Safe Rate Rankings

Best Conventional Mortgage Credit Union Lenders in Kansas

Updated May 27, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders179

Total Loans29,343

Median Rate Spread0.35%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$532Fees	0.538%Below	245
2	MERITRUST Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,341Fees	0.025%Above	538
3	Envista Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,117Fees	0.137%Above	277
4	COMMUNITYAMERICA CREDIT UNIONCredit Union	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,311Fees	0.133%Above	1,025
5	Truity Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Strong	$716Fees	0.051%Above	109
6	GOLDEN PLAINS CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Mediocre	Exceptional	$630Fees	0.022%Below	215
7	CREDIT UNION OF AMERICACredit Union	Strong	Sound	Strong	Sound	Exceptional	$2,215Fees	0.086%Below	315
8	Wichita Federal Credit UnionCredit Union	Strong	Strong	Sound	Sound	Strong	$689Fees	0.015%Below	81
9	Azura Credit UnionCredit Union	Strong	Sound	Sound	Sound	Strong	$535Fees	0.583%Above	118
10	MAINSTREET FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Acceptable	Acceptable	Strong	$1,076Fees	0.039%Below	71
11	PENTAGON FEDERAL CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Sound	Strong	$2,555Fees	0.051%Below	131
12	HEARTLAND CREDIT UNIONCredit Union	Sound	Acceptable	Sound	Acceptable	Exceptional	$1,619Fees	0.587%Above	231

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.