Low Cost · Topeka
Cheap Mortgage Brokers in Topeka, KS — Best Prices
Compare mortgage brokers prices in Topeka to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of July 2026, RatingsNearMe ranks 11 mortgage brokers in Topeka, KS by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Kimberly A Penrod | Fairway Independent Mortgage Corporation Loan Officer with a 5.0-star rating from 243 Google reviews and an RNM Score of 88/100. Also in the top tier: Kelly R Drummond | Fairway Independent Mortgage Corporation Loan Officer and Community Lending of America. The average rating across all listed mortgage brokers in Topeka is 4.9 stars from 48 reviews per business on average.
Mortgage brokers in Topeka: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Katie Tolin-U.S. Bank Mortgage
Katie Tolin is recognized as the top-ranked mortgage broker in Topeka, indicating strong expertise and client trust.
Most Reviewed
Heather Fox- Mortgage Loan Originator -Rocket Pro powered by Rocket Mortgage
A high number of reviews often reflects a larger client base and greater public visibility, which can help consumers gauge reliability.
When choosing a mortgage broker in Topeka, consider both the broker's overall ranking and the volume of customer feedback to find a balance of quality and proven experience.
Local Market Snapshot
11
Businesses listed
4.9★
Avg rating
48
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Topeka's top-rated mortgage broker with a perfect 5.0★ score from 243 reviews.
6831 SW 29th St #400, Topeka, KS 66614, USATopeka mortgage broker with a perfect 5.0-star rating from 73 Google reviews.
6831 SW 29th St #400, Topeka, KS 66614, USATopeka mortgage broker with a perfect 5.0-star rating from 42 reviews.
2641 SW Wanamaker Rd Suite 301, Topeka, KS 66614, USAMortgage Brokers Rankings in Topeka, KS
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Kimberly A Penrod | Fairway Independent Mortgage Corporation Loan Officer6831 SW 29th St #400, Topeka, KS 66614, USA | 5.0★ | 243 |
| #2 | Kelly R Drummond | Fairway Independent Mortgage Corporation Loan Officer6831 SW 29th St #400, Topeka, KS 66614, USA | 5.0★ | 73 |
| #3 | Community Lending of America2641 SW Wanamaker Rd Suite 301, Topeka, KS 66614, USA | 5.0★ | 42 |
| #4 | Kimberly A. Penrod5640 SW 29th St, Topeka, KS 66614, USA | 5.0★ | 2 |
| #5 | Federal Home Loan Bank-Topeka500 SW Wanamaker Rd, Topeka, KS 66606, USA | 5.0★ | 1 |
| #6 | Katie Tolin-U.S. Bank Mortgage719 S Kansas Ave, Topeka, KS 66603, USA | 5.0★ | 2 |
| #7 | UMB Mortgage Loan Services5923 SW 29th St, Topeka, KS 66614, USA | — | — |
| #8 | Flat Branch Home Loans1111 SW Gage Blvd Suite 300, Topeka, KS 66604, USA | — | — |
| #9 | KDWallStreet Mortgage, LLC6540 SW 10th Ave #102, Topeka, KS 66615, USA | — | — |
| #10 | Envista Mortgage3620 SW Wanamaker Rd, Topeka, KS 66614, USA | 4.6★ | 10 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Topeka
Exceptional 5.0-star rating from a small number of Google reviews.
5640 SW 29th St, Topeka, KS 66614, USA
Topeka mortgage broker with a perfect 5.0-star rating from 1 Google review.
500 SW Wanamaker Rd, Topeka, KS 66606, USA
Topeka mortgage broker with a perfect 5.0-star rating from 2 reviews.
719 S Kansas Ave, Topeka, KS 66603, USA
A Topeka mortgage broker with no customer reviews yet for you to consider.
5923 SW 29th St, Topeka, KS 66614, USA
This local Topeka mortgage broker currently has no customer reviews available.
1111 SW Gage Blvd Suite 300, Topeka, KS 66604, USA
No reviews yet for this Topeka mortgage broker.
6540 SW 10th Ave #102, Topeka, KS 66615, USA
Topeka mortgage broker with a strong 4.6-star rating from 10 Google reviews.
3620 SW Wanamaker Rd, Topeka, KS 66614, USA
Topeka mortgage broker with a solid 4.3-star rating from 8 Google reviews.
5100 SW 10th Ave Ste 208, Topeka, KS 66604, USA
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Mortgage Brokers in Topeka, KS — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Kimberly A Penrod | Fairway Independent Mortgage Corporation Loan Officer | 88/100 | 5.0 ★ | 243 |
| 2 | Kelly R Drummond | Fairway Independent Mortgage Corporation Loan Officer | 82/100 | 5.0 ★ | 73 |
| 3 | Community Lending of America | 79/100 | 5.0 ★ | 42 |
| 4 | Kimberly A. Penrod | 64/100 | 5.0 ★ | 2 |
| 5 | Federal Home Loan Bank-Topeka | 62/100 | 5.0 ★ | 1 |
| 6 | Katie Tolin-U.S. Bank Mortgage | 64/100 | 5.0 ★ | 2 |
| 7 | UMB Mortgage Loan Services | 3/100 | — | 0 |
| 8 | Flat Branch Home Loans | 3/100 | — | 0 |
| 9 | KDWallStreet Mortgage, LLC | 3/100 | — | 0 |
| 10 | Envista Mortgage | 65/100 | 4.6 ★ | 10 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Topeka
What does a mortgage broker do differently than going directly to a bank in Topeka?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Topeka?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in KS?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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