Safe Rate Rankings

Best Conventional Mortgage Lenders in Manchester

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders73

Total Loans4,162

Median Rate Spread0.20%

Manchester Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional lender in Manchester, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Manchester, Navy Federal Credit Union and Leader Bank National Association scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Manchester, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Manchester: Rocket Mortgage (#3) and Cmg Mortgage (#4).

Explore Rankings by Type

Overall Rankings

All lenders in Manchester

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,086Fees	0.282%Above	409
2	Leader Bank, National Association BankDirect	Strong	Exceptional	Exceptional	Strong	Strong	$869Fees	0.066%Below	61
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,695Fees	0.293%Above	309
4	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,087Fees	0.346%Above	475
5	Bangor Savings Bank BankDirect	Strong	Exceptional	Exceptional	Strong	Sound	$776Fees	0.013%Below	26
6	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$324Fees	0.469%Below	34
7	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,712Fees	0.294%Above	285
8	HARBORONE MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,359Fees	0.127%Above	112
9	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$2,302Fees	0.490%Above	191
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,903Fees	0.376%Above	153
11	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,283Fees	0.380%Above	97
12	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,531Fees	0.086%Above	53
13	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$841Fees	0.135%Above	13
14	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,643Fees	0.141%Above	116
15	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,100Fees	0.283%Above	66
16	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$536Fees	0.057%Below	21
17	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,122Fees	0.474%Above	158
18	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,673Fees	0.247%Above	30
19	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	Strong	$1,499Fees	0.329%Above	62
20	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Sound	$1,189Fees	0.253%Above	15
21	NBT Bank, National Association BankDirect	Strong	Exceptional	Strong	Strong	Sound	$1,482Fees	0.334%Above	13
22	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Sound	$56Fees	0.242%Below	16
23	St. Mary's Bank Credit Union Credit UnionDirect	Strong	Sound	Sound	Sound	Exceptional	$1,266Fees	0.137%Above	105
24	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,203Fees	0.411%Above	34
25	TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,034Fees	0.494%Above	68
26	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,952Fees	0.001%Below	45
27	DIGITAL Credit UnionDirect	Strong	Exceptional	Strong	Acceptable	Strong	$1,291Fees	0.070%Below	60
28	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$1,914Fees	0.440%Above	52
29	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,535Fees	0.010%Above	21
30	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	$1,629Fees	0.129%Above	20
31	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$141Fees	0.158%Below	20
32	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,974Fees	0.378%Above	92
33	NORTHPOINT MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$2,976Fees	0.339%Above	75
34	TD Bank, National Association BankDirect	Strong	Sound	Strong	Sound	Sound	$726Fees	0.372%Above	33
35	JEANNE D'ARC Credit Union Credit UnionDirect	Strong	Strong	Sound	Sound	Strong	$924Fees	0.109%Below	32
36	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$6,042Fees	0.293%Above	24
37	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Sound	$2,813Fees	0.694%Above	26
38	Service Federal Credit Union Credit UnionDirect	Sound	Exceptional	Sound	Acceptable	Sound	$882Fees	0.597%Below	22
39	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$431Credit	0.264%Above	16
40	Northpointe Bank BankDirect	Sound	Sound	Exceptional	Strong	Sound	$2,538Fees	0.182%Above	13
41	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$4,759Fees	0.270%Above	42
42	SALEM FIVE MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	$1,157Fees	0.176%Above	23
43	Plains Commerce Bank BankWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,699Fees	0.415%Above	13
44	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,473Fees	0.348%Above	72
45	AMERANT MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Strong	$218Fees	0.598%Above	31
46	NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	Sound	$3,220Fees	0.338%Above	13
47	Colorado Federal Savings Bank BankWholesale	Sound	Strong*	Strong	Sound	Sound	$545Fees	0.162%Above	10
48	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	$3,431Fees	0.618%Above	38
49	Enterprise Bank and Trust Company BankDirect	Sound	Strong	Sound	Sound	Strong	$962Fees	0.079%Below	30
50	MSA MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	—	Sound	Sound	Sound	—	—	17

❓ Frequently Asked Questions

How are mortgage lenders ranked in Manchester?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Manchester), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Manchester?+

Based on 2024 HMDA data, 73 lenders originated a combined 4,162 loans in Manchester. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Manchester?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Manchester is 0.20%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Manchester's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.