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Bank of the Flint Hills

BankWamego, KSDirect to Consumer

Bank of the Flint Hills has 117 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Sound
Conventional
Place
Strong
Regional · 2 mkts
Safe Rate AwardsConventional SuperstarRefinance Superstar

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance

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Report Card

Bank of the Flint Hills performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+17.7 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Sound
Sound
Exceptional
11699.1%
+0.177%Above
$1,042Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Strong
7362.4%
+0.166%Above
$1,087Fees
Refinance
Strong
Strong
Sound
Exceptional
4437.6%
+0.194%Above
$1,071Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
117
Applications
132
Volume
$28 million
Pricing & Closing
Avg Rate Spread
+0.177%
vs. market APOR
Avg Net Fees
$1,081
Origination − Credits
Pullthrough Rate
88.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$243,462
Avg Borrower Income
$206,863
Avg Property Value
$358,932

Geographic Coverage

Geographic Performance

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%of portfolio
Place
Exceptional
2
Topeka, KS, KSMSA
Volume: 28Mix: 23.93%of portfolio
Place
Strong

Top States by Place Specialization Score

1
KSState
Volume: 116Mix: 99.15%of portfolio
Place
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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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.