Safe Rate Rankings

Best Credit Union 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.
Total Lenders8
Total Loans1,185
Median Rate Spread0.04%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
MERITRUST Federal Credit UnionCredit Union
Exceptional
Strong
Strong
Exceptional
$1,358Fees
0.023%Above
486
2
NAVY FEDERAL CREDIT UNIONCredit Union
Exceptional
Exceptional
Sound
Strong
$597Fees
0.501%Below
64
3
CREDIT UNION OF AMERICACredit Union
Strong
Sound
Sound
Exceptional
$2,244Fees
0.098%Below
265
4
Wichita Federal Credit UnionCredit Union
Strong
Strong
Acceptable
Strong
$691Fees
0.002%Above
74
5
MID AMERICAN CREDIT UNIONCredit Union
Strong
Strong
Acceptable
Strong
$1,057Fees
0.116%Above
26
6
PENTAGON FEDERAL CREDIT UNIONCredit Union
Strong
Sound
Sound
Strong
$2,499Fees
0.025%Below
114
7
SKYWARD CREDIT UNIONCredit Union
Strong
Sound
Acceptable
Strong
$1,026Fees
0.474%Above
22
8
HEARTLAND CREDIT UNIONCredit Union
Sound
Acceptable
Sound
Strong
$1,875Fees
0.428%Above
107

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.