See the latest Kansas mortgage rates for fixed rates: 30 year, 20, 15, 10 FHA, VA, Jumbo, plus variable rates: 10, 7, 5, 3 yeasr. Also see how local rates compare nationally and main lending options available across the state.
Buying a home in Kansas could be easier with today’s mortgage rates.
Kansas Mortgage Rates –
The table below shows today’s home purchase mortgage rates for Kansas, organized by credit score and lender type:
| Credit Score | Satisfaction | |||
|---|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | ||
| Nationally | 6.31% | 6.36% | 6.41% | |
| Kansas | 6.62% | 6.67% | 6.72% | |
| Credit Unions | 6.22% | 6.27% | 6.42% | 8.6/10 |
| Online lenders | 6.32% | 6.37% | 6.52% | 8.3/10 |
| Banks | 6.62% | 6.67% | 6.72% | 7.5/10 |
| 30 year fixed | 6.62% | 6.67% | 6.72% | |
| 30 year fixed FHA | 6.75% | 6.80% | 6.85% | |
| 30 year fixed VA | 6.10% | 6.15% | 6.20% | |
| 30 year fixed Jumbo | 6.85% | 7.23% | 7.42% | |
| 20 year fixed | 6.02% | 6.07% | 6.12% | |
| 15 year fixed | 5.81% | 5.86% | 5.91% | |
| 10 year fixed | 5.58% | 5.63% | 5.68% | |
| 3 year ARM | 7.20% | 7.25% | 7.30% | |
| 5 year ARM | 6.94% | 6.99% | 7.04% | |
| 7 year ARM | 6.30% | 6.35% | 6.40% | |
| 10 year ARM | 6.64% | 6.69% | 6.74% | |
| Satisfaction | 9.0/10 | 7.8/10 | 8.3/10 |
* APR rates shown are for borrowers with excellent credit. Click city names to view recommended lenders and ratings.
How Kansas Compares to National Averages
- Kansas mortgage rates (6.62% for best credit scores) are slightly above national averages (national average: 6.31%).
- Credit unions are more competitive: In Kansas, credit unions offer 6.22%, banks 6.62%, online lenders 6.32%.
Mortgage Options in Kansas
- 30 year fixed: 6.62% - most popular long-term option for predictable payments
- 20 year fixed: 6.02% - balance between payment size and interest savings
- 15 year fixed: 5.81% - lower total interest cost for borrowers building equity faster
- 10 year fixed: 5.58% - shortest fixed-term option with competitive rates
- 10 year variable: 7.20% - Offers a longer initial period with a variable rate...
- 7 year variable: 6.94% - A mid-term variable option...
- 5 year variable: 6.30% - Shorter-term variable mortgage...
- 3 year variable: 6.64% - Quick-adjusting mortgage...
- FHA mortgage: government-backed with flexible credit requirements
- VA mortgage: exclusive to veterans and military members with competitive rates
Compare Lenders Rated by Kansas Homeowners
Kansas homeowners rated their mortgage lenders on:
- Ease of application
- Rates and terms offered
- Customer support and advice
- Overall recommendation %
See the Best Mortgage Lenders in Kansas
FAQs – Kansas Mortgage Rates
Are home purchase rates higher in Kansas than the U.S. average?
No, Kansas mortgage rates are currently slightly below the national average.
What credit score is best for buying a home in Kansas?
A credit score of 720 or higher typically secures the most favorable mortgage rates in Kansas.
Is it better to choose a fixed-rate or ARM in Kansas?
Fixed-rate mortgages are generally recommended for long-term stability in Kansas’s housing market.
More Kansas Home Information:
Kansas Best Home Insurance from Community Recommendations & Insurance Costs
More Resources for Kansas Homeowners.