Safe Rate Rankings
Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!
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Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.
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Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Capitol Federal Savings Bank BankDirect | Exceptional | Exceptional | Strong | Exceptional | $1,287Fees | 0.202%Below | 726 | |
2 | Exchange Bank BankDirect | Exceptional | Exceptional | Exceptional | Exceptional | $1,263Fees | 0.263%Below | 181 | |
3 | Landmark National Bank BankDirect | Exceptional | Strong | Exceptional | Exceptional | $999Fees | 0.061%Above | 502 | |
4 | FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect | Exceptional | Sound | Exceptional | Exceptional | $1,540Fees | 0.469%Above | 1,496 | |
5 | Envista Credit Union Credit UnionDirect | Exceptional | Strong | Strong | Exceptional | $1,117Fees | 0.137%Above | 277 | |
6 | MERITRUST Federal Credit Union Credit UnionDirect | Strong | Strong | Strong | Exceptional | $1,341Fees | 0.025%Above | 538 | |
7 | NBKC BANK BankDirect | Strong | Exceptional | Sound | Exceptional | $261Fees | 0.085%Below | 378 | |
8 | COMMUNITYAMERICA CREDIT UNION Credit UnionDirect | Strong | Sound | Strong | Exceptional | $1,311Fees | 0.133%Above | 1,025 | |
9 | Peoples Bank and Trust Company BankDirect | Strong | Strong | Strong | Exceptional | $1,136Fees | 0.316%Above | 438 | |
10 | Mid-America Bank BankDirect | Strong | Sound | Exceptional | Exceptional | $790Fees | 0.295%Above | 284 | |
11 | Intrust Bank, National Association BankDirect | Strong | Exceptional | Strong | Exceptional | $1,001Fees | 0.160%Below | 138 | |
12 | First State Bank of St. Charles, Missouri BankDirect | Strong | Strong | Strong | Exceptional | $1,749Fees | 0.067%Above | 483 | |
13 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $532Fees | 0.538%Below | 245 | |
14 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,368Fees | 0.416%Above | 2,363 | |
15 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $2,343Fees | 0.235%Above | 1,051 | |
16 | Fidelity Bank, National Association BankDirect | Strong | Strong | Strong | Exceptional | $1,165Fees | 0.322%Above | 548 | |
17 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | Strong | $494Fees | 0.201%Above | 308 | |
18 | GOLDEN PLAINS CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Exceptional | $630Fees | 0.022%Below | 215 | |
19 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Strong | $1,853Fees | 0.091%Below | 176 | |
20 | Home Bank and Trust Company BankDirect | Strong | Strong | Strong | Strong | $831Fees | 0.031%Above | 121 | |
21 | COMMUNITY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Strong | Strong | Strong | $1,120Fees | 0.077%Above | 94 | |
22 | First Bank BankDirect | Strong | Strong | Strong | Exceptional | $1,463Fees | 0.078%Above | 232 | |
23 | Central National Bank BankDirect | Strong | Strong | Sound | Strong | $856Fees | 0.131%Above | 118 | |
24 | Truity Federal Credit Union Credit UnionDirect | Strong | Strong | Sound | Strong | $716Fees | 0.051%Above | 109 | |
25 | Oakstar Bank BankDirect | Strong | Strong | Strong | Strong | $748Fees | 0.141%Above | 62 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,082Fees | 0.390%Above | 1,609 | |
27 | NBH Bank BankDirect | Strong | Sound | Strong | Exceptional | $1,079Fees | 0.219%Above | 341 | |
28 | UMB Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $526Fees | 0.141%Above | 109 | |
29 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $1,604Fees | 0.413%Above | 232 | |
30 | RCB Bank BankDirect | Strong | Strong | Sound | Strong | $1,001Fees | 0.398%Below | 67 | |
31 | Emprise Bank BankDirect | Strong | Strong | Sound | Strong | $754Fees | 0.102%Above | 101 | |
32 | First National Bank of Omaha BankDirect | Strong | Strong | Strong | Strong | $904Fees | 0.243%Above | 97 | |
33 | Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Strong | Exceptional | $3,314Fees | 0.410%Above | 464 | |
34 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,711Fees | 0.297%Above | 304 | |
35 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,720Fees | 0.526%Above | 265 | |
36 | The Central Trust Bank BankDirect | Strong | Sound | Strong | Strong | $1,003Fees | 0.229%Above | 198 | |
37 | Stride Bank, National Association BankDirect | Strong | Sound | Strong | Strong | $1,319Fees | 0.248%Above | 75 | |
38 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | Sound | $1,259Fees | 0.083%Below | 69 | |
39 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $817Fees | 0.523%Above | 1,040 | |
40 | Arvest Bank BankDirect | Strong | Acceptable | Strong | Exceptional | $1,353Fees | 0.218%Above | 389 | |
41 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,773Fees | 0.056%Below | 319 | |
42 | CREDIT UNION OF AMERICA Credit UnionDirect | Strong | Sound | Sound | Exceptional | $2,215Fees | 0.086%Below | 315 | |
43 | Bell Bank BankDirect | Strong | Acceptable | Exceptional | Strong | $2,075Fees | 0.247%Above | 278 | |
44 | PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | $1,926Fees | 0.482%Above | 178 | |
45 | First Federal Bank BankDirect | Strong | Exceptional | Sound | Strong | $1,873Fees | 0.010%Below | 92 | |
46 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,047Fees | 0.411%Above | 409 | |
47 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Acceptable* | Strong | Strong | $1,600Fees | 0.309%Above | 297 | |
48 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,824Fees | 0.197%Above | 220 | |
49 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $1,989Fees | 0.109%Above | 172 | |
50 | Bank of the Flint Hills BankDirect | Strong | Sound | Strong | Strong | $1,042Fees | 0.177%Above | 116 |
Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Kansas), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.
The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.
Based on 2024 HMDA data, 179 lenders originated a combined 29,343 loans in Kansas. Safe Rate's rankings evaluate all of them — not just a curated shortlist.
Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Kansas is 0.35%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.
HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.
No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.
Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Kansas's rankings, all three institution types are evaluated on the same HMDA performance metrics.
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.