Mortgage lending in Topeka, KS
5,363 mortgages were originated in the Topeka, KS area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,363
- Median rate
- 6.750%
- Median lender fees
- $3,356
- Median loan amount
- $155,000
- Median spread over APOR
- 0.453
- Paid discount points
- 28.6%
- Received lender credits
- 15.9%
- Purchases / refinances
- 53% / 29.4%
- Conventional / FHA / VA
- 77.9% / 11.2% / 10.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 63.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Topeka, KS area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Envista Credit Union | 607 | $972 | 6.900% |
| Rocket Mortgage, LLC | 385 | $4,889 | 6.500% |
| FLAT BRANCH MORTGAGE, INC. | 298 | $3,363 | 6.625% |
| Fairway Independent Mortgage Corporation | 278 | $3,491 | 6.625% |
| Capitol Federal Savings Bank | 210 | $2,792 | 6.750% |
| CoreFirst Bank & Trust | 202 | — | 8.000% |
| Community National Bank | 180 | — | — |
| UNITED SHORE FINANCIAL SERVICES, LLC | 159 | $5,533 | 6.250% |
| NBH Bank | 138 | $3,128 | 6.375% |
| U.S. Bank National Association | 122 | $2,638 | 6.875% |