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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 VA Mortgage Company Lenders in Kansas City
Updated February 5, 2026
Market Overview
43
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,363 | +0.316% | 1,417 | |
2 | LENDLO MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,427 | +0.586% | 60 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,896 | +0.335% | 694 | |
4 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,629 | +0.105% | 581 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,393 | +0.209% | 152 | |
6 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,190 | +0.364% | 121 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,248 | +0.222% | 1,007 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,434 | +0.249% | 292 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,728 | -0.014% | 270 | |
10 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,944 | +0.292% | 153 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,467 | +0.352% | 248 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677 | +0.345% | 1,933 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,094 | +0.340% | 1,933 | |
14 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,922 | +0.366% | 1,322 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,472 | +0.369% | 199 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,179 | +0.379% | 195 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,487 | +0.121% | 166 | |
18 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,530 | +0.421% | 90 | |
19 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,598 | +0.675% | 156 | |
20 | Midwest Mortgage Associates Corporation | Strong | Sound | Strong | Strong | Strong | $1,608 | +0.368% | 102 | |
21 | American Mortgage Bank, LLC | Strong | Sound | Strong | Strong | Strong | $2,545 | +0.546% | 76 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,226 | +0.415% | 579 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,766 | +0.321% | 525 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,663 | +0.375% | 437 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,032 | +0.387% | 237 | |
26 | ENDEAVOR CAPITAL, LLC. | Strong | Sound | Strong | Sound | Strong | $1,826 | +0.261% | 222 | |
27 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,239 | +0.430% | 162 | |
28 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $2,955 | -0.332% | 90 | |
29 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,976 | +0.530% | 622 | |
30 | HALLMARK HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,839 | +0.715% | 144 | |
31 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,741 | +0.508% | 89 | |
32 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,717 | +0.283% | 61 | |
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 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,034 | +0.790% | 136 | |
36 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,163 | +1.098% | 82 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,856 | +0.399% | 76 | |
38 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Sound | $4,021 | +0.579% | 66 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,955 | +0.696% | 165 | |
40 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $2,899 | +0.181% | 71 | |
41 | AMERISAVE MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $3,834 | +0.424% | 70 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,075 | +0.675% | 67 | |
43 | Click n' Close, Inc. | Sound | Mediocre | Strong | Sound | Strong | $5,844 | +1.769% | 237 |
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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