Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Wichita

Updated February 5, 2026

⚖️ 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 Lenders26

Total Loans7,011

Median Rate Spread0.32%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Capitol Federal Savings BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,220Fees	0.203%Below	163
2	Fidelity Bank, National AssociationBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,201Fees	0.280%Above	441
3	Peoples Bank and Trust CompanyBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,254Fees	0.196%Above	198
4	Intrust Bank, National AssociationBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$942Fees	0.160%Below	119
5	Home Bank and Trust CompanyBank	Exceptional	Strong	Sound	Strong	Exceptional	$835Fees	0.026%Above	105
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,140Fees	0.002%Below	52
7	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,597Fees	0.061%Below	52
8	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$494Fees	0.043%Below	45
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,154Fees	0.095%Above	45
10	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,663Fees	0.382%Above	245
11	Emprise BankBank	Strong	Strong	Sound	Sound	Strong	$758Fees	0.077%Above	76
12	Equity BankBank	Strong	Strong	Sound	Sound	Strong	$1,080Fees	0.025%Above	48
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,845Fees	0.135%Above	37
14	BOKF, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,858Fees	0.593%Above	31
15	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,276Fees	0.198%Above	30
16	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$829Fees	0.614%Above	21
17	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,651Fees	0.317%Above	82
18	Commerce BankBank	Strong	Sound	Strong	Sound	Strong	$429Fees	0.169%Above	49
19	RCB BankBank	Strong	Strong	Sound	Sound	Sound	$960Fees	0.433%Below	27
20	SOFI BANK, NATIONAL ASSOCIATIONBank	Strong	Strong	Strong	Acceptable	Sound	$481Fees	0.284%Above	15
21	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,918Fees	0.473%Above	35
22	Arvest BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,269Fees	0.168%Above	22
23	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,122Fees	0.309%Below	50
24	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Sound	$1,847Fees	0.095%Above	30
25	Community National Bank & TrustBank	Sound	Acceptable	Sound	Sound	Strong	$1,188Fees	0.524%Above	42
26	Simmons BankBank	Sound	Acceptable	Strong	Sound	Sound	$1,545Fees	0.552%Above	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)

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.