- Above the going rate (spread over APOR)
- 0.252
- Paid discount points
- 31.4%
- Received lender credits
- 21.6%
- Purchases / refinances
- 54.7% / 28.3%
- Conventional / FHA / VA
- 80.3% / 12.1% / 7.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 70.9% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Kansas City, MO-KS area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Communityamerica Credit Union | 5,819 | $3,186 | 6.490% |
| Rocket Mortgage, LLC | 3,142 | $4,404 | 6.750% |
| Fairway Independent Mortgage Corporation | 2,487 | $3,615 | 6.625% |
| United Shore Financial Services, LLC | 2,223 | $6,045 | 6.500% |
| Primelending, A Plainscapital Company | 1,173 | $3,696 | 6.625% |
| Leaderone Financial Corporation | 1,159 | $5,132 | 6.625% |
| Commerce Bank | 1,153 | $2,141 | 6.500% |
| Arvest Bank | 1,146 | $3,385 | 6.750% |
| First State Bank of St. Charles, Missouri | 1,054 | $3,180 | 6.500% |
| Guild Mortgage Company | 1,053 | $3,831 | 6.625% |