# Best USDA Mortgage Lenders in Kansas

**As of:** 2026-05-27

Compare the top USDA mortgage lenders in Kansas. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/kansas/best-mortgage-lenders/usda-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:** 179
- **Total Loans:** 29,343
- **Median Rate Spread:** 0.3452203389830508%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 1,051 | Independent Mortgage Company |
| 2 | Landmark National Bank | 89 | 77 | 78 | 502 | Bank |
| 3 | GUILD MORTGAGE COMPANY LLC | 89 | 71 | 78 | 428 | Independent Mortgage Company |
| 4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 69 | 72 | 232 | Independent Mortgage Company |
| 5 | NEWREZ LLC | 85 | 65 | 69 | 188 | Independent Mortgage Company |
| 6 | FLAT BRANCH MORTGAGE, INC. | 83 | 56 | 78 | 1,496 | Independent Mortgage Company |
| 7 | GOLDEN PLAINS CREDIT UNION | 83 | 91 | 47 | 215 | Credit Union |
| 8 | Peoples Bank and Trust Company | 79 | 63 | 73 | 438 | Bank |
| 9 | PLANET HOME LENDING, LLC | 79 | 52 | 72 | 178 | Independent Mortgage Company |
| 10 | CMG MORTGAGE, INC. | 79 | 48 | 72 | 97 | Independent Mortgage Company |
| 11 | Stride Bank, National Association | 79 | 53 | 83 | 75 | Bank |
| 12 | MORTGAGE INVESTMENT SERVICES CORPORATION | 77 | 41 | 53 | 201 | Independent Mortgage Company |
| 13 | Sierra Pacific Mortgage Company, Inc. | 75 | 29 | 66 | 464 | Independent Mortgage Company |
| 14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 77 | 409 | Independent Mortgage Company |
| 15 | Arvest Bank | 75 | 27 | 61 | 389 | Bank |
| 16 | Gateway First Bank | 75 | 32 | 72 | 331 | Bank |
| 17 | LEADERONE FINANCIAL CORPORATION | 75 | 24 | 70 | 295 | Independent Mortgage Company |
| 18 | Flagstar Bank, N.A. | 73 | 41 | 58 | 297 | Bank |
| 19 | Members Mortgage Services, L.L.C. | 73 | 54 | 45 | 181 | Independent Mortgage Company |
| 20 | AMERICAN FINANCIAL NETWORK, INC. | 73 | 43 | 61 | 71 | Independent Mortgage Company |
| 21 | Bell Bank | 71 | 35 | 81 | 278 | Bank |
| 22 | American Mortgage Bank, LLC | 71 | 31 | 65 | 125 | Independent Mortgage Company |
| 23 | GUARANTEED RATE, INC. | 71 | 34 | 67 | 123 | Independent Mortgage Company |
| 24 | Equity Prime Mortgage LLC | 71 | 37 | 72 | 104 | Independent Mortgage Company |
| 25 | Community National Bank & Trust | 66 | 25 | 50 | 196 | Bank |
| 26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 63 | 17 | 73 | 1,609 | Independent Mortgage Company |
| 27 | Sunflower Bank, National Association | 63 | 35 | 71 | 169 | Bank |
| 28 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 2 | 65 | 199 | Independent Mortgage Company |
| 29 | UNION HOME MORTGAGE CORP. | 60 | 15 | 68 | 151 | Independent Mortgage Company |
| 30 | Click n' Close, Inc. | 56 | 1 | 59 | 165 | 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.

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.