🛡️
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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Capitol Federal Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,145 | -0.232% | 113 | |
2 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,109 | +0.494% | 275 | |
3 | Envista Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,091 | +0.140% | 239 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $482 | +0.399% | 62 | |
5 | CoreFirst Bank & Trust | Exceptional | Exceptional | Sound | Strong | Strong | $687 | +0.325% | 44 | |
6 | Mid-America Bank | Exceptional | Strong | Strong | Exceptional | Strong | $628 | +0.232% | 40 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $400 | -0.709% | 25 | |
8 | Landmark National Bank | Exceptional | Strong | Strong | Strong | Strong | $816 | +0.073% | 45 | |
9 | Central National Bank | Exceptional | Exceptional | Sound | Strong | Sound | $819 | +0.060% | 23 | |
10 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $666 | +0.178% | 13 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,030 | +0.414% | 247 | |
12 | First State Bank of St. Charles, Missouri | Strong | Strong | Strong | Strong | Sound | $1,116 | +0.067% | 10 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,692 | +0.599% | 294 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,129 | +0.394% | 64 | |
15 | Bank of the Flint Hills | Strong | Sound | Sound | Exceptional | Strong | $939 | +0.169% | 28 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,935 | +0.355% | 16 | |
17 | COMMUNITYAMERICA CREDIT UNION | Strong | Sound | Exceptional | Strong | Sound | $1,421 | +0.260% | 12 | |
18 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,416 | +0.516% | 10 | |
19 | Azura Credit Union | Strong | Sound | Sound | Sound | Exceptional | $495 | +0.592% | 102 | |
20 | NBH Bank | Strong | Sound | Strong | Sound | Strong | $1,064 | +0.240% | 83 | |
21 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,474 | +0.685% | 57 | |
22 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,052 | +0.494% | 34 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,323 | +0.631% | 32 | |
24 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,301 | +0.731% | 24 | |
25 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,949 | +0.509% | 23 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,024 | +0.492% | 22 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $381 | +0.567% | 115 | |
28 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,130 | +0.718% | 15 | |
29 | MORTGAGE INVESTMENT SERVICES CORPORATION | Sound | Acceptable | Sound | Sound | Sound | $1,352 | +0.584% | 24 | |
30 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Sound | $5,607 | +0.567% | 16 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Topeka, KSConventional
No credit impact
3-minute process
100% free