Safe Rate Rankings

Best All Lender Mortgage Lenders in Manchester

Updated May 22, 2026

⚖️ 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%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Leader Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$869Fees	0.066%Below	61
2	Bangor Savings BankBank	Exceptional	Exceptional	Strong	Sound	$776Fees	0.013%Below	26
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,086Fees	0.282%Above	409
4	DIGITALCredit Union	Strong	Exceptional	Acceptable	Strong	$1,291Fees	0.070%Below	60
5	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,531Fees	0.086%Above	53
6	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$324Fees	0.469%Below	34
7	JEANNE D'ARC Credit UnionCredit Union	Strong	Strong	Strong	Strong	$924Fees	0.109%Below	32
8	Service Federal Credit UnionCredit Union	Strong	Exceptional	Sound	Sound	$882Fees	0.597%Below	22
9	HARBORONE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,359Fees	0.127%Above	112
10	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,499Fees	0.329%Above	62
11	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$536Fees	0.057%Below	21
12	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,087Fees	0.346%Above	475
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,695Fees	0.293%Above	309
14	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,712Fees	0.294%Above	285
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,903Fees	0.376%Above	153
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,643Fees	0.141%Above	116
17	St. Mary's Bank Credit UnionCredit Union	Strong	Sound	Sound	Exceptional	$1,266Fees	0.137%Above	105
18	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,100Fees	0.283%Above	66
19	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,952Fees	0.001%Below	45
20	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,203Fees	0.411%Above	34
21	AMERANT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$218Fees	0.598%Above	31
22	Enterprise Bank and Trust CompanyBank	Strong	Strong	Acceptable	Strong	$962Fees	0.079%Below	30
23	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,302Fees	0.490%Above	191
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,122Fees	0.474%Above	158
25	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,283Fees	0.380%Above	97
26	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,431Fees	0.618%Above	38
27	Bar Harbor Bank & TrustBank	Strong	Sound	Sound	Strong	$1,377Fees	0.510%Above	35
28	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,673Fees	0.247%Above	30
29	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,629Fees	0.129%Above	20
30	NORTHPOINT MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,976Fees	0.339%Above	75
31	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,473Fees	0.348%Above	72
32	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,759Fees	0.270%Above	42
33	MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,352Fees	0.494%Above	37
34	TD Bank, National AssociationBank	Strong	Sound	Sound	Sound	$726Fees	0.372%Above	33
35	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,535Fees	0.010%Above	21
36	Merrimack County Savings BankBank	Strong	Sound	Sound	Sound	$844Fees	0.248%Above	20
37	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$2,650Fees	0.325%Below	20
38	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$141Fees	0.158%Below	20
39	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,034Fees	0.494%Above	68
40	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$1,914Fees	0.440%Above	52
41	NEW FED MORTGAGE, CORP.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,205Fees	0.320%Above	26
42	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$6,042Fees	0.293%Above	24
43	SALEM FIVE MORTGAGE COMPANY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,157Fees	0.176%Above	23
44	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,838Fees	0.337%Above	22
45	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,974Fees	0.378%Above	92
46	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,813Fees	0.694%Above	26
47	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$3,685Fees	0.548%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.