Top Mortgage Lenders in Wichita, KS

Which mortgage lender in the Wichita, KS area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Wichita, KS area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Wichita, KS area in terms of interest rate is Capitol Federal Savings Bank, with an average “Rate Difference” of -0.30%. This means that, comparing similar borrowers, Capitol Federal Savings Bank provided a -0.30% lower interest rate for its customers than other lenders in the area. Capitol Federal Savings Bank has a market share of 5.5%. On the other hand, the most popular lender in the Wichita, KS area is Fidelity Bank Kansas, with a larger market share of 7.3%. Fidelity Bank Kansas is also a relatively cheap lender, with a “Rate Difference” of -0.14% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Wichita, KS area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, Capitol Federal Savings Bank is the cheapest mortgage provider for Conventional and Jumbo mortgages in Wichita, KS. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Flagstar Bank. The cheapest VA mortgage provider is Intrust Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Wichita, KS

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Capitol Federal Savings Bank	-0.30%	(5.0)	5.53%
Home Bank and Trust Company	-0.20%	(4.5)	1.13%
Pentagon Federal Credit Union	-0.17%	(4.5)	1.38%
Members Mortgage Services	-0.14%	(4.0)	0.75%
Fidelity Bank Kansas	-0.14%	(4.0)	7.29%
Credit Union of America	-0.11%	(4.0)	6.36%
Intrust Bank	-0.11%	(4.0)	3.42%
Equity Bank	-0.11%	(4.0)	0.94%
Mid American Credit Union	-0.09%	(4.0)	0.75%
Central National Bank	-0.09%	(4.0)	0.41%
Gateway First Bank	-0.09%	(4.0)	4.44%
Emprise Bank	-0.09%	(4.0)	2.26%
Skyward Credit Union	-0.07%	(4.0)	0.69%
Navy Federal Credit Union	-0.06%	(4.0)	0.78%
Golden Plains Credit Union	-0.05%	(3.5)	0.45%
Flagstar Bank	-0.04%	(3.5)	2.31%
Heartland Credit Union KS	-0.04%	(3.5)	2.02%
US Bank	-0.04%	(3.5)	1.17%
NBKC Bank	-0.03%	(3.5)	0.35%
KS StateBank	-0.02%	(3.5)	1.38%
Keller Mortgage	-0.02%	(3.5)	0.58%
Bank of America	-0.02%	(3.5)	1.01%
PennyMac Loan Services	-0.02%	(3.5)	0.61%
Carrington Mortgage Services	-0.01%	(3.5)	0.51%
Regent Financial Group	-0.01%	(3.5)	1.76%
JPMorgan Chase Bank	-0.01%	(3.5)	0.42%
USAA	-0.01%	(3.5)	1.63%
United Fidelity Funding Corp	-0.00%	(3.5)	0.39%
Wichita Federal Credit Union	0.00%	(3.5)	0.57%
Movement Mortgage	0.00%	(3.5)	2.31%
Freedom Mortgage Corporation	0.00%	(3.5)	0.91%
Mid America Mortgage	0.01%	(3.5)	0.36%
Sunflower Bank	0.01%	(3.5)	0.89%
RCB Bank	0.01%	(3.5)	0.53%
Inland Bank and Trust	0.02%	(3.5)	0.55%
Simmons Bank	0.04%	(3.5)	0.41%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	1.23%
Home Point Financial Corporation	0.04%	(3.5)	0.35%
Mortgage Investment Services Corporation	0.04%	(3.5)	0.31%
BOK Financial	0.05%	(3.5)	0.94%
US Mortgage Corporation	0.06%	(3.0)	0.57%
Benchmark	0.06%	(3.0)	0.76%
Meritrust Credit Union	0.06%	(3.0)	7.10%
Bank in San Ramon	0.07%	(3.0)	0.42%
BNC National Bank	0.07%	(3.0)	2.07%
Thrive Mortgage	0.08%	(3.0)	0.65%
loanDepot	0.10%	(3.0)	0.89%
Wells Fargo Bank	0.12%	(3.0)	2.48%
Commerce Bank	0.12%	(3.0)	1.39%
LeaderOne Financial Corporation	0.14%	(3.0)	4.38%
Open Mortgage	0.14%	(3.0)	3.24%
DelMar Financial Company	0.14%	(3.0)	0.99%
Sierra Pacific Mortgage	0.17%	(2.5)	3.73%
Pivot Lending Group	0.17%	(2.5)	0.40%
Planet Home Lending	0.17%	(2.5)	0.51%
Mr. Cooper	0.17%	(2.5)	0.65%
Primary Residential Mortgage Inc	0.20%	(2.5)	0.81%
Quicken Loans	0.20%	(2.5)	6.72%
PrimeLending	0.24%	(2.5)	2.08%

Lender Name	Rate Difference	Rate Rating	Market Share
Capitol Federal Savings Bank	-0.27%	(5.0)	5.20%
Home Bank and Trust Company	-0.19%	(4.5)	0.89%
Pentagon Federal Credit Union	-0.18%	(4.5)	1.83%
Fidelity Bank Kansas	-0.15%	(4.5)	8.53%
Intrust Bank	-0.15%	(4.0)	3.19%
Members Mortgage Services	-0.15%	(4.0)	1.06%
Equity Bank	-0.13%	(4.0)	0.98%
Emprise Bank	-0.12%	(4.0)	1.53%
Central National Bank	-0.11%	(4.0)	0.49%
US Bank	-0.09%	(4.0)	0.96%
Gateway First Bank	-0.09%	(4.0)	4.64%
Navy Federal Credit Union	-0.07%	(4.0)	1.02%
Skyward Credit Union	-0.07%	(4.0)	0.60%
Golden Plains Credit Union	-0.07%	(4.0)	0.41%
Bank of America	-0.06%	(4.0)	0.92%
Credit Union of America	-0.06%	(4.0)	6.26%
PennyMac Loan Services	-0.06%	(4.0)	0.32%
Mid American Credit Union	-0.06%	(4.0)	0.48%
Flagstar Bank	-0.05%	(4.0)	2.52%
NBKC Bank	-0.05%	(3.5)	0.42%
KS StateBank	-0.03%	(3.5)	1.75%
JPMorgan Chase Bank	-0.03%	(3.5)	0.44%
Keller Mortgage	-0.02%	(3.5)	0.82%
Freedom Mortgage Corporation	-0.02%	(3.5)	0.77%
USAA	-0.01%	(3.5)	1.96%
Mid America Mortgage	-0.00%	(3.5)	0.39%
RCB Bank	0.00%	(3.5)	0.55%
Movement Mortgage	0.00%	(3.5)	3.04%
Sunflower Bank	0.01%	(3.5)	1.18%
United Fidelity Funding Corp	0.01%	(3.5)	0.29%
Regent Financial Group	0.01%	(3.5)	1.85%
Wichita Federal Credit Union	0.02%	(3.5)	0.42%
Inland Bank and Trust	0.02%	(3.5)	0.68%
loanDepot	0.03%	(3.5)	0.22%
Wells Fargo Bank	0.03%	(3.5)	2.42%
Mortgage Investment Services Corporation	0.04%	(3.5)	0.41%
Simmons Bank	0.04%	(3.5)	0.38%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	1.51%
BOK Financial	0.06%	(3.0)	0.96%
Benchmark	0.06%	(3.0)	0.92%
US Mortgage Corporation	0.06%	(3.0)	0.74%
Heartland Credit Union KS	0.06%	(3.0)	1.80%
Home Point Financial Corporation	0.07%	(3.0)	0.29%
Carrington Mortgage Services	0.07%	(3.0)	0.06%
Mr. Cooper	0.08%	(3.0)	0.17%
Thrive Mortgage	0.08%	(3.0)	0.83%
Bank in San Ramon	0.09%	(3.0)	0.32%
BNC National Bank	0.09%	(3.0)	2.42%
Meritrust Credit Union	0.11%	(3.0)	5.11%
Commerce Bank	0.13%	(3.0)	1.37%
LeaderOne Financial Corporation	0.14%	(3.0)	5.82%
Quicken Loans	0.15%	(3.0)	3.36%
DelMar Financial Company	0.15%	(2.5)	1.27%
Open Mortgage	0.16%	(2.5)	4.05%
Sierra Pacific Mortgage	0.17%	(2.5)	4.60%
Pivot Lending Group	0.17%	(2.5)	0.36%
Planet Home Lending	0.18%	(2.5)	0.67%
Primary Residential Mortgage Inc	0.22%	(2.5)	1.00%
PrimeLending	0.26%	(2.0)	2.56%

Lender Name	Rate Difference	Rate Rating	Market Share
Capitol Federal Savings Bank	-0.34%	(5.0)	6.27%
Credit Union of America	-0.22%	(4.5)	6.60%
Home Bank and Trust Company	-0.21%	(4.5)	1.66%
Heartland Credit Union KS	-0.20%	(4.5)	2.50%
Mid American Credit Union	-0.12%	(4.0)	1.36%
Gateway First Bank	-0.10%	(4.0)	4.00%
Fidelity Bank Kansas	-0.09%	(4.0)	4.52%
Pentagon Federal Credit Union	-0.09%	(4.0)	0.36%
Skyward Credit Union	-0.06%	(4.0)	0.91%
Emprise Bank	-0.06%	(4.0)	3.90%
Regent Financial Group	-0.05%	(4.0)	1.56%
Equity Bank	-0.04%	(3.5)	0.88%
Intrust Bank	-0.04%	(3.5)	3.93%
Wichita Federal Credit Union	-0.02%	(3.5)	0.91%
USAA	-0.02%	(3.5)	0.88%
Carrington Mortgage Services	-0.01%	(3.5)	1.53%
Inland Bank and Trust	-0.01%	(3.5)	0.26%
Golden Plains Credit Union	-0.01%	(3.5)	0.55%
United Fidelity Funding Corp	-0.01%	(3.5)	0.62%
BNC National Bank	-0.01%	(3.5)	1.30%
KS StateBank	-0.01%	(3.5)	0.55%
Movement Mortgage	-0.00%	(3.5)	0.68%
Home Point Financial Corporation	-0.00%	(3.5)	0.49%
Navy Federal Credit Union	0.01%	(3.5)	0.26%
Keller Mortgage	0.01%	(3.5)	0.06%
Planet Home Lending	0.01%	(3.5)	0.16%
Members Mortgage Services	0.01%	(3.5)	0.06%
Central National Bank	0.01%	(3.5)	0.23%
Flagstar Bank	0.01%	(3.5)	1.85%
PennyMac Loan Services	0.01%	(3.5)	1.27%
Thrive Mortgage	0.02%	(3.5)	0.26%
Meritrust Credit Union	0.02%	(3.5)	11.54%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	0.58%
Open Mortgage	0.02%	(3.5)	1.43%
US Mortgage Corporation	0.02%	(3.5)	0.19%
BOK Financial	0.02%	(3.5)	0.91%
NBKC Bank	0.03%	(3.5)	0.19%
Sunflower Bank	0.03%	(3.5)	0.26%
US Bank	0.04%	(3.5)	1.62%
Simmons Bank	0.04%	(3.5)	0.49%
RCB Bank	0.04%	(3.5)	0.49%
JPMorgan Chase Bank	0.04%	(3.5)	0.39%
Mortgage Investment Services Corporation	0.04%	(3.5)	0.10%
Mid America Mortgage	0.04%	(3.5)	0.29%
Freedom Mortgage Corporation	0.05%	(3.5)	1.23%
Bank in San Ramon	0.05%	(3.5)	0.65%
LeaderOne Financial Corporation	0.05%	(3.0)	1.17%
Primary Residential Mortgage Inc	0.05%	(3.0)	0.39%
DelMar Financial Company	0.05%	(3.0)	0.36%
Bank of America	0.05%	(3.0)	1.20%
Benchmark	0.06%	(3.0)	0.42%
Commerce Bank	0.12%	(3.0)	1.43%
loanDepot	0.12%	(3.0)	2.40%
PrimeLending	0.12%	(3.0)	1.01%
Sierra Pacific Mortgage	0.13%	(3.0)	1.79%
Pivot Lending Group	0.16%	(2.5)	0.49%
Mr. Cooper	0.20%	(2.5)	1.72%
Quicken Loans	0.23%	(2.5)	14.23%
Wells Fargo Bank	0.30%	(2.0)	2.63%

Lender Name	Rate Difference	Rate Rating	Market Share
Capitol Federal Savings Bank	-0.30%	(5.0)	7.85%
Home Bank and Trust Company	-0.19%	(4.5)	1.63%
Pentagon Federal Credit Union	-0.18%	(4.5)	1.62%
Fidelity Bank Kansas	-0.12%	(4.0)	7.88%
Credit Union of America	-0.11%	(4.0)	9.18%
Central National Bank	-0.10%	(4.0)	0.48%
Intrust Bank	-0.10%	(4.0)	4.48%
Mid American Credit Union	-0.09%	(4.0)	1.10%
Emprise Bank	-0.09%	(4.0)	3.23%
Equity Bank	-0.07%	(4.0)	0.84%
Skyward Credit Union	-0.06%	(4.0)	1.01%
Gateway First Bank	-0.06%	(4.0)	3.54%
Golden Plains Credit Union	-0.04%	(3.5)	0.66%
US Bank	-0.03%	(3.5)	1.66%
Heartland Credit Union KS	-0.03%	(3.5)	2.95%
KS StateBank	-0.02%	(3.5)	1.01%
Bank of America	-0.02%	(3.5)	1.19%
Regent Financial Group	-0.01%	(3.5)	1.15%
Keller Mortgage	-0.00%	(3.5)	0.57%
JPMorgan Chase Bank	-0.00%	(3.5)	0.59%
Wichita Federal Credit Union	0.01%	(3.5)	0.84%
Sunflower Bank	0.01%	(3.5)	0.90%
Home Point Financial Corporation	0.01%	(3.5)	0.13%
Planet Home Lending	0.01%	(3.5)	0.19%
Freedom Mortgage Corporation	0.02%	(3.5)	0.26%
Mortgage Investment Services Corporation	0.02%	(3.5)	0.15%
Inland Bank and Trust	0.03%	(3.5)	0.34%
RCB Bank	0.03%	(3.5)	0.62%
Mid America Mortgage	0.03%	(3.5)	0.19%
NBKC Bank	0.03%	(3.5)	0.13%
Simmons Bank	0.05%	(3.5)	0.51%
United Fidelity Funding Corp	0.05%	(3.5)	0.25%
Carrington Mortgage Services	0.05%	(3.0)	0.18%
Fairway Independent Mortgage Corporation	0.05%	(3.0)	0.88%
BOK Financial	0.06%	(3.0)	1.25%
USAA	0.06%	(3.0)	0.50%
PennyMac Loan Services	0.06%	(3.0)	0.24%
Meritrust Credit Union	0.07%	(3.0)	10.37%
US Mortgage Corporation	0.07%	(3.0)	0.26%
BNC National Bank	0.08%	(3.0)	1.72%
Flagstar Bank	0.08%	(3.0)	1.57%
Bank in San Ramon	0.09%	(3.0)	0.47%
Movement Mortgage	0.09%	(3.0)	1.63%
DelMar Financial Company	0.09%	(3.0)	0.88%
Benchmark	0.12%	(3.0)	0.54%
Thrive Mortgage	0.12%	(3.0)	0.54%
Primary Residential Mortgage Inc	0.13%	(3.0)	0.37%
LeaderOne Financial Corporation	0.13%	(3.0)	2.34%
Wells Fargo Bank	0.14%	(3.0)	3.31%
Open Mortgage	0.15%	(3.0)	2.06%
loanDepot	0.16%	(2.5)	0.48%
Commerce Bank	0.17%	(2.5)	1.50%
Pivot Lending Group	0.19%	(2.5)	0.53%
Sierra Pacific Mortgage	0.21%	(2.5)	3.03%
Navy Federal Credit Union	0.22%	(2.5)	0.29%
Mr. Cooper	0.25%	(2.0)	0.35%
PrimeLending	0.26%	(2.0)	1.82%
Quicken Loans	0.33%	(2.0)	5.73%

Lender Name	Rate Difference	Rate Rating	Market Share
Capitol Federal Savings Bank	-0.27%	(5.0)	7.89%
Pentagon Federal Credit Union	-0.19%	(4.5)	2.24%
Home Bank and Trust Company	-0.18%	(4.5)	1.36%
Intrust Bank	-0.13%	(4.0)	4.18%
Fidelity Bank Kansas	-0.13%	(4.0)	9.39%
Central National Bank	-0.13%	(4.0)	0.59%
Emprise Bank	-0.12%	(4.0)	2.33%
US Bank	-0.09%	(4.0)	1.43%
Equity Bank	-0.08%	(4.0)	0.86%
Bank of America	-0.07%	(4.0)	1.02%
Skyward Credit Union	-0.07%	(4.0)	0.93%
Golden Plains Credit Union	-0.06%	(4.0)	0.63%
Credit Union of America	-0.06%	(4.0)	9.59%
Mid American Credit Union	-0.05%	(4.0)	0.75%
Gateway First Bank	-0.04%	(3.5)	3.71%
JPMorgan Chase Bank	-0.02%	(3.5)	0.63%
KS StateBank	-0.02%	(3.5)	1.40%
Keller Mortgage	-0.01%	(3.5)	0.84%
Sunflower Bank	0.00%	(3.5)	1.20%
loanDepot	0.01%	(3.5)	0.09%
Planet Home Lending	0.01%	(3.5)	0.27%
PennyMac Loan Services	0.01%	(3.5)	0.14%
Mid America Mortgage	0.01%	(3.5)	0.20%
Mortgage Investment Services Corporation	0.01%	(3.5)	0.18%
Mr. Cooper	0.02%	(3.5)	0.02%
Regent Financial Group	0.02%	(3.5)	1.06%
RCB Bank	0.02%	(3.5)	0.61%
Wichita Federal Credit Union	0.03%	(3.5)	0.66%
Freedom Mortgage Corporation	0.03%	(3.5)	0.20%
Home Point Financial Corporation	0.03%	(3.5)	0.07%
NBKC Bank	0.04%	(3.5)	0.14%
Inland Bank and Trust	0.04%	(3.5)	0.38%
Wells Fargo Bank	0.04%	(3.5)	3.30%
Simmons Bank	0.05%	(3.5)	0.48%
Fairway Independent Mortgage Corporation	0.06%	(3.0)	1.15%
BOK Financial	0.07%	(3.0)	1.36%
USAA	0.07%	(3.0)	0.63%
Heartland Credit Union KS	0.07%	(3.0)	2.80%
US Mortgage Corporation	0.07%	(3.0)	0.36%
Carrington Mortgage Services	0.08%	(3.0)	0.05%
United Fidelity Funding Corp	0.10%	(3.0)	0.16%
Movement Mortgage	0.10%	(3.0)	2.24%
Flagstar Bank	0.10%	(3.0)	1.81%
DelMar Financial Company	0.10%	(3.0)	1.13%
Bank in San Ramon	0.10%	(3.0)	0.41%
Meritrust Credit Union	0.11%	(3.0)	7.94%
BNC National Bank	0.11%	(3.0)	2.01%
Benchmark	0.12%	(3.0)	0.66%
Thrive Mortgage	0.13%	(3.0)	0.77%
Primary Residential Mortgage Inc	0.14%	(3.0)	0.48%
LeaderOne Financial Corporation	0.14%	(3.0)	3.17%
Open Mortgage	0.18%	(2.5)	2.49%
Commerce Bank	0.18%	(2.5)	1.52%
Pivot Lending Group	0.20%	(2.5)	0.48%
Quicken Loans	0.21%	(2.5)	3.39%
Navy Federal Credit Union	0.22%	(2.5)	0.45%
Sierra Pacific Mortgage	0.23%	(2.5)	3.60%
PrimeLending	0.29%	(2.0)	2.19%

Lender Name	Rate Difference	Rate Rating	Market Share
Capitol Federal Savings Bank	-0.36%	(5.0)	7.76%
Credit Union of America	-0.22%	(4.5)	8.43%
Home Bank and Trust Company	-0.21%	(4.5)	2.14%
Heartland Credit Union KS	-0.19%	(4.5)	3.23%
Mid American Credit Union	-0.12%	(4.0)	1.76%
Fidelity Bank Kansas	-0.10%	(4.0)	5.08%
Gateway First Bank	-0.09%	(4.0)	3.23%
Pentagon Federal Credit Union	-0.08%	(4.0)	0.46%
Skyward Credit Union	-0.06%	(4.0)	1.17%
Emprise Bank	-0.06%	(4.0)	4.91%
Regent Financial Group	-0.05%	(4.0)	1.30%
Equity Bank	-0.04%	(3.5)	0.80%
Intrust Bank	-0.04%	(3.5)	5.03%
BNC National Bank	-0.02%	(3.5)	1.17%
Wichita Federal Credit Union	-0.02%	(3.5)	1.17%
Inland Bank and Trust	-0.02%	(3.5)	0.25%
Golden Plains Credit Union	-0.01%	(3.5)	0.71%
KS StateBank	-0.01%	(3.5)	0.29%
Home Point Financial Corporation	0.00%	(3.5)	0.25%
Thrive Mortgage	0.01%	(3.5)	0.13%
United Fidelity Funding Corp	0.01%	(3.5)	0.42%
Keller Mortgage	0.01%	(3.5)	0.08%
Central National Bank	0.01%	(3.5)	0.29%
Freedom Mortgage Corporation	0.01%	(3.5)	0.38%
US Mortgage Corporation	0.01%	(3.5)	0.08%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.38%
Planet Home Lending	0.02%	(3.5)	0.04%
NBKC Bank	0.02%	(3.5)	0.13%
USAA	0.02%	(3.5)	0.25%
Meritrust Credit Union	0.02%	(3.5)	14.89%
Movement Mortgage	0.03%	(3.5)	0.50%
BOK Financial	0.03%	(3.5)	1.05%
Open Mortgage	0.03%	(3.5)	1.26%
Sunflower Bank	0.04%	(3.5)	0.34%
Flagstar Bank	0.04%	(3.5)	1.13%
US Bank	0.04%	(3.5)	2.10%
RCB Bank	0.04%	(3.5)	0.63%
Simmons Bank	0.04%	(3.5)	0.59%
JPMorgan Chase Bank	0.04%	(3.5)	0.50%
Carrington Mortgage Services	0.05%	(3.5)	0.42%
Mortgage Investment Services Corporation	0.05%	(3.0)	0.08%
DelMar Financial Company	0.06%	(3.0)	0.42%
Bank of America	0.06%	(3.0)	1.51%
LeaderOne Financial Corporation	0.06%	(3.0)	0.80%
Primary Residential Mortgage Inc	0.06%	(3.0)	0.17%
Mid America Mortgage	0.06%	(3.0)	0.17%
Bank in San Ramon	0.07%	(3.0)	0.59%
PennyMac Loan Services	0.09%	(3.0)	0.42%
Benchmark	0.10%	(3.0)	0.34%
PrimeLending	0.14%	(3.0)	1.13%
Commerce Bank	0.15%	(2.5)	1.47%
Sierra Pacific Mortgage	0.16%	(2.5)	1.97%
Pivot Lending Group	0.16%	(2.5)	0.63%
loanDepot	0.18%	(2.5)	1.22%
Mr. Cooper	0.26%	(2.0)	0.96%
Wells Fargo Bank	0.31%	(2.0)	3.31%
Quicken Loans	0.41%	(1.5)	10.07%

Lender Name	Rate Difference	Rate Rating	Market Share
Flagstar Bank	-0.23%	(4.5)	3.86%
Equity Bank	-0.23%	(4.5)	1.35%
Fidelity Bank Kansas	-0.22%	(4.5)	5.96%
Intrust Bank	-0.21%	(4.5)	0.65%
Members Mortgage Services	-0.21%	(4.5)	3.01%
Gateway First Bank	-0.18%	(4.5)	6.07%
Movement Mortgage	-0.12%	(4.0)	4.46%
Keller Mortgage	-0.10%	(4.0)	0.60%
Freedom Mortgage Corporation	-0.08%	(4.0)	1.70%
RCB Bank	-0.08%	(4.0)	0.35%
Central National Bank	-0.07%	(4.0)	0.25%
PennyMac Loan Services	-0.07%	(4.0)	1.25%
United Fidelity Funding Corp	-0.06%	(4.0)	0.90%
Carrington Mortgage Services	-0.06%	(4.0)	1.75%
Bank of America	-0.05%	(4.0)	0.50%
Regent Financial Group	-0.05%	(3.5)	3.11%
KS StateBank	-0.03%	(3.5)	1.85%
Quicken Loans	-0.03%	(3.5)	10.23%
NBKC Bank	-0.03%	(3.5)	0.15%
Mid America Mortgage	-0.02%	(3.5)	0.95%
Commerce Bank	-0.02%	(3.5)	0.70%
Navy Federal Credit Union	-0.02%	(3.5)	0.05%
Inland Bank and Trust	-0.01%	(3.5)	1.20%
Thrive Mortgage	-0.00%	(3.5)	1.05%
Fairway Independent Mortgage Corporation	-0.00%	(3.5)	2.31%
Credit Union of America	0.00%	(3.5)	0.10%
Bank in San Ramon	0.00%	(3.5)	0.20%
Benchmark	0.00%	(3.5)	1.30%
BOK Financial	0.01%	(3.5)	0.40%
Mortgage Investment Services Corporation	0.01%	(3.5)	0.75%
Home Point Financial Corporation	0.01%	(3.5)	0.25%
Wells Fargo Bank	0.02%	(3.5)	0.05%
Pivot Lending Group	0.02%	(3.5)	0.20%
Sunflower Bank	0.02%	(3.5)	0.95%
US Mortgage Corporation	0.03%	(3.5)	1.45%
BNC National Bank	0.04%	(3.5)	1.85%
loanDepot	0.10%	(3.0)	1.25%
Sierra Pacific Mortgage	0.10%	(3.0)	6.27%
Mr. Cooper	0.12%	(3.0)	1.75%
LeaderOne Financial Corporation	0.13%	(3.0)	12.98%
Open Mortgage	0.14%	(3.0)	7.42%
Planet Home Lending	0.23%	(2.5)	1.65%
DelMar Financial Company	0.23%	(2.5)	1.60%
PrimeLending	0.24%	(2.5)	3.21%
Primary Residential Mortgage Inc	0.25%	(2.0)	2.06%

Lender Name	Rate Difference	Rate Rating	Market Share
Equity Bank	-0.26%	(5.0)	1.46%
Flagstar Bank	-0.24%	(4.5)	4.56%
Fidelity Bank Kansas	-0.24%	(4.5)	6.69%
Intrust Bank	-0.22%	(4.5)	0.79%
Members Mortgage Services	-0.21%	(4.5)	3.65%
Gateway First Bank	-0.19%	(4.5)	6.20%
PennyMac Loan Services	-0.13%	(4.0)	0.73%
Movement Mortgage	-0.12%	(4.0)	5.29%
Freedom Mortgage Corporation	-0.11%	(4.0)	1.52%
Keller Mortgage	-0.10%	(4.0)	0.73%
RCB Bank	-0.08%	(4.0)	0.43%
Central National Bank	-0.07%	(4.0)	0.30%
United Fidelity Funding Corp	-0.06%	(4.0)	0.67%
Regent Financial Group	-0.06%	(4.0)	3.41%
Bank of America	-0.06%	(4.0)	0.61%
Mid America Mortgage	-0.04%	(3.5)	0.91%
KS StateBank	-0.03%	(3.5)	2.19%
NBKC Bank	-0.03%	(3.5)	0.18%
Commerce Bank	-0.03%	(3.5)	0.73%
Navy Federal Credit Union	-0.02%	(3.5)	0.06%
Inland Bank and Trust	-0.01%	(3.5)	1.46%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	2.31%
Thrive Mortgage	-0.01%	(3.5)	1.16%
Credit Union of America	-0.00%	(3.5)	0.12%
Benchmark	-0.00%	(3.5)	1.52%
Bank in San Ramon	0.00%	(3.5)	0.06%
Mortgage Investment Services Corporation	0.00%	(3.5)	0.85%
BOK Financial	0.00%	(3.5)	0.30%
Home Point Financial Corporation	0.01%	(3.5)	0.18%
Pivot Lending Group	0.02%	(3.5)	0.24%
Sunflower Bank	0.02%	(3.5)	1.16%
Quicken Loans	0.03%	(3.5)	4.26%
US Mortgage Corporation	0.03%	(3.5)	1.64%
Carrington Mortgage Services	0.04%	(3.5)	0.12%
loanDepot	0.04%	(3.5)	0.36%
BNC National Bank	0.04%	(3.5)	2.13%
Mr. Cooper	0.06%	(3.0)	0.49%
Sierra Pacific Mortgage	0.10%	(3.0)	7.24%
LeaderOne Financial Corporation	0.13%	(3.0)	15.02%
Open Mortgage	0.14%	(3.0)	8.45%
PrimeLending	0.23%	(2.5)	3.83%
DelMar Financial Company	0.24%	(2.5)	1.89%
Planet Home Lending	0.25%	(2.0)	1.82%
Primary Residential Mortgage Inc	0.27%	(2.0)	2.25%

Lender Name	Rate Difference	Rate Rating	Market Share
Gateway First Bank	-0.08%	(4.0)	5.41%
Fidelity Bank Kansas	-0.05%	(3.5)	2.56%
United Fidelity Funding Corp	-0.05%	(3.5)	1.99%
Carrington Mortgage Services	-0.04%	(3.5)	9.40%
Quicken Loans	-0.04%	(3.5)	38.18%
Sierra Pacific Mortgage	-0.02%	(3.5)	1.71%
Regent Financial Group	-0.00%	(3.5)	1.71%
Planet Home Lending	0.00%	(3.5)	0.85%
Movement Mortgage	0.00%	(3.5)	0.57%
Freedom Mortgage Corporation	0.01%	(3.5)	2.56%
Open Mortgage	0.01%	(3.5)	2.56%
Equity Bank	0.01%	(3.5)	0.85%
Commerce Bank	0.01%	(3.5)	0.57%
Benchmark	0.01%	(3.5)	0.28%
PennyMac Loan Services	0.01%	(3.5)	3.70%
Flagstar Bank	0.01%	(3.5)	0.57%
US Mortgage Corporation	0.01%	(3.5)	0.57%
BNC National Bank	0.01%	(3.5)	0.57%
Bank in San Ramon	0.02%	(3.5)	0.85%
BOK Financial	0.02%	(3.5)	0.85%
KS StateBank	0.02%	(3.5)	0.28%
Mortgage Investment Services Corporation	0.03%	(3.5)	0.28%
Thrive Mortgage	0.03%	(3.5)	0.57%
Home Point Financial Corporation	0.03%	(3.5)	0.57%
PrimeLending	0.03%	(3.5)	0.28%
Mid America Mortgage	0.03%	(3.5)	1.14%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	2.28%
Wells Fargo Bank	0.04%	(3.5)	0.28%
Primary Residential Mortgage Inc	0.04%	(3.5)	1.14%
DelMar Financial Company	0.05%	(3.5)	0.28%
LeaderOne Financial Corporation	0.06%	(3.0)	3.42%
loanDepot	0.13%	(3.0)	5.41%
Mr. Cooper	0.16%	(2.5)	7.69%

Lender Name	Rate Difference	Rate Rating	Market Share
Capitol Federal Savings Bank	-0.01%	(3.5)	22.86%
Bank of America	-0.01%	(3.5)	10.00%
Commerce Bank	-0.01%	(3.5)	22.86%
JPMorgan Chase Bank	0.00%	(3.5)	2.86%
Emprise Bank	0.01%	(3.5)	7.14%
Pentagon Federal Credit Union	0.01%	(3.5)	1.43%
Quicken Loans	0.01%	(3.5)	1.43%
PrimeLending	0.01%	(3.5)	1.43%
Credit Union of America	0.01%	(3.5)	5.71%
RCB Bank	0.02%	(3.5)	2.86%
US Bank	0.02%	(3.5)	1.43%
Simmons Bank	0.02%	(3.5)	4.29%
Navy Federal Credit Union	0.02%	(3.5)	1.43%
Wells Fargo Bank	0.02%	(3.5)	11.43%
BNC National Bank	0.02%	(3.5)	2.86%

Lender Name	Rate Difference	Rate Rating	Market Share
Capitol Federal Savings Bank	-0.04%	(3.5)	17.02%
Bank of America	-0.01%	(3.5)	12.77%
Commerce Bank	-0.01%	(3.5)	21.28%
JPMorgan Chase Bank	0.00%	(3.5)	4.26%
Emprise Bank	0.01%	(3.5)	4.26%
Pentagon Federal Credit Union	0.01%	(3.5)	2.13%
RCB Bank	0.02%	(3.5)	4.26%
US Bank	0.02%	(3.5)	2.13%
Simmons Bank	0.02%	(3.5)	4.26%
Credit Union of America	0.02%	(3.5)	4.26%
Navy Federal Credit Union	0.02%	(3.5)	2.13%
Wells Fargo Bank	0.02%	(3.5)	17.02%
BNC National Bank	0.02%	(3.5)	4.26%

Lender Name	Rate Difference	Rate Rating	Market Share
Commerce Bank	-0.01%	(3.5)	26.09%
Bank of America	-0.01%	(3.5)	4.35%
Credit Union of America	0.00%	(3.5)	8.70%
Emprise Bank	0.00%	(3.5)	13.04%
Quicken Loans	0.01%	(3.5)	4.35%
PrimeLending	0.01%	(3.5)	4.35%
Capitol Federal Savings Bank	0.01%	(3.5)	34.78%
Simmons Bank	0.01%	(3.5)	4.35%

Lender Name	Rate Difference	Rate Rating	Market Share
Intrust Bank	-0.18%	(4.5)	2.04%
Navy Federal Credit Union	-0.17%	(4.5)	5.19%
Pentagon Federal Credit Union	-0.14%	(4.0)	2.41%
Fidelity Bank Kansas	-0.13%	(4.0)	6.49%
Gateway First Bank	-0.07%	(4.0)	7.42%
NBKC Bank	-0.06%	(4.0)	2.13%
KS StateBank	-0.04%	(3.5)	2.88%
PennyMac Loan Services	-0.03%	(3.5)	1.86%
Equity Bank	-0.02%	(3.5)	0.93%
USAA	-0.02%	(3.5)	11.87%
Wells Fargo Bank	-0.02%	(3.5)	1.21%
Central National Bank	-0.01%	(3.5)	0.28%
Flagstar Bank	-0.01%	(3.5)	4.27%
Movement Mortgage	-0.00%	(3.5)	2.78%
Bank of America	0.00%	(3.5)	0.19%
Keller Mortgage	0.00%	(3.5)	0.65%
Benchmark	0.00%	(3.5)	1.21%
Simmons Bank	0.01%	(3.5)	0.28%
RCB Bank	0.01%	(3.5)	0.19%
Sunflower Bank	0.01%	(3.5)	0.83%
US Bank	0.01%	(3.5)	0.19%
BOK Financial	0.02%	(3.5)	0.09%
United Fidelity Funding Corp	0.02%	(3.5)	0.37%
Credit Union of America	0.02%	(3.5)	0.19%
Mid America Mortgage	0.02%	(3.5)	0.37%
Bank in San Ramon	0.02%	(3.5)	0.56%
Home Bank and Trust Company	0.03%	(3.5)	0.09%
loanDepot	0.04%	(3.5)	2.88%
Inland Bank and Trust	0.04%	(3.5)	0.74%
LeaderOne Financial Corporation	0.05%	(3.5)	1.67%
Thrive Mortgage	0.05%	(3.0)	0.65%
Commerce Bank	0.05%	(3.0)	0.56%
Fairway Independent Mortgage Corporation	0.05%	(3.0)	1.48%
Members Mortgage Services	0.05%	(3.0)	1.39%
Home Point Financial Corporation	0.05%	(3.0)	1.95%
Regent Financial Group	0.06%	(3.0)	3.25%
Planet Home Lending	0.06%	(3.0)	0.46%
Freedom Mortgage Corporation	0.06%	(3.0)	3.62%
BNC National Bank	0.06%	(3.0)	4.64%
US Mortgage Corporation	0.07%	(3.0)	0.93%
Carrington Mortgage Services	0.08%	(3.0)	0.37%
Mr. Cooper	0.08%	(3.0)	0.56%
Open Mortgage	0.08%	(3.0)	3.15%
DelMar Financial Company	0.09%	(3.0)	0.56%
Mortgage Investment Services Corporation	0.11%	(3.0)	0.56%
Primary Residential Mortgage Inc	0.12%	(3.0)	1.39%
Quicken Loans	0.12%	(3.0)	6.86%
Sierra Pacific Mortgage	0.12%	(3.0)	3.71%
PrimeLending	0.15%	(3.0)	1.67%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.19%	(4.5)	6.32%
Intrust Bank	-0.18%	(4.5)	2.77%
Fidelity Bank Kansas	-0.14%	(4.0)	8.04%
Pentagon Federal Credit Union	-0.13%	(4.0)	3.43%
NBKC Bank	-0.06%	(4.0)	2.64%
KS StateBank	-0.04%	(3.5)	2.90%
Gateway First Bank	-0.02%	(3.5)	6.98%
Wells Fargo Bank	-0.01%	(3.5)	1.58%
USAA	-0.01%	(3.5)	14.10%
Central National Bank	-0.01%	(3.5)	0.40%
PennyMac Loan Services	0.00%	(3.5)	0.53%
Equity Bank	0.00%	(3.5)	0.66%
Flagstar Bank	0.01%	(3.5)	2.37%
Bank of America	0.01%	(3.5)	0.26%
Benchmark	0.01%	(3.5)	1.19%
Keller Mortgage	0.01%	(3.5)	0.92%
Simmons Bank	0.01%	(3.5)	0.40%
United Fidelity Funding Corp	0.01%	(3.5)	0.26%
RCB Bank	0.02%	(3.5)	0.26%
Sunflower Bank	0.02%	(3.5)	1.19%
Movement Mortgage	0.02%	(3.5)	3.03%
US Bank	0.02%	(3.5)	0.26%
BOK Financial	0.02%	(3.5)	0.13%
Credit Union of America	0.02%	(3.5)	0.26%
loanDepot	0.03%	(3.5)	0.66%
Home Bank and Trust Company	0.03%	(3.5)	0.13%
Mid America Mortgage	0.04%	(3.5)	0.40%
Freedom Mortgage Corporation	0.05%	(3.0)	2.50%
Bank in San Ramon	0.05%	(3.0)	0.40%
Fairway Independent Mortgage Corporation	0.06%	(3.0)	1.98%
Commerce Bank	0.06%	(3.0)	0.66%
LeaderOne Financial Corporation	0.06%	(3.0)	1.71%
Inland Bank and Trust	0.06%	(3.0)	0.79%
Members Mortgage Services	0.07%	(3.0)	1.71%
Thrive Mortgage	0.08%	(3.0)	0.53%
Planet Home Lending	0.08%	(3.0)	0.53%
Quicken Loans	0.08%	(3.0)	1.45%
US Mortgage Corporation	0.08%	(3.0)	1.05%
BNC National Bank	0.08%	(3.0)	5.27%
Home Point Financial Corporation	0.09%	(3.0)	1.84%
DelMar Financial Company	0.10%	(3.0)	0.79%
Open Mortgage	0.10%	(3.0)	3.82%
Mr. Cooper	0.10%	(3.0)	0.40%
Mortgage Investment Services Corporation	0.12%	(3.0)	0.79%
Regent Financial Group	0.12%	(3.0)	3.16%
Sierra Pacific Mortgage	0.14%	(3.0)	5.01%
Primary Residential Mortgage Inc	0.15%	(3.0)	1.45%
PrimeLending	0.17%	(2.5)	2.11%

Lender Name	Rate Difference	Rate Rating	Market Share
Gateway First Bank	-0.17%	(4.5)	8.46%
Regent Financial Group	-0.09%	(4.0)	3.45%
Movement Mortgage	-0.07%	(4.0)	2.19%
Equity Bank	-0.06%	(4.0)	1.57%
PennyMac Loan Services	-0.05%	(4.0)	5.02%
USAA	-0.05%	(3.5)	6.58%
Flagstar Bank	-0.03%	(3.5)	8.78%
Home Point Financial Corporation	-0.03%	(3.5)	2.19%
KS StateBank	-0.03%	(3.5)	2.82%
Bank in San Ramon	-0.02%	(3.5)	0.94%
Mid America Mortgage	-0.02%	(3.5)	0.31%
Sierra Pacific Mortgage	-0.01%	(3.5)	0.63%
Inland Bank and Trust	-0.01%	(3.5)	0.63%
Navy Federal Credit Union	-0.01%	(3.5)	2.51%
Fidelity Bank Kansas	-0.01%	(3.5)	2.82%
Members Mortgage Services	-0.01%	(3.5)	0.63%
Benchmark	-0.01%	(3.5)	1.25%
Planet Home Lending	-0.01%	(3.5)	0.31%
LeaderOne Financial Corporation	-0.00%	(3.5)	1.57%
BNC National Bank	-0.00%	(3.5)	3.13%
Wells Fargo Bank	0.00%	(3.5)	0.31%
PrimeLending	0.00%	(3.5)	0.63%
Intrust Bank	0.00%	(3.5)	0.31%
Thrive Mortgage	0.01%	(3.5)	0.94%
United Fidelity Funding Corp	0.01%	(3.5)	0.63%
Open Mortgage	0.01%	(3.5)	1.57%
Commerce Bank	0.01%	(3.5)	0.31%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.31%
NBKC Bank	0.03%	(3.5)	0.94%
US Mortgage Corporation	0.03%	(3.5)	0.63%
loanDepot	0.03%	(3.5)	8.15%
Primary Residential Mortgage Inc	0.03%	(3.5)	1.25%
Mr. Cooper	0.04%	(3.5)	0.94%
Freedom Mortgage Corporation	0.06%	(3.0)	6.27%
Carrington Mortgage Services	0.06%	(3.0)	1.25%
Quicken Loans	0.11%	(3.0)	19.75%

* Data is compiled for the Wichita, KS commuting zone area, which comprises of counties of Butler County, KS, Harvey County, KS, Kingman County, KS, Marion County, KS, Sedgwick County, KS, and Sumner County, KS. This includes cities/towns/communities of Wichita, KS as well as Derby, KS, Augusta, KS, Haysville, KS, Park City, KS, Mulvane, KS, Valley Center, KS, Rose Hill, KS, Newton, KS, El Dorado, KS, Bel Aire, KS, Andover, KS, Kechi, KS, Benton, KS, Burrton, KS, Wellington, KS, Mulvane, KS, Goddard, KS, Andale, KS, Douglass, KS, Milan, KS, Leon, KS, Garden Plain, KS, Clearwater, KS, Hesston, KS, Cheney, KS, Mount Hope, KS, Kingman, KS, Marion, KS, Hillsboro, KS, Norwich, KS, Hunnewell, KS, Eastborough, KS, Geuda Springs, KS, Goessel, KS, Oaklawn-Sunview, KS, Zenda, KS, and Lost Springs, KS. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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