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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Kansas
Updated February 6, 2026
Market Overview
179
Total Lenders
29,343
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Exchange Bank | Exceptional | Exceptional | Exceptional | Exceptional | $1,263 | -0.263% | 181 | |
2 | Capitol Federal Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,287 | -0.202% | 726 | |
3 | Intrust Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $1,001 | -0.160% | 138 | |
4 | Landmark National Bank | Exceptional | Strong | Exceptional | Exceptional | $999 | +0.061% | 502 | |
5 | NBKC BANK | Exceptional | Exceptional | Sound | Exceptional | $261 | -0.085% | 378 | |
6 | GOLDEN PLAINS CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $630 | -0.022% | 215 | |
7 | Fidelity Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,165 | +0.322% | 548 | |
8 | MERITRUST Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $1,341 | +0.025% | 538 | |
9 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | $1,749 | +0.067% | 483 | |
10 | Peoples Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | $1,136 | +0.316% | 438 | |
11 | Envista Credit Union | Exceptional | Strong | Strong | Exceptional | $1,117 | +0.137% | 277 | |
12 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $532 | -0.538% | 245 | |
13 | First Bank | Exceptional | Strong | Strong | Exceptional | $1,463 | +0.078% | 232 | |
14 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,873 | -0.010% | 92 | |
15 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,540 | +0.469% | 1,496 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,343 | +0.235% | 1,051 | |
17 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $494 | +0.201% | 308 | |
18 | Mid-America Bank | Strong | Sound | Exceptional | Exceptional | $790 | +0.295% | 284 | |
19 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,853 | -0.091% | 176 | |
20 | Home Bank and Trust Company | Strong | Strong | Strong | Strong | $831 | +0.031% | 121 | |
21 | First National Bank of Omaha | Strong | Strong | Strong | Strong | $904 | +0.243% | 97 | |
22 | COMMUNITY MORTGAGE, LLC | Strong | Strong | Strong | Strong | $1,120 | +0.077% | 94 | |
23 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,259 | -0.083% | 69 | |
24 | Oakstar Bank | Strong | Strong | Strong | Strong | $748 | +0.141% | 62 | |
25 | COMMUNITYAMERICA CREDIT UNION | Strong | Sound | Strong | Exceptional | $1,311 | +0.133% | 1,025 | |
26 | NBH Bank | Strong | Sound | Strong | Exceptional | $1,079 | +0.219% | 341 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,604 | +0.413% | 232 | |
28 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,989 | +0.109% | 172 | |
29 | Central National Bank | Strong | Strong | Sound | Strong | $856 | +0.131% | 118 | |
30 | Truity Federal Credit Union | Strong | Strong | Sound | Strong | $716 | +0.051% | 109 | |
31 | UMB Bank, National Association | Strong | Strong | Sound | Strong | $526 | +0.141% | 109 | |
32 | Emprise Bank | Strong | Strong | Sound | Strong | $754 | +0.102% | 101 | |
33 | Armed Forces Bank, National Association | Strong | Strong | Sound | Strong | $1,342 | -0.082% | 81 | |
34 | RCB Bank | Strong | Strong | Sound | Strong | $1,001 | -0.398% | 67 | |
35 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,368 | +0.416% | 2,363 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,082 | +0.390% | 1,609 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,267 | +0.520% | 428 | |
38 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $2,047 | +0.411% | 409 | |
39 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,773 | -0.056% | 319 | |
40 | CREDIT UNION OF AMERICA | Strong | Sound | Sound | Exceptional | $2,215 | -0.086% | 315 | |
41 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,711 | +0.297% | 304 | |
42 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,720 | +0.526% | 265 | |
43 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,824 | +0.197% | 220 | |
44 | Commerce Bank | Strong | Sound | Sound | Exceptional | $388 | +0.239% | 216 | |
45 | The Central Trust Bank | Strong | Sound | Strong | Strong | $1,003 | +0.229% | 198 | |
46 | Members Mortgage Services, L.L.C. | Strong | Sound | Sound | Exceptional | $1,612 | +0.427% | 181 | |
47 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,112 | +0.402% | 123 | |
48 | Bank of the Flint Hills | Strong | Sound | Strong | Strong | $1,042 | +0.177% | 116 | |
49 | Stride Bank, National Association | Strong | Sound | Strong | Strong | $1,319 | +0.248% | 75 | |
50 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $817 | +0.523% | 1,040 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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