Safe Rate Rankings

Best FHA Mortgage Bank Lenders in Kansas City

Updated May 25, 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.
Total Lenders164
Total Loans28,634
Median Rate Spread0.33%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
First State Bank of St. Charles, MissouriBank
Exceptional
Strong
Strong
Exceptional
Exceptional
$1,702Fees
0.040%Above
867
2
NBKC BANKBank
Exceptional
Exceptional
Strong
Sound
Exceptional
$192Fees
0.086%Below
592
3
First BankBank
Exceptional
Strong
Strong
Strong
Exceptional
$1,422Fees
0.049%Above
465
4
UMB Bank, National AssociationBank
Exceptional
Exceptional
Strong
Sound
Strong
$578Fees
0.010%Above
189
5
Arvest BankBank
Exceptional
Sound
Exceptional
Strong
Exceptional
$1,363Fees
0.181%Above
582
6
U.S. Bank National AssociationBank
Exceptional
Strong
Exceptional
Sound
Strong
$688Fees
0.180%Above
364
7
First National Bank of OmahaBank
Exceptional
Strong
Strong
Strong
Strong
$795Fees
0.274%Above
171
8
First Federal BankBank
Exceptional
Strong
Strong
Strong
Strong
$1,699Fees
0.121%Above
147
9
NBH BankBank
Exceptional
Strong
Strong
Strong
Strong
$985Fees
0.402%Above
127
10
The Central Trust BankBank
Strong
Sound
Exceptional
Strong
Strong
$69Fees
0.308%Above
443
11
Flagstar Bank, N.A.Bank
Strong
Sound
Exceptional
Strong
Strong
$1,625Fees
0.311%Above
280
12
Stride Bank, National AssociationBank
Strong
Sound
Strong
Exceptional
Strong
$1,315Fees
0.218%Above
135
13
Fidelity Bank, National AssociationBank
Strong
Strong
Strong
Sound
Strong
$994Fees
0.471%Above
90
14
Academy Bank, National AssociationBank
Strong
Strong
Sound
Sound
Strong
$1,137Fees
0.322%Above
153
15
Plains Commerce BankBank
Strong
Sound
Exceptional
Strong
Sound
$2,433Fees
0.559%Above
87
16
North American Savings Bank, F.S.B.Bank
Strong
Strong
Sound
Sound
Strong
$906Fees
0.232%Above
64
17
Commerce BankBank
Strong
Sound
Strong
Sound
Strong
$122Fees
0.263%Above
332
18
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Sound
Strong
$1,708Fees
0.096%Above
303
19
Bell BankBank
Strong
Acceptable
Exceptional
Strong
Strong
$2,191Fees
0.222%Above
298
20
First Federal Bank of Kansas CityBank
Strong
Sound
Strong
Strong
$1,624Fees
0.552%Above
189
21
Wells Fargo Bank, National AssociationBank
Strong
Sound
Strong
Sound
Strong
$2,197Fees
0.091%Above
162
22
Oakstar BankBank
Strong
Strong
Acceptable
Acceptable
Strong
$649Fees
0.027%Above
168
23
BOKF, National AssociationBank
Strong
Acceptable
Strong
Strong
Strong
$1,707Fees
0.378%Above
135
24
Armed Forces Bank, National AssociationBank
Strong
Sound
Sound
Sound
Strong
$1,652Fees
0.001%Above
76
25
Bank of America, National AssociationBank
Strong
Acceptable
Strong
Sound
Strong
$1,917Fees
0.109%Below
218

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.