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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Manchester
Updated February 5, 2026
Market Overview
73
Total Lenders
4,162
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Strong | $869 | -0.066% | 61 | |
2 | Bangor Savings Bank | Exceptional | Exceptional | Strong | Sound | $776 | -0.013% | 26 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,086 | +0.282% | 409 | |
4 | DIGITAL | Strong | Exceptional | Acceptable | Strong | $1,291 | -0.070% | 60 | |
5 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,531 | +0.086% | 53 | |
6 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $324 | -0.469% | 34 | |
7 | JEANNE D'ARC Credit Union | Strong | Strong | Strong | Strong | $924 | -0.109% | 32 | |
8 | Service Federal Credit Union | Strong | Exceptional | Sound | Sound | $882 | -0.597% | 22 | |
9 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $2,359 | +0.127% | 112 | |
10 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $1,499 | +0.329% | 62 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Sound | $536 | -0.057% | 21 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,087 | +0.346% | 475 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,695 | +0.293% | 309 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,712 | +0.294% | 285 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,903 | +0.376% | 153 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,643 | +0.141% | 116 | |
17 | St. Mary's Bank Credit Union | Strong | Sound | Sound | Exceptional | $1,266 | +0.137% | 105 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,100 | +0.283% | 66 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,952 | -0.001% | 45 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $2,203 | +0.411% | 34 | |
21 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $218 | +0.598% | 31 | |
22 | Enterprise Bank and Trust Company | Strong | Strong | Acceptable | Strong | $962 | -0.079% | 30 | |
23 | EMM LOANS LLC | Strong | Acceptable | Strong | Exceptional | $2,302 | +0.490% | 191 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,122 | +0.474% | 158 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,283 | +0.380% | 97 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $3,431 | +0.618% | 38 | |
27 | Bar Harbor Bank & Trust | Strong | Sound | Sound | Strong | $1,377 | +0.510% | 35 | |
28 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,673 | +0.247% | 30 | |
29 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,629 | +0.129% | 20 | |
30 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,976 | +0.339% | 75 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,473 | +0.348% | 72 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,759 | +0.270% | 42 | |
33 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Strong | $3,352 | +0.494% | 37 | |
34 | TD Bank, National Association | Strong | Sound | Sound | Sound | $726 | +0.372% | 33 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $2,535 | +0.010% | 21 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $141 | -0.158% | 20 | |
37 | Merrimack County Savings Bank | Strong | Sound | Sound | Sound | $844 | +0.248% | 20 | |
38 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,650 | -0.325% | 20 | |
39 | TOTAL MORTGAGE SERVICES, LLC | Sound | Mediocre | Exceptional | Strong | $3,034 | +0.494% | 68 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $1,914 | +0.440% | 52 | |
41 | NEW FED MORTGAGE, CORP. | Sound | Acceptable | Strong | Sound | $2,205 | +0.320% | 26 | |
42 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $6,042 | +0.293% | 24 | |
43 | SALEM FIVE MORTGAGE COMPANY, LLC | Sound | Acceptable | Strong | Sound | $1,157 | +0.176% | 23 | |
44 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $1,838 | +0.337% | 22 | |
45 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $2,974 | +0.378% | 92 | |
46 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,813 | +0.694% | 26 | |
47 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $3,685 | +0.548% | 23 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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