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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 Conventional Mortgage Bank Lenders in Wichita
Updated February 5, 2026
Market Overview
26
Total Lenders
7,011
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Capitol Federal Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,220 | -0.203% | 163 | |
2 | Fidelity Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,201 | +0.280% | 441 | |
3 | Peoples Bank and Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,254 | +0.196% | 198 | |
4 | Intrust Bank, National Association | Exceptional | Exceptional | Sound | Sound | Exceptional | $942 | -0.160% | 119 | |
5 | Home Bank and Trust Company | Exceptional | Strong | Sound | Strong | Exceptional | $835 | +0.026% | 105 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,140 | -0.002% | 52 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,597 | -0.061% | 52 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $494 | -0.043% | 45 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,154 | +0.095% | 45 | |
10 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,663 | +0.382% | 245 | |
11 | Emprise Bank | Strong | Strong | Sound | Sound | Strong | $758 | +0.077% | 76 | |
12 | Equity Bank | Strong | Strong | Sound | Sound | Strong | $1,080 | +0.025% | 48 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,845 | +0.135% | 37 | |
14 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,858 | +0.593% | 31 | |
15 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Sound | $2,276 | +0.198% | 30 | |
16 | BMO Bank National Association | Strong | Strong | Strong | Sound | Sound | $829 | +0.614% | 21 | |
17 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,651 | +0.317% | 82 | |
18 | Commerce Bank | Strong | Sound | Strong | Sound | Strong | $429 | +0.169% | 49 | |
19 | RCB Bank | Strong | Strong | Sound | Sound | Sound | $960 | -0.433% | 27 | |
20 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Strong | Acceptable | Sound | $481 | +0.284% | 15 | |
21 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,918 | +0.473% | 35 | |
22 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,269 | +0.168% | 22 | |
23 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,122 | -0.309% | 50 | |
24 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Sound | $1,847 | +0.095% | 30 | |
25 | Community National Bank & Trust | Sound | Acceptable | Sound | Sound | Strong | $1,188 | +0.524% | 42 | |
26 | Simmons Bank | Sound | Acceptable | Strong | Sound | Sound | $1,545 | +0.552% | 17 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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Wichita, KSConventional
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