Safe Rate Rankings

Best Jumbo Mortgage Bank Lenders in Kansas City

Updated June 1, 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	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$688Fees	0.180%Above	364
2	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,917Fees	0.109%Below	218
3	UMB Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$578Fees	0.010%Above	189
4	Capitol Federal Savings BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,403Fees	0.192%Below	512
5	First State Bank of St. Charles, MissouriBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,702Fees	0.040%Above	867
6	Landmark National BankBank	Exceptional	Strong	Sound	Exceptional	Strong	$1,071Fees	0.065%Below	122
7	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Strong	$69Fees	0.308%Above	443
8	Commerce BankBank	Strong	Strong	Strong	Sound	Strong	$122Fees	0.263%Above	332
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,708Fees	0.096%Above	303
10	Arvest BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,363Fees	0.181%Above	582
11	First Federal Bank of Kansas CityBank	Strong	Sound	Strong	Strong	Strong	$1,624Fees	0.552%Above	189
12	First BankBank	Strong	Mediocre	Strong	Strong	Exceptional	$1,422Fees	0.049%Above	465
13	Academy Bank, National AssociationBank	Strong	Sound	Sound	Acceptable	Strong	$1,137Fees	0.322%Above	153

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.