Top Mortgage Lenders in Topeka, KS

Which mortgage lender in the Topeka, KS area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Topeka, KS area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Topeka, KS area in terms of interest rate is Capitol Federal Savings Bank, with an average “Rate Difference” of -0.27%. This means that, comparing similar borrowers, Capitol Federal Savings Bank provided a -0.27% lower interest rate for its customers than other lenders in the area. Capitol Federal Savings Bank has a market share of 11.6%. On the other hand, the most popular lender in the Topeka, KS area is Fairway Independent Mortgage Corporation, with a larger market share of 15.9%. Fairway Independent Mortgage Corporation is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.05% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Topeka, KS area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Topeka, KS is Capitol Federal Savings Bank. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is CoreFirst Bank & Trust. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Landmark National Bank. The cheapest VA mortgage provider is also Landmark National Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Topeka, KS

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Capitol Federal Savings Bank-0.27%(5.0)11.63%
CoreFirst Bank & Trust-0.13%(4.0)3.41%
Central National Bank-0.11%(4.0)2.96%
Navy Federal Credit Union-0.04%(3.5)0.83%
Truity Credit Union-0.04%(3.5)5.00%
Bank of America-0.02%(3.5)1.59%
Landmark National Bank-0.02%(3.5)13.30%
Home Point Financial Corporation-0.01%(3.5)0.89%
NBH Bank-0.00%(3.5)3.79%
Carrington Mortgage Services0.01%(3.5)0.94%
USAA0.02%(3.5)2.26%
Movement Mortgage0.02%(3.5)1.99%
BOK Financial0.02%(3.5)1.67%
Meritrust Credit Union0.03%(3.5)1.18%
US Bank0.04%(3.5)4.76%
Mortgage Investment Services Corporation0.05%(3.5)0.89%
Commerce Bank0.05%(3.5)1.02%
Flagstar Bank0.05%(3.0)2.87%
Fairway Independent Mortgage Corporation0.05%(3.0)15.88%
Wells Fargo Bank0.06%(3.0)1.72%
CommunityAmerica Credit Union0.06%(3.0)1.13%
loanDepot0.07%(3.0)1.91%
PrimeLending0.07%(3.0)1.99%
Caliber Home Loans0.10%(3.0)2.12%
Azura Credit Union0.11%(3.0)4.16%
Quicken Loans0.19%(2.5)9.22%
Mr. Cooper0.20%(2.5)0.91%
Lender NameRate DifferenceRate RatingMarket Share
Capitol Federal Savings Bank-0.21%(4.5)9.17%
Central National Bank-0.13%(4.0)3.10%
Bank of America-0.12%(4.0)1.45%
CoreFirst Bank & Trust-0.11%(4.0)2.61%
Navy Federal Credit Union-0.05%(3.5)1.17%
Home Point Financial Corporation-0.03%(3.5)0.93%
Landmark National Bank-0.02%(3.5)15.81%
Truity Credit Union-0.02%(3.5)5.75%
NBH Bank-0.01%(3.5)4.42%
US Bank0.00%(3.5)4.95%
USAA0.01%(3.5)2.65%
Wells Fargo Bank0.01%(3.5)1.93%
Movement Mortgage0.01%(3.5)2.49%
BOK Financial0.02%(3.5)2.09%
Commerce Bank0.02%(3.5)1.01%
Meritrust Credit Union0.03%(3.5)0.60%
Mr. Cooper0.03%(3.5)0.08%
Mortgage Investment Services Corporation0.05%(3.5)0.84%
Fairway Independent Mortgage Corporation0.05%(3.5)21.76%
PrimeLending0.07%(3.0)2.61%
CommunityAmerica Credit Union0.07%(3.0)1.09%
loanDepot0.08%(3.0)1.09%
Flagstar Bank0.09%(3.0)2.21%
Azura Credit Union0.11%(3.0)2.57%
Caliber Home Loans0.11%(3.0)2.41%
Quicken Loans0.19%(2.5)5.19%
Lender NameRate DifferenceRate RatingMarket Share
Capitol Federal Savings Bank-0.34%(5.0)16.59%
CoreFirst Bank & Trust-0.14%(4.0)5.02%
Truity Credit Union-0.11%(4.0)3.48%
Central National Bank-0.08%(4.0)2.67%
Landmark National Bank-0.02%(3.5)8.25%
BOK Financial-0.00%(3.5)0.81%
Movement Mortgage0.00%(3.5)0.97%
NBH Bank0.02%(3.5)2.51%
Flagstar Bank0.02%(3.5)4.21%
USAA0.03%(3.5)1.46%
Carrington Mortgage Services0.03%(3.5)2.83%
Fairway Independent Mortgage Corporation0.03%(3.5)4.05%
Navy Federal Credit Union0.03%(3.5)0.16%
Home Point Financial Corporation0.03%(3.5)0.81%
Caliber Home Loans0.04%(3.5)1.54%
CommunityAmerica Credit Union0.04%(3.5)1.21%
Meritrust Credit Union0.04%(3.5)2.35%
Mortgage Investment Services Corporation0.05%(3.5)0.97%
PrimeLending0.07%(3.0)0.73%
loanDepot0.08%(3.0)3.56%
Commerce Bank0.10%(3.0)1.05%
Azura Credit Union0.11%(3.0)7.36%
Bank of America0.12%(3.0)1.86%
US Bank0.14%(3.0)4.37%
Wells Fargo Bank0.18%(2.5)1.29%
Quicken Loans0.21%(2.5)17.31%
Mr. Cooper0.23%(2.5)2.59%
Lender NameRate DifferenceRate RatingMarket Share
Capitol Federal Savings Bank-0.27%(5.0)15.43%
CoreFirst Bank & Trust-0.12%(4.0)4.55%
Central National Bank-0.10%(4.0)3.18%
Truity Credit Union-0.03%(3.5)6.65%
Bank of America-0.02%(3.5)1.84%
NBH Bank-0.01%(3.5)3.83%
Fairway Independent Mortgage Corporation0.03%(3.5)13.44%
Mortgage Investment Services Corporation0.03%(3.5)0.54%
Home Point Financial Corporation0.03%(3.5)0.04%
Meritrust Credit Union0.03%(3.5)1.59%
Landmark National Bank0.04%(3.5)13.19%
Carrington Mortgage Services0.05%(3.5)0.25%
Movement Mortgage0.05%(3.5)1.95%
US Bank0.05%(3.0)5.75%
BOK Financial0.05%(3.0)1.41%
Commerce Bank0.06%(3.0)1.12%
Wells Fargo Bank0.07%(3.0)2.20%
CommunityAmerica Credit Union0.07%(3.0)1.45%
Flagstar Bank0.08%(3.0)2.78%
loanDepot0.08%(3.0)1.59%
PrimeLending0.08%(3.0)1.81%
USAA0.10%(3.0)0.90%
Azura Credit Union0.11%(3.0)5.60%
Caliber Home Loans0.13%(3.0)0.83%
Navy Federal Credit Union0.13%(3.0)0.33%
Quicken Loans0.29%(2.0)7.08%
Mr. Cooper0.30%(2.0)0.65%
Lender NameRate DifferenceRate RatingMarket Share
Capitol Federal Savings Bank-0.20%(4.5)12.73%
Bank of America-0.13%(4.0)1.75%
Central National Bank-0.12%(4.0)3.15%
CoreFirst Bank & Trust-0.11%(4.0)3.66%
NBH Bank-0.03%(3.5)4.56%
Truity Credit Union-0.01%(3.5)7.94%
US Bank0.00%(3.5)5.91%
Wells Fargo Bank0.02%(3.5)2.59%
Fairway Independent Mortgage Corporation0.02%(3.5)18.92%
Mortgage Investment Services Corporation0.02%(3.5)0.45%
Mr. Cooper0.03%(3.5)0.06%
Meritrust Credit Union0.03%(3.5)0.84%
Commerce Bank0.03%(3.5)1.13%
loanDepot0.04%(3.5)0.79%
Landmark National Bank0.05%(3.5)15.32%
Movement Mortgage0.05%(3.5)2.42%
BOK Financial0.06%(3.0)1.75%
PrimeLending0.07%(3.0)2.36%
CommunityAmerica Credit Union0.09%(3.0)1.41%
USAA0.10%(3.0)1.13%
Azura Credit Union0.11%(3.0)3.60%
Navy Federal Credit Union0.12%(3.0)0.51%
Flagstar Bank0.13%(3.0)2.31%
Caliber Home Loans0.14%(3.0)0.96%
Quicken Loans0.30%(2.0)3.77%
Lender NameRate DifferenceRate RatingMarket Share
Capitol Federal Savings Bank-0.34%(5.0)20.28%
CoreFirst Bank & Trust-0.13%(4.0)6.16%
Truity Credit Union-0.09%(4.0)4.34%
Central National Bank-0.07%(4.0)3.23%
Landmark National Bank-0.01%(3.5)9.38%
BOK Financial-0.00%(3.5)0.81%
Movement Mortgage0.01%(3.5)1.11%
Flagstar Bank0.02%(3.5)3.63%
Fairway Independent Mortgage Corporation0.04%(3.5)3.63%
NBH Bank0.04%(3.5)2.52%
USAA0.05%(3.5)0.50%
CommunityAmerica Credit Union0.05%(3.0)1.51%
Meritrust Credit Union0.05%(3.0)2.93%
Home Point Financial Corporation0.06%(3.0)0.10%
Mortgage Investment Services Corporation0.06%(3.0)0.71%
Carrington Mortgage Services0.07%(3.0)0.71%
Caliber Home Loans0.07%(3.0)0.61%
PrimeLending0.08%(3.0)0.81%
loanDepot0.11%(3.0)3.03%
Commerce Bank0.12%(3.0)1.11%
Azura Credit Union0.13%(3.0)9.18%
Bank of America0.15%(3.0)2.02%
US Bank0.15%(2.5)5.45%
Wells Fargo Bank0.20%(2.5)1.51%
Quicken Loans0.31%(2.0)13.02%
Mr. Cooper0.34%(2.0)1.72%
Lender NameRate DifferenceRate RatingMarket Share
Landmark National Bank-0.21%(4.5)13.48%
Central National Bank-0.18%(4.5)2.84%
Movement Mortgage-0.08%(4.0)3.01%
Home Point Financial Corporation-0.07%(4.0)2.30%
Flagstar Bank-0.06%(4.0)2.13%
Bank of America-0.06%(4.0)0.71%
BOK Financial-0.05%(4.0)3.19%
Carrington Mortgage Services-0.04%(3.5)3.72%
CommunityAmerica Credit Union-0.02%(3.5)0.35%
Commerce Bank-0.01%(3.5)0.53%
US Bank0.00%(3.5)2.13%
NBH Bank0.02%(3.5)3.01%
Mortgage Investment Services Corporation0.05%(3.5)2.66%
Quicken Loans0.05%(3.5)15.60%
PrimeLending0.07%(3.0)3.72%
Fairway Independent Mortgage Corporation0.07%(3.0)27.84%
Caliber Home Loans0.08%(3.0)7.98%
Mr. Cooper0.08%(3.0)2.13%
loanDepot0.09%(3.0)2.66%
Lender NameRate DifferenceRate RatingMarket Share
Landmark National Bank-0.21%(4.5)16.44%
Central National Bank-0.19%(4.5)3.38%
Movement Mortgage-0.08%(4.0)3.60%
Home Point Financial Corporation-0.07%(4.0)2.48%
Flagstar Bank-0.07%(4.0)2.25%
Bank of America-0.05%(4.0)0.90%
BOK Financial-0.05%(3.5)4.05%
CommunityAmerica Credit Union-0.02%(3.5)0.45%
Commerce Bank-0.01%(3.5)0.45%
US Bank0.00%(3.5)2.70%
Mr. Cooper0.02%(3.5)0.23%
NBH Bank0.03%(3.5)3.60%
Mortgage Investment Services Corporation0.06%(3.0)2.70%
PrimeLending0.07%(3.0)4.50%
Fairway Independent Mortgage Corporation0.08%(3.0)33.33%
Quicken Loans0.08%(3.0)8.56%
Caliber Home Loans0.10%(3.0)8.11%
loanDepot0.14%(3.0)2.25%
Lender NameRate DifferenceRate RatingMarket Share
Carrington Mortgage Services-0.05%(3.5)17.50%
Landmark National Bank-0.04%(3.5)2.50%
Caliber Home Loans-0.03%(3.5)7.50%
Flagstar Bank-0.02%(3.5)1.67%
Home Point Financial Corporation-0.02%(3.5)1.67%
Fairway Independent Mortgage Corporation-0.02%(3.5)7.50%
Movement Mortgage-0.01%(3.5)0.83%
loanDepot-0.01%(3.5)4.17%
Commerce Bank-0.01%(3.5)0.83%
Central National Bank-0.01%(3.5)0.83%
Mortgage Investment Services Corporation0.01%(3.5)2.50%
Quicken Loans0.01%(3.5)41.67%
NBH Bank0.02%(3.5)0.83%
PrimeLending0.02%(3.5)0.83%
Mr. Cooper0.08%(3.0)9.17%
Lender NameRate DifferenceRate RatingMarket Share
CoreFirst Bank & Trust-0.01%(3.5)5.88%
US Bank-0.00%(3.5)5.88%
Bank of America-0.00%(3.5)17.65%
Truity Credit Union-0.00%(3.5)11.76%
Commerce Bank0.00%(3.5)11.76%
Landmark National Bank0.00%(3.5)5.88%
Capitol Federal Savings Bank0.00%(3.5)35.29%
Flagstar Bank0.02%(3.5)5.88%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.00%(3.5)14.29%
Truity Credit Union-0.00%(3.5)28.57%
Landmark National Bank0.00%(3.5)14.29%
Capitol Federal Savings Bank0.00%(3.5)28.57%
Commerce Bank0.01%(3.5)14.29%
Lender NameRate DifferenceRate RatingMarket Share
CoreFirst Bank & Trust-0.01%(3.5)10.00%
Commerce Bank-0.01%(3.5)10.00%
Bank of America-0.00%(3.5)30.00%
Capitol Federal Savings Bank0.00%(3.5)40.00%
Flagstar Bank0.02%(3.5)10.00%
Lender NameRate DifferenceRate RatingMarket Share
Landmark National Bank-0.13%(4.0)14.17%
Navy Federal Credit Union-0.12%(4.0)5.88%
Central National Bank-0.05%(3.5)1.60%
USAA-0.03%(3.5)15.78%
Home Point Financial Corporation-0.01%(3.5)5.08%
NBH Bank-0.00%(3.5)4.81%
Commerce Bank-0.00%(3.5)0.53%
BOK Financial0.00%(3.5)1.34%
loanDepot0.01%(3.5)3.21%
Mortgage Investment Services Corporation0.01%(3.5)0.80%
US Bank0.01%(3.5)1.34%
Flagstar Bank0.01%(3.5)4.55%
Bank of America0.01%(3.5)0.27%
Caliber Home Loans0.02%(3.5)2.94%
Movement Mortgage0.02%(3.5)0.80%
Wells Fargo Bank0.02%(3.5)0.80%
PrimeLending0.02%(3.5)0.80%
Carrington Mortgage Services0.03%(3.5)1.87%
Quicken Loans0.04%(3.5)15.78%
Mr. Cooper0.05%(3.5)1.07%
Fairway Independent Mortgage Corporation0.14%(3.0)16.58%
Lender NameRate DifferenceRate RatingMarket Share
Landmark National Bank-0.14%(4.0)18.15%
Navy Federal Credit Union-0.13%(4.0)7.72%
Central National Bank-0.04%(3.5)2.32%
USAA-0.04%(3.5)17.76%
Home Point Financial Corporation-0.01%(3.5)4.63%
Commerce Bank0.00%(3.5)0.77%
BOK Financial0.01%(3.5)1.16%
US Bank0.01%(3.5)1.93%
Bank of America0.02%(3.5)0.39%
Flagstar Bank0.02%(3.5)1.54%
Movement Mortgage0.02%(3.5)1.16%
NBH Bank0.02%(3.5)5.02%
Mortgage Investment Services Corporation0.02%(3.5)0.39%
PrimeLending0.03%(3.5)1.16%
Wells Fargo Bank0.03%(3.5)0.77%
Caliber Home Loans0.04%(3.5)2.70%
Quicken Loans0.04%(3.5)9.27%
loanDepot0.06%(3.0)1.16%
Fairway Independent Mortgage Corporation0.16%(2.5)22.01%
Lender NameRate DifferenceRate RatingMarket Share
NBH Bank-0.06%(4.0)4.35%
Landmark National Bank-0.06%(4.0)5.22%
Caliber Home Loans-0.03%(3.5)3.48%
USAA-0.03%(3.5)11.30%
loanDepot-0.02%(3.5)7.83%
Home Point Financial Corporation-0.02%(3.5)6.09%
Navy Federal Credit Union-0.02%(3.5)1.74%
Mortgage Investment Services Corporation-0.00%(3.5)1.74%
BOK Financial-0.00%(3.5)1.74%
Flagstar Bank-0.00%(3.5)11.30%
Wells Fargo Bank0.00%(3.5)0.87%
Fairway Independent Mortgage Corporation0.01%(3.5)4.35%
Carrington Mortgage Services0.02%(3.5)6.09%
Quicken Loans0.03%(3.5)30.43%
Mr. Cooper0.04%(3.5)3.48%

* Data is compiled for the Topeka, KS commuting zone area, which comprises of counties of Douglas County, KS, Jackson County, KS, Jefferson County, KS, Osage County, KS, Shawnee County, KS, and Wabaunsee County, KS. This includes cities/towns/communities of Topeka, KS as well as Lawrence, KS, Eudora, KS, Baldwin City, KS, Meriden, KS, Hoyt, KS, Willard, KS, Wakarusa, KS, McLouth, KS, Carbondale, KS, Vassar, KS, Alma, KS, Lecompton, KS, Nortonville, KS, Osage City, KS, Perry, KS, Eskridge, KS, Holton, KS, Burlingame, KS, and Olivet, KS. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

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