☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Kansas / Topeka

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Topeka, Kansas

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Topeka, Kansas mortgage lenders include Envista Federal Credit UnionEnvista Federal Credit Union3626 SW Wanamaker Rd, Topeka, KS 66614 4528A+5.0 ★Texas Ratio: 2.13%, Community National BankCommunity National Bank3031 Sw Wanamaker Rd, Topeka, KS 66614A4.9 ★Texas Ratio: 9.62%, Capitol Federal Savings BankCapitol Federal Savings Bank3710 Sw Topeka Blvd, Topeka, KS 66609A+5.0 ★Texas Ratio: 5.21%, Heritage BankHeritage Bank600 S Kansas Ave, Topeka, KS 66603C-3.6 ★Texas Ratio: 31.27%, Community BankCommunity Bank5431 Sw 29th St, Topeka, KS 66614A+5.0 ★Texas Ratio: 1.51%, Silver Lake BankSilver Lake Bank201 Nw Us Highway 24, Topeka, KS 66608A+5.0 ★Texas Ratio: 0.02%, Kaw Valley BankKaw Valley Bank1001 Sw Wanamaker Rd Ste A, Topeka, KS 66604A+5.0 ★Texas Ratio: 0.03%, US Bank, N.A.US Bank, N.A.719 S Kansas Ave, Topeka, KS 66603A+5.0 ★Texas Ratio: 2.85%, CoreFirst Bank & TrustCoreFirst Bank & Trust4610 Nw Fielding Rd, Topeka, KS 66618B+4.1 ★Texas Ratio: 2.49%, and Landmark National BankLandmark National Bank6010 Sw 6th Ave, Topeka, KS 66615A+5.0 ★Texas Ratio: 5.97%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Topeka, Kansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Topeka are listed first, then lenders elsewhere in Kansas, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Topeka, Kansas

Market share is the lender's share of all home loans closed in Topeka, Kansas. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Envista Federal Credit Union 3626 SW Wanamaker Rd, Topeka, KS 66614 4528 A+5.0 ★Texas Ratio: 2.13%	Conventional, HELOC	265 +90 HELOCs	10.3%	79.9%	$102,433	View
Community National Bank 1 office in Topeka 3031 Sw Wanamaker Rd, Topeka, KS 66614 A4.9 ★Texas Ratio: 9.62%	Conventional	138	5.4%	98.6%	$174,492	View
Capitol Federal Savings Bank 8 offices in Topeka 3710 Sw Topeka Blvd, Topeka, KS 66609 A+5.0 ★Texas Ratio: 5.21%	Conventional, HELOC	87 +39 HELOCs	3.4%	84.1%	$173,160	View
Heritage Bank 600 S Kansas Ave, Topeka, KS 66603 C-3.6 ★Texas Ratio: 31.27%	Conventional	68	2.7%	100%	$132,352	View
Community Bank 5431 Sw 29th St, Topeka, KS 66614 A+5.0 ★Texas Ratio: 1.51%	Conventional	68	2.7%	97.3%	$195,147	View
Silver Lake Bank 201 Nw Us Highway 24, Topeka, KS 66608 A+5.0 ★Texas Ratio: 0.02%	Conventional	67	2.6%	97.2%	$113,358	View
Kaw Valley Bank 6 offices in Topeka 1001 Sw Wanamaker Rd Ste A, Topeka, KS 66604 A+5.0 ★Texas Ratio: 0.03%	Conventional	62	2.4%	92.6%	$85,483	View
US Bank, N.A. 4 offices in Topeka 719 S Kansas Ave, Topeka, KS 66603 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	52 +20 HELOCs	2%	66.2%	$173,461	View
CoreFirst Bank & Trust 9 offices in Topeka 4610 Nw Fielding Rd, Topeka, KS 66618 B+4.1 ★Texas Ratio: 2.49%	Conventional, HELOC	48 +75 HELOCs	1.9%	75%	$87,083	View
Landmark National Bank 1 office in Topeka 6010 Sw 6th Ave, Topeka, KS 66615 A+5.0 ★Texas Ratio: 5.97%	Conventional	33	1.3%	91.7%	$211,060	View
The Bennington State Bank 2 offices in Topeka 3001 Sw Wanamaker Rd, Topeka, KS 66614 A+5.0 ★Texas Ratio: 1.98%	Conventional	21	0.8%	88%	$134,523	View
Central National Bank 3 offices in Topeka 800 Se Quincy St, Topeka, KS 66612 A+5.0 ★Texas Ratio: 0.14%	Conventional, VA	19	0.7%	86.4%	$203,947	View
Denison State Bank 1 office in Topeka 3640 Sw Fairlawn Rd, Topeka, KS 66614 A+5.0 ★Texas Ratio: 4.40%	Conventional	9	0.4%	90.9%	$111,666	View
Umb Bank NA 1 office in Topeka 5923 Sw 29th St, Topeka, KS 66614 A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	3 +1 HELOCs	0.1%	100%	$305,000	View
Azura Credit Union 610 SW 10th Ave, Topeka, KS 66612 A+5.0 ★Texas Ratio: 4.29%	Conventional, HELOC	2 +52 HELOCs	0.1%	6.2%	$140,000	View
Equity Bank 2 offices in Topeka 507 Sw 8th Ave, Topeka, KS 66603 A5.0 ★Texas Ratio: 6.60%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$155,000	View
NBH Bank 110 S 4th St, Edwardsville, KS 66111 A+5.0 ★Texas Ratio: 2.90%	Conventional, FHA, VA	97	3.8%	95.1%	$194,278	View
The Farmers State Bank 209 Montana Ave, Holton, KS 66436 A+5.0 ★Texas Ratio: 2.37%	Conventional	27	1.1%	90.3%	$117,222	View
Kaw Valley State Bank & Trust 103 E Parallel St, Clifton, KS 66937 A+5.0 ★Texas Ratio: 0.48%	Conventional	12	0.5%	100%	$190,833	View
Mid America Bank ★ 2 stars, 1 review 707 High St, Baldwin City, KS 66006 A+5.0 ★Texas Ratio: 1.02%	Conventional	11	0.4%	100%	$182,272	View
Bank of America NA 329 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.98%	Conventional, FHA, HELOC	9 +8 HELOCs	0.4%	81.8%	$146,111	View
Communityamerica Federal Credit Union 7714 State Ave, Kansas City, KS 66112	Conventional, HELOC	8 +3 HELOCs	0.3%	100%	$161,250
Stockgrowers State Bank 304 Missouri Ave, Alma, KS 66401 A+5.0 ★Texas Ratio: 0.79%	Conventional	8	0.3%	100%	$257,500	View
JPMorgan Chase Bank, NA 2101 N Rock Rd, Derby, KS 67037 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA	5	0.2%	83.3%	$167,000	View
Lyndon State Bank 1535 Sw Fairlawn Rd, Topeka, KS 66604 A+5.0 ★Texas Ratio: 2.68%	Conventional	4	0.2%	100%	$235,000	View
The First Security Bank 530 Main St, Carbondale, KS 66414	Conventional	4	0.2%	80%	$65,000
Arvest Bank 306 E Main St, Gardner, KS 66030 A5.0 ★Texas Ratio: 7.48%	Conventional, VA, HELOC	3 +3 HELOCs	0.1%	75%	$285,000	View
Bokf NA 12112 Metcalf Ave, Overland Park, KS 66213 A+5.0 ★Texas Ratio: 1.05%	Conventional, HELOC	3 +2 HELOCs	0.1%	100%	$138,333	View
Fidelity Bank 2542 N Rock Rd, Derby, KS 67037 A5.0 ★Texas Ratio: 12.33%	Conventional, FHA	3	0.1%	100%	$171,666	View
Commerce Bank 137 W Maple St, Columbus, KS 66725 A+5.0 ★Texas Ratio: 0.89%	Conventional	3	0.1%	75%	$175,000	View
Community First National Bank 210 Tuttle Creek Blvd, Manhattan, KS 66502 A+5.0 ★Texas Ratio: 1.41%	Conventional, VA	3	0.1%	100%	$255,000	View
Wells Fargo Bank NA 2000 W 103rd St, Leawood, KS 66206 A+5.0 ★Texas Ratio: 5.36%	Conventional	3	0.1%	60%	$201,666	View
Flint Hills Bank 408 Missouri Ave, Alma, KS 66401 A+5.0 ★Texas Ratio: 0.96%	Conventional	3	0.1%	100%	$228,333	View
The Central Trust Bank 405 E Nelson St, Edgerton, KS 66021 A+5.0 ★Texas Ratio: 3.12%	Conventional	2	0.1%	100%	$105,000	View
Mutual Savings Association 229 Oak St, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 3.48%	Conventional	2	0.1%	100%	$335,000	View
First State Bank & Trust 15506 Pinehurst Dr, Basehor, KS 66007	Conventional	2	0.1%	66.7%	$130,000
Bank of the Flint Hills 408 Missouri Ave, Alma, KS 66401 A+5.0 ★Texas Ratio: 0.96%	Conventional	2	0.1%	100%	$140,000	View
Credit Union of America 329 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.98%	Conventional, HELOC	1 +3 HELOCs	0%	33.3%	$135,000	View
BMO Harris Bank NA 1420 Ohio St, Augusta, KS 67010 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$105,000	View
First Bank 6201 College Blvd, Overland Park, KS 66211 A+5.0 ★Texas Ratio: 2.49%	VA	1	0%	100%	$395,000	View
Farmers and Drovers Bank 619 Main St, Alta Vista, KS 66834 A+5.0 ★Texas Ratio: 0.90%	Conventional	1	0%	100%	$245,000	View
Mid American Credit Union 1610 N Summit St, Arkansas City, KS 67005 3917 A+5.0 ★Texas Ratio: 4.51%	Conventional	1	0%	100%	$45,000	View
Midwest Heritage Bank FSB 8900 W 135th St, Overland Park, KS 66221 A5.0 ★Texas Ratio: 9.76%	Conventional	1	0%	100%	$225,000	View
Kansas State University Federal Credit Union 109 E 1st St, Enterprise, KS 67441 9100 A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0%	100%	$225,000	View
The Farmers State Bank of Westmoreland 8685 E Us Highway 24, Manhattan, KS 66502 A5.0 ★Texas Ratio: 9.50%	Conventional	1	0%	100%	$75,000	View
United Bank & Trust 722 Main St, Beattie, KS 66406 A+5.0 ★Texas Ratio: 0.88%	Conventional	1	0%	100%	$255,000	View
Armed Forces Bank, N.A. 320 Kansas Ave, Fort Leavenworth, KS 66027 A+5.0 ★Texas Ratio: 4.81%	VA	1	0%	100%	$315,000	View
Meritrust Federal Credit Union 610 E Cloud Ave, Andover, KS 67002 8952 A+5.0 ★Texas Ratio: 4.29%	Conventional	1	0%	100%	$165,000	View
Sunflower Bank, N.A. 500 N Franklin Ave, Colby, KS 67701 A5.0 ★Texas Ratio: 10.77%	FHA	1	0%	100%	$175,000	View
Community National Bank & Trust 500 N Summit St, Arkansas City, KS 67005 A5.0 ★Texas Ratio: 6.38%	HELOC	0 +2 HELOCs	0%	n/a		View
Leaderone Financial Corp.	Conventional, FHA, VA	56	2.2%	88.9%	$180,178
Members Mortgage Services, LLC	FHA, VA	10	0.4%	66.7%	$189,000
Mortgage Investment Services Corporation	Conventional, FHA, VA	9	0.4%	92.9%	$176,111
TruHome Solutions, LLC	Conventional	3	0.1%	100%	$155,000
M Squared Financial LLC	Conventional, FHA	3	0.1%	100%	$241,666
Kansas State Bank of Overbrook	Conventional	2	0.1%	100%	$160,000
Frontier Community Credit Unio	Conventional	1	0%	100%	$115,000
Rocket Mortgage	Conventional, FHA, VA	200	7.8%	77.3%	$151,150
Flat Branch Mortgage, Inc.	Conventional, FHA, VA	187	7.3%	99%	$186,818
Fairway Independent Mort Corp	Conventional, FHA, VA	175	6.8%	97.8%	$206,542
United Wholesale Mortgage	Conventional, FHA, VA, USDA, HELOC	92 +2 HELOCs	3.6%	89.8%	$213,260
Pennymac Loan Services LLC	Conventional, FHA, VA	67	2.6%	87.5%	$190,373
Mortgage Research Center	Conventional, FHA, VA	58	2.3%	69.9%	$236,896
Zippy Loans, LLC	Conventional	50	2%	54.7%	$24,800
Freedom Mortgage Corporation	Conventional, FHA, VA	35	1.4%	88.6%	$209,000
loanDepot.com LLC	Conventional, FHA, VA, HELOC	28 +1 HELOCs	1.1%	76.3%	$143,214
Nationstar Mortgage	Conventional, FHA, VA	27	1.1%	71.1%	$129,444
T2 Financial LLC	Conventional, FHA, VA	22	0.9%	100%	$198,181
Newrez LLC	Conventional, FHA, VA	19	0.7%	64.5%	$137,105
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA	19	0.7%	100%	$200,263	View
Guild Mortgage Company	Conventional, FHA, VA	18	0.7%	95.2%	$169,444
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	16 +3 HELOCs	0.6%	76.2%	$185,625
Amerisave Mortgage Company	Conventional, FHA, VA	12	0.5%	32.4%	$122,500
New American Funding, LLC.	Conventional, FHA, VA	12	0.5%	63.2%	$175,000
Mortgage Solutions of Colorado	VA	11	0.4%	100%	$269,545
Triad Financial Services, Inc.	Conventional	10	0.4%	48%	$40,000
New Day Financial, LLC.	FHA, VA	10	0.4%	57.9%	$173,000
Vanderbilt Mortgage and Finance, Inc	Conventional	10	0.4%	47.6%	$36,000
Geneva Financial LLC	Conventional, FHA, VA	9	0.4%	100%	$207,222
Union Home Mortgage Corp.	Conventional, FHA, HELOC	8 +3 HELOCs	0.3%	100%	$221,250
Royal United Mortgage LLC	Conventional	8	0.3%	69.2%	$127,500
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	8	0.3%	56.2%	$197,500
Nbkc Bank A+5.0 ★Texas Ratio: 3.61%	Conventional, VA	8	0.3%	90%	$227,500	View
Truity Federal Credit Union A5.0 ★Texas Ratio: 6.19%	Conventional	8	0.3%	72.7%	$252,500	View
Carrington Mortgage Services LLC	Conventional, FHA, VA	8	0.3%	62.5%	$96,250
Equity Prime Mortgage LLC	FHA, VA	7	0.3%	87.5%	$187,857
Community Mortgage, LLC	Conventional, FHA, VA	7	0.3%	100%	$203,571
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	7	0.3%	70%	$82,142	View
Village Capital & Investment	VA	7	0.3%	78.6%	$273,571
Planet Home Lending, LLC	Conventional, FHA, VA	6	0.2%	85.7%	$185,000
CrossCountry Mortgage, LLC	Conventional, FHA, HELOC	5 +1 HELOCs	0.2%	100%	$217,000
Primelending	Conventional, FHA, VA	5	0.2%	100%	$177,000
Discover Bank	Conventional	5	0.2%	18.5%	$43,000
Endeavor Capital, LLC	Conventional, FHA	5	0.2%	100%	$177,000
Spring Eq, LLC	Conventional	5	0.2%	41.7%	$33,000
Communication Federal Credit Union A5.0 ★Texas Ratio: 6.32%	Conventional, FHA	5	0.2%	100%	$73,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, VA	4	0.2%	100%	$120,000	View
SIRVA Mortgage, Inc.	Conventional, FHA	4	0.2%	100%	$242,500
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.2%	80%	$172,500	View
Zillow Home Loans, LLC A+5.0 ★Texas Ratio: 4.46%	Conventional, FHA	4	0.2%	100%	$202,500	View
Mutual of Omaha Mortgage	Conventional, FHA	4	0.2%	100%	$245,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, VA	4	0.2%	100%	$240,000	View
Goodleap, LLC	Conventional, VA, HELOC	3 +2 HELOCs	0.1%	60%	$145,000
Cmg Mortgage Inc	Conventional, FHA, VA, HELOC	3 +1 HELOCs	0.1%	100%	$325,000
First State Bank of St Charles	Conventional, VA	3	0.1%	100%	$388,333
Churchill Mortgage Corporation	Conventional, FHA	3	0.1%	100%	$138,333
Guaranteed Rate, Inc.	VA, HELOC	2 +1 HELOCs	0.1%	100%	$335,000
Premier Mortgage Resources, LLC	Conventional	2	0.1%	100%	$145,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	2	0.1%	100%	$130,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	FHA	2	0.1%	66.7%	$350,000	View
PHH Mortgage Corporation	Conventional	2	0.1%	66.7%	$120,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA	2	0.1%	100%	$80,000	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	2	0.1%	100%	$140,000	View
Sun West Mortgage Company, Inc	FHA, VA	2	0.1%	100%	$285,000
Click n' Close, Inc.	FHA	2	0.1%	100%	$125,000
Servis One, Inc	Conventional, VA	2	0.1%	100%	$150,000
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	2	0.1%	100%	$110,000	View
Better Mortgage Corporation	Conventional	2	0.1%	66.7%	$105,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, VA	2	0.1%	100%	$165,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.1%	66.7%	$195,000	View
21St Mortgage	Conventional	2	0.1%	14.3%	$55,000
Plaza Home Mortgage, Inc	FHA	2	0.1%	100%	$190,000
Ark-La-Tex Financial Services LLC	VA	2	0.1%	100%	$310,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +1 HELOCs	0%	100%	$115,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$425,000	View
Cornerstone First Mortgage, LLC	FHA	1	0%	100%	$225,000
First Community Mortgage, Inc. B+4.8 ★Texas Ratio: 17.04%	FHA	1	0%	100%	$285,000	View
Devon Bank B+4.0 ★Texas Ratio: 2.09%	Conventional	1	0%	100%	$185,000	View
American Financial Resources LLC	FHA	1	0%	100%	$185,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	100%	$275,000	View
Sage Home Loans Corporation	Conventional	1	0%	100%	$255,000
Brighton Bank	VA	1	0%	100%	$525,000
Telcoe Federal Credit Union	Conventional	1	0%	100%	$125,000
Kind Lending, LLC	VA	1	0%	100%	$215,000
Allied Mortgage Group, Inc	VA	1	0%	100%	$305,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	FHA	1	0%	25%	$225,000	View
AmeriHome Mortgage Company, LLC	Conventional	1	0%	66.7%	$175,000
Sovereign Bank A+5.0 ★Texas Ratio: 0.44%	FHA	1	0%	100%	$115,000	View
American Financial Network, Inc.	VA	1	0%	100%	$295,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0%	100%	$85,000	View
Pivot Financial Partners, Inc	FHA	1	0%	100%	$185,000
First Colony Mortgage Corporat	FHA	1	0%	100%	$265,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$365,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	1	0%	100%	$295,000	View
Waterstone Mortgage Corporation	Conventional	1	0%	100%	$165,000
Lendsure Mortgage Corp.	Conventional	1	0%	100%	$245,000
American Pacific Mortgage Corporation	Conventional	1	0%	100%	$75,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0%	100%	$215,000	View
Empeople Credit Union	Conventional	1	0%	100%	$195,000
Premier Members Credit Union	Conventional	1	0%	100%	$125,000
Tjc Mortgage Inc	Conventional	1	0%	100%	$375,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$115,000
Summit Funding.Inc	Conventional	1	0%	100%	$155,000
Prosperity Home Mortgage, LLC	Conventional	1	0%	100%	$145,000
The Loan Store, Inc	FHA	1	0%	100%	$205,000
Ussfcu	Conventional	1	0%	100%	$65,000
Lower, LLC	FHA	1	0%	33.3%	$165,000
Right Start Mortgage, Inc	Conventional	1	0%	100%	$215,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0%	100%	$235,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0%	100%	$245,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0%	100%	$325,000	View
Tomo Mortgage LLC	Conventional	1	0%	100%	$315,000
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	HELOC	0 +3 HELOCs	0%	n/a		View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Credit Union of Colorado, A Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Topeka Mortgage Rate Trends

Daily average mortgage rates for Kansas compared with the national average, updated every evening.

30-Year Fixed KS Avg

7.490%

▲ 0.145 vs 7 days ago

15-Year Fixed KS Avg

6.961%

▲ 0.104 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Topeka, Kansas

Looking for mortgage lenders near me or mortgage brokers near me in Topeka? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Topeka in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Topeka, KS

Use these to narrow the list above. Each category shows how many Topeka, KS lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 77 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 74 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 18 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 59 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 56 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Local lenders based in KS 43 lenders headquartered in Kansas, the closest thing to a mortgage lender near you

Who Lends in Topeka, KS

Independent mortgage companies closed 49.6 percent of home loans in Topeka, Kansas in 2025, banks 38.2 percent and credit unions 12.2 percent. Leaderone Financial Corp. was the largest mortgage company, Community National Bank the largest bank and Envista Federal Credit Union the largest credit union. Among lenders headquartered in Kansas, Envista Federal Credit Union led with 265 loans.

49.6%

Mortgage companies

38.2%

Banks

12.2%

Credit unions

14%

FHA loans

12%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Kansas. None; the mortgage registration tax was fully phased out in 2019.

More Kansas Mortgage Lender Pages

All Kansas lenders 605 lenders Wichita 258 lenders Overland Park 251 lenders Olathe 225 lenders Kansas City 194 lenders Lawrence 169 lenders Shawnee 165 lenders Lenexa 171 lenders Manhattan 133 lenders Gardner 138 lenders Junction City 85 lenders Leavenworth 116 lenders Hutchinson 89 lenders

Frequently Asked Questions About Mortgage Lenders in Topeka, KS

Who is the largest mortgage lender in Topeka, KS?

By home loans closed in 2025, Envista Federal Credit Union was the largest mortgage lender in Topeka, Kansas with 265 loans, about 10.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Topeka, KS have the highest approval rates?

Among lenders with meaningful volume in Topeka, Kansas, Heritage Bank approved the highest share of completed applications in 2025 at 100 percent, against a 81.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Topeka, KS mortgage lenders offer FHA, VA and USDA loans?

59 lenders closed FHA loans in Topeka, Kansas in 2025, led by Fairway Independent Mort Corp with 49. 56 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Topeka, KS lender list?

Yes. 74 banks and 18 credit unions closed home loans in Topeka, Kansas in 2025, alongside 77 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Topeka, KS ranked on this page?

Lenders are ranked only by the number of home loans they closed in Topeka, Kansas during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Topeka, Kansas for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Topeka. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.