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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 Lenders in Wichita

Updated February 5, 2026

Market Overview

Total Lenders

7,011

Total Loans

0.32%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Capitol Federal Savings Bank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,220	-0.203%	163
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$597	-0.501%	64
3	MERITRUST Federal Credit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,358	+0.023%	486
4	Fidelity Bank, National Association	Exceptional	Strong	Strong	Strong	Exceptional	$1,201	+0.280%	441
5	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,039	+0.386%	425
6	Peoples Bank and Trust Company	Exceptional	Strong	Strong	Strong	Exceptional	$1,254	+0.196%	198
7	Intrust Bank, National Association	Exceptional	Exceptional	Sound	Sound	Exceptional	$942	-0.160%	119
8	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,024	-0.102%	17
9	Home Bank and Trust Company	Exceptional	Strong	Sound	Strong	Exceptional	$835	+0.026%	105
10	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,140	-0.002%	52
11	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,597	-0.061%	52
12	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$494	-0.043%	45
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,576	+0.400%	520
14	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,204	+0.675%	115
15	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$1,593	+0.672%	72
16	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,154	+0.095%	45
17	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,372	+0.398%	386
18	CREDIT UNION OF AMERICA	Strong	Sound	Strong	Sound	Exceptional	$2,244	-0.098%	265
19	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,663	+0.382%	245
20	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,811	+0.136%	169
21	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,717	-0.076%	144
22	Emprise Bank	Strong	Strong	Sound	Sound	Strong	$758	+0.077%	76
23	Wichita Federal Credit Union	Strong	Strong	Sound	Sound	Strong	$691	+0.002%	74
24	Equity Bank	Strong	Strong	Sound	Sound	Strong	$1,080	+0.025%	48
25	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$1,845	+0.135%	37
26	BOKF, National Association	Strong	Sound	Exceptional	Strong	Sound	$1,858	+0.593%	31
27	The Central Trust Bank	Strong	Sound	Exceptional	Strong	Sound	$2,276	+0.198%	30
28	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$662	+0.263%	24
29	BMO Bank National Association	Strong	Strong	Strong	Sound	Sound	$829	+0.614%	21
30	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,722	+0.552%	202
31	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,156	+0.430%	157
32	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,706	+0.279%	84
33	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$1,651	+0.317%	82
34	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,728	+0.383%	56
35	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,278	+0.743%	53
36	Commerce Bank	Strong	Sound	Strong	Sound	Strong	$429	+0.169%	49
37	RCB Bank	Strong	Strong	Sound	Sound	Sound	$960	-0.433%	27
38	SOFI BANK, NATIONAL ASSOCIATION	Strong	Strong	Strong	Acceptable	Sound	$481	+0.284%	15
39	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$438	+0.590%	257
40	PLANET HOME LENDING, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,029	+0.513%	130
41	REGENT FINANCIAL GROUP, INC.	Strong	Acceptable	Strong	Strong	Strong	$1,961	+0.528%	116
42	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,158	+0.452%	48
43	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,558	+0.465%	42
44	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$1,994	+0.423%	36
45	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,918	+0.473%	35
46	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,523	+0.593%	22
47	Arvest Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,269	+0.168%	22
48	PENTAGON FEDERAL CREDIT UNION	Strong	Acceptable	Strong	Sound	Strong	$2,499	-0.025%	114
49	American Mortgage Bank, LLC	Strong	Acceptable	Strong	Sound	Strong	$1,368	+0.437%	51
50	Sunflower Bank, National Association	Strong	Acceptable	Strong	Strong	Sound	$1,847	+0.095%	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.

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Wichita, KSConventional

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