Safe Rate Rankings

Best Conventional Mortgage Lenders in Wichita

Updated June 4, 2026

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!

⚖️ 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.

Market

Total Lenders84

Total Loans7,011

Median Rate Spread0.32%

Wichita Market Insights

Flat Branch Mortgage is Safe Rate's top-ranked Conventional lender in Wichita, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Wichita, Navy Federal Credit Union and Capitol Federal Savings Bank scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #6 in Wichita, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Wichita: Rocket Mortgage (#4) and Meritrust Federal Credit Union (#3).

Explore Rankings by Type

Overall Rankings

All lenders in Wichita

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,039Fees	0.386%Above	425
2	Capitol Federal Savings Bank BankDirect	Strong	Exceptional	Strong	Strong	Exceptional	$1,220Fees	0.203%Below	163
3	MERITRUST Federal Credit Union Credit UnionDirect	Strong	Strong	Strong	Strong	Exceptional	$1,358Fees	0.023%Above	486
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,576Fees	0.400%Above	520
5	Fidelity Bank, National Association BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,201Fees	0.280%Above	441
6	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,811Fees	0.136%Above	169
7	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$597Fees	0.501%Below	64
8	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,140Fees	0.002%Below	52
9	Peoples Bank and Trust Company BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,254Fees	0.196%Above	198
10	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,597Fees	0.061%Below	52
11	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$3,372Fees	0.398%Above	386
12	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,204Fees	0.675%Above	115
13	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Sound	$494Fees	0.043%Below	45
14	Gateway First Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,663Fees	0.382%Above	245
15	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,722Fees	0.552%Above	202
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,156Fees	0.430%Above	157
17	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$1,845Fees	0.135%Above	37
18	Intrust Bank, National Association BankDirect	Strong	Exceptional	Sound	Sound	Exceptional	$942Fees	0.160%Below	119
19	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,593Fees	0.672%Above	72
20	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$2,154Fees	0.095%Above	45
21	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$1,024Fees	0.102%Below	17
22	CREDIT UNION OF AMERICA Credit UnionDirect	Strong	Sound	Strong	Sound	Exceptional	$2,244Fees	0.098%Below	265
23	Home Bank and Trust Company BankDirect	Strong	Strong	Sound	Strong	Exceptional	$835Fees	0.026%Above	105
24	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,651Fees	0.317%Above	82
25	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,717Fees	0.076%Below	144
26	REGENT FINANCIAL GROUP, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$1,961Fees	0.528%Above	116
27	The Central Trust Bank BankDirect	Strong	Sound	Exceptional	Strong	Sound	$2,276Fees	0.198%Above	30
28	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Strong	Strong	$2,029Fees	0.513%Above	130
29	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$1,994Fees	0.423%Above	36
30	BOKF, National Association BankDirect	Strong	Sound	Exceptional	Strong	Sound	$1,858Fees	0.593%Above	31
31	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,523Fees	0.593%Above	22
32	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,158Fees	0.452%Above	48
33	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,918Fees	0.473%Above	35
34	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$662Fees	0.263%Above	24
35	Emprise Bank BankDirect	Strong	Strong	Sound	Sound	Strong	$758Fees	0.077%Above	76
36	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Sound	$2,119Fees	0.336%Above	51
37	Arvest Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Sound	$1,269Fees	0.168%Above	22
38	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Exceptional	$438Fees	0.590%Above	257
39	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$2,278Fees	0.743%Above	53
40	Commerce Bank BankDirect	Sound	Sound	Strong	Sound	Strong	$429Fees	0.169%Above	49
41	RCB Bank BankDirect	Sound	Strong	Sound	Sound	Sound	$960Fees	0.433%Below	27
42	BMO Bank National Association BankDirect	Sound	Strong	Strong	Sound	Sound	$829Fees	0.614%Above	21
43	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Strong	$2,706Fees	0.279%Above	84
44	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$2,728Fees	0.383%Above	56
45	Sunflower Bank, National Association BankDirect	Sound	Acceptable	Strong	Strong	Sound	$1,847Fees	0.095%Above	30
46	Wichita Federal Credit Union Credit UnionDirect	Sound	Strong	Sound	Sound	Strong	$691Fees	0.002%Above	74
47	LEADERONE FINANCIAL CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$3,558Fees	0.465%Above	42
48	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$2,021Fees	0.955%Above	28
49	PENTAGON FEDERAL CREDIT UNION Credit UnionDirect	Sound	Acceptable	Strong	Sound	Strong	$2,499Fees	0.025%Below	114
50	Equity Bank BankDirect	Sound	Strong	Sound	Sound	Strong	$1,080Fees	0.025%Above	48

❓ Frequently Asked Questions

How are mortgage lenders ranked in Wichita, KS?+

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 Wichita, KS), 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.

What is the Safe Rate Score?+

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.

How many mortgage lenders are active in Wichita, KS?+

Based on 2024 HMDA data, 84 lenders originated a combined 7,011 loans in Wichita, KS. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Wichita, KS?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Wichita, KS is 0.32%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

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.

Does Safe Rate accept payment from lenders to appear in 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.

What is the difference between a bank, credit union, and independent mortgage company?+

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 Wichita, KS's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.

⚖️ 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.