Top Mortgage Lenders in the Topeka, KS area

Which mortgage lender in the Topeka, KS area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Topeka, KS area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Topeka, KS area is Capitol Federal Savings Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.27%. This means that Capitol Federal Savings Bank provided a -0.27% lower interest rate for its customers than other lenders in Topeka, KS for a similar set of borrowers. Capitol Federal Savings Bank has a market share of 11.6%. On the other hand, the most popular lender in the market is Fairway Independent Mort Corp, with a market share of 15.9%. Fairway Independent Mort Corp is an average rate lender in this area, with a “Rate Difference” of +0.05% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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 $510,400 in 2020), 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. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.27% 11.63%
CoreFirst Bank & Trust 2, -0.13% 3.41%
Central National Bank 3, -0.11% 2.95%
Navy Federal Credit Union 4, -0.04% 0.83%
Truity Credit Union 5, -0.04% 4.99%
Bank of America 6, -0.02% 1.58%
Landmark National Bank 7, -0.02% 13.29%
Home Point Financial Corporation 8, -0.01% 0.89%
NBH Bank 9, -0.00% 3.79%
Carrington Mortgage Services 10, 0.01% 0.94%
Usaa Federal Savings Bank 11, 0.02% 2.26%
Movement Mortgage 12, 0.02% 1.99%
Bokf 13, 0.02% 1.66%
Meritrust Credit Union 14, 0.03% 1.18%
Us Bank 15, 0.04% 4.75%
Mortgage Investment Services Corporation 16, 0.05% 0.89%
Commerce Bank 17, 0.05% 1.02%
Flagstar Bank 18, 0.05% 2.87%
Fairway Independent Mort Corp 19, 0.05% 15.87%
Wells Fargo Bank 20, 0.06% 1.72%
CommunityAmerica Credit Union 21, 0.06% 1.13%
LoanDepot 22, 0.07% 1.91%
Primelending 23, 0.07% 1.99%
Caliber Home Loans Inc 24, 0.10% 2.12%
Azura Credit Union 25, 0.11% 4.16%
Quicken Loans 26, 0.19% 9.26%
Nationstar Mortgage 27, 0.20% 0.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.21% 9.17%
Central National Bank 2, -0.13% 3.10%
Bank of America 3, -0.12% 1.45%
CoreFirst Bank & Trust 4, -0.11% 2.61%
Navy Federal Credit Union 5, -0.05% 1.17%
Home Point Financial Corporation 6, -0.03% 0.92%
Landmark National Bank 7, -0.02% 15.80%
Truity Credit Union 8, -0.02% 5.75%
NBH Bank 9, -0.01% 4.42%
Us Bank 10, 0.00% 4.95%
Usaa Federal Savings Bank 11, 0.01% 2.65%
Wells Fargo Bank 12, 0.01% 1.93%
Movement Mortgage 13, 0.01% 2.49%
Bokf 14, 0.02% 2.09%
Commerce Bank 15, 0.02% 1.01%
Meritrust Credit Union 16, 0.03% 0.60%
Nationstar Mortgage 17, 0.03% 0.08%
Mortgage Investment Services Corporation 18, 0.05% 0.84%
Fairway Independent Mort Corp 19, 0.05% 21.75%
Primelending 20, 0.07% 2.61%
CommunityAmerica Credit Union 21, 0.07% 1.09%
LoanDepot 22, 0.08% 1.09%
Flagstar Bank 23, 0.09% 2.21%
Azura Credit Union 24, 0.11% 2.57%
Caliber Home Loans Inc 25, 0.11% 2.41%
Quicken Loans 26, 0.19% 5.23%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.34% 16.57%
CoreFirst Bank & Trust 2, -0.14% 5.01%
Truity Credit Union 3, -0.11% 3.48%
Central National Bank 4, -0.08% 2.67%
Landmark National Bank 5, -0.02% 8.25%
Bokf 6, -0.00% 0.81%
Movement Mortgage 7, 0.00% 0.97%
Flagstar Bank 8, 0.02% 4.20%
NBH Bank 9, 0.02% 2.51%
Usaa Federal Savings Bank 10, 0.03% 1.46%
Carrington Mortgage Services 11, 0.03% 2.83%
Fairway Independent Mort Corp 12, 0.03% 4.04%
Home Point Financial Corporation 13, 0.03% 0.81%
Navy Federal Credit Union 14, 0.03% 0.16%
Caliber Home Loans Inc 15, 0.04% 1.54%
CommunityAmerica Credit Union 16, 0.04% 1.21%
Meritrust Credit Union 17, 0.04% 2.34%
Mortgage Investment Services Corporation 18, 0.05% 0.97%
Primelending 19, 0.07% 0.73%
LoanDepot 20, 0.08% 3.56%
Commerce Bank 21, 0.10% 1.05%
Azura Credit Union 22, 0.11% 7.36%
Bank of America 23, 0.12% 1.86%
Us Bank 24, 0.14% 4.37%
Wells Fargo Bank 25, 0.18% 1.29%
Quicken Loans 26, 0.21% 17.38%
Nationstar Mortgage 27, 0.23% 2.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.27% 15.42%
CoreFirst Bank & Trust 2, -0.12% 4.55%
Central National Bank 3, -0.10% 3.18%
Truity Credit Union 4, -0.03% 6.64%
Bank of America 5, -0.02% 1.84%
NBH Bank 6, -0.01% 3.83%
Fairway Independent Mort Corp 7, 0.03% 13.43%
Mortgage Investment Services Corporation 8, 0.03% 0.54%
Home Point Financial Corporation 9, 0.03% 0.04%
Meritrust Credit Union 10, 0.03% 1.59%
Landmark National Bank 11, 0.04% 13.18%
Carrington Mortgage Services 12, 0.05% 0.25%
Movement Mortgage 13, 0.05% 1.95%
Us Bank 14, 0.05% 5.74%
Bokf 15, 0.05% 1.41%
Commerce Bank 16, 0.06% 1.12%
Wells Fargo Bank 17, 0.07% 2.20%
CommunityAmerica Credit Union 18, 0.07% 1.44%
Flagstar Bank 19, 0.08% 2.78%
Primelending 20, 0.08% 1.81%
LoanDepot 21, 0.08% 1.59%
Usaa Federal Savings Bank 22, 0.10% 0.90%
Azura Credit Union 23, 0.11% 5.60%
Caliber Home Loans Inc 24, 0.13% 0.83%
Navy Federal Credit Union 25, 0.13% 0.33%
Quicken Loans 26, 0.29% 7.15%
Nationstar Mortgage 27, 0.30% 0.65%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.20% 12.72%
Bank of America 2, -0.13% 1.74%
Central National Bank 3, -0.12% 3.15%
CoreFirst Bank & Trust 4, -0.11% 3.66%
NBH Bank 5, -0.03% 4.56%
Truity Credit Union 6, -0.01% 7.93%
Us Bank 7, 0.00% 5.91%
Wells Fargo Bank 8, 0.02% 2.59%
Fairway Independent Mort Corp 9, 0.02% 18.91%
Mortgage Investment Services Corporation 10, 0.02% 0.45%
Nationstar Mortgage 11, 0.03% 0.06%
Meritrust Credit Union 12, 0.03% 0.84%
Commerce Bank 13, 0.03% 1.13%
LoanDepot 14, 0.04% 0.79%
Landmark National Bank 15, 0.05% 15.31%
Movement Mortgage 16, 0.05% 2.42%
Bokf 17, 0.06% 1.74%
Primelending 18, 0.07% 2.36%
CommunityAmerica Credit Union 19, 0.09% 1.41%
Usaa Federal Savings Bank 20, 0.10% 1.13%
Azura Credit Union 21, 0.11% 3.60%
Navy Federal Credit Union 22, 0.12% 0.51%
Flagstar Bank 23, 0.13% 2.31%
Caliber Home Loans Inc 24, 0.14% 0.96%
Quicken Loans 25, 0.29% 3.83%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.34% 20.26%
CoreFirst Bank & Trust 2, -0.13% 6.15%
Truity Credit Union 3, -0.09% 4.33%
Central National Bank 4, -0.07% 3.23%
Landmark National Bank 5, -0.01% 9.38%
Bokf 6, -0.00% 0.81%
Movement Mortgage 7, 0.01% 1.11%
Flagstar Bank 8, 0.02% 3.63%
Fairway Independent Mort Corp 9, 0.04% 3.63%
NBH Bank 10, 0.04% 2.52%
Usaa Federal Savings Bank 11, 0.05% 0.50%
CommunityAmerica Credit Union 12, 0.05% 1.51%
Meritrust Credit Union 13, 0.05% 2.92%
Home Point Financial Corporation 14, 0.06% 0.10%
Mortgage Investment Services Corporation 15, 0.06% 0.71%
Carrington Mortgage Services 16, 0.07% 0.71%
Caliber Home Loans Inc 17, 0.07% 0.60%
Primelending 18, 0.08% 0.81%
LoanDepot 19, 0.11% 3.02%
Commerce Bank 20, 0.12% 1.11%
Azura Credit Union 21, 0.13% 9.17%
Bank of America 22, 0.15% 2.02%
Us Bank 23, 0.15% 5.44%
Wells Fargo Bank 24, 0.20% 1.51%
Quicken Loans 25, 0.31% 13.10%
Nationstar Mortgage 26, 0.34% 1.71%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Landmark National Bank 1, -0.21% 13.48%
Central National Bank 2, -0.18% 2.84%
Movement Mortgage 3, -0.08% 3.01%
Home Point Financial Corporation 4, -0.07% 2.30%
Flagstar Bank 5, -0.06% 2.13%
Bank of America 6, -0.06% 0.71%
Bokf 7, -0.05% 3.19%
Carrington Mortgage Services 8, -0.04% 3.72%
CommunityAmerica Credit Union 9, -0.02% 0.35%
Commerce Bank 10, -0.01% 0.53%
Us Bank 11, 0.00% 2.13%
NBH Bank 12, 0.02% 3.01%
Mortgage Investment Services Corporation 13, 0.05% 2.66%
Quicken Loans 14, 0.05% 15.60%
Primelending 15, 0.07% 3.72%
Fairway Independent Mort Corp 16, 0.07% 27.84%
Caliber Home Loans Inc 17, 0.08% 7.98%
Nationstar Mortgage 18, 0.08% 2.13%
LoanDepot 19, 0.09% 2.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Landmark National Bank 1, -0.21% 16.44%
Central National Bank 2, -0.19% 3.38%
Movement Mortgage 3, -0.08% 3.60%
Home Point Financial Corporation 4, -0.07% 2.48%
Flagstar Bank 5, -0.07% 2.25%
Bank of America 6, -0.05% 0.90%
Bokf 7, -0.05% 4.05%
CommunityAmerica Credit Union 8, -0.02% 0.45%
Commerce Bank 9, -0.01% 0.45%
Us Bank 10, 0.00% 2.70%
Nationstar Mortgage 11, 0.02% 0.23%
NBH Bank 12, 0.03% 3.60%
Mortgage Investment Services Corporation 13, 0.06% 2.70%
Primelending 14, 0.07% 4.50%
Fairway Independent Mort Corp 15, 0.08% 33.33%
Quicken Loans 16, 0.08% 8.56%
Caliber Home Loans Inc 17, 0.10% 8.11%
LoanDepot 18, 0.14% 2.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Carrington Mortgage Services 1, -0.05% 17.50%
Landmark National Bank 2, -0.04% 2.50%
Caliber Home Loans Inc 3, -0.03% 7.50%
Flagstar Bank 4, -0.02% 1.67%
Home Point Financial Corporation 5, -0.02% 1.67%
Fairway Independent Mort Corp 6, -0.02% 7.50%
Movement Mortgage 7, -0.01% 0.83%
LoanDepot 8, -0.01% 4.17%
Commerce Bank 9, -0.01% 0.83%
Central National Bank 10, -0.01% 0.83%
Mortgage Investment Services Corporation 11, 0.01% 2.50%
Quicken Loans 12, 0.01% 41.67%
NBH Bank 13, 0.02% 0.83%
Primelending 14, 0.02% 0.83%
Nationstar Mortgage 15, 0.08% 9.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CoreFirst Bank & Trust 1, -0.01% 5.88%
Us Bank 2, -0.00% 5.88%
Bank of America 3, -0.00% 17.65%
Truity Credit Union 4, -0.00% 11.76%
Commerce Bank 5, 0.00% 11.76%
Landmark National Bank 6, 0.00% 5.88%
Capitol Federal Savings Bank 7, 0.00% 35.29%
Flagstar Bank 8, 0.02% 5.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.00% 14.29%
Truity Credit Union 2, -0.00% 28.57%
Landmark National Bank 3, 0.00% 14.29%
Capitol Federal Savings Bank 4, 0.00% 28.57%
Commerce Bank 5, 0.01% 14.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CoreFirst Bank & Trust 1, -0.01% 10.00%
Commerce Bank 2, -0.01% 10.00%
Bank of America 3, -0.00% 30.00%
Capitol Federal Savings Bank 4, 0.00% 40.00%
Flagstar Bank 5, 0.02% 10.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Landmark National Bank 1, -0.13% 14.17%
Navy Federal Credit Union 2, -0.12% 5.88%
Central National Bank 3, -0.05% 1.60%
Usaa Federal Savings Bank 4, -0.03% 15.78%
Home Point Financial Corporation 5, -0.01% 5.08%
NBH Bank 6, -0.00% 4.81%
Commerce Bank 7, -0.00% 0.53%
Bokf 8, 0.00% 1.34%
LoanDepot 9, 0.01% 3.21%
Mortgage Investment Services Corporation 10, 0.01% 0.80%
Us Bank 11, 0.01% 1.34%
Flagstar Bank 12, 0.01% 4.55%
Bank of America 13, 0.01% 0.27%
Caliber Home Loans Inc 14, 0.02% 2.94%
Movement Mortgage 15, 0.02% 0.80%
Wells Fargo Bank 16, 0.02% 0.80%
Primelending 17, 0.02% 0.80%
Carrington Mortgage Services 18, 0.03% 1.87%
Quicken Loans 19, 0.04% 15.78%
Nationstar Mortgage 20, 0.05% 1.07%
Fairway Independent Mort Corp 21, 0.14% 16.58%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Landmark National Bank 1, -0.14% 18.15%
Navy Federal Credit Union 2, -0.13% 7.72%
Central National Bank 3, -0.04% 2.32%
Usaa Federal Savings Bank 4, -0.04% 17.76%
Home Point Financial Corporation 5, -0.01% 4.63%
Commerce Bank 6, 0.00% 0.77%
Bokf 7, 0.01% 1.16%
Us Bank 8, 0.01% 1.93%
Bank of America 9, 0.02% 0.39%
Flagstar Bank 10, 0.02% 1.54%
Movement Mortgage 11, 0.02% 1.16%
NBH Bank 12, 0.02% 5.02%
Mortgage Investment Services Corporation 13, 0.02% 0.39%
Primelending 14, 0.03% 1.16%
Wells Fargo Bank 15, 0.03% 0.77%
Caliber Home Loans Inc 16, 0.04% 2.70%
Quicken Loans 17, 0.04% 9.27%
LoanDepot 18, 0.06% 1.16%
Fairway Independent Mort Corp 19, 0.16% 22.01%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
NBH Bank 1, -0.06% 4.35%
Landmark National Bank 2, -0.06% 5.22%
Caliber Home Loans Inc 3, -0.03% 3.48%
Usaa Federal Savings Bank 4, -0.03% 11.30%
LoanDepot 5, -0.02% 7.83%
Home Point Financial Corporation 6, -0.02% 6.09%
Navy Federal Credit Union 7, -0.02% 1.74%
Mortgage Investment Services Corporation 8, -0.00% 1.74%
Bokf 9, -0.00% 1.74%
Flagstar Bank 10, -0.00% 11.30%
Wells Fargo Bank 11, 0.00% 0.87%
Fairway Independent Mort Corp 12, 0.01% 4.35%
Carrington Mortgage Services 13, 0.02% 6.09%
Quicken Loans 14, 0.03% 30.43%
Nationstar Mortgage 15, 0.04% 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 for the data comes from 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 based on the MSA, 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.

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