# Best Mortgage Lenders in Manchester

**As of:** 2026-05-22

Compare the top mortgage lenders in Manchester. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/manchester/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 73
- **Total Loans:** 4,162
- **Median Rate Spread:** 0.20493055555555556%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Leader Bank, National Association | 86 | 82 | 79 | 61 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 409 | Independent Mortgage Company |
| 3 | Citizens Bank, National Association | 80 | 69 | 62 | 53 | Bank |
| 4 | JEANNE D'ARC Credit Union | 80 | 69 | 66 | 32 | Credit Union |
| 5 | HARBORONE MORTGAGE, LLC | 78 | 52 | 72 | 112 | Independent Mortgage Company |
| 6 | KEYSTONE FUNDING, INC. | 78 | 42 | 88 | 62 | Independent Mortgage Company |
| 7 | Bangor Savings Bank | 78 | 85 | 77 | 26 | Bank |
| 8 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 475 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 309 | Independent Mortgage Company |
| 10 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 285 | Independent Mortgage Company |
| 11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 153 | Independent Mortgage Company |
| 12 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 116 | Independent Mortgage Company |
| 13 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 66 | Independent Mortgage Company |
| 14 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 45 | Independent Mortgage Company |
| 15 | AMERANT MORTGAGE, LLC | 73 | 52 | 64 | 31 | Independent Mortgage Company |
| 16 | Bank of America, National Association | 73 | 73 | 75 | 21 | Bank |
| 17 | St. Mary's Bank Credit Union | 71 | 59 | 58 | 105 | Credit Union |
| 18 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 34 | Credit Union |
| 19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 71 | 46 | 83 | 34 | Independent Mortgage Company |
| 20 | Service Federal Credit Union | 71 | 84 | 45 | 22 | Credit Union |
| 21 | EMM LOANS LLC | 68 | 31 | 77 | 191 | Independent Mortgage Company |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 158 | Independent Mortgage Company |
| 23 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 97 | Independent Mortgage Company |
| 24 | DIGITAL | 68 | 85 | 24 | 60 | Credit Union |
| 25 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 38 | Independent Mortgage Company |
| 26 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 30 | Bank |
| 27 | BAY EQUITY LLC | 66 | 43 | 65 | 20 | Independent Mortgage Company |
| 28 | Bar Harbor Bank & Trust | 66 | 50 | 50 | 35 | Bank |
| 29 | NORTHPOINT MORTGAGE, INC. | 63 | 36 | 73 | 75 | Independent Mortgage Company |
| 30 | Mortgage Research Center, LLC | 63 | 34 | 70 | 72 | Independent Mortgage Company |
| 31 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 42 | Independent Mortgage Company |
| 32 | MORTGAGE EQUITY PARTNERS LLC | 63 | 26 | 70 | 37 | Independent Mortgage Company |
| 33 | Enterprise Bank and Trust Company | 63 | 70 | 36 | 30 | Bank |
| 34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 26 | 83 | 21 | Independent Mortgage Company |
| 35 | TD Bank, National Association | 60 | 47 | 57 | 33 | Bank |
| 36 | Merrimack County Savings Bank | 60 | 53 | 49 | 20 | Bank |
| 37 | USAA Federal Savings Bank | 60 | 54 | 45 | 20 | Bank |
| 38 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 20 | Independent Mortgage Company |
| 39 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 52 | Independent Mortgage Company |
| 40 | NEW FED MORTGAGE, CORP. | 58 | 30 | 74 | 26 | Independent Mortgage Company |
| 41 | Sierra Pacific Mortgage Company, Inc. | 58 | 32 | 80 | 24 | Independent Mortgage Company |
| 42 | SALEM FIVE MORTGAGE COMPANY, LLC | 58 | 39 | 76 | 23 | Independent Mortgage Company |
| 43 | GUARANTEED RATE AFFINITY, LLC | 58 | 33 | 60 | 22 | Independent Mortgage Company |
| 44 | TOTAL MORTGAGE SERVICES, LLC | 54 | 19 | 80 | 68 | Independent Mortgage Company |
| 45 | NEWREZ LLC | 52 | 35 | 59 | 26 | Independent Mortgage Company |
| 46 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 50 | 17 | 79 | 92 | Independent Mortgage Company |
| 47 | Luminate Home Loans, Inc. | 46 | 13 | 66 | 23 | Independent Mortgage Company |
| 48 | TRIANGLE CREDIT UNION | 32 | N/A | 17 | 27 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Manchester.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.