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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 FHA Mortgage Company Lenders in Kansas City
Updated February 5, 2026
Market Overview
49
Total Lenders
28,634
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,896 | +0.335% | 694 | |
2 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,629 | +0.105% | 581 | |
3 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,190 | +0.364% | 121 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,363 | +0.316% | 1,417 | |
5 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,922 | +0.366% | 1,322 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,434 | +0.249% | 292 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,467 | +0.352% | 248 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,728 | -0.014% | 270 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,393 | +0.209% | 152 | |
10 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,955 | -0.332% | 90 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677 | +0.345% | 1,933 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,094 | +0.340% | 1,933 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,248 | +0.222% | 1,007 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,472 | +0.369% | 199 | |
15 | JLB CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $4,650 | +0.265% | 145 | |
16 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $2,427 | +0.586% | 60 | |
17 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,179 | +0.379% | 195 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,239 | +0.430% | 162 | |
19 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,598 | +0.675% | 156 | |
20 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $1,016 | +0.298% | 76 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,226 | +0.415% | 579 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,944 | +0.292% | 153 | |
23 | Midwest Mortgage Associates Corporation | Strong | Sound | Strong | Sound | Strong | $1,608 | +0.368% | 102 | |
24 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,530 | +0.421% | 90 | |
25 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,976 | +0.530% | 622 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,766 | +0.321% | 525 | |
27 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,761 | +0.526% | 349 | |
28 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,407 | +0.383% | 233 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,487 | +0.121% | 166 | |
30 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,839 | +0.715% | 144 | |
31 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,034 | +0.790% | 136 | |
32 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,741 | +0.508% | 89 | |
33 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,163 | +1.098% | 82 | |
34 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,545 | +0.546% | 76 | |
35 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,021 | +0.579% | 66 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,417 | +0.531% | 65 | |
37 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,853 | +0.523% | 62 | |
38 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,717 | +0.283% | 61 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,663 | +0.375% | 437 | |
40 | Click n' Close, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $5,844 | +1.769% | 237 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,032 | +0.387% | 237 | |
42 | ENDEAVOR CAPITAL, LLC. | Strong | Acceptable | Strong | Sound | Strong | $1,826 | +0.261% | 222 | |
43 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $2,869 | +0.803% | 93 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,856 | +0.399% | 76 | |
45 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,326 | +0.674% | 75 | |
46 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $3,834 | +0.424% | 70 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,075 | +0.675% | 67 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,955 | +0.696% | 165 | |
49 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | 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 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.
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