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Best Mortgage Lenders in Kansas City

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    Written by Sandi Pope

    Buying a house lets people build equity, invest in the community and have control of their homes. Mortgages help prospective homeowners enjoy these benefits without saving significant amounts of cash first. Check out the guide below to learn the basics of home loans and see our recommendations for the top mortgage lenders in Kansas City.

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      Current mortgage rates in Kansas City

      In Kansas City, the average 15-year and 30-year fixed mortgage rates are similar to the national averages; however, mortgage rates fluctuate over time, so check this tool from the Consumer Finance Protection Bureau to get the current mortgage rates in Kansas. Once you have a mortgage rate estimate, use our mortgage calculator to find out how much house you can afford.

      Finding a home loan in Kansas City

      Kansas City is home to almost 500,000 people, and many more live in the surrounding metro area. Though some areas have high crime rates, neighborhoods like Westport and Sunset Hill tend to be safe, low-crime areas filled with young families, working individuals and military veterans. People in different neighborhoods tend to get different types of home loans, so we picked some areas around Kansas City to help you see what kinds of options might be best for you.

      • Overland Park: From shopping to sporting events, there’s always something to do in this bustling suburb just outside of Kansas City. Distilleries, award-winning brunch spots and upscale steakhouses are peppered throughout the area. Real estate here features a variety of architectural styles, including bungalows, townhouses, ranch homes and luxury condominiums. The average home in this neighborhood costs around $349,250, and standard mortgages chosen here include conventional loans.
      • Westport: This walkable area is a safe, low-crime neighborhood known for its entertainment scene, festive brewpubs and bars. Westport also features historic homes, eateries, lush parks and trails. On average, homes in Westport cost between $225,000 and $240,000, and residents are mostly college students, working individuals, young families and military members. Buyers looking in this neighborhood tend to choose government-backed FHA or VA loans.
      • Sunset Hill: This neighborhood is a friendly, family-oriented community that features opulent homes and high-rise apartments priced around $500,000. Nearby attractions include private country clubs, Loose Park Rose Garden and The Nelson-Atkins Museum of Art. Residents tend to choose jumbo loans in this neighborhood.

      Kansas City federal mortgage requirements

      A conforming loan is a mortgage that meets the funding guidelines established by the Federal Housing Finance Agency (FHFA). These loans usually offer better mortgage rates and lower down payments. However, the government limits the maximum amounts of these loans with new caps regularly and the amount may vary by area, so check out the FHFA official website for updates.

      Other federal requirements for obtaining a conforming loan in Kansas City are:

      • A minimum credit score of 620 to 700
      • A debt-to-income ratio that doesn’t exceed 36% or 45%

      Kansas City residents who are purchasing property in expensive neighborhoods like Overland Park or Sunset Hill may need nonconforming loans, like jumbo or super jumbo mortgages. These loans typically require large down payments and have high interest rates because they are riskier to the mortgage lender.

      Choosing a Kansas City mortgage lender

      Finding a reputable mortgage lender and getting the right loan is essential because you’re going to be working with this lender for 15 to 30 years. To find the best fit:

      • Compare rates from several mortgage lenders
      • Ask about turnaround times for preapprovals, appraisals and closings
      • Find a mortgage lender who can assist with specific financial needs, such as renovating a historic home

      Don’t settle for a mortgage lender that doesn’t match your situation. If a mortgage company specializes in loans for borrowers with poor credit but you have excellent credit, continue researching mortgage companies until you find a lender who can help with your personal needs and goals.

      When evaluating a mortgage lender, consider which factors are important to you — whether it’s reliable customer service or competitive rates. Then thoroughly read online reviews and ask for recommendations from family members and friends who worked with that mortgage company.

      Kansas City home loan FAQ

      What credit score do you need to get a mortgage in Kansas City?
      Mortgage companies in Kansas City have differing qualifications, but most require at least a FICO credit score of 580 to 620 to qualify. Borrowers typically need a credit score of 620 to 640 to qualify for conventional loans and loans through the U.S. Department of Agriculture, and mortgages through the Federal Housing Administration require a minimum credit score of 500 with a 10% down payment or 580 with a 3.5% down payment.
      What is the mortgage rate in Kansas City?
      The average mortgage rate in Kansas City is around 3.78% for a 30-year fixed loan and about 3.16% for a 15-year fixed loan, though mortgage rates change daily depending on the performance of the market.
      How quickly can you get a mortgage offer in Kansas City?
      On average, mortgage offers, including preapproval, appraisals and dispensing funds, take from 30 to 60 days in Kansas City. However, many local companies strive for fast closing times.

      Not sure how to choose?

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        Kansas City mortgage company information

        Metropolitan Mortgage Corporation

        Metropolitan Mortgage Corporation offers a variety of mortgage options, including VA, FHA, conventional, fixed-rate and jumbo loans. Refinancing loans are available, as well. Borrowers can apply for lending online and utilize the company’s mobile app to initiate and monitor their loan progress.

        • Address: 7381 W. 133rd St., Ste. 200, Overland Park, KS 66213
        • Phone: (913) 642-8300
        • Hours: M - F: 8:30am - 5:30pm
        • Website: emetropolitan.com
        Kansas City Mortgage Guy

        In addition to its traditional lending options, including FHA, VA and USDA loans, Kansas City Mortgage Guy offers specialized mortgage solutions like balloon loans and physician mortgage loans. Veterans and borrowers who have filed bankruptcy qualify for special financial assistance. Customers can submit loan applications directly on the company’s website and get prequalification within 48 hours.

        • Address: 1201 NE 92nd St., Kansas City, MO 64155
        • Phone: (816) 414-3239
        • Hours: M - F: 8am - 5pm
        • Website: kcmortgageguy.com
        PrimeLending Kansas City

        PrimeLending is an award-winning company that helps Kansas City residents get mortgages. Its offerings include FHA, VA, USDA, fixed-rate, adjustable-rate, jumbo and conventional loans. The company also has options for refinancing, delayed financing and down payment assistance. Borrowers can apply online and receive real-time updates through the company’s app.

        • Address: 8254 N. Booth Ave., Kansas City, MO 64158; Multiple locations
        • Phone: (816) 883-3025
        • Hours: M - F: 8:30am - 5pm
        • Website: whyprimelendingkc.com
        Churchill Mortgage

        As an equal housing lender, Churchill Mortgage serves any Kansas City resident interested in purchasing or refinancing a home. The company specializes in financing for first-time homebuyers, veterans and residents of rural areas. Churchill utilizes an app to make searching for property and applying for lending easy and convenient.

        • Address: 2300 Main St., Ste. 900, Kansas City, MO 64108
        • Phone: (913) 214-4477
        • Hours: M - F: 8:30am - 5pm
        • Website: churchillmortgage.com
        FirstTrust Financial

        FirstTrust Financial offers multiple mortgage lending options for borrowers wanting to purchase property, renovate a house or refinance their current home. Its loan specialists help consumers receive competitive rates and fair terms. Specialized financing is available for veterans, first-time homebuyers and homeowners completing remodels.

        • Address: 9229 Ward Parkway, Ste. 100, Kansas City, MO 64114
        • Phone: (816) 363-3105
        • Hours: M - F: 9am - 5pm
        • Website: yourfirsttrust.com
        Union Home Mortgage

        The loan specialists at Union Home Mortgage help Kansas City residents choose mortgage products based on individual budgets and lifestyle needs. A variety of lending options are available, including FHA, VA, USDA, conventional and fixed-rate loans. Nontraditional borrowers — like self-employed residents — receive special financial assistance. All borrowers can check for prequalification directly on the company’s website.

        • Address: 4444 North Belleview Ave., Ste. 103, Kansas City, MO 64116; Multiple locations
        • Phone: (816) 455-7770
        • Hours: M - F: 8:30am - 5pm
        • Website: unionhomemortgage.com/branches/kansas-city
        Community Lending of America Inc.

        As a full-service mortgage company, Community Lending of America Inc. aims to provide low mortgage rates, low closing costs, fast closings and convenient availability. The company offers a variety of mortgage loan options, such as FHA, VA and HELOC loans, along with specialized financing for borrowers who want to refinance or consolidate debt.

        • Address: 8301 State Line Road, Ste. G-D, Kansas City, MO 64114; Multiple locations
        • Phone: (816) 333-6500
        • Hours: M - Sun: 8am - 10pm
        • Website: communitylendingofamerica.com