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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 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 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $261 | -0.085% | 378 | |
2 | Exchange Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,263 | -0.263% | 181 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,343 | +0.235% | 1,051 | |
4 | Armed Forces Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,342 | -0.082% | 81 | |
5 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,749 | +0.067% | 483 | |
6 | Arvest Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,353 | +0.218% | 389 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $532 | -0.538% | 245 | |
8 | Intrust Bank, National Association | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,001 | -0.160% | 138 | |
9 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,873 | -0.010% | 92 | |
10 | Landmark National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $999 | +0.061% | 502 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,047 | +0.411% | 409 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,773 | -0.056% | 319 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $494 | +0.201% | 308 | |
14 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,711 | +0.297% | 304 | |
15 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,932 | +0.318% | 282 | |
16 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,463 | +0.078% | 232 | |
17 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,112 | +0.402% | 123 | |
18 | Central National Bank | Exceptional | Strong | Strong | Exceptional | Strong | $856 | +0.131% | 118 | |
19 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $1,120 | +0.077% | 94 | |
20 | Gateway First Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,668 | +0.418% | 331 | |
21 | Bell Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,075 | +0.247% | 278 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,604 | +0.413% | 232 | |
23 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,824 | +0.197% | 220 | |
24 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,491 | -0.128% | 218 | |
25 | PENTAGON FEDERAL CREDIT UNION | Exceptional | Strong | Exceptional | Sound | Strong | $2,555 | -0.051% | 131 | |
26 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,590 | +0.285% | 97 | |
27 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,099 | +0.451% | 81 | |
28 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,368 | +0.416% | 2,363 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,082 | +0.390% | 1,609 | |
30 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,540 | +0.469% | 1,496 | |
31 | COMMUNITYAMERICA CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $1,311 | +0.133% | 1,025 | |
32 | NBH Bank | Strong | Sound | Strong | Strong | Exceptional | $1,079 | +0.219% | 341 | |
33 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,600 | +0.309% | 297 | |
34 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,720 | +0.526% | 265 | |
35 | MORTGAGE INVESTMENT SERVICES CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $1,506 | +0.683% | 201 | |
36 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,416 | +0.403% | 188 | |
37 | Members Mortgage Services, L.L.C. | Strong | Sound | Strong | Strong | Exceptional | $1,612 | +0.427% | 181 | |
38 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,926 | +0.482% | 178 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,394 | +0.192% | 125 | |
40 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,108 | +0.607% | 97 | |
41 | Stride Bank, National Association | Strong | Sound | Strong | Exceptional | Strong | $1,319 | +0.248% | 75 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $817 | +0.523% | 1,040 | |
43 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,314 | +0.410% | 464 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,267 | +0.520% | 428 | |
45 | The Central Trust Bank | Strong | Sound | Strong | Strong | Strong | $1,003 | +0.229% | 198 | |
46 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,989 | +0.109% | 172 | |
47 | American Mortgage Bank, LLC | Strong | Sound | Strong | Strong | Strong | $1,822 | +0.459% | 125 | |
48 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,904 | +0.661% | 110 | |
49 | Fidelity Bank, National Association | Strong | Acceptable | Strong | Strong | Exceptional | $1,165 | +0.322% | 548 | |
50 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,583 | +0.378% | 336 |
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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