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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Bank Mortgage Lenders in Wichita
Updated February 5, 2026
Market Overview
24
Total Lenders
2,100
Total Loans
0.14%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Capitol Federal Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,220 | -0.203% | 163 | |
2 | Intrust Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $942 | -0.160% | 119 | |
3 | Fidelity Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,201 | +0.280% | 441 | |
4 | Peoples Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | $1,254 | +0.196% | 198 | |
5 | Home Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | $835 | +0.026% | 105 | |
6 | NBKC BANK | Strong | Exceptional | Sound | Sound | $494 | -0.043% | 45 | |
7 | Emprise Bank | Strong | Strong | Sound | Strong | $758 | +0.077% | 76 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,140 | -0.002% | 52 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,597 | -0.061% | 52 | |
10 | Equity Bank | Strong | Strong | Acceptable | Strong | $1,080 | +0.025% | 48 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,154 | +0.095% | 45 | |
12 | RCB Bank | Strong | Strong | Sound | Sound | $960 | -0.433% | 27 | |
13 | Gateway First Bank | Strong | Acceptable | Strong | Exceptional | $1,663 | +0.382% | 245 | |
14 | Commerce Bank | Strong | Sound | Sound | Strong | $429 | +0.169% | 49 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,845 | +0.135% | 37 | |
16 | The Central Trust Bank | Strong | Sound | Strong | Sound | $2,276 | +0.198% | 30 | |
17 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,651 | +0.317% | 82 | |
18 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,122 | -0.309% | 50 | |
19 | BMO Bank National Association | Strong | Sound | Sound | Sound | $829 | +0.614% | 21 | |
20 | Community National Bank & Trust | Sound | Acceptable | Sound | Strong | $1,188 | +0.524% | 42 | |
21 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $1,918 | +0.473% | 35 | |
22 | BOKF, National Association | Sound | Acceptable | Strong | Sound | $1,858 | +0.593% | 31 | |
23 | Sunflower Bank, National Association | Sound | Acceptable | Strong | Sound | $1,847 | +0.095% | 30 | |
24 | Arvest Bank | Sound | Acceptable | Strong | Sound | $1,269 | +0.168% | 22 |
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
Place
Local market expertise (33%)
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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