Safe Rate Rankings

Best VA 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,129Fees	0.394%Above	64
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$400Fees	0.709%Below	25
3	Central National BankBank	Exceptional	Strong	Strong	Exceptional	Sound	$819Fees	0.060%Above	23
4	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,080Fees	0.269%Above	22
5	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,692Fees	0.599%Above	294
6	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,109Fees	0.494%Above	275
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,030Fees	0.414%Above	247
8	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,024Fees	0.492%Above	22
9	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$666Fees	0.072%Below	18
10	NBH BankBank	Strong	Sound	Strong	Strong	Strong	$1,064Fees	0.240%Above	83
11	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$1,052Fees	0.494%Above	34
12	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$381Fees	0.567%Above	115
13	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,323Fees	0.631%Above	32
14	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,798Fees	0.756%Above	12
15	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,474Fees	0.685%Above	57
16	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Acceptable	$3,959Fees	1.425%Above	10

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.