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Bank of the Flint Hills
Bank|Wamego, KS|Regional
Loans Originated
117
Applications
132
Volume
$28 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.177%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,081
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
88.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
Bank of the Flint Hills performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 2 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$243,462
Average Borrower Income
$206,863
Average Property Value
$358,932
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Sound | Exceptional | 116 | 99.1% | +0.177% | $1,042 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Strong | 73 | 62.4% | +0.166% | $1,087 |
Refinance | Strong | Strong | Sound | Exceptional | 44 | 37.6% | +0.194% | $1,071 |
Geographic Coverage
Metro Areas
2
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
KSTX
Top Metro Areas by Place Specialization Score
1
Manhattan, KS, KSMSA
Volume: 77Mix: 65.81%
Place Specialization
Exceptional
2
Topeka, KS, KSMSA
Volume: 28Mix: 23.93%
Place Specialization
Strong
Top States by Place Specialization Score
1
KSState
Volume: 116Mix: 99.15%
Place Specialization
Strong
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
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.
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