Safe Rate Rankings

Best Conventional Mortgage Lenders in Kansas City

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders164

Total Loans28,634

Median Rate Spread0.33%

Kansas City Market Insights

Flat Branch Mortgage is Safe Rate's top-ranked Conventional lender in Kansas City, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Kansas City, Navy Federal Credit Union and Nbkc Bank scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #5 in Kansas City, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Kansas City: Rocket Mortgage (#7) and Communityamerica Credit Union (#3).

Explore Rankings by Type

Overall Rankings

All lenders in Kansas City

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,922Fees	0.366%Above	1,322
2	Capitol Federal Savings Bank BankDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,403Fees	0.192%Below	512
3	COMMUNITYAMERICA CREDIT UNION Credit UnionDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,251Fees	0.150%Above	2,185
4	First State Bank of St. Charles, Missouri BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,702Fees	0.040%Above	867
5	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,363Fees	0.316%Above	1,417
6	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$688Fees	0.180%Above	364
7	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,677Fees	0.345%Above	1,933
8	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$591Fees	0.538%Below	207
9	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Exceptional	$192Fees	0.086%Below	592
10	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,917Fees	0.109%Below	218
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,094Fees	0.340%Above	1,933
12	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,708Fees	0.096%Above	303
13	Oakstar Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$649Fees	0.027%Above	168
14	Landmark National Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$1,071Fees	0.065%Below	122
15	Mid-America Bank BankDirect	Strong	Strong	Strong	Exceptional	Strong	$948Fees	0.339%Above	90
16	The Central Trust Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$69Fees	0.308%Above	443
17	First National Bank of Omaha BankDirect	Strong	Strong	Exceptional	Strong	Strong	$795Fees	0.274%Above	171
18	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,248Fees	0.222%Above	1,007
19	COMMUNITY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	Exceptional	$1,629Fees	0.105%Above	581
20	First Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,422Fees	0.049%Above	465
21	Bell Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,191Fees	0.222%Above	298
22	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$1,294Fees	0.038%Below	92
23	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,226Fees	0.415%Above	579
24	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,896Fees	0.335%Above	694
25	Arvest Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,363Fees	0.181%Above	582
26	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,467Fees	0.352%Above	248
27	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,472Fees	0.369%Above	199
28	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,197Fees	0.091%Above	162
29	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,625Fees	0.311%Above	280
30	First Federal Bank BankDirect	Strong	Strong	Strong	Sound	Strong	$1,699Fees	0.121%Above	147
31	MEGASTAR FINANCIAL CORP. Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Sound	Strong	$6,190Credit	0.364%Above	121
32	Fidelity Bank, National Association BankDirect	Strong	Strong	Strong	Strong	Strong	$994Fees	0.471%Above	90
33	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,663Fees	0.375%Above	437
34	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,728Fees	0.014%Below	270
35	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$1,487Fees	0.121%Above	166
36	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,944Fees	0.292%Above	153
37	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,393Fees	0.209%Above	152
38	Stride Bank, National Association BankDirect	Strong	Sound	Strong	Strong	Strong	$1,315Fees	0.218%Above	135
39	BOKF, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,707Fees	0.378%Above	135
40	LEADERONE FINANCIAL CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,976Fees	0.530%Above	622
41	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,239Fees	0.430%Above	162
42	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,598Fees	0.675%Above	156
43	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,417Fees	0.531%Above	65
44	Commerce Bank BankDirect	Strong	Sound	Strong	Sound	Strong	$122Fees	0.263%Above	332
45	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	$2,717Fees	0.283%Above	61
46	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,179Fees	0.379%Above	195
47	HALLMARK HOME MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,839Fees	0.715%Above	144
48	NexBank BankWholesale	Strong	Sound*	Strong	Strong	Strong	$1,118Fees	0.366%Above	94
49	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,433Fees	0.559%Above	87
50	DAS Acquisition Company, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,326Fees	0.674%Above	75

❓ Frequently Asked Questions

How are mortgage lenders ranked in Kansas City, MO?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Kansas City, MO), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Kansas City, MO?+

Based on 2024 HMDA data, 164 lenders originated a combined 28,634 loans in Kansas City, MO. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Kansas City, MO?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Kansas City, MO is 0.33%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Kansas City, MO's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.