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Best Kansas City Mortgage Lenders of 2019

Feb. 11, 2019
Finding the Right Mortgage, Mortgages
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

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.

» MORE: 5 tips for finding the best mortgage lenders

NerdWallet’s best Kansas City mortgage lenders

 

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at Quicken Loans

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal choice for convenience and quick-response customer service. Quicken Loans provides just about all the services your neighborhood lender does — with online convenience.

 

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at Vylla

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for first-time home buyers or credit-challenged borrowers who may have trouble qualifying for a mortgage.

 

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at NBKC Bank

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for those seeking an online experience with personal support. NBKC offers a wide range of loans, a mobile app and VA loan expertise.

 

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at Bank of America

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers who prefer a traditional bank. Bank of America offers a wide array of mortgages and online account management tools. It also has first-time home buyer loans with low down payments and no mandatory mortgage insurance.

 

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at NerdWallet

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers who are looking to apply for a mortgage and manage the process through online tools, whether buying or refinancing. Guaranteed Rate offers FHA, VA and USDA loans for borrowers who are well-qualified.

 

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at Fairway

National / regional

National

Min. down payment

3%

Why we like it

Ideal for borrowers who want lots of options and a quick turn time. Fairway Independent Mortgage offers a full selection of home loans along with a comprehensive mobile app for a fast and easy application process.

 

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at PrimeLending

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers looking for help with closing costs: PrimeLending's proprietary program, NeighborhoodEdge, helps qualified low- to moderate-income borrowers with up to $2,000 in closing cost credits (certain restrictions are based on income and location).

 

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at Flagstar

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for those who appreciate the full-service experience of a leading regional bank. Flagstar offers a full menu of fixed and adjustable home loans and mortgage refinancing, as well as jumbo loans and home equity financing.

 

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at USAA

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for military members and their relatives who are interested in a VA loan.

 

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at Navy Federal

National / regional

National

Min. down payment

0%

Why we like it

Ideal for military members and their families. Navy Federal Credit Union offers a wide range of mortgage products and low minimum loan amounts, and considers alternative credit data.

 

» MORE: See the best Missouri mortgage lenders

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.

CommunityAmerica Credit Union

  • 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.

First State Bank

  • Has two mortgage-lending locations in the Kansas City area.
  • Has an online application available.
  • Makes its lending decisions locally.

Busey Bank

  • 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.

Capitol Federal Savings Bank

  • 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.

Best mortgage lenders in Kansas City: summary

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