24/7 Available · Kansas City
24-Hour Mortgage Brokers in Kansas City, MO — Always Available
Emergencies don't keep business hours. These mortgage brokers in Kansas City are available 24 hours a day, 7 days a week — including holidays.
As of July 2026, RatingsNearMe ranks 16 mortgage brokers in Kansas City, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Smart Home Lending with a 5.0-star rating from 536 Google reviews and an RNM Score of 88/100. Also in the top tier: Fountain Mortgage and Golden Oak Lending. The average rating across all listed mortgage brokers in Kansas City is 5 stars from 199 reviews per business on average.
Mortgage brokers in Kansas City: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Smart Home Lending
Smart Home Lending is consistently top-ranked for its combination of strong customer satisfaction, competitive rates, and efficient service.
Most Reviewed
KC Mortgage Pro
A high review count indicates broad experience and reliability, helping consumers gauge consistent service quality.
When choosing a mortgage broker in Kansas City, compare loan options and fees from multiple brokers, and read recent reviews to ensure they align with your specific needs and timeline.
Local Market Snapshot
16
Businesses listed
5★
Avg rating
199
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of Kansas City clients, this broker holds a flawless 5.0-star rating.
5440 W 110th St Suite 300, Overland Park, KS 66211, USAKansas City mortgage broker with a 4.9-star rating from 578 Google reviews.
7501 Mission Rd Ste 200, Prairie Village, KS 66208, USATrusted by hundreds of Kansas City clients with a near-perfect 4.9-star rating.
8400 W 110th St #610, Overland Park, KS 66210, USAMortgage Brokers Rankings in Kansas City, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Smart Home Lending5440 W 110th St Suite 300, Overland Park, KS 66211, USA | 5.0★ | 536 |
| #2 | Fountain Mortgage7501 Mission Rd Ste 200, Prairie Village, KS 66208, USA | 4.9★ | 578 |
| #3 | Golden Oak Lending8400 W 110th St #610, Overland Park, KS 66210, USA | 4.9★ | 392 |
| #4 | Loans In KC4200 Somerset Dr Ste 131, Prairie Village, KS 66208, USA | 4.9★ | 67 |
| #5 | Lee McLain, Kansas City Mortgage Broker720 Main St, Kansas City, MO 64105, USA | 5.0★ | 31 |
| #6 | Fairway Independent Mortgage Corporation202 NE 91 St, Kansas City, MO 64155, USA | 4.9★ | 276 |
| #7 | Signature Mortgage Group LLC1828 Swift St #100, North Kansas City, MO 64116, USA | 5.0★ | 290 |
| #8 | US Mortgage Connection6247 Brookside Blvd Suite 228, Kansas City, MO 64113, USA | 5.0★ | 55 |
| #9 | Clear Mortgage, LLC.325 Southwest Blvd, Kansas City, MO 64108, USA | 5.0★ | 209 |
| #10 | Crown Mortgage3637 Main St, Kansas City, MO 64111, USA | 5.0★ | 140 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Kansas City
Praised by clients with a 4.9-star rating from 67 reviews.
4200 Somerset Dr Ste 131, Prairie Village, KS 66208, USA
5.0-star rating from 31 Google reviews, reflecting exceptional client satisfaction.
720 Main St, Kansas City, MO 64105, USA
Trusted by hundreds, this Kansas City mortgage broker holds a flawless 4.9-star rating.
202 NE 91 St, Kansas City, MO 64155, USA
Praised by clients with a perfect 5.0 rating from nearly 300 reviews.
1828 Swift St #100, North Kansas City, MO 64116, USA
Top-rated Kansas City mortgage broker with a
6247 Brookside Blvd Suite 228, Kansas City, MO 64113, USA
Top-rated Kansas City mortgage broker with a perfect 5.0★ rating from over 200 reviews.
325 Southwest Blvd, Kansas City, MO 64108, USA
Trusted by hundreds of Kansas City clients with a flawless 5.0-star rating.
3637 Main St, Kansas City, MO 64111, USA
5.0 stars from 169 Google reviews, an exceptional local mortgage broker.
3100 Broadway Blvd #313, Kansas City, MO 64111, USA
Trusted by Kansas City homeowners with a perfect 5.0★ rating from 102 reviews.
1800 Genessee St Suite 406, Kansas City, MO 64102, USA
Rated 4.7 stars from 75 reviews, consistently trusted by Kansas City clients.
5901 NW 63rd Terrace Ste 180, Kansas City, MO 64151, USA
Top-rated Kansas City mortgage broker with a perfect 5.0 stars from 32 reviews.
1475 Walnut St, Kansas City, MO 64106, USA
5.0-star rating from 11 Google reviews, reflecting exceptional client satisfaction.
1828 Walnut St 4th Floor, Kansas City, MO 64108, USA
Top-rated Kansas City mortgage broker with a perfect 5.0★ from over 200 reviews.
9401 Indian Creek Pkwy # 470, Overland Park, KS 66210, USA
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Mortgage Brokers in Kansas City, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Smart Home Lending | 88/100 | 5.0 ★ | 536 |
| 2 | Fountain Mortgage | 87/100 | 4.9 ★ | 578 |
| 3 | Golden Oak Lending | 87/100 | 4.9 ★ | 392 |
| 4 | Loans In KC | 80/100 | 4.9 ★ | 67 |
| 5 | Lee McLain, Kansas City Mortgage Broker | 77/100 | 5.0 ★ | 31 |
| 6 | Fairway Independent Mortgage Corporation | 87/100 | 4.9 ★ | 276 |
| 7 | Signature Mortgage Group LLC | 88/100 | 5.0 ★ | 290 |
| 8 | US Mortgage Connection | 80/100 | 5.0 ★ | 55 |
| 9 | Clear Mortgage, LLC. | 87/100 | 5.0 ★ | 209 |
| 10 | Crown Mortgage | 85/100 | 5.0 ★ | 140 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Kansas City
What does a mortgage broker do differently than going directly to a bank in Kansas City?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Kansas City?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in MO?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 5, 2026.
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