# Best Mortgage Lenders in Lawrence, KS

**As of:** 2026-05-22

Compare the top mortgage lenders in Lawrence, KS. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/lawrence-ks/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 23
- **Total Loans:** 815
- **Median Rate Spread:** 0.22377272727272726%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Capitol Federal Savings Bank | 86 | 87 | 72 | 45 | Bank |
| 2 | Landmark National Bank | 86 | 66 | 82 | 24 | Bank |
| 3 | Mid-America Bank | 84 | 60 | 81 | 137 | Bank |
| 4 | Truity Federal Credit Union | 78 | 77 | 58 | 84 | Credit Union |
| 5 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 116 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 100 | Independent Mortgage Company |
| 7 | NBH Bank | 73 | 57 | 62 | 29 | Bank |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 71 | 41 | 93 | 26 | Independent Mortgage Company |
| 9 | Bell Bank | 68 | 35 | 82 | 42 | Bank |
| 10 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 35 | Independent Mortgage Company |
| 11 | COMMUNITYAMERICA CREDIT UNION | 66 | 58 | 73 | 23 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Lawrence, KS.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.