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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Bank Lenders in Kansas City
Updated February 5, 2026
Market Overview
31
Total Lenders
28,634
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Capitol Federal Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,403 | -0.192% | 512 | |
2 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Exceptional | $192 | -0.086% | 592 | |
3 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Strong | Exceptional | $1,702 | +0.040% | 867 | |
4 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,422 | +0.049% | 465 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $688 | +0.180% | 364 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,917 | -0.109% | 218 | |
7 | First National Bank of Omaha | Exceptional | Strong | Exceptional | Strong | Strong | $795 | +0.274% | 171 | |
8 | Mid-America Bank | Exceptional | Strong | Strong | Exceptional | Strong | $948 | +0.339% | 90 | |
9 | Oakstar Bank | Exceptional | Strong | Strong | Strong | Strong | $649 | +0.027% | 168 | |
10 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,197 | +0.091% | 162 | |
11 | Landmark National Bank | Exceptional | Strong | Strong | Strong | Strong | $1,071 | -0.065% | 122 | |
12 | Fidelity Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $994 | +0.471% | 90 | |
13 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $69 | +0.308% | 443 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,708 | +0.096% | 303 | |
15 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $1,699 | +0.121% | 147 | |
16 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,707 | +0.378% | 135 | |
17 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,363 | +0.181% | 582 | |
18 | UMB Bank, National Association | Strong | Strong | Sound | Sound | Strong | $578 | +0.010% | 189 | |
19 | Stride Bank, National Association | Strong | Sound | Strong | Strong | Strong | $1,315 | +0.218% | 135 | |
20 | NexBank | Strong | Sound | Strong | Strong | Strong | $1,118 | +0.366% | 94 | |
21 | Farmers Bank & Trust | Strong | Exceptional | Sound | Acceptable | Sound | $448 | -0.229% | 63 | |
22 | Commerce Bank | Strong | Sound | Strong | Sound | Strong | $122 | +0.263% | 332 | |
23 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,191 | +0.222% | 298 | |
24 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,625 | +0.311% | 280 | |
25 | NBH Bank | Strong | Sound | Strong | Sound | Strong | $985 | +0.402% | 127 | |
26 | First Federal Bank of Kansas City | Strong | Sound | Sound | Sound | Strong | $1,624 | +0.552% | 189 | |
27 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,700 | -0.120% | 122 | |
28 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,433 | +0.559% | 87 | |
29 | Armed Forces Bank, National Association | Strong | Sound | Sound | Sound | Strong | $1,652 | +0.001% | 76 | |
30 | Academy Bank, National Association | Strong | Sound | Sound | Acceptable | Strong | $1,137 | +0.322% | 153 | |
31 | North American Savings Bank, F.S.B. | Sound | Mediocre | Sound | Acceptable | Strong | $906 | +0.232% | 64 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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