# Best Bank Mortgage Lenders in Kansas City, MO

**As of:** 2026-05-25

Compare the top banks offering mortgages in Kansas City, MO. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 164
- **Total Loans:** 28,634
- **Median Rate Spread:** 0.3288198757763975%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Capitol Federal Savings Bank | 93 | 87 | 72 | 512 | Bank |
| 2 | First State Bank of St. Charles, Missouri | 86 | 66 | 70 | 867 | Bank |
| 3 | First Bank | 86 | 62 | 71 | 465 | Bank |
| 4 | Landmark National Bank | 86 | 66 | 82 | 122 | Bank |
| 5 | NBKC BANK | 84 | 91 | 59 | 592 | Bank |
| 6 | U.S. Bank National Association | 80 | 75 | 71 | 364 | Bank |
| 7 | Bank of America, National Association | 80 | 73 | 75 | 218 | Bank |
| 8 | First National Bank of Omaha | 80 | 67 | 65 | 171 | Bank |
| 9 | Oakstar Bank | 80 | 69 | 76 | 168 | Bank |
| 10 | Fidelity Bank, National Association | 80 | 61 | 67 | 90 | Bank |
| 11 | First Federal Bank | 78 | 81 | 50 | 147 | Bank |
| 12 | Mid-America Bank | 78 | 60 | 81 | 90 | Bank |
| 13 | The Central Trust Bank | 73 | 47 | 75 | 443 | Bank |
| 14 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 303 | Bank |
| 15 | First Federal Bank of Kansas City | 73 | 40 | 65 | 189 | Bank |
| 16 | UMB Bank, National Association | 73 | 77 | 57 | 189 | Bank |
| 17 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 162 | Bank |
| 18 | Stride Bank, National Association | 73 | 53 | 79 | 135 | Bank |
| 19 | NBH Bank | 73 | 57 | 62 | 127 | Bank |
| 20 | NexBank | 73 | 41 | 66 | 94 | Bank |
| 21 | Armed Forces Bank, National Association | 73 | 69 | 45 | 76 | Bank |
| 22 | Arvest Bank | 68 | 39 | 71 | 582 | Bank |
| 23 | Bell Bank | 68 | 35 | 82 | 298 | Bank |
| 24 | Commerce Bank | 66 | 52 | 47 | 332 | Bank |
| 25 | Academy Bank, National Association | 66 | 57 | 52 | 153 | Bank |
| 26 | USAA Federal Savings Bank | 66 | 54 | 45 | 122 | Bank |
| 27 | Flagstar Bank, N.A. | 63 | 40 | 76 | 280 | Bank |
| 28 | BOKF, National Association | 63 | 39 | 71 | 135 | Bank |
| 29 | Farmers Bank & Trust | 62 | 94 | 27 | 63 | Bank |
| 30 | Plains Commerce Bank | 58 | 37 | 67 | 87 | Bank |
| 31 | North American Savings Bank, F.S.B. | 58 | 43 | 35 | 64 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Kansas City, MO.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.