Safe Rate Rankings

Best Conventional Mortgage Companie Lenders in Kansas City

Updated May 26, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders164
Total Loans28,634
Median Rate Spread0.33%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Exceptional
$1,922Fees
0.366%Above
1,322
2
COMMUNITY MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Strong
Strong
Strong
Exceptional
$1,629Fees
0.105%Above
581
3
MEGASTAR FINANCIAL CORP.Independent Mortgage Company
Exceptional
Exceptional
Strong
Sound
Strong
$6,190Credit
0.364%Above
121
4
PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company
Exceptional
Exceptional
Exceptional
Sound
Sound
$1,294Fees
0.038%Below
92
5
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$3,677Fees
0.345%Above
1,933
6
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$2,363Fees
0.316%Above
1,417
7
ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$1,467Fees
0.352%Above
248
8
LOANDEPOT.COM, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$3,472Fees
0.369%Above
199
9
MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company
Strong
Strong
Strong
Sound
Strong
$1,487Fees
0.121%Above
166
10
VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$2,393Fees
0.209%Above
152
11
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$2,094Fees
0.340%Above
1,933
12
PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$2,248Fees
0.222%Above
1,007
13
Prosperity Home Mortgage, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$1,896Fees
0.335%Above
694
14
LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$2,976Fees
0.530%Above
622
15
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Sound
Strong
$1,728Fees
0.014%Below
270
16
DELMAR FINANCIAL COMPANYIndependent Mortgage Company
Strong
Sound
Strong
Strong
Strong
$1,016Fees
0.298%Above
76
17
BAY EQUITY LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Sound
$2,717Fees
0.283%Above
61
18
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,226Fees
0.415%Above
579
19
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,663Fees
0.375%Above
437
20
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Sound
Strong
Sound
Strong
$1,434Fees
0.249%Above
292
21
NATIONSTAR MORTGAGE LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,032Fees
0.387%Above
237
22
UNION HOME MORTGAGE CORP.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,239Fees
0.430%Above
162
23
T2 FINANCIAL LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,598Fees
0.675%Above
156
24
GUARANTEED RATE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$1,944Fees
0.292%Above
153
25
GoodLeap, LLCIndependent Mortgage Company
Strong
Sound
Strong
Sound
Strong
$2,955Fees
0.332%Below
90
26
NEWREZ LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$2,179Fees
0.379%Above
195
27
NEW AMERICAN FUNDING, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$2,955Fees
0.696%Above
165
28
Midwest Mortgage Associates CorporationIndependent Mortgage Company
Strong
Sound
Sound
Sound
Strong
$1,608Fees
0.368%Above
102
29
DAS Acquisition Company, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Sound
$2,326Fees
0.674%Above
75
30
Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Sound
$3,119Fees
0.382%Above
74
31
CMG MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Sound
$2,417Fees
0.531%Above
65
32
Mortgage Research Center, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$1,766Fees
0.321%Above
525
33
SUMMIT FUNDING, INC.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$2,761Fees
0.526%Above
349
34
Waterstone Mortgage CorporationIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$3,407Fees
0.383%Above
233
35
ENDEAVOR CAPITAL, LLC.Independent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$1,826Fees
0.261%Above
222
36
HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$2,839Fees
0.715%Above
144
37
EVERETT FINANCIAL, INC.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$3,034Fees
0.790%Above
136
38
Luminate Home Loans, Inc.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$2,869Fees
0.803%Above
93
39
SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$2,530Fees
0.421%Above
90
40
American Mortgage Bank, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$2,545Fees
0.546%Above
76
41
Synergy One Lending, Inc.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
Sound
$4,021Fees
0.579%Above
66
42
JLB CORPORATIONIndependent Mortgage Company
Sound
Acceptable
Sound
Sound
Strong
$4,650Fees
0.265%Above
145
43
GENEVA FINANCIAL, LLCIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
Strong
$2,741Fees
0.508%Above
89
44
PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company
Sound
Mediocre
Exceptional
Strong
Sound
$2,899Fees
0.181%Above
71
45
AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company
Sound
Mediocre
Exceptional
Strong
Sound
$3,075Fees
0.675%Above
67
46
ZILLOW HOME LOANS, LLCIndependent Mortgage Company
Sound
Acceptable
Strong
Sound
Sound
$2,853Fees
0.523%Above
62
47
LENDLO MORTGAGE, LLCIndependent Mortgage Company
Sound
Acceptable
Strong
Sound
Sound
$2,427Fees
0.586%Above
60
48
Click n' Close, Inc.Independent Mortgage Company
Sound
Mediocre
Strong
Sound
Strong
$5,844Fees
1.769%Above
237
49
CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company
Sound
Acceptable
Strong
Acceptable
Sound
$4,856Fees
0.399%Above
76
50
AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company
Sound
Mediocre
Strong
Acceptable
Sound
$3,834Fees
0.424%Above
70

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.