# LEADERONE FINANCIAL CORPORATION

> **Canonical URL:** https://saferate.com/lenders/leaderone-financial


> **📋 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


LEADERONE FINANCIAL CORPORATION is a independent mortgage company, headquartered in TOPEKA, KS, serving borrowers nationwide, with 3,874 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493000NYUJT9UC6G261
- **Headquarters:** TOPEKA, KS
- **Geographic Reach:** National
- **States Served:** 43
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.9%
- **Brokered/Wholesale:** 0.1%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.606%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,054
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,874
- **Dollar Volume:** $1.2 billion
- **Applications Received:** 5,608
- **Market Share:** 11.00%

## Typical Borrower Profile

- **Average Loan Amount:** $314,473
- **Average Borrower Income:** $121,818
- **Average Property Value:** $390,416

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 81/100 | 2,136 | +0.516% | $2,814 | Exceptional 🤩 |
| FHA | 85/100 | 1,265 | +0.895% | $3,439 | Exceptional 🤩 |
| VA | 81/100 | 324 | +0.164% | $3,940 | Exceptional 🤩 |
| Jumbo | 51/100 | 45 | +0.386% | $2,403 | Sound ☺️ |
| USDA | 85/100 | 104 | +0.514% | $2,193 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,872 loans, Score: 82/100 (Exceptional)
- Refinance: 264 loans, Score: 65/100 (Strong)

**FHA:**
- Purchase: 1,160 loans, Score: 85/100 (Exceptional)
- Refinance: 105 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 300 loans, Score: 81/100 (Exceptional)
- Refinance: 24 loans, Score: 49/100 (Sound)

**Jumbo:**
- Purchase: 37 loans, Score: 50/100 (Sound)

**USDA:**
- Purchase: 103 loans, Score: 85/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 3,472 | $1.1B | +0.624% | Exceptional 🤩 |
| Refinance | 74/100 | 402 | $137M | +0.481% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 786 | 1.05% | 81/100 |
| IL | 447 | 0.36% | 76/100 |
| FL | 362 | 0.12% | 67/100 |
| KS | 295 | 0.98% | 81/100 |
| CA | 220 | 0.08% | 61/100 |
| ME | 197 | 1.28% | 74/100 |
| IN | 172 | 0.19% | 64/100 |
| WA | 167 | 0.20% | 67/100 |
| TX | 154 | 0.04% | 58/100 |
| AL | 129 | 0.22% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 622 | 84/100 |
| Non |  | 426 | 67/100 |
| Chicago | IL | 303 | 73/100 |
| St. Louis, MO | MO-IL | 264 | 77/100 |
| Bangor, ME | ME | 108 | 83/100 |
| Merced, CA | CA | 102 | 92/100 |
| Chattanooga, TN | TN-GA | 100 | 74/100 |
| Sebring, FL | FL | 91 | 90/100 |
| Lake County | IN | 67 | 69/100 |
| Topeka, KS | KS | 57 | 68/100 |
| Tampa, FL | FL | 54 | 56/100 |
| Birmingham, AL | AL | 53 | 62/100 |
| Peoria, IL | IL | 50 | 60/100 |
| Muskegon | MI | 49 | 64/100 |
| Indianapolis | IN | 47 | 55/100 |

## Where This Lender Ranks

LEADERONE FINANCIAL CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Sebring, FL for USDA Loans
  - [View Full Rankings](https://saferate.com/sebring-fl/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Sebring, FL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sebring-fl/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Chattanooga, TN for USDA Loans
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Chattanooga, TN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Bangor, ME Mortgage Companies
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Bangor, ME for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Merced, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Sebring, FL Mortgage Companies
  - [View Full Rankings](https://saferate.com/sebring-fl/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Sebring, FL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sebring-fl/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Sebring, FL
  - [View Full Rankings](https://saferate.com/sebring-fl/best-mortgage-lenders)
- 🏆 **#4** in Sebring, FL for Conventional Loans
  - [View Full Rankings](https://saferate.com/sebring-fl/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Merced, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Merced, CA for Conventional Loans
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Merced, CA for VA Loans
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Merced, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Laredo, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Owensboro, KY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/owensboro-ky/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Kansas City, MO for USDA Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/usda-loans)
- 🏆 **#6** in Kansas City, MO for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#6** in Bangor, ME
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does LEADERONE FINANCIAL CORPORATION offer?

LEADERONE FINANCIAL CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does LEADERONE FINANCIAL CORPORATION offer mortgages?

LEADERONE FINANCIAL CORPORATION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are LEADERONE FINANCIAL CORPORATION's mortgage rates?

LEADERONE FINANCIAL CORPORATION has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.606% above market average.

### What type of lender is LEADERONE FINANCIAL CORPORATION?

LEADERONE FINANCIAL CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in TOPEKA, KS.

### What is LEADERONE FINANCIAL CORPORATION's loan approval success rate?

LEADERONE FINANCIAL CORPORATION has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/leaderone-financial

### How to Cite

> "LEADERONE FINANCIAL CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/leaderone-financial

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