🛡️
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 Bank Mortgage Lenders in Kansas
Updated February 6, 2026
Market Overview
41
Total Lenders
9,642
Total Loans
0.18%
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 | Fidelity Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,165 | +0.322% | 548 | |
7 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | $1,749 | +0.067% | 483 | |
8 | Peoples Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | $1,136 | +0.316% | 438 | |
9 | First Bank | Exceptional | Strong | Strong | Exceptional | $1,463 | +0.078% | 232 | |
10 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,873 | -0.010% | 92 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $494 | +0.201% | 308 | |
12 | Mid-America Bank | Strong | Sound | Exceptional | Exceptional | $790 | +0.295% | 284 | |
13 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,853 | -0.091% | 176 | |
14 | Home Bank and Trust Company | Strong | Strong | Strong | Strong | $831 | +0.031% | 121 | |
15 | First National Bank of Omaha | Strong | Strong | Strong | Strong | $904 | +0.243% | 97 | |
16 | Farmers Bank & Trust | Strong | Exceptional | Acceptable | Strong | $660 | -0.014% | 67 | |
17 | Oakstar Bank | Strong | Strong | Strong | Strong | $748 | +0.141% | 62 | |
18 | NBH Bank | Strong | Sound | Strong | Exceptional | $1,079 | +0.219% | 341 | |
19 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,989 | +0.109% | 172 | |
20 | Central National Bank | Strong | Strong | Sound | Strong | $856 | +0.131% | 118 | |
21 | UMB Bank, National Association | Strong | Strong | Sound | Strong | $526 | +0.141% | 109 | |
22 | Emprise Bank | Strong | Strong | Sound | Strong | $754 | +0.102% | 101 | |
23 | Armed Forces Bank, National Association | Strong | Strong | Sound | Strong | $1,342 | -0.082% | 81 | |
24 | RCB Bank | Strong | Strong | Sound | Strong | $1,001 | -0.398% | 67 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,824 | +0.197% | 220 | |
26 | Commerce Bank | Strong | Sound | Sound | Exceptional | $388 | +0.239% | 216 | |
27 | The Central Trust Bank | Strong | Sound | Strong | Strong | $1,003 | +0.229% | 198 | |
28 | Bank of the Flint Hills | Strong | Sound | Strong | Strong | $1,042 | +0.177% | 116 | |
29 | Equity Bank | Strong | Strong | Acceptable | Strong | $1,093 | +0.156% | 85 | |
30 | Stride Bank, National Association | Strong | Sound | Strong | Strong | $1,319 | +0.248% | 75 | |
31 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,353 | +0.218% | 389 | |
32 | Gateway First Bank | Strong | Acceptable | Strong | Exceptional | $1,668 | +0.418% | 331 | |
33 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $2,075 | +0.247% | 278 | |
34 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,491 | -0.128% | 218 | |
35 | Academy Bank, National Association | Strong | Sound | Sound | Strong | $1,131 | +0.245% | 104 | |
36 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,600 | +0.309% | 297 | |
37 | Community National Bank & Trust | Strong | Acceptable | Sound | Exceptional | $1,395 | +0.636% | 196 | |
38 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | $1,893 | +0.169% | 169 | |
39 | BOKF, National Association | Strong | Acceptable | Strong | Strong | $1,703 | +0.431% | 146 | |
40 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $2,108 | +0.607% | 97 | |
41 | BMO Bank National Association | Strong | Sound | Sound | Sound | $1,121 | +0.474% | 67 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Kansas
No credit impact
3-minute process
100% free