What are the Current Mortgage Rates in Kansas City?

This was written in July of 2025, so if you’re wondering “what are the current mortgage rates in Kansas City?” and you’re finding this blog anytime from its original date, rates, most likely, have changed. Mortgage rates change daily, so it’s important to check with a local lender for today’s rate. 

Let’s break down the current Kansas City mortgage rates along with how mortgage rates are determined in the first place. Real quick, let’s define a couple acronyms you’ll see below:

Annual Percentage Rate (APR) – This is pretty self explanatory, but this is the percentage rate that you will lock in for the length of your mortgage (unless you refinance). 

Adjustable Rate Mortgage (ARM) – This type of loan will give you a fixed mortgage rate for a determined period of time, and then after that, the interest rate can change periodically. 

Current Mortgage Rates for Kansas City (as of July 1, 2025):

📍 Greater Kansas City-Specific Rates

Capitol Federal Bank (as of Jul 1, 2025) :

• 30‑year fixed: 6.750% (APR  6.879%)
• 15‑year fixed: 5.875% (APR 6.080%)
• 7‑year ARM: 6.250% (APR 6.677%)

Metropolitan Mortgage (Kansas City metro) (capfed.com, emetropolitan.com):

• 30‑year fixed: 6.500%
• 15‑year fixed: 5.875%
• 5‑year ARM: 6.125%

NerdWallet via Zillow/Zillow-sourced (based on Kansas City offers) (nerdwallet.com, emetropolitan.com):

• 30‑year fixed: 6.803% (APR range ~6.797–6.803%)
• 15‑year fixed: 5.751%
• 5‑year ARM: 7.397%

✅ Quick Comparison

🔍 Notes & Tips

• Rates vary depending on the lender, your credit score, down payment and loan specifics.
• Online lenders like Metropolitan Mortgage sometimes post headline rates that are lower—but these often assume ideal conditions.
• Buying mortgage points or choosing a shorter-term loan (like 15 years) can help reduce the interest rate.
• ARM rates may start lower, but can adjust later—so compare APRs and check how the terms match your plans.

💡 What You Can Do Next

1. Prequalify with multiple lenders in Kansas City (local banks, credit unions, online lenders).
2. Ask for personalized quotes with your credit score, down payment, loan size, and property type.
3. Review APRs, fees, and whether the quoted rate includes discount points or other costs.

At Dani Beyer Real Estate, we highly recommend looking into our local, preferred vendor, Meggan McDonald with Supreme Lending. In addition, we’re always keeping a pulse on current mortgage rates, so don’t hesitate to reach out with questions!