Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Capitol Federal Savings BankBank	Exceptional	Exceptional	Strong	Exceptional	$1,145Fees	0.232%Below	113
2	Envista Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	$1,091Fees	0.140%Above	239
3	Landmark National BankBank	Exceptional	Strong	Exceptional	Strong	$816Fees	0.073%Above	45
4	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,109Fees	0.494%Above	275
5	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$482Fees	0.399%Above	62
6	CoreFirst Bank & TrustBank	Strong	Exceptional	Acceptable	Strong	$687Fees	0.325%Above	44
7	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$400Fees	0.709%Below	25
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,129Fees	0.394%Above	64
9	Mid-America BankBank	Strong	Sound	Exceptional	Strong	$628Fees	0.232%Above	40
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$1,692Fees	0.599%Above	294
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,030Fees	0.414%Above	247
12	Azura Credit UnionCredit Union	Strong	Sound	Sound	Exceptional	$495Fees	0.592%Above	102
13	NBH BankBank	Strong	Sound	Strong	Strong	$1,064Fees	0.240%Above	83
14	Bank of the Flint HillsBank	Strong	Sound	Strong	Strong	$939Fees	0.169%Above	28
15	Central National BankBank	Strong	Strong	Sound	Sound	$819Fees	0.060%Above	23
16	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,080Fees	0.269%Above	22
17	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$381Fees	0.567%Above	115
18	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,474Fees	0.685%Above	57
19	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,301Fees	0.731%Above	24
20	Bell BankBank	Strong	Acceptable	Exceptional	Sound	$1,949Fees	0.509%Above	23
21	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,024Fees	0.492%Above	22
22	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$1,052Fees	0.494%Above	34
23	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,323Fees	0.631%Above	32
24	MORTGAGE INVESTMENT SERVICES CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$1,352Fees	0.584%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.