Safe Rate Rankings

Best Conventional Mortgage 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 Lenders84

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	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$597Fees	0.501%Below	64
3	MERITRUST Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,358Fees	0.023%Above	486
4	Fidelity Bank, National AssociationBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,201Fees	0.280%Above	441
5	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,039Fees	0.386%Above	425
6	Peoples Bank and Trust CompanyBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,254Fees	0.196%Above	198
7	Intrust Bank, National AssociationBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$942Fees	0.160%Below	119
8	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,024Fees	0.102%Below	17
9	Home Bank and Trust CompanyBank	Exceptional	Strong	Sound	Strong	Exceptional	$835Fees	0.026%Above	105
10	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,140Fees	0.002%Below	52
11	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,597Fees	0.061%Below	52
12	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$494Fees	0.043%Below	45
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,576Fees	0.400%Above	520
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,204Fees	0.675%Above	115
15	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,593Fees	0.672%Above	72
16	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,154Fees	0.095%Above	45
17	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,372Fees	0.398%Above	386
18	CREDIT UNION OF AMERICACredit Union	Strong	Sound	Strong	Sound	Exceptional	$2,244Fees	0.098%Below	265
19	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,663Fees	0.382%Above	245
20	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,811Fees	0.136%Above	169
21	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,717Fees	0.076%Below	144
22	Emprise BankBank	Strong	Strong	Sound	Sound	Strong	$758Fees	0.077%Above	76
23	Wichita Federal Credit UnionCredit Union	Strong	Strong	Sound	Sound	Strong	$691Fees	0.002%Above	74
24	Equity BankBank	Strong	Strong	Sound	Sound	Strong	$1,080Fees	0.025%Above	48
25	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,845Fees	0.135%Above	37
26	BOKF, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,858Fees	0.593%Above	31
27	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,276Fees	0.198%Above	30
28	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$662Fees	0.263%Above	24
29	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$829Fees	0.614%Above	21
30	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,722Fees	0.552%Above	202
31	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,156Fees	0.430%Above	157
32	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,706Fees	0.279%Above	84
33	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,651Fees	0.317%Above	82
34	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,728Fees	0.383%Above	56
35	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,278Fees	0.743%Above	53
36	Commerce BankBank	Strong	Sound	Strong	Sound	Strong	$429Fees	0.169%Above	49
37	RCB BankBank	Strong	Strong	Sound	Sound	Sound	$960Fees	0.433%Below	27
38	SOFI BANK, NATIONAL ASSOCIATIONBank	Strong	Strong	Strong	Acceptable	Sound	$481Fees	0.284%Above	15
39	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$438Fees	0.590%Above	257
40	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,029Fees	0.513%Above	130
41	REGENT FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,961Fees	0.528%Above	116
42	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,158Fees	0.452%Above	48
43	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,558Fees	0.465%Above	42
44	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,994Fees	0.423%Above	36
45	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,918Fees	0.473%Above	35
46	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,523Fees	0.593%Above	22
47	Arvest BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,269Fees	0.168%Above	22
48	PENTAGON FEDERAL CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Sound	Strong	$2,499Fees	0.025%Below	114
49	American Mortgage Bank, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,368Fees	0.437%Above	51
50	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Sound	$1,847Fees	0.095%Above	30

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.