# Best VA Mortgage Bank Lenders in Kansas City, MO

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

Compare the top banks for VA loans in Kansas City, MO.

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


> **📋 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 | NBKC BANK | 95 | 91 | 75 | 592 | Bank |
| 2 | First State Bank of St. Charles, Missouri | 89 | 63 | 89 | 867 | Bank |
| 3 | Arvest Bank | 89 | 65 | 66 | 582 | Bank |
| 4 | Armed Forces Bank, National Association | 89 | 81 | 62 | 76 | Bank |
| 5 | First Bank | 85 | 68 | 80 | 465 | Bank |
| 6 | U.S. Bank National Association | 85 | 71 | 65 | 364 | Bank |
| 7 | North American Savings Bank, F.S.B. | 85 | 89 | 78 | 64 | Bank |
| 8 | Bell Bank | 83 | 49 | 82 | 298 | Bank |
| 9 | First Federal Bank | 83 | 92 | 58 | 147 | Bank |
| 10 | Flagstar Bank, N.A. | 79 | 56 | 68 | 280 | Bank |
| 11 | Stride Bank, National Association | 79 | 57 | 84 | 135 | Bank |
| 12 | USAA Federal Savings Bank | 79 | 62 | 58 | 122 | Bank |
| 13 | The Central Trust Bank | 74 | 54 | 65 | 443 | Bank |
| 14 | Oakstar Bank | 67 | 69 | 76 | 168 | Bank |
| 15 | Academy Bank, National Association | 63 | 75 | 27 | 153 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.