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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 Conventional Mortgage Company Lenders in Kansas City

Updated February 5, 2026

Market Overview

Total Lenders

28,634

Total Loans

0.33%

Median Rate Spread

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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