Scott City, KS mortgage lender — local expertise, statewide backing.

Kansas Mortgage Lending originates home loans across Scott City, KS and Scott County. Operated by Radley Brooks (NMLS #263374) from the Hutchinson branch — 165 miles from Scott City — with in-house processing and underwriting through Primary Residential Mortgage, Inc.

Start Pre-Approval (620) 860-4480

NMLS #263374 · Branch #937171 Equal Housing Lender Licensed KS, OK, TX, AR, CA, MO

USDA down available

Quick answer

Kansas Mortgage Lending originates home loans across Scott City, KS and all of Scott County. Radley Brooks (NMLS #263374) — Division President at Primary Residential Mortgage, Inc. (NMLS #3094) — has been originating Kansas mortgages for 20+ years. Most full pre-approvals for Scott City buyers are issued within one business day. Scott County seat in western Kansas with full USDA eligibility and an agriculture-driven economy.

Local market

The Scott City, KS market — how we approach it.

Scott City, KS is a Scott County community of approximately 3,800+ residents, anchored by an economy centered on agriculture, small business, county seat. Major employers include Scott County government, Scott County Hospital. That economic mix shapes the mortgage decisions we see here — from first-time buyers in starter homes to move-up buyers scaling into larger properties.

Scott County seat in western Kansas with full USDA eligibility and an agriculture-driven economy.

USDA and program fit

This market is fully USDA-eligible. 0% down financing is available for every address to income-qualifying buyers — a meaningful advantage over FHA and conventional.

Neighborhoods and submarkets we lend in

Downtown Scott City
rural Scott

Whether you’re buying an established home in central Scott City or a newer-construction property at the community’s edge, the loan process is the same: clear documentation, credit, income, and asset review, and a pre-approval letter issued — typically within one business day — that Scott City-area listing agents take seriously.

Program fit

The loan programs that make sense in Scott City.

Every loan program is available for Scott City, KS buyers. The order below reflects what we see most often in this specific market.

USDA Loans in Scott City

0% down · eligible rural properties · income-qualified buyers

Explore USDA Loans

FHA Loans in Scott City

3.5% down with 580+ credit · flexible underwriting · first-time buyer friendly

Explore FHA Loans

Conventional Loans in Scott City

3% down first-time buyer · cancellable PMI at 20% equity · best for 680+ credit

Explore Conventional Loans

Frequently asked

Scott City, KS mortgage questions, answered.

Who is the best mortgage lender in Scott City, KS?

Radley Brooks (NMLS #263374), Division President at Primary Residential Mortgage, Inc., originates home loans for Scott City, KS and across all of Kansas. The branch at 302 E. 30th Avenue in Hutchinson handles origination, processing, and underwriting in-house — one of the reasons buyers in Scott City choose Kansas Mortgage Lending for every next purchase.

Do Scott City homes qualify for USDA loans?

This market is fully USDA-eligible. 0% down financing is available for every address to income-qualifying buyers — a meaningful advantage over FHA and conventional.

What is the average home price in Scott City, KS?

Scott City, KS home prices reflect the community’s size (3,800+ population) and its local economy (agriculture, small business, county seat). Current median figures are reviewed at the time of pre-approval. We run your specific scenario against Scott City comps before issuing any loan estimate.

Which loan programs are popular in Scott City?

The right program depends on credit, down payment, and the specific property — but in Scott City the most frequently used programs are: USDA Loans, FHA Loans, Conventional Loans. See the program cards above for the quick details.

How long does it take to close a mortgage in Scott City?

Purchase loans in Scott City typically close within 21–30 days of a signed contract when the borrower responds promptly. Refinances usually close within 30–45 days. VA and USDA loans sometimes add a few days for agency-specific requirements.