# Best Conventional Mortgage Lenders in Topeka, KS

**As of:** 2026-05-21

Compare the top Conventional mortgage lenders in Topeka, KS. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/topeka-ks/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 36
- **Total Loans:** 2,192
- **Median Rate Spread:** 0.383%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Capitol Federal Savings Bank | 89 | 88 | 71 | 113 | Bank |
| 2 | FLAT BRANCH MORTGAGE, INC. | 88 | 59 | 84 | 275 | Independent Mortgage Company |
| 3 | Envista Credit Union | 85 | 77 | 73 | 239 | Credit Union |
| 4 | U.S. Bank National Association | 85 | 75 | 69 | 62 | Bank |
| 5 | Mid-America Bank | 85 | 61 | 90 | 40 | Bank |
| 6 | Landmark National Bank | 80 | 67 | 79 | 45 | Bank |
| 7 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 247 | Independent Mortgage Company |
| 8 | CoreFirst Bank & Trust | 79 | 81 | 60 | 44 | Bank |
| 9 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 25 | Credit Union |
| 10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 294 | Independent Mortgage Company |
| 11 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 64 | Independent Mortgage Company |
| 12 | First State Bank of St. Charles, Missouri | 74 | 66 | 79 | 10 | Bank |
| 13 | Bank of the Flint Hills | 73 | 52 | 90 | 28 | Bank |
| 14 | Central National Bank | 73 | 80 | 66 | 23 | Bank |
| 15 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 16 | Independent Mortgage Company |
| 16 | NBKC BANK | 73 | 90 | 49 | 13 | Bank |
| 17 | COMMUNITYAMERICA CREDIT UNION | 73 | 57 | 71 | 12 | Credit Union |
| 18 | BOKF, National Association | 73 | 43 | 68 | 10 | Bank |
| 19 | LEADERONE FINANCIAL CORPORATION | 71 | 24 | 66 | 57 | Independent Mortgage Company |
| 20 | NBH Bank | 69 | 51 | 55 | 83 | Bank |
| 21 | Azura Credit Union | 68 | 49 | 50 | 102 | Credit Union |
| 22 | Flagstar Bank, N.A. | 66 | 34 | 72 | 34 | Bank |
| 23 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 32 | Independent Mortgage Company |
| 24 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 24 | Independent Mortgage Company |
| 25 | Bell Bank | 66 | 36 | 80 | 23 | Bank |
| 26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 26 | 76 | 22 | Independent Mortgage Company |
| 27 | Mortgage Research Center, LLC | 63 | 34 | 43 | 115 | Independent Mortgage Company |
| 28 | NEWREZ LLC | 62 | 31 | 58 | 15 | Independent Mortgage Company |
| 29 | MORTGAGE INVESTMENT SERVICES CORPORATION | 54 | 24 | 44 | 24 | Independent Mortgage Company |
| 30 | Farm Credit Mid-America, ACA | 49 | 6 | 52 | 16 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Topeka, KS.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.