# Best Mortgage Companie Lenders in Kansas City, MO

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

Compare the top mortgage companies offering mortgages 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/mortgage-companies


> **📋 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 | COMMUNITY MORTGAGE, LLC | 86 | 70 | 77 | 581 | Independent Mortgage Company |
| 2 | MEGASTAR FINANCIAL CORP. | 86 | 88 | 60 | 121 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 1,417 | Independent Mortgage Company |
| 4 | FLAT BRANCH MORTGAGE, INC. | 84 | 50 | 89 | 1,322 | Independent Mortgage Company |
| 5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 248 | Independent Mortgage Company |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 51 | 82 | 152 | Independent Mortgage Company |
| 7 | JLB CORPORATION | 78 | 43 | 82 | 145 | Independent Mortgage Company |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 1,933 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 1,933 | Independent Mortgage Company |
| 10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 74 | 26 | 83 | 1,007 | Independent Mortgage Company |
| 11 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 292 | Independent Mortgage Company |
| 12 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 270 | Independent Mortgage Company |
| 13 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 199 | Independent Mortgage Company |
| 14 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 153 | Independent Mortgage Company |
| 15 | DELMAR FINANCIAL COMPANY | 73 | 45 | 72 | 76 | Independent Mortgage Company |
| 16 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 92 | Independent Mortgage Company |
| 17 | LENDLO MORTGAGE, LLC | 71 | 49 | 88 | 60 | Independent Mortgage Company |
| 18 | Prosperity Home Mortgage, LLC | 68 | 37 | 77 | 694 | Independent Mortgage Company |
| 19 | LEADERONE FINANCIAL CORPORATION | 68 | 21 | 73 | 622 | Independent Mortgage Company |
| 20 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 579 | Independent Mortgage Company |
| 21 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 162 | Independent Mortgage Company |
| 22 | T2 FINANCIAL LLC | 68 | 26 | 86 | 156 | Independent Mortgage Company |
| 23 | BAY EQUITY LLC | 66 | 43 | 65 | 61 | Independent Mortgage Company |
| 24 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 57 | 57 | 166 | Independent Mortgage Company |
| 25 | Midwest Mortgage Associates Corporation | 66 | 47 | 48 | 102 | Independent Mortgage Company |
| 26 | GoodLeap, LLC | 66 | 52 | 56 | 90 | Independent Mortgage Company |
| 27 | Mortgage Research Center, LLC | 63 | 34 | 70 | 525 | Independent Mortgage Company |
| 28 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 437 | Independent Mortgage Company |
| 29 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 237 | Independent Mortgage Company |
| 30 | SUN WEST MORTGAGE COMPANY, INC. | 63 | 33 | 62 | 90 | Independent Mortgage Company |
| 31 | American Mortgage Bank, LLC | 63 | 31 | 71 | 76 | Independent Mortgage Company |
| 32 | DAS Acquisition Company, LLC | 62 | 26 | 80 | 75 | Independent Mortgage Company |
| 33 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 65 | Independent Mortgage Company |
| 34 | ENDEAVOR CAPITAL, LLC. | 58 | 26 | 59 | 222 | Independent Mortgage Company |
| 35 | NEWREZ LLC | 58 | 35 | 59 | 195 | Independent Mortgage Company |
| 36 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 165 | Independent Mortgage Company |
| 37 | Equity Prime Mortgage LLC | 58 | 20 | 66 | 82 | Independent Mortgage Company |
| 38 | Sierra Pacific Mortgage Company, Inc. | 58 | 32 | 80 | 74 | Independent Mortgage Company |
| 39 | Synergy One Lending, Inc. | 58 | 20 | 71 | 66 | Independent Mortgage Company |
| 40 | ZILLOW HOME LOANS, LLC | 58 | 31 | 63 | 62 | Independent Mortgage Company |
| 41 | SUMMIT FUNDING, INC. | 54 | 13 | 81 | 349 | Independent Mortgage Company |
| 42 | HALLMARK HOME MORTGAGE, LLC | 54 | 19 | 84 | 144 | Independent Mortgage Company |
| 43 | EVERETT FINANCIAL, INC. | 54 | 13 | 80 | 136 | Independent Mortgage Company |
| 44 | GENEVA FINANCIAL, LLC | 54 | 14 | 82 | 89 | Independent Mortgage Company |
| 45 | CARRINGTON MORTGAGE SERVICES, LLC | 52 | 24 | 41 | 76 | Independent Mortgage Company |
| 46 | Waterstone Mortgage Corporation | 50 | 15 | 80 | 233 | Independent Mortgage Company |
| 47 | Luminate Home Loans, Inc. | 50 | 13 | 66 | 93 | Independent Mortgage Company |
| 48 | AMERICAN PACIFIC MORTGAGE CORPORATION | 49 | 14 | 84 | 67 | Independent Mortgage Company |
| 49 | Click n' Close, Inc. | 46 | 1 | 59 | 237 | Independent Mortgage Company |
| 50 | PREMIER MORTGAGE RESOURCES, L.L.C. | 46 | 16 | 78 | 71 | 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.