# Best Conventional Mortgage Lenders in Lawrence, KS

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

Compare the top Conventional mortgage lenders in Lawrence, KS. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Mid-America Bank | 89 | 61 | 90 | 137 | Bank |
| 2 | Truity Federal Credit Union | 85 | 78 | 75 | 84 | Credit Union |
| 3 | Capitol Federal Savings Bank | 85 | 88 | 71 | 45 | Bank |
| 4 | Landmark National Bank | 80 | 67 | 79 | 24 | Bank |
| 5 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 100 | Independent Mortgage Company |
| 6 | U.S. Bank National Association | 79 | 75 | 69 | 14 | Bank |
| 7 | FLAT BRANCH MORTGAGE, INC. | 77 | 59 | 84 | 11 | Independent Mortgage Company |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 116 | Independent Mortgage Company |
| 9 | Envista Credit Union | 74 | 77 | 73 | 12 | Credit Union |
| 10 | First State Bank of St. Charles, Missouri | 74 | 66 | 79 | 12 | Bank |
| 11 | COMMUNITYAMERICA CREDIT UNION | 73 | 57 | 71 | 23 | Credit Union |
| 12 | Bell Bank | 71 | 36 | 80 | 42 | Bank |
| 13 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 35 | Independent Mortgage Company |
| 14 | UNITED WHOLESALE MORTGAGE, LLC | 70 | 36 | 86 | 26 | Independent Mortgage Company |
| 15 | NBH Bank | 69 | 51 | 55 | 29 | Bank |
| 16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 26 | 76 | 17 | Independent Mortgage Company |
| 17 | Flagstar Bank, N.A. | 66 | 34 | 72 | 13 | Bank |
| 18 | Commerce Bank | 64 | 54 | 49 | 10 | Bank |
| 19 | Sunflower Bank, National Association | 63 | 38 | 64 | 16 | Bank |
| 20 | NEWREZ LLC | 62 | 31 | 58 | 11 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.