🛡️
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 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 | 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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $532 | -0.538% | 245 | |
6 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,540 | +0.469% | 1,496 | |
7 | Fidelity Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,165 | +0.322% | 548 | |
8 | MERITRUST Federal Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,341 | +0.025% | 538 | |
9 | Landmark National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $999 | +0.061% | 502 | |
10 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Strong | Exceptional | $1,749 | +0.067% | 483 | |
11 | Peoples Bank and Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,136 | +0.316% | 438 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $494 | +0.201% | 308 | |
13 | Envista Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,117 | +0.137% | 277 | |
14 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,463 | +0.078% | 232 | |
15 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,853 | -0.091% | 176 | |
16 | Intrust Bank, National Association | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,001 | -0.160% | 138 | |
17 | Central National Bank | Exceptional | Exceptional | Sound | Strong | Strong | $856 | +0.131% | 118 | |
18 | First National Bank of Omaha | Exceptional | Strong | Exceptional | Strong | Strong | $904 | +0.243% | 97 | |
19 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,259 | -0.083% | 69 | |
20 | COMMUNITYAMERICA CREDIT UNION | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,311 | +0.133% | 1,025 | |
21 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,989 | +0.109% | 172 | |
22 | Truity Federal Credit Union | Exceptional | Strong | Strong | Strong | Strong | $716 | +0.051% | 109 | |
23 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,120 | +0.077% | 94 | |
24 | Oakstar Bank | Exceptional | Strong | Strong | Strong | Strong | $748 | +0.141% | 62 | |
25 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,368 | +0.416% | 2,363 | |
26 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,343 | +0.235% | 1,051 | |
27 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,720 | +0.526% | 265 | |
28 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,604 | +0.413% | 232 | |
29 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,824 | +0.197% | 220 | |
30 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,003 | +0.229% | 198 | |
31 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,703 | +0.431% | 146 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,394 | +0.192% | 125 | |
33 | Home Bank and Trust Company | Strong | Strong | Sound | Strong | Strong | $831 | +0.031% | 121 | |
34 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $1,873 | -0.010% | 92 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,082 | +0.390% | 1,609 | |
36 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,314 | +0.410% | 464 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,267 | +0.520% | 428 | |
38 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,047 | +0.411% | 409 | |
39 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,353 | +0.218% | 389 | |
40 | NBH Bank | Strong | Sound | Strong | Sound | Exceptional | $1,079 | +0.219% | 341 | |
41 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,668 | +0.418% | 331 | |
42 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,773 | -0.056% | 319 | |
43 | CREDIT UNION OF AMERICA | Strong | Sound | Strong | Sound | Exceptional | $2,215 | -0.086% | 315 | |
44 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,188 | +0.562% | 295 | |
45 | Commerce Bank | Strong | Sound | Strong | Sound | Exceptional | $388 | +0.239% | 216 | |
46 | Bank of the Flint Hills | Strong | Sound | Sound | Exceptional | Strong | $1,042 | +0.177% | 116 | |
47 | Stride Bank, National Association | Strong | Sound | Strong | Strong | Strong | $1,319 | +0.248% | 75 | |
48 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,583 | +0.378% | 336 | |
49 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,600 | +0.309% | 297 | |
50 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,932 | +0.318% | 282 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
KansasConventional
No credit impact
3-minute process
100% free