# Bank of the Flint Hills

> **Canonical URL:** https://saferate.com/lenders/bank-of-the-flint-hills


> **📋 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


Bank of the Flint Hills is a bank, headquartered in Wamego, KS, serving borrowers across 2 states, with 117 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 48% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493002HI2PDK2BQF091
- **Headquarters:** Wamego, KS
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KS, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.2%
- **Brokered/Wholesale:** 0.8%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.177%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,081
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 117
- **Dollar Volume:** $28 million
- **Applications Received:** 132
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $243,462
- **Average Borrower Income:** $206,863
- **Average Property Value:** $358,932

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 116 | +0.177% | $1,042 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 72 loans, Score: 53/100 (Sound)
- Refinance: 44 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 73 | $15M | +0.166% | Sound ☺️ |
| Refinance | 63/100 | 44 | $13M | +0.194% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 116 | 0.39% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Manhattan, KS | KS | 77 | 90/100 |
| Topeka, KS | KS | 28 | 64/100 |

## Where This Lender Ranks

Bank of the Flint Hills appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Manhattan, KS Banks
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/banks)
- 🏆 **#4** in Manhattan, KS
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders)
- 🏆 **#5** in Manhattan, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Topeka, KS Banks
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks)
- 🏆 **#7** in Manhattan, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Topeka, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Topeka, KS
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders)
- 🏆 **#13** in Topeka, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Bank of the Flint Hills offer?

Bank of the Flint Hills offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Bank of the Flint Hills offer mortgages?

Bank of the Flint Hills offers mortgages in 2 states: KS, TX.

### How competitive are Bank of the Flint Hills's mortgage rates?

Bank of the Flint Hills has a pricing score of 52/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.177% above market average.

### What type of lender is Bank of the Flint Hills?

Bank of the Flint Hills is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Wamego, KS.

### What is Bank of the Flint Hills's loan approval success rate?

Bank of the Flint Hills has a pull-through score of 61/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bank-of-the-flint-hills

### How to Cite

> "Bank of the Flint Hills Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bank-of-the-flint-hills

---

**[View Interactive Profile →](https://saferate.com/lenders/bank-of-the-flint-hills)**