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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 Mortgage Company Lenders in Kansas City
Updated February 5, 2026
Market Overview
50
Total Lenders
17,715
Total Loans
0.47%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | -$6,190 | +0.364% | 121 | |
2 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | $1,629 | +0.105% | 581 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,363 | +0.316% | 1,417 | |
4 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,922 | +0.366% | 1,322 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,294 | -0.038% | 92 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,467 | +0.352% | 248 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $2,393 | +0.209% | 152 | |
8 | JLB CORPORATION | Strong | Sound | Exceptional | Strong | $4,650 | +0.265% | 145 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,677 | +0.345% | 1,933 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,094 | +0.340% | 1,933 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $2,248 | +0.222% | 1,007 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,434 | +0.249% | 292 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,728 | -0.014% | 270 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,472 | +0.369% | 199 | |
15 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,944 | +0.292% | 153 | |
16 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $1,016 | +0.298% | 76 | |
17 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $2,427 | +0.586% | 60 | |
18 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $1,896 | +0.335% | 694 | |
19 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,976 | +0.530% | 622 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,226 | +0.415% | 579 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,487 | +0.121% | 166 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,239 | +0.430% | 162 | |
23 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,598 | +0.675% | 156 | |
24 | Midwest Mortgage Associates Corporation | Strong | Sound | Sound | Strong | $1,608 | +0.368% | 102 | |
25 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $2,955 | -0.332% | 90 | |
26 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $2,717 | +0.283% | 61 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,766 | +0.321% | 525 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,663 | +0.375% | 437 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,032 | +0.387% | 237 | |
30 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $2,530 | +0.421% | 90 | |
31 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Strong | $2,545 | +0.546% | 76 | |
32 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Sound | $2,326 | +0.674% | 75 | |
33 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,417 | +0.531% | 65 | |
34 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $2,761 | +0.526% | 349 | |
35 | ENDEAVOR CAPITAL, LLC. | Sound | Acceptable | Sound | Strong | $1,826 | +0.261% | 222 | |
36 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,179 | +0.379% | 195 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,955 | +0.696% | 165 | |
38 | HALLMARK HOME MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | $2,839 | +0.715% | 144 | |
39 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $3,034 | +0.790% | 136 | |
40 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | $2,741 | +0.508% | 89 | |
41 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $3,163 | +1.098% | 82 | |
42 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $3,119 | +0.382% | 74 | |
43 | Synergy One Lending, Inc. | Sound | Acceptable | Strong | Sound | $4,021 | +0.579% | 66 | |
44 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $2,853 | +0.523% | 62 | |
45 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $3,407 | +0.383% | 233 | |
46 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $2,869 | +0.803% | 93 | |
47 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,856 | +0.399% | 76 | |
48 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $3,075 | +0.675% | 67 | |
49 | Click n' Close, Inc. | Sound | Mediocre | Sound | Strong | $5,844 | +1.769% | 237 | |
50 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Sound | $2,899 | +0.181% | 71 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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