🛡️
Safe Rate's TrueRank Guarantee
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 Mortgage Lenders in Topeka
Updated February 5, 2026
Market Overview
36
Total Lenders
2,192
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Capitol Federal Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,145 | -0.232% | 113 | |
2 | Envista Credit Union | Exceptional | Strong | Strong | Exceptional | $1,091 | +0.140% | 239 | |
3 | Landmark National Bank | Exceptional | Strong | Exceptional | Strong | $816 | +0.073% | 45 | |
4 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,109 | +0.494% | 275 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $482 | +0.399% | 62 | |
6 | CoreFirst Bank & Trust | Strong | Exceptional | Acceptable | Strong | $687 | +0.325% | 44 | |
7 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $400 | -0.709% | 25 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,129 | +0.394% | 64 | |
9 | Mid-America Bank | Strong | Sound | Exceptional | Strong | $628 | +0.232% | 40 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $1,692 | +0.599% | 294 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,030 | +0.414% | 247 | |
12 | Azura Credit Union | Strong | Sound | Sound | Exceptional | $495 | +0.592% | 102 | |
13 | NBH Bank | Strong | Sound | Strong | Strong | $1,064 | +0.240% | 83 | |
14 | Bank of the Flint Hills | Strong | Sound | Strong | Strong | $939 | +0.169% | 28 | |
15 | Central National Bank | Strong | Strong | Sound | Sound | $819 | +0.060% | 23 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $1,080 | +0.269% | 22 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $381 | +0.567% | 115 | |
18 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $3,474 | +0.685% | 57 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,301 | +0.731% | 24 | |
20 | Bell Bank | Strong | Acceptable | Exceptional | Sound | $1,949 | +0.509% | 23 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $2,024 | +0.492% | 22 | |
22 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,052 | +0.494% | 34 | |
23 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,323 | +0.631% | 32 | |
24 | MORTGAGE INVESTMENT SERVICES CORPORATION | Sound | Acceptable | Sound | Sound | $1,352 | +0.584% | 24 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Topeka, KS
No credit impact
3-minute process
100% free