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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 Conventional Mortgage Bank Lenders in Kansas
Updated February 6, 2026
Market Overview
41
Total Lenders
29,343
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Capitol Federal Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,287 | -0.202% | 726 | |
2 | Exchange Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,263 | -0.263% | 181 | |
3 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Exceptional | $261 | -0.085% | 378 | |
4 | Mid-America Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $790 | +0.295% | 284 | |
5 | Fidelity Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,165 | +0.322% | 548 | |
6 | Landmark National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $999 | +0.061% | 502 | |
7 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Strong | Exceptional | $1,749 | +0.067% | 483 | |
8 | Peoples Bank and Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,136 | +0.316% | 438 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $494 | +0.201% | 308 | |
10 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,463 | +0.078% | 232 | |
11 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,853 | -0.091% | 176 | |
12 | Intrust Bank, National Association | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,001 | -0.160% | 138 | |
13 | Central National Bank | Exceptional | Exceptional | Sound | Strong | Strong | $856 | +0.131% | 118 | |
14 | First National Bank of Omaha | Exceptional | Strong | Exceptional | Strong | Strong | $904 | +0.243% | 97 | |
15 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,989 | +0.109% | 172 | |
16 | Oakstar Bank | Exceptional | Strong | Strong | Strong | Strong | $748 | +0.141% | 62 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,824 | +0.197% | 220 | |
18 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,003 | +0.229% | 198 | |
19 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,703 | +0.431% | 146 | |
20 | Home Bank and Trust Company | Strong | Strong | Sound | Strong | Strong | $831 | +0.031% | 121 | |
21 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $1,873 | -0.010% | 92 | |
22 | Farmers Bank & Trust | Strong | Exceptional | Sound | Acceptable | Strong | $660 | -0.014% | 67 | |
23 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,353 | +0.218% | 389 | |
24 | NBH Bank | Strong | Sound | Strong | Sound | Exceptional | $1,079 | +0.219% | 341 | |
25 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,668 | +0.418% | 331 | |
26 | Commerce Bank | Strong | Sound | Strong | Sound | Exceptional | $388 | +0.239% | 216 | |
27 | Bank of the Flint Hills | Strong | Sound | Sound | Exceptional | Strong | $1,042 | +0.177% | 116 | |
28 | UMB Bank, National Association | Strong | Strong | Sound | Sound | Strong | $526 | +0.141% | 109 | |
29 | Emprise Bank | Strong | Strong | Sound | Sound | Strong | $754 | +0.102% | 101 | |
30 | Equity Bank | Strong | Strong | Sound | Sound | Strong | $1,093 | +0.156% | 85 | |
31 | Stride Bank, National Association | Strong | Sound | Strong | Strong | Strong | $1,319 | +0.248% | 75 | |
32 | RCB Bank | Strong | Strong | Sound | Sound | Strong | $1,001 | -0.398% | 67 | |
33 | BMO Bank National Association | Strong | Strong | Strong | Sound | Sound | $1,121 | +0.474% | 67 | |
34 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,600 | +0.309% | 297 | |
35 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,075 | +0.247% | 278 | |
36 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,108 | +0.607% | 97 | |
37 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,491 | -0.128% | 218 | |
38 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Strong | $1,893 | +0.169% | 169 | |
39 | Armed Forces Bank, National Association | Strong | Sound | Sound | Sound | Strong | $1,342 | -0.082% | 81 | |
40 | Community National Bank & Trust | Strong | Acceptable | Sound | Sound | Exceptional | $1,395 | +0.636% | 196 | |
41 | Academy Bank, National Association | Strong | Sound | Sound | Acceptable | Strong | $1,131 | +0.245% | 104 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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