Safe Rate Rankings

Best Conventional Mortgage Lenders in Topeka

Updated May 21, 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.

Market

Total Lenders36

Total Loans2,192

Median Rate Spread0.38%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Capitol Federal Savings BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,145Fees	0.232%Below	113
2	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,109Fees	0.494%Above	275
3	Envista Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,091Fees	0.140%Above	239
4	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$482Fees	0.399%Above	62
5	CoreFirst Bank & TrustBank	Exceptional	Exceptional	Sound	Strong	Strong	$687Fees	0.325%Above	44
6	Mid-America BankBank	Exceptional	Strong	Strong	Exceptional	Strong	$628Fees	0.232%Above	40
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$400Fees	0.709%Below	25
8	Landmark National BankBank	Exceptional	Strong	Strong	Strong	Strong	$816Fees	0.073%Above	45
9	Central National BankBank	Exceptional	Exceptional	Sound	Strong	Sound	$819Fees	0.060%Above	23
10	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$666Fees	0.178%Above	13
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,030Fees	0.414%Above	247
12	First State Bank of St. Charles, MissouriBank	Strong	Strong	Strong	Strong	Sound	$1,116Fees	0.067%Above	10
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,692Fees	0.599%Above	294
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,129Fees	0.394%Above	64
15	Bank of the Flint HillsBank	Strong	Sound	Sound	Exceptional	Strong	$939Fees	0.169%Above	28
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,935Fees	0.355%Above	16
17	COMMUNITYAMERICA CREDIT UNIONCredit Union	Strong	Sound	Exceptional	Strong	Sound	$1,421Fees	0.260%Above	12
18	BOKF, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,416Fees	0.516%Above	10
19	Azura Credit UnionCredit Union	Strong	Sound	Sound	Sound	Exceptional	$495Fees	0.592%Above	102
20	NBH BankBank	Strong	Sound	Strong	Sound	Strong	$1,064Fees	0.240%Above	83
21	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,474Fees	0.685%Above	57
22	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,052Fees	0.494%Above	34
23	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,323Fees	0.631%Above	32
24	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,301Fees	0.731%Above	24
25	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,949Fees	0.509%Above	23
26	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,024Fees	0.492%Above	22
27	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$381Fees	0.567%Above	115
28	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,130Fees	0.718%Above	15
29	MORTGAGE INVESTMENT SERVICES CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	Sound	$1,352Fees	0.584%Above	24
30	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$5,607Fees	0.567%Above	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)

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.