# Best Conventional Mortgage Companie Lenders in Kansas City, MO

**As of:** 2026-05-26

Compare the top mortgage companies for Conventional loans in Kansas City, MO.

> **Canonical URL:** https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies/conventional-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 | FLAT BRANCH MORTGAGE, INC. | 88 | 59 | 84 | 1,322 | Independent Mortgage Company |
| 2 | COMMUNITY MORTGAGE, LLC | 85 | 66 | 68 | 581 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 1,933 | Independent Mortgage Company |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 1,417 | Independent Mortgage Company |
| 5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 248 | Independent Mortgage Company |
| 6 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 199 | Independent Mortgage Company |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 79 | 45 | 68 | 152 | Independent Mortgage Company |
| 8 | MEGASTAR FINANCIAL CORP. | 79 | 86 | 53 | 121 | Independent Mortgage Company |
| 9 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 92 | Independent Mortgage Company |
| 10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 1,933 | Independent Mortgage Company |
| 11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 1,007 | Independent Mortgage Company |
| 12 | Prosperity Home Mortgage, LLC | 75 | 33 | 71 | 694 | Independent Mortgage Company |
| 13 | LEADERONE FINANCIAL CORPORATION | 75 | 24 | 66 | 622 | Independent Mortgage Company |
| 14 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 166 | Independent Mortgage Company |
| 15 | DELMAR FINANCIAL COMPANY | 74 | 48 | 60 | 76 | Independent Mortgage Company |
| 16 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 270 | Independent Mortgage Company |
| 17 | BAY EQUITY LLC | 73 | 46 | 65 | 61 | Independent Mortgage Company |
| 18 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 579 | Independent Mortgage Company |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 437 | Independent Mortgage Company |
| 20 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 237 | Independent Mortgage Company |
| 21 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 162 | Independent Mortgage Company |
| 22 | T2 FINANCIAL LLC | 71 | 26 | 77 | 156 | Independent Mortgage Company |
| 23 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 153 | Independent Mortgage Company |
| 24 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 292 | Independent Mortgage Company |
| 25 | GoodLeap, LLC | 69 | 49 | 51 | 90 | Independent Mortgage Company |
| 26 | NEWREZ LLC | 66 | 31 | 58 | 195 | Independent Mortgage Company |
| 27 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 165 | Independent Mortgage Company |
| 28 | DAS Acquisition Company, LLC | 66 | 29 | 75 | 75 | Independent Mortgage Company |
| 29 | Sierra Pacific Mortgage Company, Inc. | 66 | 33 | 70 | 74 | Independent Mortgage Company |
| 30 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 65 | Independent Mortgage Company |
| 31 | Midwest Mortgage Associates Corporation | 64 | 42 | 44 | 102 | Independent Mortgage Company |
| 32 | Mortgage Research Center, LLC | 63 | 34 | 43 | 525 | Independent Mortgage Company |
| 33 | ENDEAVOR CAPITAL, LLC. | 63 | 27 | 49 | 222 | Independent Mortgage Company |
| 34 | SUN WEST MORTGAGE COMPANY, INC. | 63 | 31 | 48 | 90 | Independent Mortgage Company |
| 35 | American Mortgage Bank, LLC | 63 | 30 | 49 | 76 | Independent Mortgage Company |
| 36 | Synergy One Lending, Inc. | 63 | 22 | 63 | 66 | Independent Mortgage Company |
| 37 | SUMMIT FUNDING, INC. | 60 | 13 | 72 | 349 | Independent Mortgage Company |
| 38 | Waterstone Mortgage Corporation | 60 | 17 | 72 | 233 | Independent Mortgage Company |
| 39 | HALLMARK HOME MORTGAGE, LLC | 60 | 20 | 77 | 144 | Independent Mortgage Company |
| 40 | EVERETT FINANCIAL, INC. | 60 | 13 | 71 | 136 | Independent Mortgage Company |
| 41 | Luminate Home Loans, Inc. | 60 | 14 | 66 | 93 | Independent Mortgage Company |
| 42 | JLB CORPORATION | 58 | 23 | 55 | 145 | Independent Mortgage Company |
| 43 | ZILLOW HOME LOANS, LLC | 58 | 32 | 50 | 62 | Independent Mortgage Company |
| 44 | LENDLO MORTGAGE, LLC | 58 | 22 | 59 | 60 | Independent Mortgage Company |
| 45 | GENEVA FINANCIAL, LLC | 57 | 15 | 73 | 89 | Independent Mortgage Company |
| 46 | PREMIER MORTGAGE RESOURCES, L.L.C. | 56 | 17 | 73 | 71 | Independent Mortgage Company |
| 47 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 15 | 75 | 67 | Independent Mortgage Company |
| 48 | Click n' Close, Inc. | 53 | 1 | 51 | 237 | Independent Mortgage Company |
| 49 | CARRINGTON MORTGAGE SERVICES, LLC | 53 | 23 | 30 | 76 | Independent Mortgage Company |
| 50 | AMERISAVE MORTGAGE CORPORATION | 44 | 17 | 23 | 70 | 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.