10 Best Kansas City Mortgage Lenders of 2021
Locating a mortgage lender in Kansas City is easy, but finding the right one can be overwhelming. NerdWallet did the research to recommend some of the best.
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You’ll find a strong stable of mortgage companies in the Kansas City area, regardless of which side of State Line Road you look. The challenge? Sifting through the plethora of options. To make the process easier, NerdWallet researched the local market to find some of the best national and regional mortgage lenders for a variety of borrowers. These companies do business throughout the area and are good places to start your search.
You’ll find a strong stable of mortgage companies in the Kansas City area, regardless of which side of State Line Road you look. The challenge? Sifting through the plethora of options. To make the process easier, NerdWallet researched the local market to find some of the best national and regional mortgage lenders for a variety of borrowers. These companies do business throughout the area and are good places to start your search.
Best Kansas City Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
NBKC: NMLS#409631 Learn more at NBKC | Best for online convenience | 620 | 3% | Learn more at NBKC |
Quicken Loans: NMLS#3030 Learn more at Quicken Loans | Best for first-time home buyers | 620 | 3% | Learn more at Quicken Loans |
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | Best for nonbank option | 620 | 3% | Learn more at Guaranteed Rate |
![]() Bank of America: NMLS#399802 | Best for online convenience | 660 | 5% | Read review |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for nonbank option | 620 | 3% | Learn more at Fairway Independent Mortgage |
![]() Carrington: NMLS#2600 | Best for first-time home buyers | 620 | 5% | Read review |
![]() PrimeLending: NMLS#13649 | Best for niche loan products | 620 | 3% | Read review |
![]() Flagstar: NMLS#417490 | Best for niche loan products | 620 | 3% | Read review |
![]() USAA: NMLS#8722 | Best for veterans | 640 | 0% | Read review |
![]() Navy Federal: NMLS#399807 | Best for veterans | N/A | 0% | Read review |
at Quicken Loans
Quicken Loans: NMLS#3030
Min. credit score
620Min. down payment
3%at Quicken Loans

at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620Min. down payment
3%at Guaranteed Rate
Bank of America: NMLS#399802

Min. credit score
660Min. down payment
5%National / regional
National
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
620Min. down payment
3%at Fairway Independent Mortgage
Carrington: NMLS#2600

Min. credit score
620Min. down payment
5%PrimeLending: NMLS#13649

Min. credit score
620Min. down payment
3%Flagstar: NMLS#417490

Min. credit score
620Min. down payment
3%Navy Federal: NMLS#399807

National / regional
NationalMin. down payment
0%Local mortgage lenders in Kansas City
The following companies haven’t been reviewed by NerdWallet, but they do a lot of business in the Kansas City metropolitan area. They’re worth investigating if you’re looking for more options.
Good for borrowers looking for a homegrown credit union.
Offers membership to Kansas City area residents, workers and employees of select companies outside the area.
Has an adjustable-rate loan available with no down payment for first-time home buyers.
Offers FHA, USDA and VA mortgages, as well as fixed-rate home equity lines of credit.
Has two mortgage-lending locations in the Kansas City area.
Has an online application available.
Makes its lending decisions locally.
Good for borrowers looking for a full suite of fixed- and adjustable-rate mortgage options.
Allows you to start an application online.
Offers FHA, USDA and VA mortgages.
Offers no and low down payment options, including a special program for physicians.
Good for borrowers looking for online conveniences.
Has an online application and displays mortgage rates on its website.
Has programs available for low- and moderate-income home buyers.
Offers construction loans and combined purchase and renovation loans.
More from NerdWallet
Last updated on December 1, 2021
Methodology
To recap our selections...
NerdWallet's Best Kansas City Mortgage Lenders of 2021
- NBKC: Best for online convenience
- Quicken Loans: Best for first-time home buyers
- Guaranteed Rate: Best for nonbank option
- Bank of America: Best for online convenience
- Fairway Independent Mortgage: Best for nonbank option
- Carrington: Best for first-time home buyers
- PrimeLending: Best for niche loan products
- Flagstar: Best for niche loan products
- USAA: Best for veterans
- Navy Federal: Best for veterans