# Best FHA Mortgage Lenders in Kansas City, MO

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

Compare the top FHA 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/fha-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 | First State Bank of St. Charles, Missouri | 89 | 67 | 87 | 867 | Bank |
| 2 | Prosperity Home Mortgage, LLC | 89 | 63 | 72 | 694 | Independent Mortgage Company |
| 3 | COMMUNITY MORTGAGE, LLC | 89 | 73 | 85 | 581 | Independent Mortgage Company |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 1,417 | Independent Mortgage Company |
| 5 | FLAT BRANCH MORTGAGE, INC. | 88 | 43 | 85 | 1,322 | Independent Mortgage Company |
| 6 | COMMUNITYAMERICA CREDIT UNION | 85 | 70 | 62 | 2,185 | Credit Union |
| 7 | First Bank | 85 | 65 | 72 | 465 | Bank |
| 8 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 292 | Independent Mortgage Company |
| 9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 248 | Independent Mortgage Company |
| 10 | MEGASTAR FINANCIAL CORP. | 85 | 94 | 73 | 121 | Independent Mortgage Company |
| 11 | NBKC BANK | 83 | 88 | 54 | 592 | Bank |
| 12 | Arvest Bank | 83 | 59 | 71 | 582 | Bank |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 59 | 83 | 152 | Independent Mortgage Company |
| 14 | First National Bank of Omaha | 80 | 73 | 72 | 171 | Bank |
| 15 | First Federal Bank | 80 | 70 | 60 | 147 | Bank |
| 16 | NBH Bank | 80 | 78 | 80 | 127 | Bank |
| 17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 1,933 | Independent Mortgage Company |
| 18 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,933 | Independent Mortgage Company |
| 19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 80 | 22 | 82 | 1,007 | Independent Mortgage Company |
| 20 | The Central Trust Bank | 79 | 59 | 71 | 443 | Bank |
| 21 | U.S. Bank National Association | 79 | 65 | 60 | 364 | Bank |
| 22 | Flagstar Bank, N.A. | 79 | 58 | 71 | 280 | Bank |
| 23 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 270 | Independent Mortgage Company |
| 24 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 199 | Independent Mortgage Company |
| 25 | UMB Bank, National Association | 79 | 81 | 59 | 189 | Bank |
| 26 | JLB CORPORATION | 79 | 58 | 86 | 145 | Independent Mortgage Company |
| 27 | Stride Bank, National Association | 79 | 48 | 80 | 135 | Bank |
| 28 | GoodLeap, LLC | 79 | 62 | 58 | 90 | Independent Mortgage Company |
| 29 | LENDLO MORTGAGE, LLC | 77 | 55 | 86 | 60 | Independent Mortgage Company |
| 30 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 162 | Independent Mortgage Company |
| 31 | T2 FINANCIAL LLC | 75 | 29 | 82 | 156 | Independent Mortgage Company |
| 32 | Fidelity Bank, National Association | 74 | 66 | 52 | 90 | Bank |
| 33 | DELMAR FINANCIAL COMPANY | 74 | 41 | 73 | 76 | Independent Mortgage Company |
| 34 | NEWREZ LLC | 73 | 52 | 56 | 195 | Independent Mortgage Company |
| 35 | Plains Commerce Bank | 73 | 47 | 66 | 87 | Bank |
| 36 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 579 | Independent Mortgage Company |
| 37 | Bell Bank | 71 | 36 | 80 | 298 | Bank |
| 38 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 153 | Independent Mortgage Company |
| 39 | SUN WEST MORTGAGE COMPANY, INC. | 71 | 36 | 64 | 90 | Independent Mortgage Company |
| 40 | Commerce Bank | 69 | 51 | 42 | 332 | Bank |
| 41 | JPMorgan Chase Bank, National Association | 69 | 59 | 47 | 303 | Bank |
| 42 | First Federal Bank of Kansas City | 69 | 40 | 65 | 189 | Bank |
| 43 | Wells Fargo Bank, National Association | 69 | 57 | 42 | 162 | Bank |
| 44 | Academy Bank, National Association | 69 | 68 | 54 | 153 | Bank |
| 45 | Mazuma Credit Union | 69 | 61 | 52 | 135 | Credit Union |
| 46 | Midwest Mortgage Associates Corporation | 69 | 56 | 60 | 102 | Independent Mortgage Company |
| 47 | North American Savings Bank, F.S.B. | 69 | 72 | 50 | 64 | Bank |
| 48 | BOKF, National Association | 67 | 39 | 73 | 135 | Bank |
| 49 | American Mortgage Bank, LLC | 67 | 34 | 73 | 76 | Independent Mortgage Company |
| 50 | Mortgage Research Center, LLC | 66 | 34 | 54 | 525 | Independent Mortgage Company |

## 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.