Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Kansas City

Updated May 31, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders164

Total Loans28,634

Median Rate Spread0.33%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Capitol Federal Savings BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,403Fees	0.192%Below	512
2	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Exceptional	$192Fees	0.086%Below	592
3	First State Bank of St. Charles, MissouriBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,702Fees	0.040%Above	867
4	First BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,422Fees	0.049%Above	465
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$688Fees	0.180%Above	364
6	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,917Fees	0.109%Below	218
7	First National Bank of OmahaBank	Exceptional	Strong	Exceptional	Strong	Strong	$795Fees	0.274%Above	171
8	Mid-America BankBank	Exceptional	Strong	Strong	Exceptional	Strong	$948Fees	0.339%Above	90
9	Oakstar BankBank	Exceptional	Strong	Strong	Strong	Strong	$649Fees	0.027%Above	168
10	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,197Fees	0.091%Above	162
11	Landmark National BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,071Fees	0.065%Below	122
12	Fidelity Bank, National AssociationBank	Exceptional	Strong	Strong	Strong	Strong	$994Fees	0.471%Above	90
13	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Strong	$69Fees	0.308%Above	443
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,708Fees	0.096%Above	303
15	First Federal BankBank	Strong	Strong	Strong	Sound	Strong	$1,699Fees	0.121%Above	147
16	BOKF, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,707Fees	0.378%Above	135
17	Arvest BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,363Fees	0.181%Above	582
18	UMB Bank, National AssociationBank	Strong	Strong	Sound	Sound	Strong	$578Fees	0.010%Above	189
19	Stride Bank, National AssociationBank	Strong	Sound	Strong	Strong	Strong	$1,315Fees	0.218%Above	135
20	NexBankBank	Strong	Sound	Strong	Strong	Strong	$1,118Fees	0.366%Above	94
21	Farmers Bank & TrustBank	Strong	Exceptional	Sound	Acceptable	Sound	$448Fees	0.229%Below	63
22	Commerce BankBank	Strong	Sound	Strong	Sound	Strong	$122Fees	0.263%Above	332
23	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,191Fees	0.222%Above	298
24	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,625Fees	0.311%Above	280
25	NBH BankBank	Strong	Sound	Strong	Sound	Strong	$985Fees	0.402%Above	127
26	First Federal Bank of Kansas CityBank	Strong	Sound	Sound	Sound	Strong	$1,624Fees	0.552%Above	189
27	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,700Fees	0.120%Below	122
28	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,433Fees	0.559%Above	87
29	Armed Forces Bank, National AssociationBank	Strong	Sound	Sound	Sound	Strong	$1,652Fees	0.001%Above	76
30	Academy Bank, National AssociationBank	Strong	Sound	Sound	Acceptable	Strong	$1,137Fees	0.322%Above	153
31	North American Savings Bank, F.S.B.Bank	Sound	Mediocre	Sound	Acceptable	Strong	$906Fees	0.232%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.