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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 Lenders in Kansas
Updated February 6, 2026
Market Overview
179
Total Lenders
29,343
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Landmark National Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $999 | +0.061% | 502 | |
2 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,749 | +0.067% | 483 | |
3 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Exceptional | $261 | -0.085% | 378 | |
4 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,540 | +0.469% | 1,496 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,343 | +0.235% | 1,051 | |
6 | COMMUNITYAMERICA CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,311 | +0.133% | 1,025 | |
7 | NBH Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,079 | +0.219% | 341 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,711 | +0.297% | 304 | |
9 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,932 | +0.318% | 282 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,604 | +0.413% | 232 | |
11 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,463 | +0.078% | 232 | |
12 | UMB Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $526 | +0.141% | 109 | |
13 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $1,120 | +0.077% | 94 | |
14 | Fidelity Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,165 | +0.322% | 548 | |
15 | Arvest Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,353 | +0.218% | 389 | |
16 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,773 | -0.056% | 319 | |
17 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $494 | +0.201% | 308 | |
18 | First National Bank of Omaha | Exceptional | Strong | Strong | Strong | Strong | $904 | +0.243% | 97 | |
19 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $1,873 | -0.010% | 92 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,368 | +0.416% | 2,363 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,082 | +0.390% | 1,609 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,047 | +0.411% | 409 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,600 | +0.309% | 297 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,720 | +0.526% | 265 | |
25 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,003 | +0.229% | 198 | |
26 | Members Mortgage Services, L.L.C. | Strong | Sound | Strong | Strong | Exceptional | $1,612 | +0.427% | 181 | |
27 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,926 | +0.482% | 178 | |
28 | PENTAGON FEDERAL CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $2,555 | -0.051% | 131 | |
29 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,108 | +0.607% | 97 | |
30 | Stride Bank, National Association | Strong | Sound | Strong | Exceptional | Strong | $1,319 | +0.248% | 75 | |
31 | RCB Bank | Strong | Strong | Sound | Strong | Strong | $1,001 | -0.398% | 67 | |
32 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,314 | +0.410% | 464 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,267 | +0.520% | 428 | |
34 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,668 | +0.418% | 331 | |
35 | Commerce Bank | Strong | Sound | Strong | Sound | Exceptional | $388 | +0.239% | 216 | |
36 | MORTGAGE INVESTMENT SERVICES CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $1,506 | +0.683% | 201 | |
37 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,416 | +0.403% | 188 | |
38 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,896 | +0.462% | 151 | |
39 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,904 | +0.661% | 110 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $817 | +0.523% | 1,040 | |
41 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,075 | +0.247% | 278 | |
42 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,824 | +0.197% | 220 | |
43 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,893 | +0.169% | 169 | |
44 | REGENT FINANCIAL GROUP, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $1,934 | +0.539% | 130 | |
45 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,112 | +0.402% | 123 | |
46 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,893 | +0.908% | 104 | |
47 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,590 | +0.285% | 97 | |
48 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,274 | +0.465% | 90 | |
49 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,099 | +0.451% | 81 | |
50 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,680 | +0.741% | 75 |
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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