Safe Rate Rankings

Best Conventional Mortgage Lenders in Lawrence

Updated May 22, 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 Lenders23

Total Loans815

Median Rate Spread0.22%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Mid-America BankBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$743Fees	0.301%Above	137
2	Capitol Federal Savings BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$1,160Fees	0.181%Below	45
3	Truity Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$732Fees	0.058%Above	84
4	Landmark National BankBank	Exceptional	Strong	Strong	Strong	Strong	$997Fees	0.067%Above	24
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$287Fees	0.206%Above	14
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,853Fees	0.257%Above	100
7	Envista Credit UnionCredit Union	Strong	Strong	Strong	Strong	Sound	$1,850Fees	0.031%Below	12
8	First State Bank of St. Charles, MissouriBank	Strong	Strong	Strong	Strong	Sound	$1,576Fees	0.044%Above	12
9	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$1,012Fees	0.342%Above	11
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,566Fees	0.398%Above	116
11	COMMUNITYAMERICA CREDIT UNIONCredit Union	Strong	Sound	Exceptional	Strong	Sound	$1,639Fees	0.221%Above	23
12	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,144Fees	0.291%Above	42
13	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,603Fees	0.365%Above	35
14	NBH BankBank	Strong	Sound	Strong	Sound	Strong	$1,537Fees	0.086%Above	29
15	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,477Fees	0.284%Above	26
16	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,414Fees	0.504%Above	17
17	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,980Fees	0.352%Above	13
18	Commerce BankBank	Strong	Sound	Strong	Sound	Sound	$626Fees	0.126%Above	10
19	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Sound	$2,404Fees	0.167%Above	16
20	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,730Fees	0.605%Above	11

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.