# Best Conventional Mortgage Lenders in Kansas City, MO

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Kansas City, MO. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/kansas-city-mo/best-mortgage-lenders/conventional-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 | Capitol Federal Savings Bank | 89 | 88 | 71 | 512 | Bank |
| 2 | FLAT BRANCH MORTGAGE, INC. | 88 | 59 | 84 | 1,322 | Independent Mortgage Company |
| 3 | First State Bank of St. Charles, Missouri | 85 | 66 | 79 | 867 | Bank |
| 4 | COMMUNITY MORTGAGE, LLC | 85 | 66 | 68 | 581 | Independent Mortgage Company |
| 5 | First Bank | 85 | 64 | 64 | 465 | Bank |
| 6 | U.S. Bank National Association | 85 | 75 | 69 | 364 | Bank |
| 7 | Bank of America, National Association | 85 | 71 | 67 | 218 | Bank |
| 8 | First National Bank of Omaha | 85 | 67 | 65 | 171 | Bank |
| 9 | Mid-America Bank | 85 | 61 | 90 | 90 | Bank |
| 10 | COMMUNITYAMERICA CREDIT UNION | 83 | 57 | 71 | 2,185 | Credit Union |
| 11 | NBKC BANK | 83 | 90 | 49 | 592 | Bank |
| 12 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 207 | Credit Union |
| 13 | Oakstar Bank | 80 | 70 | 75 | 168 | Bank |
| 14 | Landmark National Bank | 80 | 67 | 79 | 122 | Bank |
| 15 | Fidelity Bank, National Association | 80 | 62 | 69 | 90 | Bank |
| 16 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 1,933 | Independent Mortgage Company |
| 17 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 1,417 | Independent Mortgage Company |
| 18 | The Central Trust Bank | 79 | 47 | 72 | 443 | Bank |
| 19 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 303 | Bank |
| 20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 248 | Independent Mortgage Company |
| 21 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 199 | Independent Mortgage Company |
| 22 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 162 | Bank |
| 23 | VANDERBILT MORTGAGE AND FINANCE, INC. | 79 | 45 | 68 | 152 | Independent Mortgage Company |
| 24 | BOKF, National Association | 79 | 43 | 68 | 135 | Bank |
| 25 | MEGASTAR FINANCIAL CORP. | 79 | 86 | 53 | 121 | Independent Mortgage Company |
| 26 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 92 | Independent Mortgage Company |
| 27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 1,933 | Independent Mortgage Company |
| 28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 1,007 | Independent Mortgage Company |
| 29 | Prosperity Home Mortgage, LLC | 75 | 33 | 71 | 694 | Independent Mortgage Company |
| 30 | LEADERONE FINANCIAL CORPORATION | 75 | 24 | 66 | 622 | Independent Mortgage Company |
| 31 | Arvest Bank | 75 | 37 | 68 | 582 | Bank |
| 32 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 166 | Independent Mortgage Company |
| 33 | First Federal Bank | 74 | 73 | 52 | 147 | Bank |
| 34 | Stride Bank, National Association | 74 | 58 | 64 | 135 | Bank |
| 35 | NexBank | 74 | 43 | 66 | 94 | Bank |
| 36 | DELMAR FINANCIAL COMPANY | 74 | 48 | 60 | 76 | Independent Mortgage Company |
| 37 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 270 | Independent Mortgage Company |
| 38 | BAY EQUITY LLC | 73 | 46 | 65 | 61 | Independent Mortgage Company |
| 39 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 579 | Independent Mortgage Company |
| 40 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 437 | Independent Mortgage Company |
| 41 | Bell Bank | 71 | 36 | 80 | 298 | Bank |
| 42 | Flagstar Bank, N.A. | 71 | 34 | 72 | 280 | Bank |
| 43 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 237 | Independent Mortgage Company |
| 44 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 162 | Independent Mortgage Company |
| 45 | T2 FINANCIAL LLC | 71 | 26 | 77 | 156 | Independent Mortgage Company |
| 46 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 153 | Independent Mortgage Company |
| 47 | Commerce Bank | 69 | 54 | 49 | 332 | Bank |
| 48 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 292 | Independent Mortgage Company |
| 49 | UMB Bank, National Association | 69 | 75 | 44 | 189 | Bank |
| 50 | NBH Bank | 69 | 51 | 55 | 127 | 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.