# CoreFirst Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/corefirst-bank-trust


> **📋 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


CoreFirst Bank & Trust is a bank, headquartered in Topeka, KS, serving borrowers across 3 states, with 51 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 19% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 63% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493009SXBJ8LKIU7Q54
- **Headquarters:** Topeka, KS
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** CO, KS, MO
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.296%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $674
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 51
- **Dollar Volume:** $10 million
- **Applications Received:** 74
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $190,490
- **Average Borrower Income:** $110,137
- **Average Property Value:** $283,039

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 51 | +0.296% | $674 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 32 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 32 | $6M | +0.351% | Acceptable 🙂 |
| Refinance | 46/100 | 19 | $3M | +0.203% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 48 | 0.16% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Topeka, KS | KS | 44 | 74/100 |

## Where This Lender Ranks

CoreFirst Bank & Trust appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Topeka, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Topeka, KS Banks
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks)
- 🏆 **#8** in Topeka, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Topeka, KS
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does CoreFirst Bank & Trust offer?

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

### Where does CoreFirst Bank & Trust offer mortgages?

CoreFirst Bank & Trust offers mortgages in 3 states: CO, KS, MO.

### How competitive are CoreFirst Bank & Trust's mortgage rates?

CoreFirst Bank & Trust has a pricing score of 81/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.296% above market average.

### What type of lender is CoreFirst Bank & Trust?

CoreFirst Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Topeka, KS.

### What is CoreFirst Bank & Trust's loan approval success rate?

CoreFirst Bank & Trust has a pull-through score of 37/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/corefirst-bank-trust

### How to Cite

> "CoreFirst Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/corefirst-bank-trust

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