Kansas · Q1 2026
What Kansas borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 437 lenders.
Published 2026-04-29.
Kansas · headline
The gap between Kansas's lowest- and highest-cost ranked lenders in 2025 was $3,751 on a typical loan — borrowers using United Wholesale Mortgage paid roughly 149% more than borrowers using Landmark National Bank on similar loans.
Source: FFIEC HMDA 2025 (n=40,541)
In 2025, 437 mortgage lenders originated 40,541 reportable loans in Kansas according to FFIEC HMDA data. The median borrower paid $3,938 in total loan costs. That is 7.2% below the national median across all 50 states and DC.
Kansas's median total loan cost was $3,938, 7.2% below the national median of $4,242. On a typical loan, that translates to roughly $304 less than borrowers paid in the average state.
Landmark National Bank posted the lowest median total loan costs at $2,525, 35.9% below the Kansas median. Across the ranked lenders, 10 earned an A grade against peer averages and 1 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Kansas are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $4,780 | $2,874 | 3,858 | B |
| 2 | Fairway Independent Mortgage | $3,586 | $1,548 | 1,758 | A |
| 3 | United Wholesale Mortgage | $6,275 | $2,750 | 1,669 | F |
| 4 | Mortgage Research Center, LLC | $4,053 | $2,497 | 1,308 | A |
| 5 | Flat Branch Mortgage, Inc. | $4,234 | $1,230 | 1,210 | A |
| 6 | Pennymac | $4,387 | $1,517 | 1,178 | B |
| 7 | Communityamerica Federal Credit Union | $3,211 | $1,145 | 1,140 | A |
| 8 | Guild Mortgage | $4,530 | $1,845 | 1,111 | B |
| 9 | Capitol Federal Savings Bank | $2,876 | $1,300 | 838 | A |
| 10 | Freedom Mortgage | $5,250 | $2,955 | 696 | C |
Kansas median total loan cost
Kansas borrowers paid a median $3,938 in total loan costs in 2025, based on 40,541 HMDA-reported loans across 437 lenders.
FFIEC HMDA 2025
Lender spread in Kansas
In Kansas, the gap between Landmark National Bank ($2,525 median) and United Wholesale Mortgage ($6,275 median) was $3,751 on a typical 2025 loan.
FFIEC HMDA 2025
Kansas vs. national
Kansas closing costs ran 7.2% below the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Kansas was $1,690, with the typical lender clustering tightly around that figure. Discount points appeared on 49% of loans, with a median paid amount of $1,529 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 29% of loans, with a median credit of $300.
Avg $2,913
Median $1,529 when present
Median $300 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Kansas) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Kansas
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