Top Picks · Topeka
Best Mortgage Brokers in Topeka, KS
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of May 2026, RatingsNearMe ranks 11 mortgage brokers in Topeka, KS by verified customer ratings and review volume. The highest-rated is Kimberly A Penrod | Fairway Independent Mortgage Corporation Loan Officer with a 5.0-star rating from 243 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
11
Businesses listed
4.9★
Avg rating
48
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Kimberly A Penrod | Fairway Independent Mortgage Corporation Loan Officer
6831 SW 29th St #400, Topeka, KS 66614, USA
Kelly R Drummond | Fairway Independent Mortgage Corporation Loan Officer
6831 SW 29th St #400, Topeka, KS 66614, USA
Community Lending of America
2641 SW Wanamaker Rd Suite 301, Topeka, KS 66614, USA
Mortgage 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 | Federal Home Loan Bank-Topeka500 SW Wanamaker Rd, Topeka, KS 66606, USA | 5.0★ | 1 |
| #5 | Kimberly A. Penrod5640 SW 29th St, Topeka, KS 66614, USA | 5.0★ | 2 |
| #6 | KDWallStreet Mortgage, LLC6540 SW 10th Ave #102, Topeka, KS 66615, USA | — | — |
| #7 | Flat Branch Home Loans1111 SW Gage Blvd Suite 300, Topeka, KS 66604, USA | — | — |
| #8 | Katie Tolin-U.S. Bank Mortgage719 S Kansas Ave, Topeka, KS 66603, USA | 5.0★ | 2 |
| #9 | Envista Mortgage3620 SW Wanamaker Rd, Topeka, KS 66614, USA | 4.6★ | 10 |
| #10 | Heather Fox- Mortgage Loan Originator -Rocket Pro powered by Rocket Mortgage5100 SW 10th Ave Ste 208, Topeka, KS 66604, USA | 4.3★ | 8 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Topeka
Federal Home Loan Bank-Topeka
500 SW Wanamaker Rd, Topeka, KS 66606, USA
Kimberly A. Penrod
5640 SW 29th St, Topeka, KS 66614, USA
KDWallStreet Mortgage, LLC
6540 SW 10th Ave #102, Topeka, KS 66615, USA
Flat Branch Home Loans
1111 SW Gage Blvd Suite 300, Topeka, KS 66604, USA
Katie Tolin-U.S. Bank Mortgage
719 S Kansas Ave, Topeka, KS 66603, USA
Envista Mortgage
3620 SW Wanamaker Rd, Topeka, KS 66614, USA
Heather Fox- Mortgage Loan Originator -Rocket Pro powered by Rocket Mortgage
5100 SW 10th Ave Ste 208, Topeka, KS 66604, USA
UMB Mortgage Loan Services
5923 SW 29th St, Topeka, KS 66614, USA
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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: May 17, 2026.
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