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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best FHA Mortgage Lenders in Kansas City
Updated February 5, 2026
Market Overview
164
Total Lenders
28,634
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,702 | +0.040% | 867 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,896 | +0.335% | 694 | |
3 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Exceptional | $192 | -0.086% | 592 | |
4 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,629 | +0.105% | 581 | |
5 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,190 | +0.364% | 121 | |
6 | COMMUNITYAMERICA CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,251 | +0.150% | 2,185 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,363 | +0.316% | 1,417 | |
8 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,922 | +0.366% | 1,322 | |
9 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,422 | +0.049% | 465 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,434 | +0.249% | 292 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,467 | +0.352% | 248 | |
12 | UMB Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $578 | +0.010% | 189 | |
13 | Arvest Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,363 | +0.181% | 582 | |
14 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $688 | +0.180% | 364 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,728 | -0.014% | 270 | |
16 | First National Bank of Omaha | Exceptional | Strong | Strong | Strong | Strong | $795 | +0.274% | 171 | |
17 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,393 | +0.209% | 152 | |
18 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $1,699 | +0.121% | 147 | |
19 | NBH Bank | Exceptional | Strong | Strong | Strong | Strong | $985 | +0.402% | 127 | |
20 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,955 | -0.332% | 90 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677 | +0.345% | 1,933 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,094 | +0.340% | 1,933 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,248 | +0.222% | 1,007 | |
24 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $69 | +0.308% | 443 | |
25 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,625 | +0.311% | 280 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,472 | +0.369% | 199 | |
27 | JLB CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $4,650 | +0.265% | 145 | |
28 | Stride Bank, National Association | Strong | Sound | Strong | Exceptional | Strong | $1,315 | +0.218% | 135 | |
29 | Fidelity Bank, National Association | Strong | Strong | Strong | Sound | Strong | $994 | +0.471% | 90 | |
30 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $2,427 | +0.586% | 60 | |
31 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,179 | +0.379% | 195 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,239 | +0.430% | 162 | |
33 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,598 | +0.675% | 156 | |
34 | Academy Bank, National Association | Strong | Strong | Sound | Sound | Strong | $1,137 | +0.322% | 153 | |
35 | Mazuma Credit Union | Strong | Strong | Sound | Sound | Strong | $1,359 | +0.485% | 135 | |
36 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,433 | +0.559% | 87 | |
37 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $1,016 | +0.298% | 76 | |
38 | North American Savings Bank, F.S.B. | Strong | Strong | Sound | Sound | Strong | $906 | +0.232% | 64 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,226 | +0.415% | 579 | |
40 | Commerce Bank | Strong | Sound | Strong | Sound | Strong | $122 | +0.263% | 332 | |
41 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,708 | +0.096% | 303 | |
42 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,191 | +0.222% | 298 | |
43 | First Federal Bank of Kansas City | Strong | Sound | — | Strong | Strong | $1,624 | +0.552% | 189 | |
44 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,197 | +0.091% | 162 | |
45 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,944 | +0.292% | 153 | |
46 | Midwest Mortgage Associates Corporation | Strong | Sound | Strong | Sound | Strong | $1,608 | +0.368% | 102 | |
47 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,530 | +0.421% | 90 | |
48 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,766 | +0.321% | 525 | |
49 | BOKF, National Association | Strong | Acceptable | Strong | Strong | Strong | $1,707 | +0.378% | 135 | |
50 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,545 | +0.546% | 76 |
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.
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